Got a question? We have answers!

The policy deductible is the initial amount you have to pay out of your pocket for each claim. It's important to understand this when choosing a car insurance policy.

If the claim amount is equal to or less than the deductible, the insurance company won't pay anything.

For example, if the deductible is ₱ 3,000:

If you have a loss that costs ₱ 13,000, the insurance company covers P10,000, and you pay the remaining ₱ 3,000. But if the loss is only ₱ 2,900, you have to pay the full amount because it's below the ₱ 3,000 deductible. Think of the deductible as a minimum—if the loss is below it, you pay; if it's above, the insurance company covers it.

Yes, it's covered during transportation except when it's not on board a vessel sailing between islands or any aircraft flying through air travel lines.

No, it's not allowed. You shouldn't make any agreements with the third party. It's important to coordinate any settlements through your insurer's authorized representatives to ensure a seamless car insurance claim process.

Any authorized person, not necessarily related to you, can drive the vehicle as long as they have a valid driver's license, unless the policy states otherwise.

Typically, Acts of Nature are excluded from the policy, but you can add coverage for them by paying an additional premium.

If you don't have CTPL, you cannot register your vehicle, and it is not allowed to be driven in public roads and highways.

For motor comprehensive insurance, it is totally fine if you don't have it unless your vehicle is loaned/financed as it is just an essential requirement prior the approval of the loan.

However, if you are looking for additional coverage like personal accident coverage from an insurance company in the Philippines you may choose motor comprehensive insurance as it offer further financial protection in case of unforeseen incidents.

If you are looking for affordable motor comprehensive insurance coverage, you may consider choosing a lesser coverage like Own Damage (OD) and Theft only. Own Damage (OD) protects your vehicle against accidents, collisions, and other mishaps. It’s like a safety net for your car. While theft focuses specifically on safeguarding your vehicle from theft-related risks.

The price of comprehensive car insurance in the Philippines changes depending on the value of your vehicle. The expensive the vehicle, the higher the insurance price. But for the purpose of estimation, If your vehicle's value ranges from 600k - 1M which is the Fair Market Value, the average premium for your vehicle is 15k - 25k.

No. Driving without Comprehensive Motor Insurance is not against the law. It's optional because it provides coverage beyond accidents, such as theft or natural disasters, which are not mandated by law for driving.

However, CTPL Insurance is mandatory for driving, so driving without it is unlawful.

Comprehensive Motor Insurance is usually considered as the best car insurance because it offers extensive coverage for:

1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to the other person involved in an accident.
3. Injuries to your passengers.

This type of insurance gives you peace of mind on the road, especially when the car insurance coverage includes extra features like easy claims and roadside assistance.

Motor Comprehensive insurance in the Philippines provides broader coverage and protection to you and your vehicle. It covers:

1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to the other person involved in an accident.
3. Injuries to you as the driver and your passengers while driving the vehicle.

No, once your vehicle is sold or transferred, the insurance policy ends immediately. Any accidents after selling won't be covered unless communicated and approved by the insurance provider.

The standard deductible ranges from 0.50% to 1.0% of the Sum Insured, with a minimum of 2,000 or 3,000 for each claim.

Loss of Income isn't covered, but there's a Loss of Use benefit you can get by paying extra premium. It provides a transportation allowance for a set time while your vehicle is being repaired at the CASA.

Yes, spare parts aren't depreciated. You can let the adjuster know if you want to use them instead of paying depreciation. However, it's advisable to use spare parts for body parts like fenders or bumpers, not for mechanical parts such as suspension or engine components.

Third party insurance provides coverage against liability to a third party. There are two types of TPL insurance for motor vehicles. One is CTPL (Compulsory Third Party Liability), which is required for LTO registration and has a limit of up to ₱200,000. Its coverage is limited to injury or death of a third party. The other is VTPL (Voluntary Third Party Liability), which offers additional protection beyond CTPL with limits ranging from ₱500,000 to ₱1Million. It covers both injury or death and property damage to third parties.

No, you don't need comprehensive car insurance unless your vehicle is on loan or financed. If it's loaned to a financing company, you must have comprehensive insurance covering Acts of Nature for as long as the loan term. However, even though it's not mandatory, it's recommended to have comprehensive insurance for better coverage and protection.

