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Showing posts with label ofw insurance. Show all posts
Showing posts with label ofw insurance. Show all posts

Monday, May 04, 2020

Pres. Duterte Inatasan ang Philhealth: Gawing Boluntaryo ang Pagbabayad ng mga OFW

Sa ulat ni Presidential Spokesperson Harry Roque galing sa Malacanang sa press briefing ngayong araw. Nag-isyu na ng direktiba si Pangulong Duterte sa Philhealth na gawing boluntaryo lamang ang pagbabayad ng mga OFW ng Philhealth premium. Ibig sabihin hindi ito magiging mandatory o sapilitan.
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Nagpalabas na rin ng announcement si DOH Secretary Francisco Duque III na sinususpende niya ang 
provision sa batas na Universal Health Care (UHC) na magpapataw ng dagdag na bayarin sa premium ng mga Overseas Filipino Workers. Ayon pa sa tweet ni Sec Duque:

"I call for the suspension of Section 10.2.C of the IRR (Implementing Rules and Regulations) of the UHC law in light of COVID-19 and its economic impact on OFWs."
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Here is the tweet of Health Secretary Duque regarding the suspension of Philhealth insurance premium payment of the OFWs
Ayun pa kay Spokesperson Roque:

Inanunsyo na rin po ng POEA at OWWA na hindi na irerequire ang pagbabayad ng Philhealth bago maisyuhan ng kaukulang papeles o OEC bago makalabas ng bansa. 

"Bilang isa sa pangunahing nagsulong ng Universal Healthcare Law sa 17th Congress, lilinawin ko lang po.Wala po sa batas na nagsasabi na dapat patawan ang mga OFWs ng karagdagang premiums sa pamamaraan na nais ipatupad ng Philhealth. Yan po ay nasa implementing rules and regulations para lang po sa kaalaman ng lahat."



READ:
OFW, Are you Ready to Pay Philhealth P21,600 Yearly If Your Monthly Salary is P60K Above? Narito ang mga tanong at sagot hinggil sa Philhealth OFW Premium payment.

More Details Here: THOUGHTSKOTO https://www.jbsolis.com/2020/05/ofw-philhealth-premium.html



©2020 THOUGHTSKOTO

Sunday, May 03, 2020

OFW, Handa ka na Bang Magbayad sa Philhealth ng P7,200 to P21,600 Yearly?

'Bakit ginagatasan?': OFWs pumalag sa dagdag-kontribusyon ng PhilHealth video from TV Patrol


Senator Bong Go Statement Regarding Philhealth Premium for OFWs

RE: Complaint of Some OFWs Regarding Their Increased PhilHealth Premium Contributions
Naiintindihan ko ang mga kasalukuyang hinaing ng ating mga OFWs hinggil sa mas mataas na bayarin nila sa kanilang PhilHealth contributions.
Nais ko lang po klaruhin para sa kaalaman ng lahat na ang pagtaas sa PhilHealth contributions ay naaayon sa Universal Health Care Law na naisabatas noon pang nakaraang 17th Congress. Layunin ng batas na ito ang mas lalong mapabuti at mapalawak ang mga benepisyo at iba pang programang pangkalusugan para sa kapakanan ng lahat ng mga Pilipino – kasama na diyan ang OFWs abroad at ang kanilang mga pamilya o dependents na nandito sa Pilipinas.
Sa katunayan nga, sinabi ng PhilHealth na sa nakaraang taon, mas malaki pa ang amount of benefits claimed by OFWs and their dependents kumpara sa premiums paid ng mga ito. Kung baga, sa normal na sitwasyon, sulit na investment po ito para sa kalusugan ng ating pamilya.
Subalit kailangan rin natin intindihin ang kakaibang sitwasyon ngayon dahil sa patuloy na paglaganap ng sakit na COVID-19 sa buong mundo at pagka-paralisa ng ating mga kabuhayan. Dahil dito, umaapela po ako on behalf of our OFWs.
Una, mapag-aralan dapat ng PhilHealth kung maaaring i-delay muna ang pagbabayad sa premium contributions o kung maaari ay i-delay ang pagtaas sa bayaring ito. Suriin dapat ang lahat ng pwedeng magawa upang hindi ito maging pabigat lalo na sa kasalukuyang sitwasyon ng karamihan ng ating mga OFWs.
Karamihan po ng mga OFWs natin, umaasa pa ng dagdag na tulong mula sa gobyerno bukod sa ipinamahagi na ng DOLE na 10,000php one-time financial assistance sa mga nawalan ng trabaho o naapektuhan ang kanilang kabuhayan sa ibang bansa. Hindi naman po tama na sa panahong umaasa sila sa dagdag na tulong mula sa gobyerno, kaya pa natin sila sisingilin ng dagdag na kontribusyon.
Ang hinihingi ko lamang ay mabigyan natin ng kinakailangang ‘palugit’ ang mga OFWs sa kabila ng pinapasan nilang hirap ngayon. Lahat ng palugit na pwede natin maibigay sa panahon ng krisis, ibigay na po natin. Sabi nga nila, “in times of crisis, every single peso saved counts”.
Balansehin lang natin ito para hindi rin naman mailagay sa alanganin ang kabuuang pondong pangkalusugan na makakatulong sa mas maraming Pilipino lalo na ngayon na nasa health crisis pa tayo.
Pangalawa, umaapela rin ako sa PhilHealth na i-amyenda ang kanilang Circular kung saan kasali pa ang “Overseas Filipinos in Distress” sa dapat magbayad ng kontribusyon. Kung pu-pwede ay huwag na isama yung repatriated OFWs at yung mga lubos na apektado ng krisis sa sisingilin pa ng gobyerno sa panahong sila ang nangangailangan ng tulong mula sa atin.
Pangatlo, umaapela din ako sa PhilHealth na mas lalong pagbutihin pa ang inyong pagbibigay ng mga sapat na impormasyon upang mas maintindihan ng lahat ng mga Pilipino kung saan napupunta ang mga kontribusyon nila.
Ipaliwanag natin ng maayos ang lahat ng mga benepisyo ng pagiging miyembro ng PhilHealth. I-kumpara ang kabuuang halaga ng binabayaran na premiums sa kabuuang halaga ng lahat ng benepisyong nakukuha nila at ng kanilang pamilya. At i-identify kung ano ang mga idinagdag na mga benepisyo dahil sa pagtaas ng bayarin sa PhilHealth.
Sa bawat pisong lumalabas sa bulsa ng ating mga kababayan, dapat alam nila kung anu-anong mga benepisyo ang naibibigay naman sa kanila ng gobyerno.
Bilang Chair ng Senate Committee on Health, layunin nating mas lalong mapagbuti ang lahat ng mga programa at serbisyong medikal. Pero sa panahon ng krisis, ang kapakanan ng lahat ng mga Pilipino, lalo na yung mga lubos na nangangailangan ng tulong, ang aking pangunahing prayoridad.
Kailangan nating mas lalong magtulungan at magbayanihan para mapagaan ang pinapasan ng kapwa nating Pilipino at malampasan ang krisis na ito bilang isang nagkakaisang bansa.
- Kuya Bong Go


