Personal Accident Insurance

Live life boundless and free from worry of accidents

Looking to insure from accidents?

Get reliable protection for you and your loved ones

Need more information ?

Download brochure
CHOOSE YOUR

Personal Accident Insurance

Choose your preferred personal accident insurance with coverages and benefits that answer to you and your beneficiaries’ immediate emergency assistance needs.

FAMILY PROVIDER'S ACCIDENT INSURANCE

  • As mother or father you know the amount of effort and sacrifice entailed in providing the best future for your children.
  • We offer two types of plans: Plan 500 and Plan 1000. Each plan covers you anywhere in the world, 24 hours a day.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.

Buy Online

HOSPITAL CASH BENEFIT INSURANCE

  • Being confined can be costly. Protect yourself from the many hospital fees you will have to pay during confinement. The Hospital Cash Benefit Insurance is a hassle-free plan that provides you with a fixed daily cash benefit in case of hospital confinement due to a sickness or injury.
  • We have two plans you may choose from based on your protection needs: Plan 1000 and Plan 2000.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.

Buy Online

HOUSEHOLD EMPLOYEE ACCIDENT INSURANCE

  • Household Employee’s Plan
  • A personal accident and daily hospitalization cash plan especially designed for helpers.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.

Buy Online

PREMIER PERSONAL ACCIDENT INSURANCE

  • Superior Personal Accident Insurance Plan*
  • Superior and comprehensive personal accident insurance with readily available high coverage up to a maximum of Php 5,000,000.00. There are four plans to choose from depending on your desired limit.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.
  • Compulsory Third Party Liability (CTPL)
  • Third Party Liability coverage that is required by law upon vehicle registration. This provides protection from liabilities arising from death of or bodily injury to third parties.

Buy Online

FAMILY PROVIDER'S ACCIDENT INSURANCE

PERILS COVERED
Accidental Death
Death Benefit - lump sum amount
Funeral/Burial Assistance
Family's Monthly Shelter Allowance for 1 year
Yearly Educational Assistance (per child, for 5 years, up to 4 children)
Annual Hospitalization of Dependents (up to 5 years)
Accidental Permanent Disablement
Total and Permanent Disablement
Monthly Pension for 1 year
Medical Reimbursement

LIMIT OF COVERAGE

PLAN 500
(In PHP)
PLAN 1000
(In PHP)
500,000
1,000,000
25,000
50,000
5,000
10,000
30,000
50,000
10,000
20,000
up to 500,000
up to 1,000,000
5,000
10,000
10,000
20,000

HOSPITAL CASH BENEFIT INSURANCE

PERIL COVERED

Accidental Death or Disablement

Daily Cash Benefit

ICU Confinement

Surgical Benefit

PLAN 1000

(In PHP)

PLAN 2000

(In PHP)

250,000

500,000

1,000

2,000

1,500

3,000

10,000

20,000

Other Features:

NO CLAIM BONUS: If you do not claim for consecutive years, you get a 10% increase in hospitalization benefits per year, up to a a maximum of 50%. Here are the maximum limits you may get from the no claim bonus special feature.

Maximum No Claim Bonus

Daily Cash Benefit

ICU Confinement

Surgical Benefit

Plan 1000

(In PHP)

Plan 2000

(In PHP)

1,500

3,000

2,250

4,500

15,000

30,000

HOUSEHOLD EMPLOYEE ACCIDENT INSURANCE PLANS

Benefits

Accidental Death & Permanent Disablement

Accidental Medical Reimbursement

Daily Hospital Income following an Accident (max. of 15 days)

Unprovoked Murder and Assault

Burial Expense

Double Indemnity - Accident While on Board a Private Land Transportation Vehicle

PLAN 50

(In PHP)

PLAN 100

(In PHP)

PLAN 150

(In PHP)

50,000

100,000

150,000

5,000

10,000

15,000

200/Day

200/Day

200/Day

50,000

100,000

150,000

5,000

10,000

15,000

50,000

100,000

150,000

Special Features:

PREMIER PERSONAL ACCIDENT INSURANCE BENEFITS

BENEFITS

Accidental Death & Permanent Disablement

Unprovoked Murder and Assault

Accidental Medical Expense Reimbursement

Accidental Burial Expense

PLAN 1

(In PHP)

PLAN 2

(In PHP)

PLAN 3

(In PHP)

PLAN 4

(In PHP)

2,000,000

3,000,000

4,000,000

5,000,000

2,000,000

3,000,000

4,000,000

5,000,000

100,000

100,000

Other Accident Insurance Solutions from OONA

Accident Insurance for Employees with Flexible Coverage

A group personal accident insurance solution that may be designed based on your desired coverage for your employees. You may choose a combination of the below coverages and we will custom fit the group plan to suit your needs.col

The coverages you may choose from are:

  • Accidental Death and Total or Partial Permanent Disablement
  • Unprovoked Murder and Assault
  • Medical Reimbursement
  • Burial Expense
  • Daily Hospital Income Benefit

Buy Online

Steps to Report
Insurance Claim

Call the 24/7 Claims Assistance Hotline at +632 8876 4400 or fill out the Claims Form Online

Submit relevant and required documents online, through UpDocs

Oona will provide updates on the status of your insurance claim

Report a claim

Frequently
Asked Questions

If I missed to declare my designated beneficiary, which of my relatives are entitled to claim the Insurance proceeds in case of death?

