This guide provides all the essential information to help you understand our Accident Insurance plans and secure the coverage that best suits your needs. It also outlines clear steps to guide you through the process of getting started, including the claims process and other important reminders.
Here are quick links to the sections in this guide:
Choosing Our Accident Insurance Plans
Obtaining your Accident Insurance Policy through Reliable Insurance Brokers comes with significant advantages. Our expertise ensures that you get the best possible coverage, backed by our commitment to exceptional service.
- Comprehensive Coverage: Enjoy extensive coverage, including accidental death, disablement, and permanent partial disablement. We ensure you and your loved ones are protected against unforeseen incidents.
- Access to Multiple Insurance Providers: As a trusted broker, we partner with a network of accredited insurance providers to give you the best options available. This allows us to offer you competitive rates and a range of coverage choices suited to your business.
- Tailored Solutions: Policies are customized to meet your unique needs, whether for personal protection or business coverage, ensuring you have the right level of protection in place.
- Ease of Process: We simplify the insurance process, making it easy for you to understand your options and select the best plan. Our experts handle all the paperwork, ensuring a smooth and hassle-free experience.
- Representation and Support: We represent you to the insurers, advocating for your best interests. Our role extends beyond choosing the right coverage; we also manage your policy and provide ongoing support.
- Emergency and Claims Assistance: As our valued client, you receive dedicated assistance during emergencies and claims. Our team is available to help you navigate the claims process and ensure you get the support you need when it matters most.
Our Role as Your Trusted Partner
At Reliable Insurance Brokers, our goal is to make navigating the complexities of Accident Insurance straightforward and stress-free, ensuring you and your loved ones are protected from unexpected events. Whether it's personal accidents, injury, or disability, we help safeguard your well-being, providing financial support when you need it most.
From the moment you contact us, our team of experts is by your side. We start by understanding your individual needs and any specific risks you face. Based on that, we recommend personalized Accident Insurance options from our network of trusted providers.
Once you choose the coverage that suits you best, we handle all the paperwork and ensure everything is processed smoothly. But our service doesn’t stop there—we’ll also make sure you fully understand your policy and feel confident in your coverage. Our process is designed to be seamless, so you can focus on recovery and well-being, not dealing with insurance complexities.
As your trusted Accident Insurance partner, we provide expert guidance, secure the most suitable coverage options, and offer ongoing support throughout your coverage. With Reliable Insurance Brokers, you can live confidently, knowing that you’re covered by a team dedicated to protecting what matters most.
Accident Insurance Options
Choosing the right accident insurance plan is crucial for ensuring your protection and financial well-being. We offer accident insurance options sourced from our network of accredited providers. Our role is to assist you in navigating these options and customizing a plan that fits your specific needs. We guide both individuals seeking personal accident coverage and businesses looking to protect their employees, ensuring you receive the best possible coverage.
Inclusions and Exclusions
When considering an accident insurance plan, it's essential to understand what is included in your coverage and what is not. We offer accident insurance plans that provide extensive coverage to meet a variety of needs. However, there are also certain exclusions to be aware of. Below we detail the typical inclusions and exclusions in our accident insurance plans to help you make an informed decision.
Inclusions
- Accidental Death and Disablement: Coverage for death or disablement within 180 days of the accident.
- Permanent Total Disablement: Coverage for total and permanent disablement preventing any gainful employment.
- Permanent Partial Disablement: Coverage for partial disablement, with a percentage of the principal amount for loss of body parts:
- Loss of one limb or one eye: 70%
- Loss of hearing in both ears: 75%
- Loss of hearing in one ear: 35%
- Loss of speech: 50%
- Loss of thumb: 30%
- Loss of index finger: 15%
- Loss of middle finger: 10%
- Loss of ring or little finger: 5%
- Loss of big toe: 10%
- Loss of each other toe: 2%
- Unprovoked Murder and Assault Benefit: Coverage for risks of murder and assault under specified conditions.
- Accidental Burial Benefit: Additional benefit to cover funeral and burial expenses.
Definitions:
- Loss of Hand or Foot: Defined as complete severance or loss of use through or above the wrist or ankle joint.
- Loss of Sight: Defined as the entire and irrecoverable loss of sight.
- Permanent Total Disablement: Defined as the complete inability to engage in or attend to employment or occupation of each and every kind for the remainder of the covered person's natural life.
Exclusions
- War and related operations.