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DFA Secretary Teddy Boy Locsin said this about OFWs and paying Philhealth premium:

"After the abolition of the income tax on OFWs they've figured another way to tax you for the great privilege of being born Filipino, poor and jobless at home. Let's all sing for nothing. "

"It is like an income tax which was abolished for OFWs and even their tax-free income filings were destroyed. They are just totally out of the purview of government exactions for which they will not benefit at all."

"Why don't we just leave OFWs alone except to help them when they are in trouble. Their blood but better wages abroad account for 10% of our GDP according to the assholes who want to take some of their earnings."

It is like an income tax which was abolished for OFWs and even their tax-free income filings were destroyed. They are just totally out of the purview of government exactions for which they will not benefit at all. https://t.co/NrNYGsUMt1


OFW, Are you Ready to Pay Philhealth P21,600 Yearly If Your Monthly Salary is P60K Above? Narito ang mga tanong at sagot hinggil sa Philhealth OFW Premium payment.
Tanong: Ano ang dahilan ng pagtaas ng babayaran ng mga OFW sa Philhealth?
Sagot: Ang UNIVERSAL HEALTH CARE ACT (REPUBLIC ACT NO. 11223) na nilagdaan ni Pangulong Rodrigo Duterte noong 2019 at tuluyang nasimulan noong last quarter ng 2019. Watch the videos of the news below dated October 2019 

Tanong: Ano ang premium rate sa bawat taon? 

Sagot: Ayon sa UHC Law, ang sumusunod ay ang mga panuntunan sa premium rates:
Tanong: Paano ang pagkwenta ng kontribusyon ng isang Overseas Filipino? 

Sagot: Nakabase sa monthly salary o buwanang sahod ng isang OFW ang kanyang kontribusyon at sa kasalukuyang premium rate. Halimbawa: Kung ang buwanang sahod/kita sa taong ito, 2020 ay P20,000, sa 3% ikaw ay magbabayad ng P600 kada buwan o P7,200 kada taon 
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Narito ang table ng kontribusyon na babayaran ng OFW sa taong 2020 lamang ayun sa Philhealth. Nagbabago at tumataas ito sa mga susunod na taon dahil yan ang naaprubahan na batas.
Narito ang table ng kontribusyon na babayaran ng OFW sa taong 2020 lamang. Nagbabago at tataas pa ito sa mga susunod dahil yan ang naaprubahan na batas.

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Tataas ang binabayarang premium sa PhilHealth ng mga land-based OFW. Magiging salary-based na kasi ito o depende sa kanilang suweldo. Pangamba ng isang grupo dahil lalaki ang bayarin ng mga OFW, baka mapilitan silang kumapit sa illegal recruiters.
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Tanong: Sino-sino ang sakop ng circular na ito? 

