When it comes to accident insurance, making an informed decision can be daunting. We are here to simplify the process, offering expert guidance to help you choose the best accident insurance plans tailored to your needs. Our mission is to safeguard what matters most to you by providing trustworthy insurance solutions. This comprehensive guide will walk you through our accident insurance options, the benefits, inclusions, exclusions, procedures, and essential reminders to ensure you select the right coverage.
Here are quick links to the sections in this guide:
- Benefits of Our Health Insurance Plans
- Our Role as Your Trusted Partner
- Accident Insurance Options
- Inclusions and Exclusions
- Procedures for Application
- Procedures for Claims with Partner Providers
- Key Reminders for Policyholders
- Accredited Accident Insurance Providers
- Contact Information for Inquiries and Support
Benefits of Our Accident Insurance Plans
Choosing Reliable Insurance Brokers for your accident insurance needs comes with numerous advantages that provide comprehensive protection and peace of mind. By working with us, you benefit from our expertise and personalized service, ensuring you get the most out of your insurance plan:
Comprehensive Coverage: Our accident insurance plans offer extensive coverage including accidental death, disablement, and permanent partial disablement. We ensure you and your loved ones are protected against unforeseen incidents.
Extended Benefits: Our coverage extends to include:
- Animal bites (limited to cat, dog, and snake only)
- Acts of nature
- Accidental drowning
- Accidental food poisoning
- Motorcycling risks
Unprovoked Murder and Assault Benefit: We provide coverage for loss of life caused by unprovoked murder and assault, ensuring your family is protected in unexpected and unfortunate circumstances.
Accidental Burial Benefit: In the event of an accidental death, our plans include a burial benefit to help defray the costs of casket, funeral service, and burial expenses, offering financial support during difficult times.
Group Plans for Businesses: Our group accident insurance plans are designed to protect your employees, offering them peace of mind and enhancing their benefits package. This also reduces financial strain on your business in case of employee accidents.
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 Advocacy: 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, we understand that navigating the world of accident insurance can be overwhelming. We aim to simplify the process for you, ensuring you receive the best coverage tailored to your unique needs.
From the moment you reach out to us, our team of experts is dedicated to guiding you through every step. We start by understanding your requirements and providing personalized recommendations from our extensive range of insurance products offered by accredited providers.
Once you have selected a plan, we handle all the necessary paperwork and ensure that your application is processed smoothly. Our commitment doesn't end there; we continue to support you by clarifying any doubts and making sure you understand your policy details thoroughly. Our seamless process ensures that you receive your insurance policy without hassle, allowing you to focus on what matters most – your peace of mind.
As your trusted partner, we are here to provide expert advice, negotiate the best deals, and offer ongoing support to help you make informed decisions about your accident insurance. With Reliable Insurance Brokers, you can rest assured that your coverage is in capable hands.
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.
Procedures for Application
Applying for accident insurance through Reliable Insurance Brokers is straightforward, with different methods to suit your preferences. Whether you're an individual or a business, we provide convenient options to get you started on securing your accident coverage.
- For Individuals: You can easily request a quote via our online request form: Request a Quote for Individuals.
- For Businesses: Businesses can request to meet with a specialist to discuss their specific needs: Request a Quote for Businesses.
- Set a Consultation with a Broker: Additionally, you can set an appointment with one of our brokers for personalized assistance: Book an Appointment.
Application Process
By following these steps, you can secure the accident insurance coverage that best fits your needs with ease and confidence.
- Request a Quote or Consultation: Begin by selecting your desired insurance and requesting a quote or a specialist consultation. You can reach out to us online or book an appointment with one of our brokers. We will provide you with personalized recommendations and detailed insurance quotations, including coverage, premiums, deductibles, and other relevant details.
- Complete Your Application: Once you agree with the quotation, complete the 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.
For more detailed information, refer to the complete guide to our application process: The Complete Guide to the Reliable Application Process.
Procedures for Claims with Partner Providers
Understanding the claims process is crucial to ensure you receive the benefits you are entitled to under your accident insurance plan. We are committed to providing you with the support and guidance needed to navigate the claims process smoothly and efficiently.
Making a Claim
- Report & Submit Online: Initiate your claim by accessing our Online Claim Form. Complete the form by providing all necessary details about the incident and your policy information.
- Documentation Support: A Policy and Account Manager (PAM) will be assigned to your case to help you gather and organize the required documentation.
- Complete Guide: Refer to the complete guide to our claims process for detailed steps and additional information: The Complete Guide to the Reliable Claims Process.
Required Documents
- For Death Claims:
- Police report
- NSO death certificate
- Funeral receipt/contract
- Proof of beneficiaries
- NSO marriage contract
- NSO birth certificate
- For Disability Claims:
- Police report
- Medical certificate
- For Medical Reimbursement:
- Police report or accident report
- Medical certificate
- Original medical receipts
- Original official receipts for medicine purchased with prescription slips
Process
Submit all required documents to us for submission to the insurer for review and approval. Payment or reimbursement will be made according to policy terms.
Additional Provisions for Claims Settlement
- Timely Reporting: Report any accident within three days that would require the assistance of the insurer to facilitate immediate claims service.
- Philhealth: Computations of loss payable should be inclusive of Philhealth.
- Original Receipts: Submit original hospital official receipts to support reimbursement claims.
- X-ray Results: Submit x-ray results for fracture injury claims.
- Prescription Slips: Submit original prescription slips and official receipts for medicines purchased outside the hospital.
Key Reminders for Policyholders
To make the most of your accident insurance plan 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. Procedures can vary significantly between different providers.
- Understand Coverage: Coverage is subject to policy terms and conditions, so be familiar with these to avoid surprises. Benefits and exclusions may vary based on the chosen plan, so choose the one that best fits your needs.
- Timely Premium Payments: Ensure your premiums are paid on time to avoid lapses in coverage and maintain your benefits.
- 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.
Accredited 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.
