• BPI Travel Care Insurance Philippines

    BPI Travel Insurance

    Insurance is necessary as it protects against the unknown and unexpected. As the old adage goes, it is better to be safe than sorry. Travel Insurance is not meant to throw people off from exploring new places due to the risks involved but is only meant to act like a safety blanket in the event of something untoward occurring.

    The art of travelling has been steadily gaining new heights every day and from every corner of the world. This is due to technological advances that is bringing the world closer and currently connectivity is stronger than ever. Travelling has also become a lot easier these days with more means of doing so. The time taken has also reduced. Regardless of whether it is for business or pleasure, travelling is an activity that more and more people are indulging in.

    Having a safety net such as a travel insurance provides a much needed relief and also ensures that the travel itself is more enjoyable.

    Overview of the Travel Care Insurance by BPI/MS

    One of the largest and oldest banks in the Philippines, the Bank of the Philippines Islands is currently one of the most profitable as well. It is owned by one of the largest conglomerates in the country, Ayala Corporation and was founded in 1851. It is currently headquartered in Makati and offers numerous services and products such as loans, insurances, credit cards and debit cards. One of their premier products is the Travel Care Insurance.

    Although travelling is a wonderful experience, certain aspects of it may not be so much. This is especially the case if luggage is lost, or if flight is delayed or other grievances occur.

    Avoiding hassles is not very difficult but some of them are beyond every traveler’s control such as lost luggage, accidents and medical emergencies. In such cases, the Travel Care Insurance by Bank of the Philippine Islands assures protection and coverage. Thanks to the comprehensive insurance coverage, customers can enjoy their travelling experience to the fullest. In addition to this, the low rates are another advantage.

    The Travel Care Insurance by BPI/MS is an inclusive personal accident insurance that covers everything from medical expenses to those that occur due to accidents. Some of the benefits are -

    • Disablement or death is one of aspects covered. Based on the schedule mentioned in the policy, customers are covered for accidental disablement and death within a month and a half or 90 days from the date of the occurrence of accident.
    • This insurance provides coverage for surgical, medical,dental or any hospital treatment charges due to accidental illness, death or injury during the journey as mentioned in the schedule.
    • Delays or loss of baggage is another aspect covered by this insurance. Replacement amount or actual amount of the baggage in case of loss, theft or damage during the trip is paid for. Customers need not have to worry about delay, misplacement or misdirection of check in luggage for over eight hours from the time they arrive at their destination.
    • The Travel care Insurance by BPI/MS provides reimbursement for expenses that are generally not refundable such as deposits, advance payment for accommodation, flight tickets in case the trip is cancelled due to circumstances.
    • In case customers miss their travel schedule then they can avail a maximum of P10,000 for reasonable accommodation and travel costs that have been incurred while arranging for alternative travel.
    • BPI/MS Travel Care Insurance also pays an amount of P1000 for every day that the customer is hospitalized due to an illness or accident for up to a maximum amount of P10,000.
    • In case customers have been the cause of another person’s injury or accidental death, they need not worry about expenses as this is also covered by Travel Care.
    • An additional feature is delay in departure for which customers can avail a maximum of P10,000 if their flight has been delayed beyond eight hours.
    • Travel Care insurance also covers additional accommodation and travel costs for a maximum of P10,000 in case there is a failure of transport services (public) to departure train station, airport or port.
    • In case of additional travel, hotel and other expenses that are needed to obtain a lost visa or passport, Travel Care Insurance pays for the same for a up to a maximum of P10,000.
    • Another additional benefit is an amount of P5000 for every day that the customer’s travel is delayed due to hijack.
    • Travel Care provides liability for a maximum amount of P10,000 in case customers are legally required to provide for damage to the vehicle occurred while it was in their custody.
    • In case customers are unable to return their rental vehicle within the specified period of time then Travel Care provides coverage for a maximum amount of P5000.
    • A feature that is provided without any additional cost is the extension of of journey period in case there is a delay in public transport or sickness for a maximum of 7 days for the transport and a delay of 30 days in case of an injury.
    • In case customers need immediate transportation to the closest hospital due to medical reasons then the expenses are covered and transportation is also arranged for.
    • In case customers need to travel back to their country for medical reasons then the expenses incurred are covered and transportation is also arranged for.
    • Travel Care Insurance pays for the arrangement and transportation of mortal remains of the customer to their native country and also covers expenses.
    • During accidents and illnesses, customers can call the Emergency Hotline and these expenses will be covered by Travel Care.
    • Through the International ISOS, the following benefits will be provided for customers when they call the Travel Care Hotline.
    • Travel Assistance
    • Pre-Trip Information Services
    • Referral of Embassy
    • Assistance for lost luggage
    • Assistance for lost passport
    • Assistance regarding information on exchange rate and weather
    • Assistance to transmit emergency message.
    • Referral for interpreter.
    • Medical Assistance
    • Medical advice through the telephone
    • Referral for medical service provider
    • Arranging appointments with doctors for treatments
    • Arranging and monitoring medical condition of the customer during hospitalization.
    • Dispatching essential medicines
    • Arranging compassionate visits
    • Arranging returns of minors
    • Arranging accommodations in hotels
    • Commencement and expiry
    • The term begins two hours prior to the departure time and ends on -
    • The expiration of the policy period
    • On return to employment or residence
    • Within two hours after the scheduled revival time.

