Blog

HealthMax

Health card with up to P150,000 coverage for viral & bacterial illnesses and accidents. Product  Details Premium  P3,000 Coverage 1 year Max Quantity 1 active unit per insured Coverage Details

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ALL DAY CARE

For your 24/7 health teleconsultation needs and more! Product  Details Premium P2,500 Coverage 1 year Max Quantity Max 1 policy Coverage Details Age Range 7 years old to 70 years

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ProtectMax

For only P50, get up to P150,000 coverage for accidents, fire and illnesses Product  Details Premium P50 per policy Coverage 4 months per policy Max Quantity Max 5 policies Coverage

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TodaCare

TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members.

This insurance requires a minimum number of 10 enrollees aged 18 to 65 years old. Enrollees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.

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TanodCare

TanodCARE is a Group Personal Accident Microinsurance specially designed for barangay tanod officials and its members/personnel. This mico-insurance requires a minimum number of 30 enrollees aged 18 to 65 years old, enrollees above 65 years old will be accepted subject to 50% cover of the Sum Insured for all Benefits.

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Cebuana Lhuillier Health Care

CL Health Care is an Individual Personal Accident Insurance specifically designed for Cebuana Lhuillier clients.It covers Accidental Death and Disability (AD&D), Double Indemnity, 24/7 Call-a-doc, OP ER One Time use and Daily Hospital Income Benefit. CL Health Care is underwritten by Generali Life Assurance Philippines, Inc.

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Cebuana Lhuillier ER Care

Cebuana Lhuillier ERCare covers the medical expenses incurred within a year from the date of issuance or purchase by the InsuredPerson for the treatment of an eligible emergency condition, availment of which caneither be as an Out-Patient in the Emergency Room Department or as an In-Patient of aHospital via cash assistance.Cebuana Lhuillier ERCare is eligible for persons 15 days old to 65 years old. This is provided by Pacific Cross (Philippines) Insurance Inc.

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Our Help

Every individual gets microinsurance that covers accidental death or dismemberment and disability, unprovoked murder and assault, and other causes of death (except suicide). Donees will also receive cash assistance in case fire hits their home.

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Disaster Resilience

Cebuana Lhuillier’s annual Disaster Resilience Forum aims to continue the ongoing discussions on various multi-sectors’ initiatives and efforts in building disaster resilient communities. With the support of the Insurance Commission

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Happiest Pinoy

The Search for the Happiest Pinoy is a nationwide campaign of Cebuana Lhuillier that aims to promote the values of optimism, resilience, and positive impact in Filipinos amidst different life crises. Go

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Cebuana Lhuillier Sports

Cebuana Lhuillier’s sports advocacy began with its President and CEO Jean Henri Lhuillier’s desire to boost sports development and awareness in the country. A sports enthusiast since his youth, Jean

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Cebuana Lhuillier Foundation

In pursuit of the P.J. Lhuillier Group of Companies’ corporate value of social responsibility, Jean Henri D. Lhuillier, President and CEO of the P.J. Lhuillier Group of Companies (PJLGC), directed

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Where can I buy insurance?

Cebuana Lhuillier’s insurance is available via online, via our physical stores & via our retail partners. In-store All Cebuana Lhuillier branches nationwide All Cebuana Lhuillier Financial branches nationwide: Ayala Market

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Branches

Bacoor  Branch 160 Zapote Road, Zapote I, Bacoor City, Cavite (046) 417-3366(02) 8542-8272 Shoretel: (02) 7759-9888 loc. 2185Smart/TNT/Sun: 0908-968-4018Globe/ TM: 0977-467-0214 Jupiter Branch GF NCVI Bldg., 156 Jupiter St., Makati

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Advisory – Fees and Charges

Greetings, Ka-Cebuana Effective September 1, 2019, the following changes on Bank Fees & Charges will be implemented as described in this advisory. DEPOSIT RELATED FEES DESCRIPTION FROM TO PERSONAL CORPORATE

