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Microinsurance

Microinsurance is an affordable insurance product that minimum wage earner can surely afford! Not to mention, documentary requirements are also minimal and easy to comply with.

Cebuana Lhuillier’s Microinsurance help Filipinos avail of financial services that promise to minimize the impact of distress and misfortune should a disaster or unfavorable event occur. Cebuana Lhuillier offers more than 20 unique and tailor-fit insurance products for you! Other Insurance products includes vehicle insurance and property insurance.

INDIVIDUAL INSURANCE

Comprehensive Insurance: Sunog, Sakit, o Aksidente

Health Insurance

Accident Insurance

otherS

Paano Mag- Painsure?

Manatiling protektado, may masasandalan, at may maaasahang benepisyo sa mga hindi inaasahang pagkakataon.

Branch
ProtectNow
Cebuana Lhuillier Financial Partners
Partners

How to Buy

How to Claim

FAQs

Corporate Governance

Cebuana Financial Branches

Branch Name: CLF Robinsons Place Manila
Address: Cebuana Lhuillier Financial, Pedro Gil cor M Adriatico Street, Robinsons Place Manila, Ermita Manila 072
Business Hours: 10:00 AM – 8:30 PM
Contact Person: Rianne Sermo
Contact Number: 09153495901
Tel: 85257862

Branch Name: CLF Times Plaza
Address: Cebuana Lhuillier Financial, 8/F, Times Plaza Building, United Nations Avenue corner Taft Avenue, Ermita, Manila (under construction, target completion July 01, 2025)
Business Hours: 8:30 AM – 5:30 PM
Contact Person: Jenny Mae Moratalla
Contact Number: 09916635516

Branch Name: CLF Ali Mall
Address: Cebuana Lhuillier Financial, 2nd Level Ali Mall, 13th Avenue Corner P. Tuazon Boulevard, Barangay Socorro, District III, Quezon City
Business Hours: 10:00 AM – 8:30 PM
Contact Person: Rachelle Ann Comcom
Contact Number: 09380828513

Branch Name: CLF SM Seaside Cebu
Address: Cebuana Lhuillier Financial, Lower Ground Floor, City Wing, SM Seaside, SRP, Cebu City (office) / 3rd Floor, City Wing, SM Seaside (kiosk)
Business Hours: 10:00 AM – 9:00 PM
Contact Person: Julianne Azuro
Contact Number: 09912126795

Branch Name: CLF SM Bacolod
Address: CEBUANA LHUILLIER FINANCIAL, North Wing Expansion Bishop Antonio Y. Fortich Avenues SM Bacolod (office)/(CEBUANA LHUILLIER FINANCIAL KIOSK) SWK 160 SOUTH
Business Hours: 10:00 AM – 9:00 PM
Contact Person: Ariane Krizzette Sta. Ana
Contact Number: 09670949143

Branch Name: CLF Robinsons Galleria South
Address: Cebuana Lhuillier Financial, 3rd Level, Robinsons Galleria South, San Pedro, Laguna
Business Hours: 10:00 AM – 8:30 PM
Contact Person: Mere Jhoy Taguiam
Contact Number: 09670347805

Branch Name: CLF Robinsons Galleria
Address: Cebuana Lhuillier Financial, Lower Ground Floor Robinsons Galleria Ortigas Avenue cor Brgy Ugong Norte, Quezon City
Business Hours: 10:00 AM – 8:30 PM
Contact Person: Kristyl Alcaiz
Contact Number: 09086577099

Branch Name: CLF Market Market
Address: Cebuana Lhuillier Financial, Level 3, Market Market Ayala Malls, McKinley Pkwy, Taguig City
Business Hours: 10:00 AM – 8:30 PM
Contact Person: Jenalyn Pluma
Contact Number: 09062630745
Tel: (02) 853-55446

Branch Name: CLF Metropoint
Address: Cebuana Lhuillier Financial, Level 3, Metropoint Mall EDSA Pasay City
Business Hours: 10:00 AM – 9:00 PM
Contact Person: Rica Nagas
Contact Number: 09070859416

Partners

How to Buy Insurance

Cebuana Lhuillier’s Microinsurance 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.

Find a Branch

How to Claim Insurance

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.

FAQs

Who is Cebuana Lhuillier Insurance Brokers Inc?

Cebuana Lhuillier Insurance Brokers Inc is the insurance arm of Cebuana Lhuillier

Who can purchase insurance?

Anyone of legal age (18 years old and up) can purchase insurance

Who can be a policyholder?

This will depend on the terms and conditions of each policy type. Policyholders can be as young as 15-day old infants to up to 70 years old

What type of insurance are available?

Cebuana Lhuillier currently offers accident, vehicle, property, health, life & comprehensive insurances that are tailor-fit to the needs of every Filipino.

What is the right insurance for me?

This will depend on your current needs as well as your financial capability. Cebuana Lhuillier offers insurance products  for as low as P10 to ensure that every Filipino has access to  insurance protection and benefits

How much are your insurance products?
  1. Accident Insurance – as low as P10
  2. Vehicle Insurance – as low as P300.40
  3. Health Insurance – as low as P400
  4. Comprehensive Insurance – as low as P50
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 Market
  • Robinsons Galleria
  • Robinsons Manila
  • SM Manila
  • Ali Mall Cubao

  Online

How can I apply for an insurance?

Visit a Cebuana Lhuillier or Cebuana Lhuillier Financial branch. Click Here!

Or shop through our e-commerce marketplace shops or online portals:

Can I get insurance for someone other than me?

Visit a Cebuana Lhuillier branch along with the person you would like to insure.

Can I get multiple insurance products?

Yes, you can get multiple insurance products.

Whom can I designate as beneficiary?

A beneficiary refers to an individual specified in an insurance policy who is eligible to receive the benefits of the policy upon the approval of a claim for death. Immediate family members or, in certain instances, business partners are typically the most frequently designated beneficiaries.

How do I update my policy?

To update your policy, please send an email via [email protected]

How do I renew my insurance?

Depending on your insurance plan, you may visit a Cebuana Lhuillier, Cebuana Lhuillier Financial branch or via online.

How do I claim my insurance?

To claim your insurance, please send an email via [email protected]. 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.

Please note that some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization.

How long do I have to wait to claim my insurance?

Depending on the completeness of submitted documents, claiming may range between 1-10 days on a regular cases and 14 days or more on special cases.

Corporate Governance

 

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.)
FIND A CORPORATE AGENT PARTNER

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)
FIND A BILLER

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.)
FIND A BILLER

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)