It covers damages to your insured vehicle caused by:
1. Accidental collision or overturning
2. Fire, explosion, self-ignition from outside sources
3. Lightning
4. Burglary, theft, or housebreaking
5. Malicious acts (except by the insured, their family, or service personnel)
6. While in transit (including loading and unloading) by road, rail, waterway, lift, or elevator.

Notify your car insurance company right away if there's an accident involving your insured vehicle to prevent claim denial due to late filing, even if you don't have all the necessary documents yet. But don't make agreements or settlements with the other party without talking to the insurance company's authorized representatives.

But don't make agreements or settlements with the other party without talking to the insurance company's authorized representatives.

No, it only covers injuries or death of people. Injuries to animals might be covered under Third Party Property Damage.

If a domestic employee dies in an accident while riding the employer’s vehicle, their beneficiaries are entitled to twice the face value.

Yes, if the insured dies, the company will cover hospitalization expenses for the insured's dependents up to the policy limit for the initial five (5) years of the insured's absence. This coverage applies regardless of whether the dependent's hospitalization is due to an accident or sickness.

No. The increased hospital benefit limit shall remain the same.

The maximum coverage for self-employed individuals is determined by their Gross Annual Income from the previous year, which can be verified through their Income Tax Return (ITR).

You can claim both the monthly shelter allowance and pension together as a single lump sum payment, along with your other benefits.

Yes, you can apply for multiple personal accident insurance plans. Just make sure the total coverage amount doesn't exceed the maximum benefit permitted, which is determined by a percentage of your Gross Annual Income.

No, coverage for Unprovoked Murder and Assault is not automatic. It depends on the applicant's occupation and requires underwriting approval, as well as payment of an additional premium.

The insured has the option to transfer coverage to a new domestic employee twice per year

The limit of the personal accident insurance cover is determined by your gross annual income and occupation.

The Company pays you directly, not the hospital. This means you can use the money freely for medicines, lab fees, medical expenses, etc.

Yes, the coverage is designed to support the educational expenses of up to four (4) children currently studying for the first five years after the insured's death.

Yes, when your previous domestic employee leaves, their coverage stops automatically. However, you can extend coverage to the new domestic employee by informing the insurance company of the changes.

No, it's not automatically covered. But you can ask to add coverage for accidental death or permanent injury, which requires underwriting approval and an extra premium.

You can get Personal Accident Insurance if you're between 18 and 60 years old, with the option to renew until you're 65. If you want to include minors aged 1 to 17, their parent or legal guardian must be the policyholder.

You'll get your daily hospital cash benefits when you leave the hospital under the hospital cash plan. If you stay for more than 14 days, you can ask for an advance payment for the rest of your stay.

To claim the daily cash benefits, you must be admitted to a hospital or clinic recognized by the Bureau of Medical Services for at least 24 hours. So, you need to stay there overnight to qualify.

Yes, if you're confined again within a year due to the same ongoing illness, the company will still cover your daily benefits.

A pre-existing illness is any medical condition you already had before your coverage began, whether you were aware of it or not. Unfortunately, losses due to pre-existing illnesses are not covered by the company.

Yes, the domestic employee is covered as long as they are employed with you. Coverage ends when they leave or are replaced

No, there's no restriction. The coverage extends anywhere in the world, 24/7, offering protection against medical expenses from injury.

If no beneficiary is named, the insurance proceeds would go to your estate or any relative by blood or marriage whom the Company considers entitled to the proceeds.

The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.

With cashless medical assistance, you can get medical care without paying upfront at hospital. The insurance company pays the hospital directly, so you don't have to pay out of your pocket and request reimbursement later.

Picking the perfect travel insurance in the Philippines is important for hassle-free journeys. The best policies are the ones that cover a wide range of situations, from trip cancellations to medical expenses, travel assistance, and lost luggage, all while offering exceptional customer service.

Oona Travel Insurance provides personalized and extensive coverage for all travelers, ensuring your peace of mind throughout your trip. Oona lets you enjoy seamless travel protection throughout your dream adventures. Ready for your next adventure? Get Oona Travel Insurance Philippines!

Though this is not mandatory, we recommend getting travel insurance for any trip so you can be covered for important things, and you can enjoy hassle-free travels, with no worries.

