Personal Accident Shield| Product

A. DEFINITION OF ACCIDENT

Loss as a direct result, independently and exclusively of all other causes, of bodily injury effected solely and directly by an external, violent, and purely accidental means and evidenced by a visible bruise or wound on the exterior of the body except in the case of drowning or if internal injury revealed by autopsy.
Accident or accidental referred hereto shall mean sudden, unforeseen and fortuitous event;
- 2.1 The death or bodily injury occurred within 180 days from the date of sustaining such injury or accident;
- 2.2 The injury was sustained while this Policy is in effect.

B. BENEFITS (per card)

DEATH OR DISMEMBERMET

In case of Death or Dismemberment due to an accident, the beneficiary or insured shall receive the amount specified below:

Loss of life	50,000
Loss of entire sight of both eyes	50,000
Loss of both hands or both feet	50,000
Loss of one hand and one foot	50,000
Loss of either hand or foot & sight of one eye	50,000
Loss of arm at or above elbow	35,000
Loss of leg at or above knee	30,000
Loss of one hand at or above wrist	25,000
Loss of one foot at or above the ankle	25,000
Loss of hearing of both ears	25,000
Loss of sight of one eye	25,000
Loss of four fingers and thumb of one hand	20,000
Loss of four fingers	17,500
Loss of hearing of one ear	12,500
Loss of all toes on one foot	12,500
Loss of thumb	7,500
Loss of index finger	5,000
Loss of middle finger	3,000
Loss of ring finger	2,500
Loss of big toe	2,500
Loss of little finger	2,000
Loss of any toe, other than big toe, each	500

MEDICAL REIMBURSEMENT

In case of an accident, the insured can reimburse the medical expenses incurred up to P5,000.
DAILY HOSPITAL INCOME

In case of confinement in a hospital due to an accident, the insured will be paid P500 per day up to a maximum of 60 days.
BURIAL BENEFIT

If the insured dies due to an accident, the beneficiary shall be paid an additional P5,000 burial benefit, on top of the P50,000 Accidental Death benefit.

C. ELIGIBILITY REQUIREMENTS

Qualified Ages - eighteen (18) to sixty (60) years old
Must not be engaged in any of the following occupations:

Military/police men, paramilitary/secret service personnel, detectives, firemen, explosive makers, sailors, divers, fishermen, off-shore/gas rig workers, loggers, miners, underground workers, construction workers, window cleaners, cable men or linemen

D. ADMINISTRATION AND CONSIDERATIONS

The PAS300 kit may be purchased at any CHSI branch for a one-time payment of Php300.
The CLIC Application for Personal Accident Insurance which is attached in the Personal Accident kit must be duly accomplished and submitted to Caritas Life directly or through any CHSI Branch office within six (6) months of purchase date.
Effective Date of Insurance coverage shall be one (1) day after receipt of application or one (1) day after card has been paid, whichever is later, and automatically expires one (1) year from effective date.
A Confirmation of Coverage (CoC) shall be issued upon receipt of application by Caritas Life.

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