    Fees and Charges

    Non Schengen Package’

    This package is for customers who wish to travel to other Asian countries such as China, Hongkong, Taiwan, Korea, Japan, Pakistan, Australia, Nepal, Sri Lanka and New Zealand.

    European states are not a part of this package.

    Advantages Gold Diamond Platinum
    Accidental disablement and death 1000000 2000000 3000000
    Expenses related to medicines/health concerns 1000000 1500000 2000000
    Baggage      

      • Baggage loss

    25000 25000 25000

      • Baggage delay

    10000 10000 10000

      • Loss of samples or documents

    20000 20000 20000
    Curtailment and cancellation 50000 50000 50000
    Missing of travel connection 10000 10000 10000
    Benefits related to hospitals 10000 10000 10000
    Liability (personal) 1000000 1000000 1000000
    Delay in departure 10000 10000 10000
    Missed departure 10000 10000 10000
    Passport loss 10000 10000 10000
    Hijack of aircraft 20000 20000 20000
    Expense of rental vehicle 10000 10000 10000
    Costs related to return of rental car (additional) 5000 5000 5000
    Evacuation in emergencies 500000 500000 500000
    Repatriation in emergencies 250000 250000 250000
    Repatriation of remains 100000 100000 100000
    Services regarding travel assistance worldwide Services are covered Services are covered Services are covered

     

    Time Gold Diamond Platinum
    1 to 4 days P478 P725 P1002
    5 to 7 days P843 P1104 P1500
    8 to 14 days P1341 P2432 P3143
    15 to 21 days P2052 P3190 P4138
    30 days P2432 P3569 P4636
    Every additional week P606 P892 P1158

    Schengen Package’

    This package offers coverage all over the world including the countries mentioned above.

    Advantages Gold Diamond Platinum
    Accidental disablement and death 1000000 2000000 3000000
    Expenses related to medicines/health concerns 2500000 2500000 2500000
    Baggage      

      • Baggage loss

    25000 25000 25000

      • Baggage delay

    10000 10000 10000

      • Loss of samples or documents

    20000 20000 20000
    Curtailment and cancellation 50000 50000 50000
    Missing of travel connection 10000 10000 10000
    Benefits related to hospitals 10000 10000 10000
    Liability (personal) 1000000 1000000 1000000
    Delay in departure 10000 10000 10000
    Missed departure 10000 10000 10000
    Passport loss 10000 10000 10000
    Hijack of aircraft 20000 20000 20000
    Expense of rental vehicle 10000 10000 10000
    Costs related to return of rental car (additional) 5000 5000 5000
    Evacuation in emergencies 100000 100000 1000000
    Repatriation in emergencies 500000 500000 500000
    Repatriation of remains 250000 250000 250000
    Services regarding travel assistance worldwide Services are covered Services are covered Services are covered

     

    Time Gold Diamond Platinum
    1 to 4 days P521 P796 P1066
    5 to 7 days P928 P1222 P1692
    8 to 14 days P1460 P2545 P3342
    15 to 21 days P2242 P3569 P4707
    30 days P2763 P4423 P5845
    Every additional week P690 P1105 P1461
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