Absolutely! It's important for Filipino travelers to get their own travel insurance plan. Having insurance covers you from unexpected events and gives you peace of mind on your journey. Choose a policy that fits your needs, covering cancellations, medical emergencies, and more. Make sure your travels are protected with the right insurance.

Your policy does not cover COVID-19 by default, but you can easily get travel insurance with COVID-19 coverage as an add-on.

This add-on covers medical treatment/expenses, repatriation of mortal remains, and reimbursements for when your trip is cancelled or cut short, because of COVID-19.

This insurance covers the costs when cancelling a trip before leaving the Philippines. It reimburses you for non-refundable things like flights, hotels, meals, and activities you've already paid for but can't use. These may occur due to unforeseen circumstances such as death, injury, illness (except for existing conditions), court appearances, significant home damage, job loss, and more.Your insurance policy starts from when you purchase it and lasts until you board your transportation.

If your trip is cancelled, your travel insurance typically covers the expenses. This includes reimbursement for unused travel, accommodation, meals, and prepaid activities due to unforeseen events such as death, injury, illness (excluding pre-existing conditions), court summonses, serious home damage, job loss, and more. The coverage starts from when you purchase the policy and lasts until you board your transportation.

Your policy begins an hour before your scheduled departure, stays active throughout your trip, and ends one hour after your scheduled or actual arrival, whichever comes first.

You must immediately contact our 24/7 hotline number at +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH) or email us at travelassist@oona-insurance.com.ph. Be sure to provide us the following information:

- Personal Information.
- Policy Number.
- Contact Numbers (mobile/hotel/residence).
- Location
- Sickness/injury.

Our travel insurance with COVID-19 coverage starts at an unbelieveably affordable price of ₱ 299!

Travel insurance doesn't usually cover:

1. Actions by the Insured: Such as misconduct, criminal activities, fraud, negligence, recklessness, or mental disorders.
2. Natural Disasters: Like floods, earthquakes, or volcanic eruptions.
3. Terrorism and Conflicts: Including incidents related to terrorism, uprisings, wars, or conflicts.
4. Risky Activities: Such as hazardous sports or dangerous recreational activities.
5. Travel Advisories: Losses in areas with "DO NOT TRAVEL" warnings or due to government actions.
6. Pre-existing Conditions: Such as known health conditions, self-harm, or substance misuse.
7. Other Exclusions: Like personal errors, financial failures of providers, or major unforeseen events.

These exclusions help define what's covered and manage risks.

Your policy kicks in if your outgoing or incoming flight is delayed for more than six hours due to bad weather, technical issues, or actions by authorities.

For an additional premium, participation in certain hazardous sports can be covered, such as:

- Abseiling
- Ice-skating
- Off-road mountain biking
- Ice hockey, canyoning
- Bobsleighing, rodelen
- Downhill skiing, langlaufen on the normally marked public open pistes
- Snowboarding
- Big foot skiing
- Ballooning (as part of a guided tour)
- Mono-skiing; and
- Any sport with a increased risk of accidents

However, it doesn't cover participating in competitions or tournaments organized by sports federations or similar groups.

Yes! While airlines typically offer travel insurance as an add-on, you can still avail travel insurance from providers like Oona Insurance. Just be sure to purchase at least a day before you are scheduled to fly out!

No, we don't cover pre-existing conditions initially. However, we do provide first medical aid for emergencies, which includes treatment at hospitals, surgeries, and ambulance services. If it turns out that your condition existed before you got the insurance, we won't cover any further treatments related to it. If your initial coverage limit is reached before we can determine if it's a pre-existing condition, we'll keep providing assistance until we have a diagnosis. If it's not pre-existing, you'll get the regular medical benefits. But if it is, you'll need to pay for any extra costs beyond the initial limit and any excess charges.

Yes, you may still update your flight details before your travel insurance policy starts.

No, but we can extend your coverage to include your cruise trip, for an additional premium.

Definitely! With Oona Insurance Travel Online, you can easily purchase travel insurance, anytime, anywhere, and as quickly as possible -- even while waiting for your flight. Just head over to www.myoona.ph and select the Oona travel insurance plan that's right for you. You'd get your policy straight to you inbox with just a few clicks.

There are just two (2) important steps to make a claim for your lost luggage:
1. Notify the Airline via their Customer Service
2. Report the incident by calling our 24/7 Hotline numbers: +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH), and our team will guide you throughout the whole claims process.

