Borrower Protection

The Customer will not be able to claim any benefit in this coverage IF the loss was caused by or occurred in his/her Line of Work.

This plan does NOT cover the loss caused by or occurring in the Line of Work (of Customer). See the occupations listed below:

• Aviators, Sailors
• Construction workers, Window cleaners
• Detectives, Policemen, Secret Service Personnel
• Divers, Acrobats, Jockeys and athletes
• Professional drivers, Security guards. Drivers of trucks with ten (10) wheels or more
• Explosives makers, Woodworking machinists, Sawmill workers
• Firemen, Loggers, Miners, Boilermen, Fishermen
• Asylum attendants, Underground worker

The Customer will not be able to receive any benefit if the loss was caused by directly or indirectly, wholly or partially, by;

1. bodily or mental infirmity or disease of any kind, hernia, ptomaines, bacterial or viral infection other than infection occurring simultaneously with and in consequence of an accidental cut or wound; or
2. suicide or attempted suicide while sane or insane, or self-inflicted injuries;
3. committing or attempting to commit any crime, felony or other illegal act;
4. killing by another person under any circumstance/s, homicide;
5. pregnancy, childbirth, miscarriage or any complications thereof; or
6. poison, carbon monoxide or drug overdose; or
7. war (declared or undeclared), insurrection, riots, rebellion, civil commotion or hostile action of armed forces; or
8. earthquake, volcanic eruption or tidal wave; or
9. atomic explosion, nuclear fission, or radioactive gas; or
10. any aviation or marine activities, except while the Customer is riding as a fare paying passenger in an air or marine device operated by a commercial airline or shipping line on a scheduled passenger trip over its established passenger route, or scheduled air service over an established route; or
11. while engaging in motorcycling; or
12. while engaging in hunting or pillion riding, mountaineering which necessitates the use of ropes or piton, racing of any kind other than on foot; hang gliding, ice or winter sports, water ski-jumping and tricks, yachting beyond five kilometers of a coastline, underwater activities involving the use of underwater apparatus or using woodworking machinery driven by mechanical power other than portable tools applied by hand and used solely for private purposes without reward.

This plan also does NOT cover death or injuries caused by:

1. insanity, self-destruction (sane or insane) or any attempt upon himself, tidal wave;
2. war, act of war, invasion, act of foreign enemy, hostilities, (whether war be declared or not), strike, riot civil commotion, civil war, rebellion, revolution, insurrection, or military or usurped power, mutiny, military or popular rising, or suffered by the insured while in the military or naval service of any country at war;
3. and terrorism or acts of terrorism.

Excluded Activities:

1. Professional, dangerous, or extreme sports;
2. Climbing, mountaineering or any activities necessitating the use of ropes and guides;
3. Motor rallies;
4. Racing other than on foot;
5. Scuba diving, wind surfing or any related water activities;
6. All forms of motorcycling riding including pillion riding

The Customer will not receive any assistance for hospital confinement IF the cause was resulted by the following reasons.

The Customer will not receive any payment benefit for Hospital Confinement caused by or resulting from any of the following:

1. Functional disorders of the mind/psychiatric illness such as but not limited to anxiety and depression;
2. Congenital anomalies;
3. Drug addiction or alcoholism;
4. Injuries resulting from committing or attempting to commit any illegal act;
5. Self-inflicted Injuries whether sane or insane;
6. Plastic surgery for any condition existing on the effective date of this benefit; except if due to accident to restore to normal function;
7. Cosmetic surgery for purposes of beautification except treatment of Injury sustained in an accident while covered;
8. Injuries due to war (declared or undeclared), insurrection, riots, rebellion, civil commotion or hostile action of armed forces;
9. Injuries due to any aviation or marine activities except while the Customer is riding as a fare-paying passenger in an air or marine device operated by a duly licensed commercial airline or shipping line on a scheduled passenger trip over its established passenger route, or scheduled air service over an established route;
10. Medical or surgical procedures which are experimental in nature or not generally accepted as standard medical treatment by the medical profession, which may include but is not limited to chiropractic services, chelation therapy, herbal treatment and acupuncture;
11. Poison, carbon monoxide or drug overdose;
12. Pregnancy, childbirth, miscarriage or any complications thereof;
13. While engaging in hunting, mountaineering which necessitates the use of ropes and piton, racing of any kind other than of foot, hang gliding, ice or winter sports, water ski-jumping and tricks, yachting beyond five kilometers of a coastline, underwater activities involving the use of underwater apparatus or using woodworking machinery driven by a mechanical power other than portable tools applied by hand and used solely for private purposes without reward;
14. Hospitalization outside the Philippines.