- Provoked murder or assault.
- Suicide or self-inflicted injuries.
- Congenital anomalies.
- Travel in non-licensed aircraft.
- Participation in hazardous activities.
- Pregnancy and related conditions.
- Bacterial infections not caused by accidental injuries.
- Pre-existing conditions.
- Intoxication or drug influence.
- Criminal activities.
- Poisoning.
- Routine tests or non-accidental treatments.
- Underwater or underground activities involving compressed air or gas.
- AIDS or sex-related diseases.
Applying for Accident Insurance
Our simple application process makes it easy to request information and quotations for the coverage you need. Simply follow these steps:
- Request a Quote or Consultation: Learn more about the coverage options with the help of our brokers. We will provide you with personalized recommendations and detailed insurance quotations, including coverage, premiums, deductibles, and other relevant details. Below are the ways you can get started:
- Call or message us: Talk to us directly to learn more or ask any questions. Call or message us at (Landline) +63 2 8631 9285-86; (Mobile) +63 917 138 5120; FB Messenger.
- Online Form: Request a quote using our online form for a quick and convenient way to get the information you need: Personal Insurance Quote Form or Business Insurance Quote Form
- Book an Appointment: Schedule a consultation or visit with one of our brokers for personalized assistance: Appointment Form
- Complete Your Application: Once you agree with the quotation, complete the provided application form and submit it along with any required documents. Our team will assist you in ensuring all paperwork is correctly filled out and submitted. Then, you will await the approval of your application and the issuance of your insurance policy.
- Receive Your Policy and Ongoing Support: Upon approval, you will receive your insurance policy along with a schedule of premium payments. Our team will guide you in making your payments through various options, such as post-dated checks (PDCs), bank deposits, or G-Cash. Once your policy is active, you can rely on us for ongoing support and assistance with any claims or emergencies.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Application Process.
Making a Claim
Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:
Required Documents:
For Death Claims
- Claim Form
- Police report
- NSO death certificate
- Funeral receipt/contract
- Proof of beneficiaries
- NSO marriage contract
- NSO birth certificate
For Disability Claims
- Claim Form
- Police report
- Medical certificate
For Medical Reimbursement
- Claim Form
- Police report or accident report
- Medical certificate
- Original medical receipts
- Original official receipts for medicine purchased with prescription slips
Claims Process:
- Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
- Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
- Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.
Additional Provisions for Claims Settlement:
To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:
- Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
- Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
- Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
- Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
- Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
- Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
- Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
- Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.
By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.
Key Reminders for Policyholders
To make the most of your Accident Insurance policy and ensure continuous coverage, it's important to keep the following reminders in mind. These tips will help you manage your policy effectively and avoid any unexpected issues:
- Read Your Policy: Make sure to thoroughly read your policy documents to understand the specific claims procedures of your insurance provider and know what's covered.
- Understand Coverage: Coverage is subject to policy terms and conditions, so be familiar with these to avoid surprises.
- Timely Premium Payments: Ensure your premiums are paid on time to avoid lapses in coverage.
- Emergency Contacts: Keep emergency contact numbers and policy details handy for quick access during emergencies.
- Keep Records: Maintain copies of all relevant documents and correspondence related to your policy and trips.
- Stay Updated on Policy Changes: Be aware of any updates or modifications to your policy, as terms and coverage may change over time.
- Claims Deadlines: Always submit claims and required documents within the deadline specified in your policy to avoid delays or denial of coverage.
Accident Insurance Providers
Contact Information for Inquiries and Support
Should you have any questions or require further assistance in applying for accident insurance:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph and support@reliable-insurance.ph
- Messenger: m.me/reliable.insurancebrokersph
Selecting the right accident insurance plan is essential for your peace of mind and financial security. Reliable Insurance Brokers offers a variety of plans designed to meet diverse needs, ensuring comprehensive coverage and quality support. For more information or to get started, contact Reliable Insurance Brokers today.
Note
The coverage details provided in this guide are for informational purposes only and are subject to change. Reliable Insurance Brokers advises all clients to request a detailed proposal and thoroughly read and understand their insurance policy. Coverage terms and conditions may be updated or modified by our partner insurance companies, which may supersede the information contained in this guide. Additionally, because our offerings can be custom-fit to your specific needs, the details may vary from what is stated in this article. For the most accurate and up-to-date coverage details, and to understand how different providers might affect your policy, please contact us directly or refer to your policy documentation.