Overbooking happens when the airline sells more seats than they have available. If your flight is delayed by over 6 hours because of overbooking, the policy covers reasonable costs for meals, lodging, and airport transfers, as long as the airline or others didn't already provide these for free.

Travel insurance isn't required for traveling within the Philippines, or many other places in Asia and worldwide. But if you're heading to Schengen countries, you need international travel insurance, with at least 30,000 EUR coverage. While not necessarily needed elsewhere, we strongly recommend securing travel insurance to ensure a smoother and worry-free experience during your travels.

Nobody likes flight delays and so here we are turning your dismay to delight! This cool insurance covers your premium airport lounge access when you get flight delays exceeding sixty (60) minutes.

Unfortunately, we do not cover this if the airline has been responsible and has informed you about the delay in advance.

This highly depends on which flights you included. Our Flight Delay covers you for up to four (4) flights.

All you need are your flight details and your information seen in your passport, and you’re good to go!

We must admit! This is a win for the airlines, and in this instance, your flight is on time, so hooray! The Flight Delay will not kick in, as your flight was on time.

The Certificate of Cover is a vital part of the CTPL policy. It's the document needed by the Land Transportation Office (LTO) for processing the vehicle's certificate of registration, ensuring that it is legally registered for use.

For death or permanent disability claims, it's up to ₱200,000. For other injuries, compensation follows what is set in the schedule of indemnities.

It's insurance that covers the insured person against liability to any third party resulting from using the insured vehicle. CTPL covers only bodily injury and death of third parties, while VTPL also covers damage to their property.

The validity of CTPL Insurance depends on your vehicle's condition during the time of purchase. CTPL for new vehicles expire after three (3) years, while for non-brand new vehicles, their CTPL Insurance usually expires after a year. Upon expiry, you would need to renew your CTPL insurance every year.

Yes. While Comprehensive Motor Insurance is optional when you register a vehicle in the Philippines, it is a legal mandate for vehicle owners to have a valid Compulsory Third Party Liability (CTPL) Insurance,. So driving without one can get you into trouble.

No, unless your vehicle is financed through a loan with a financing company, like a bank. Financing companies require insurance for vehicles under a loan term.

VTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.

The Schedule of Indemnities is a chart that lists the possible compensation amounts for different types of injuries. It helps people understand how much they could potentially get from a claim.

No, CTPL does not cover property damage to a third-party's property. It only provides coverage for bodily injury or death of a third-party person.

No Fault Indemnity means our company will cover your accident expenses of up to ₱15,000, regardless of who's at fault.

Yes, car insurance for one, is subject to Value-added Tax (VAT) and Local Government Tax, including fees for authentication and documentary stamp.

Yes, you need CTPL (Compulsory Third Party Liability) Insurance in the Philippines for legal vehicle registration with the LTO, even if you already have comprehensive motor insurance. CTPL is a must, while VTPL (Voluntary Third Party Liability) in comprehensive policies is optional.

It's recommended to get Comprehensive Insurance with Acts of Nature coverage, especially in the Philippines where natural disasters can happen.

The Certificate of Cover (COC) is an important document in your CTPL insurance policy. When you buy CTPL insurance, you'll receive the COC, which is essential for processing requirements with the Land Transportation Office (LTO). While the COC serves as proof of insurance, it's not the same as the CTPL policy. Instead, it's a vital part of it.

Compulsory Third Party Liability Insurance or CTPL Insurance is a coverage that is required by law in the Philippines for all motor vehicles when registering with LTO. This insurance protects you against any legal responsibilities for injuries or death to others caused by using the insured vehicle.

Yes, TPL (Third Party Liability) and CTPL (Compulsory Third Party Liability) are essentially the same. They both aim to protect against liabilities to third parties. However, in motorcar insurance, there are two types of TPL:

CTPL (Compulsory Third Party Liability): This insurance is mandated by the Land Transportation Office (LTO) for vehicle registration in many places. It usually covers up to ₱200,000 and is limited to injuries or death of third party persons involved in an accident with the insured vehicle.

VTPL (Voluntary Third Party Liability): This is optional insurance that offers more coverage than CTPL. It can cover from ₱500,000 to ₱1,000,000. VTPL includes both injury or death to third parties and damage to their property, offering broader protection similar to a comprehensive insurance policy.

