NON-LIFE PLAN

STANDARD FIRE AND ALLIED PERRILS

 

To provide financial protection in case of physical damages / lossess on properties owned by a member of the cooperative caused by FIRE.

STANDARD FIRE INSURANCE POLICY

To provide financial protection in case of physical damages / losses on properties owed by a member of the cooperative caused by FIRE and/or LIGHTNING,

BUILDING built in concrete or semi-concrete structure or its CONTENTS only, with the following types of occupancy:

  • RESIDENTIAL

      Building solely occupied for family dwelling units 

  • BUSINESS

     Extended to the following occupancies:

  Schools, Hospitals, Churches, Hotels, Laboratories,   Funeral Parlors, Dormitories and Private Membership   Clubs, Dental Clinics, Optical Clinics, Carwash Stations,   Water Refilling Stations, Private Practices :

  Architectural/Construction Services, Medical

  Dental and Dermatological Services.

HEALTH CARE ASSISTANCE PROGRAM(HCAP)

 

FEATURES

  • ANNUAL PREMIUM-P225.00
  • HOSPITALIZATION REIMBURSEMENT- P2,500.00
  • P500.00/DAY FOR FIVE DAYS

Fifteen(15) days contestability period

BENEFICIARY

ANNUAL PREMIUM

ACCIDENTAL DEATH INSURANCE

HOSPITALIZATION BENEFITS

MEMBER

P 225.00

P 25, 000.00

P 500.00 per day*

SPOUSE

P 225.00

P 10, 000.00

P 500.00 per day*

CHILD

P 300.00

P   5, 000.00

P 500.00 per day*

 

HEALTH AND WELLNESS

 

  • Yearly renewable term insurance
  • It assured of financial benefit in case of Hospitalization
  • The benefit covers the expenses for room & board, surgical, physician, laboratory and other expenses provided by and bought within the hospital and necessary for the treatment of the patient.
  • Annual premium-P2,500.00
  • Three(3) months contestability period
  • On top with PHILHEALTH member.

COVERAGE

  • Hospitalization in-patient benefits shall cover only the following actual out of pocket expenses for:
  • Room & Board
  • Surgical
  • Physician
  • Laboratory
  • Medicines
  • other expenses that are necessary for the treatment of the patient;

Insurance

Coverage

 Medical Consultation In-patient hospitalization
Member Unlimited

₱ 20,000.00*

(Aggregate limit per year per insured family)
Spouse One
Children One

Value Added benefits

  • Unlimited consultations for principal members (for CDO members only)
  • Free Health education and consciousness
  • Provide Doctors when OIC conducts medical mission
  • Discount on professional fees and laboratory services for the accredited professional doctors and laboratory centers of Doctors Care Inc.
  • Issuance of OIC’s health and wellness membership card assures the member and their family not to be required with down payment when confine in the accredited hospital.

 

MOTOR CAR INSURANCE

 

To provide financial in case of loss or damage’s on motor vehicle owned by Cooperative member.

 

FIRE AND ALLIED PERIL INSURANCE

 

    To provide financial protection in case of physical damages / losses on properties owed by a member of the cooperative caused by FIRE and/or LIGHTNING, BUILDING built in concrete or semi-concrete structure or its CONTENTS only, with the following types of occupancy:

    • RESIDENTIAL

          Building solely occupied for family dwelling units 

    • BUSINESS

         Extended to the following occupancies:

    Schools, Hospitals, Churches, Hotels, Laboratories,   Funeral Parlors, Dormitories and Private Membership   Clubs, Dental Clinics, Optical Clinics, Carwash Stations,   Water Refilling Stations, Private Practices :

      Architectural/Construction Services, Medical

      Dental and Dermatological Services.

     

    ANGELICA LIFE PLAN

     

    • a fixed value life plan with  increasing memorial benefits.
    • Contestability period for any of the insurance benefits shall be (1) one year from the effective date of the Plan.
    • Pre-existing Illness-Heart ailment, hypertension, cancer, diabetes, lungs ailment, kidneys or intestinal disorder and tuberculosis.
    • contestability is applicable when  insured died within the period of one year and caused by pre-existing ailment.

    Health & Disaster Savings

     

      • A Non-Life insurance for members of cooperatives to insure their properties against destruction of Earthquake, Volcanic Eruption and Typhoon/Flood.

      SUM INSURED

      P6,500.00 per Certificate (one time used) on properties (building and/or household Furniture, fixture and Fittings) totally damage or totally physically damages caused by Earthquake, Typhoon, Flood and Volcanic Eruption owned/rented by the member which is primarily use as residence by the member in the declaration.

      OTHER COVERAGE

      P500.00 (Maximum coverage per year) on Medical Reimbursement for the principal member due to accident following on the occasioned mentioned above as a result of totally destruction of depositors properly insured.

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