Premium Personal Accident Insurance

Description

📋 Key Features (Compared to Basic)

Based on available descriptions and independent coverage commentary, the Premium plan generally does the same types of coverage as the Basic, but with scaled-up benefit limits:

✔️ Larger Main Accident Benefits

• Accidental Death & Permanent Disability: Typically about ₱1,500,000 (double the Basic’s ₱750,000).

✔️ Other Accident-Related Benefits (Likely Higher)

• Motorcycle accident coverage

• Accident Medical Reimbursement

• Daily hospital income

• Accidental burial expenses

• Unprovoked murder & assault benefit

• Unlimited 24/7 tele-consultation
  While exact numeric limits for things like medical reimbursement and hospital income aren’t widely published, the Premium plan’s main difference is the higher maximum benefit amounts across categories.

✔️ One-Year Coverage & Single Premium

Like the Basic plan, the Premium policy is usually sold as one year of coverage with a one-time premium payment rather than monthly billing.

💸 Approximate Premium

• Reports from independent commentary suggest the annual premium for the Premium Personal Accident Insurance is around ₱5,000 per year, which is higher than the Basic plan’s ~₱3,500 annual cost.
  (Exact pricing may vary depending on the distributor or enrollment package and should be confirmed at the time of purchase.)

📍 What It’s For

The Premium plan is suited for people who want more extensive financial protection in case of a serious accident — for example, those who:

• Ride motorcycles frequently

• Work in higher-risk environments

• Want higher lump-sum payouts for death or disability

🧠 Important Notes

• Ascendra International is not the insurer itself; it partners with a licensed insurance company to arrange the policy.

• As with all personal accident insurance, coverage applies only to accidents (not illnesses or natural causes) and is subject to the terms, conditions, and exclusions in the policy document.

• Because specific published product brochures from Ascendra are limited online, the exact coverage figures and exclusions are best confirmed directly with the insurer or distributor before purchase.