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  • Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Period

    Whole Life

    Issue Age

    18 - 65 years old

    You can buy this via

    BPI-Philam Appointed Representative


    What is the product about?

    Protect those moments you live for with Critical Care Plus, a unit-linked health and life insurance plan that takes care of serious health-related expenses and grows your fund for future healthcare needs. Focus on recovering and enjoy more moments with your family. It is integrated with Philam Vitality Program which provides an upfront additional coverage of 20% to your policy and any attached add-ons.

    • Download Brochure Download Brochure
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    what does it provide?

    • Take Care of Serious Health-Related Expenses
      Take Care of Serious Health-Related Expenses

      Receive a cash benefit upon diagnosis of any of the covered critical illnesses.

    • Growing Fund for Future Healthcare Needs
      Growing Fund for Future Healthcare Needs

      Build up a health fund that grows over time to pay for other medical costs. The fund grows over time depending on the performance of your chosen investment funds. This continues to grow even after payment of the plan’s benefits.

    • Peace Of Mind In Any Situation
      Peace Of Mind In Any Situation

      Have peace of mind as you secure your loved ones financial future with life insurance coverage for you until age 100.

    • Waiver of Payment Due to Critical Illness
      Waiver of Payment Due to Critical Illness

      We make sure that your life insurance coverage continues during these trying times by exempting you from making future payments when you are diagnosed with any of the covered 56 major critical illness.

    • Accident Protection
      Accident Protection

      Accidents happen when you least expect them. Ease your family’s burden with a cash benefit in case of accidental death, dismemberment, or disability.

    • Philam Vitality Rewards
      Philam Vitality Rewards

      Live a healthier lifestyle with an exclusive wellness rewards program. Enjoy an upfront additional coverage of 20% to your policy and any attached add-ons.

    Insurance Lingo Explained

    What is a health fund?

    This is your plan's savings built from investing a portion of your payments to expertly managed funds


    DO YOU WANT ADDITIONAL PEACE OF MIND?

    Additional options are available for you to customize your cover to make sure it suits your individual needs.

    • Boost your Accident and Health add-on coverage with the following: 1. Medical reimbursement – reimburse your actual accident-related costs up to a maximum amount 2. Weekly income benefit – receive weekly cash payout up to 26 weeks in the event of total disability due to an accident

    Provide your best interests with the financial protection they deserve as you live a healthier life today!

    Philam Vitality


    THE FINE PRINT


    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    IMPORTANT NOTES

    This product is a regular-pay, peso-denominated insurance plan which is unit-linked – allowing clients to participate in the potentially high returns from the financial market, with the convenience of placing additional investments through top-ups on a regular or ad-hoc basis. It can be customized and changed over time depending on client’s changing need, with a comprehensive set of unit-linked riders available to provide additional protection benefits.

    You have the option to choose a maximum of 3 funds among the 8 available funds. These underlying funds are managed by BPI-Asset Management and Trust Group (BPI-AMTG) and BPI Investment Management Inc. (BIMI):

    1. BPI-Philam Peso Bond Fund
    2. BPI-Philam Odyssey Bond Fund
    3. BPI-Philam Odyssey Balanced Fund
    4. BPI-Philam Balanced Fund
    5. BPI-Philam Philippine High Dividend Equity Fund
    6. BPI-Philam Peso Equity Index Fund 2
    7. BPI-Philam Growth Fund
    8. BPI-Philam Odyssey High Conviction Equity Fund
       

    Note: Investment funds listed above are subject to availability upon product availment.

    Purchasing a unit-linked life insurance product has its advantages and trade-offs. Investing in a unit- linked product, you must understand that the product may be subject to investment risks which include, but are not limited to interest rate risk, market/price risk, liquidity risk, credit/default risk, reinvestment risk, foreign exchange risk, and country risk which could affect the value of the policy. The Company is guided by Investment Policies and Guidelines in managing these risks; however, this does not guarantee investment returns nor protection against capital loss. To further understand the nature of said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

    Critical Care Plus is a unit-linked insurance plan. This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase or invest in it.

    Actual terms and conditions of Critical Care Plus are found in the Policy. In case of conflict, the Policy terms shall prevail.

    THE FINANCIAL PRODUCTS OF BPI-PHILAM LIFE ASSURANCE CORPORATION ARE NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION AND ARE NOT GUARANTEED BY THE BANK OF THE PHILIPPINE ISLANDS.

    REMINDER ON PRE-EXISTING CONDITIONS AND FREE-LOOK PERIOD

    • Upon receiving the policy contract, you may refer to the document for full details on the critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI-Philam within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

      Upon receiving the policy contract, you may refer to the document for full details on the critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI-Philam within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

    CONTACT BPI-PHILAM

    (632) 8 5285501

     

    1-800-188-89100 (Toll Free)

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

    CONTACT BPI-PHILAM

    (632)  5285501

     

    1-800-188-89100 (Toll Free)

     

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

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