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Home Loan

Do you need financial assistance on the following? Maximum loan Up to 80% of the Total Contract Price or Appraised Value Loan Term Up to 3 years to pay Interest

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Auto Loan

Owning your dream car is now made easier! You can loan up to 70 percent of your car’s value. For a Php 400,000 vehicle, we can finance up to Php

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Employee Salary Loan

To provide maximum financial benefits for employees in need, this hassle-free loan application and loan payment type that is exclusively offered to all regular employees of the PJ Lhuillier Group

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Agricultural Loan

Specially designed for small-scale agricultural businesses, this loan offers financial support for farmers to increase their resources and expertise. It includes special terms and conditions suitable for small farmers.

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SME TERM Loan

For purpose of: Maximum loan Php 15,000,000 Loan Term Up to 5 years to pay Interest rate 7% per annum Payment Arrangement Post-Dated Check With Collateral

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Motorcycle Loan

Regular Minimum Down payment As low as 5% Interest Rate 2.50% add on/month Payment Term: Up to 36 months Payment Arrangement Auto-Debit via Cebuana Microsavings Medium Bike Minimum Down payment

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Cebuana Savings

this is an upgraded version of Microsavings which can exceed P50,000 savings. Requirements:1. Updated Customer Information Sheet2. Two (2) Valid Government IDs Interest per Annum 0.50% Minimum Maintaining Balance Php

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Regular Savings

Passbook-based savings account that let’s you monitor your growing money Requirements:1. Updated Customer Information Sheet2. Two (2) Valid Government IDs3. Proof of Billing Interest per Annum 0.50% Minimum Initial Deposit

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Checking Account

Secure payments via cheque with affordable peso checking account Requirements:1. Customer Information Sheet (CIS)2. Two (2) Valid Government IDs3. Proof of Billing Initial Deposits 5,000 Interest Rate(Per annum) Non- Interest

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Time Deposits

Earn Premium rates at your preferred maturity period Requirements:1. Customer Information Sheet (CIS)2. Two (2) Valid Government IDs3. Proof of Billing Amount 30-89 Days 90-364 Days 365 Days P10,000.00 –

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Five Year Time Deposit

Earn premium rates at your preferred maturity period Requirements:1. Customer Information Sheet (CIS)2. Two (2) Valid Government IDs3. Proof of Billing4. Placement should be 5 years + 1 day5. Net

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Special Savings Deposits

This is a term deposit savings account that offers premium rates with flexible maturity period. This kind of deposit comes with a passbook for ease of recordkeeping and monitoring of

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Member’s Guide

Domestic Remittance Sending using e-Money Cebuana Lhuillier Mobile ApplicationDomestic Remittance Sending using e-Money Reloading using e-Money SMSDomestic Remittance Sending using e-Money Text Message Syntax  CEBUANA<space>ESEND<space>BeneficiaryLastname/BeneficiaryFirstname/PrincipalAmount/PinCode Example CEBUANA ESEND Dela Cruz/Juan/2500/1234

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SecurityCARE

SecurityCARE is a Group Personal Accident Insurance specially designed for Security Guards and officers. It covers Unprovoked Murder & Assault (UMA), Accidental Death, Disablement & Dismemberment  (ADD&D), Accident Medical Reimbursement (AMR),

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Engineering Insurance

Engineering Insurance insures construction projects such as buildings, roads, bridges and other civil engineering projects against accidents resulting in loss or damage of works in progress, materials, construction equipment and machinery

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Retail Fire Insurance

Retail Fire Insurance provides loss protection to buildings including furniture, fixtures, and fittings against fire, lightning, and other allied perils like earthquake, typhoon, flood, etc.

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TanodCARE

TanodCARE is a Group Personal Accident Insurance specially designed for barangay tanod officials and its members/personnel. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder &

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TODACARE

TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder &

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StudentCARE

StudentCARE is a Group Personal Accident Insurance that protects students from various perils 24/7 worldwide. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Reimbursement (AMR), Unprovoked Murder & Assault

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CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)