Family Personal Accident Insurance: Family Protect

   Protect your loved ones today. Keep them safe and secure.

Standard Insurance Family Protect provides 24/7 family accident insurance in the Philippines—covering the principal policyholder, spouse, and up to two children against accidental injuries, hospitalization costs, and emergency expenses.

What is Family Protect?

Accidents are unpredictable and can happen anytime, anywhere. Family Protect by Standard Insurance is an all-in-one family accident insurance package designed to shield your household from sudden financial distress.

By covering the principal insured, spouse, and dependent children under one family plan, Family Protect coverage includes eligible accidental injuries, accident-related medical expenses, hospitalization benefits, and other selected assistance benefits.

Comprehensive Coverages & Family Benefits

Standard Insurance Family Protect offers multi-layered personal accident insurance coverage for the financial and medical protection of your household:

1. Accidental Death & Permanent Disability

• Principal & Spouse Coverage: Indemnifies beneficiaries if an accident leads to accidental death or permanent disablement of the principal policyholder or legal spouse.
• Child Coverage: Extends accidental death and permanent disability protection to dependent children (maximum of 2 kids, aged 5 to 21 years old).

2. Hospitalization & Medical Reimbursements

• Medical Expense Reimbursement: Reimburses actual medical bills, doctor fees, and hospital expenses incurred due to a covered accident.
• Motorcycling Risk Medical Extension: Provides eligible accident-related medical expense benefits arising from motorcycle use, subject to the applicable extension, benefit limit, licensing requirements, safety conditions, and exclusions.
• Daily Hospital Cash Assistance: Provides a fixed daily cash benefit during eligible hospital confinement resulting from a covered accident.

3. Emergency Family & Household Support

• Educational Assistance: Provides an educational assistance benefit for eligible dependent children following the covered accidental death or qualifying permanent disability of the principal insured, subject to the stated limit and conditions.
• Cash Assistance Benefit (non-accidental): Emergency cash assistance lump sum in the event of death resulting to non-accident related event, subject to exclusions such as pre-existing illness, AIDS/SARS,and government-advised epidemic diseases.
• Burial Assistance: Provides a burial or funeral assistance benefit following an eligible accidental death, subject to the policy schedule.
• Fire Assistance Benefit: Provides a fixed assistance benefit following an eligible residential fire involving the insured family’s declared residence, subject to the benefit amount and policy conditions.

Family Protect Package Options

Select the financial protection level that best fits your family’s needs:

Eligibility Criteria

Principal Policyholder: Adults aged 18 to 65 years old.

Spouse: Legal spouse aged 18 to 65 years old.

Dependent Children: Maximum of two (2) children, aged 5 to 21 years old.

Frequently Asked Questions (FAQs)

What are the Family Protect coverages?

Family Protect covers the principal policyholder, spouse, and up to two children for accidental death, permanent total disability, medical expense reimbursement (including motorcycle accidents). The Family Protect coverage includes daily hospital cash benefit, educational grants for children, cash assistance, fire assistance, and burial benefits.

How many children can be included under one Family Protect policy?

Family Protect covers a maximum of two (2) dependent children aged 5 to 21 years old.

Does Family Protect cover motorcycle accidents?

Yes. Family Protect includes a specialized Motorcycling Risk Medical Reimbursement extension to cover hospital bills and treatments resulting from motorcycle collisions provided the assured complies with the Land Transportation Office (LTO) regulation pertaining to use of motorcycles.

Contact Standard Insurance:

Customer Service Hotline: (+632) 8845-1111
Email Support: teamonline@standard-insurance.com
Nationwide Support: Visit any Standard Insurance branch nationwide.