Category: Microinsurance
General Exclusions
- Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane.
- Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
- Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision.
- Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form.
- War, invasion, act of foreign enemy, hostilities or warlike operation (whatever war declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part.
- Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause Illness and/or disablement and/or death.
- Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft.
- Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying , sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk.
- Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual.
- Any violation or attempted violation of the law or resistance to arrest by the Insured Individual.
- Cosmic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident.
- Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist and Window Cleaner.
- Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
- Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm or whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Partners
Cebuana Lhuillier Financial Branch
Branch Name : CLF Robinsons Galleria
Address: L/GF Robinsons Galleria Ortigas Ave. Ugong Norte, Quezon City
Contact No: 0993-517-0245 / 84511446
Business Hours : 10:00am – 8:00pm
Branch Name: CLF SM Manila
Address: 4th floor, SM Manila, Ermita Manila.
Contact Number: 0947-712-5699 / 85257862
Business Hours: 10:00am – 8:00pm
Branch Name : CLF Market Market
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446M
Business Hours : 10:00am – 8:00pm
Address: L/GF Robinsons Galleria Ortigas Ave. Ugong Norte, Quezon City
Contact No: 0993-517-0245 / 84511446
Business Hours : 10:00am – 8:00pm
Branch Name: CLF SM Manila
Address: 4th floor, SM Manila, Ermita Manila.
Contact Number: 0947-712-5699 / 85257862
Business Hours: 10:00am – 8:00pm
Branch Name : CLF Market Market
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446M
Business Hours : 10:00am – 8:00pm
Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name:CLF Robinsons Manila
Address: Level 1 Adriatico St. Robinsons Manila, Ermita, Manila
Contact No: 0997-602-5477 / 85257862
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name: CLF Alimall
Address: Level 2, Alimall 2 13th Avenue Corner P. Tuazon Blvd. Socorro
Contact No: 0981-797-1955
Business Hours: 10:00am – 7:00pm
Branch Name:CLF Robinsons Manila
Address: Level 1 Adriatico St. Robinsons Manila, Ermita, Manila
Contact No: 0997-602-5477 / 85257862
Branch Name: CLF Market Market
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446
Business Hours: 10:00am – 8:00pm
Address: Level 3, Market Market, McKinley Pkwy, Taguig, Metro Manila
Contact No: 0929-589-2823 / 85355446
Business Hours: 10:00am – 8:00pm
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How to Buy
Cebuana Lhuillier’s insurance is available via online, our physical stores & our retail partners. You can visit one of our physical branches on online branches to purchase your insurance. Click on the store list above to choose an online store or find a branch near you.
How to claim
To claim your insurance, please send an email via [email protected] or [email protected]. You may also call us at 0968-856-5459.
Written notice of incident on which claim may be based must be given to Cebuana Lhuillier Insurance Brokers within thirty (30) days after the date of the accident causing such disablement/dismemberment.
Once approved, claim your benefit at any Cebuana Lhuillier branch nationwide.
Some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization, so no reimbursement will be required.
For non-declaration of insurance beneficiaries, the rule under the Philippine Insurance Code will prevail.
NOTE: Only claims below P50, 000 are payable in cash. Claims above P50, 000 shall be through check payment.