In short, while TPL and CTPL are similar, CTPL is a specific type required for vehicle registration, and VTPL is an optional extension that provides more comprehensive coverage.

You can still drive the vehicle without comprehensive insurance, except for CTPL, which is required for car registration.

TPL, or Third Party Liability insurance, covers injuries or damages to a third party caused by an accident arising from the use of the insured vehicle. It doesn't cover damage to the insured vehicle or injuries to its driver or passengers.

Comprehensive motor insurance offers broader coverage. It includes protection for the insured's vehicle, injuries to the driver, and injuries to passengers, which are not covered by TPL.

In summary, comprehensive motor insurance provides more extensive protection, covering both third-party liabilities and personal damages or injuries.

CTPL in the Philippines normally costs between ₱350 to ₱2,500 per year. For new vehicles, there's a three-year option costing between ₱1,800 to ₱4,500.

Please do not dispose of any damaged items until the inspection or investigation is completed, unless instructed by an Oona representative.

You may call us at our hotline (02) 8764400. Just have your claim number ready, which was provided by our First Notice of Loss (FNOL) personnel, and we'll be happy to update you on the status.

For Own Damage or Theft motor claims:

• Police Report, Affidavit, or Incident Report Form

• Registration Certificate and Official Receipt

• Driver's License and its Official Receipt

   

For Third-Party Property Damage motor claims:

• All requirements listed above for Own Damage claims

• Registration Certificate and Official Receipt of the third party's vehicle

• Driver's License and Official Receipt of the third party

• Certificate of No Claim from their insurer

   

For Third Party Bodily Injury motor claims:

• All requirements listed above for Own Damage claims

• Medical certificate, medical receipts and bills

• Death certificate (if filing for a death claim)

   

For Carnap Claims:

• All requirements listed above for Own Damage claims

• Alarm Sheet (Flash Alarm or Nationwide Alarm)

• Complaint sheet

• Certificate of non-recovery

   

It's always best to have these documents prepared to ensure a smooth claim process. If you need any further assistance, don't hesitate to reach out and we will be happy to help!

For Accident and Travel Claims, it takes 1-3 working days, except for Death Claims which takes 10-15 working days.

For Property and Miscellaneous Claims, expect 5-10 working days from the date of submission of complete documents if handled by an internal claims adjuster, and from the date of submission of the final report if handled by an external claims adjuster.

Once we receive your complete documents, our team will begin processing your claim. If your claim is approved, we’ll promptly communicate a settlement offer to you. This offer will outline the compensation you’re eligible to receive based on our assessment. Upon your acceptance of the settlement offer, we’ll initiate the payment process, ensuring timely disbursement of the approved amount.

You may simply click here  to report a claim online. You can also report a claim through (02) 8876-4400 for landline, 09209186242 (Smart), or 09175817175 (Globe). We are also ready to assist you with your claim through email at fnolclaims@oona-insurance.com.ph for motor claims, or at pcm_claims@oona-insurance.com.ph for non-motor claims. 

If the damage is minimal, yes, you can go ahead and have your property fixed. Just remember to take photos before the repairs.
For substantial losses, our Claims Representative will guide you after the inspection.

Simply click here  to see the list of trusted Oona partner workshops near you. They're equipped to handle all your repair needs.

For straightforward claims, it usually takes 1-3 working days after submitting the complete requirements. This applies to claims amounting to PHP 50,000 or below.
For larger claims above PHP 50,000, the processing time is 7-10 working days.
For Total Loss claims, it may take at least 15 working days.

Click here to download the claim forms online

• You can find the list of required claim documents by clicking here .
  Note: The list provided is a general guide, and the Company may request additional documents during the actual claim processing.

If you need roadside assistance, you may call our partner Pacifico Assistance at (02) 84594727.

For Fire Incidents: Call the Bureau of Fire Protection or the nearest authority right away. Safety first!
For Robbery or Burglary: In case of theft or burglary, report it to the nearest Police Station. They’ll assist you promptly.
For Catastrophic Incidents: Always keep your local Emergency Hotlines handy. These numbers are crucial during emergencies. Contact these numbers immediately for assistance during catastrophic incidents.
Document the scene by taking photos of any damaged items. Visual evidence will help with your claim processing. Then, notify OONA Insurance immediately.