In the absence of a named beneficiary, the beneficiary will be the estate of the insured or any relative by blood or connection by marriage who is deemed by the Company to be equitably entitled thereto.

Is there a limitation to geographic scope of coverage?

No. The coverage is worldwide, 24 hours a day, 7 days a week, 365 days a year.

Can I apply for more than one policy?

Yes. An insured may avail of more than one personal accident insurance provided that the limit of his coverage does not exceed the maximum benefit allowed based on the percentage of his Gross Annual Income.

Is motorcycling automatically covered?

No. Motorcycling is not automatically covered. One may request subject to underwriting approval.

Up to what age can I be allowed to get Personal Accident Insurance?

Individuals between 1-60 years old may avail of personal accident insurance. However, minors between 1-16 years old should be accompanied and represented by their guardian upon applying. Clients who wish to renew their policies may do so until they reach 65 years old.

Is Unprovoked Murder and Assault automatically covered?

No. Unprovoked murder and assault is subject to underwriting approval depending on the nature of occupation of the applicant.

Can I automatically avail of a high coverage under Personal Accident?

The limit of coverage is normally based on the insured’s gross annual income and his/her occupation.

What is a pre-existing illness? Is this covered?

Pre-existing illness is defined as any illness or medical condition already affecting the insured, whether known or unknown to the insured, before the effectivity date of his/her coverage. No. The company does not cover losses attributable to pre-existing illness.

What is the maximum limit of benefits of the Company will provide for self-employed individuals?

For self employed individuals, the maximum coverage allowed will be determined based on the insured’s Gross Annual Income during the previous year, verifiable through his/her Income Tax Return (ITR).

I have 5 children , the eldest is graduating from college and the youngest just entering pre-school, will the coverage of my eldest transfer to my youngest child?

Yes. The coverage is intended to cover the educational expenses of ANY four (4) currently studying children for the first five years of the insured’s death.

How do I claim monthly shelter allowance benefit? Monthly Pension?

The company shall pay the monthly shelter allowance and the monthly pension in full lump sum amount, which the beneficiaries may claim together with all the other benefits.

If a dependent were hospitalized due to sickness a year after the insured/s death, will he/she be covered?

Yes. If the insured dies, the Company will pay for the hospitalization expenses of his/her dependents up to the policy limit for the first five (5) years of his/her absence whether or not the dependent’s confinement is caused by an accident or sickness.

Will my domestic employee be covered on her day off?

Yes. The domestic employee is covered for as long as he/she is employed with you. Coverage ceases to attach upon his/her termination or replacement.

Is the coverage transferable in case my domestic employee resigns?

Yes. As soon as the previous domestic employee leaves her coverage automatically ceases. The coverage will be extended to your new domestic employee provided that you inform the insurance company of the changes made.

How many times can I be allowed to transfer the coverage?

The insured may transfer the coverage to his/her new domestic employee up to two (2) times each year.

How much can a domestic employee claim in case he/she dies whilst riding the employer’s vehicle?

A domestic employee is entitled to twice the face value in case he/she dies due to an accident whilst riding the employer’s vehicle.

Can I claim if I were treated as an outpatient?

No. The insured must be confined as a resident patient for atleast 24 hours in a licensed hospital or clinic registered with the Bureau of Medical Services in order to be entitled to the daily cash benefits.

When will the benefits be received?

The applicable cash benefits will be paid upon the covered person’s discharge from the hospital. However, advance payment may be requested for confinement exceeding 14 days.

To whom will the Company pay the benefits?

Oona pays all the cash payables directly to the insured and not to the hospital. This allows the insured to use the money in any way he wants – for medicines, laboratory fees, etc.

If I were hospitalized due to a continuing sickness after the policy has expired, would I still be covered?

Yes, the Company will still pay for the daily benefits provided the confinement is within one year from the first confinement and is due to the same and continuing sickness.

After earning 20% increase in hospitalization benefit limit for two (2) consecutive claim-free years, will my benefits revert to its original limit after a claim?

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

DISCLAIMER

This website contains only a general description of coverage and is not a statement of contract. Coverage is subject to the exclusions and conditions of the actual policy. Policy applications are subject to the approval of Oona Insurance.

Hello!
We’re glad
you’re here

Got a question?
We do our best to respond
in a timely fashion.