Sagot: Lahat ng Overseas Filipinos na naninirahan o nagtatrabaho sa ibang bansa kasama na ang mga nakabakasyon o ang naghihintay ng dokumentasyon, nakarehistro o hindi rehistrado sa National Health Insurance Program (NHIP).

Tanong: Sinu-sino ang mga Overseas Filipinos (OFs)? 


Sagot: Ang mga sumusunod ay mga Overseas Filipinos (OFs), kasama na ang kanilang mga dependents: 


1. Land-based OFWs 
2. Seafarers and other sea-based workers 
3. Filipinos with dual citizenship (RA 9225) 
4. Filipinos living abroad 
5. Overseas Filipinos in distress 
6. Other overseas Filipinos not previously classified elsewhere

Tanong: Ano ang Transition Period? 

Sagot: Ang taong 2020 ay itinuturing na transition period. Sa panahong ito, pinapayagan ang isang landbased OFW na magbayad ng Php 2,400 bilang paunang bayad (initial payment). Ang balanse sa taunang premium ay maaaring bayaran sa loob ng labingdalawang (12) buwan. 
Halimbawa:
philhealth ofw contribution transition period

Tanong: Ano ang mangyayari pagkatapos ng transition period? 

Sagot: Simula sa taong 2021, ang pinakamababang paunang kontribusyon ay katumbas ng tatlong (3) buwang premium. Maaari pa ring bayaran ng miyembro ang balanse kada tatlong (3) buwan o sa isang hulugan. 
Halimbawa:
philhealth ofw contribution after transition period
Tanong: Paano kung hindi nabayaran ng miyembro ang kaukulang premium sa takdang oras? 

Sagot: Ang isang miyembrong hindi nakapagbayad sa takdang oras ay kinakailangang bayaran ang premium na hindi nabayaran at ang kaakibat na interes (compounded monthly). 

Tanong: Ano-ano ang iba't ibang dokumentong dapat ipakita bilang patunay na kinikita? 

Sagot: Maaaring ipakita ang alinman sa mga sumusunod bilang patunay ng sahod/kita*: 


1. Land-based OFWs 
a. Employment Contract; 
b. Overseas Employment Certificate (OEC); 
c. Overseas Employment Offer Letter; 
d. Certificate of Employment with Income; 
e. Payslip (current); 
f. iba pang dokumentong maaaring tanggapin ng PhilHealth. 

2. Seafarers and other sea-based workers (on-vacation or separated) Certification mula sa Manning Agency 
3. Filipinos with Dual Citizenship and other Filipinos living abroad 
a. Income-tax return; 
b. duly-notarized affidavit of income declaration; 
c. iba pang dokumentong maaaring tanggapin ng PhilHealth 

*isasailalim sa pagsusuri ng PhilHealth

Tanong: Ano ang Statement of Premium Account? 

Sagot: Ang Statement of Premium Account o SPA ay isang papel kung saan nakasaad ang kinakailangang mabayarang kontribusyon ng isang miyembro kasama na ang naaangkop na interes.

Tanong: Ano ang panuntunan sa pagbabayad (Payment Terms)? 
Sagot: Para sa land-based OFWs, ang pagbabayad ay maaaring gawin tuwing ika- tatlong (3) buwan, ika-anim (6) na buwan o ika-labingdalawang (12) buwan. Para sa sea-based OFWs, ang pagbabayad ng premium ay buwan-buwan sa pamamagitan ng pagbabawas sa kanilang suweldo ng Manning Agencies/Employers.


Tanong: Ano ang settlement period? 

Sagot: Ang settlement period ay ang panahon mula sa araw ng paunang bayad (initial payment) hanggang sa huling araw bago patawan ng interes. Para sa land-based OFWs, ito ay labingdalawang (12) buwan mula sa araw ng paunang bayad. Hindi ito naaangkop sa sea-based OFWs.
Tanong: Anong mangyayari sa binabayad o hinuhulog mo bawat taon sa Philhealth?
Sagot: Wala. Kada taon, nawawala ang insurance mo sa Philhealth. Kapag hindi ka nagbayad ngayong taon, wala kang coverage kasama ang iyong mga dependents.

Samantala ito naman ang paglilinaw ng POEA regarding dito: Hindi pa nirerequire ng POEA ang isang OFW na dapat magbayad ng Philhealth bago mabigyan ng OEC.


Narito ang buong PhilHealth Circular No. 2020-0014 entitled " Premium Contribution and Collection of Payment of Overseas Filipino Member" 


SIGN THE ONLINE PETITION HERE

MY TAKE ON THE ISSUE:

Mas madami pa akong tanong na naghahanap ng kasagutan. Unang una, napakalaking halaga ng P7,200 na babayaran mo kung ikaw ay kasambahay at sumasahod bawat buwan ng 400$ o P20,000. Uulitin ko ito ay naisabatas na so kailangan nating sundin, dahil ang makakapigil lamang nito ay ang Korte Suprema o kailangang maiamend ang batas. Salamat at hindi pa ito nirerequire sa mga OFW bago makakuha ng OEC, pero posibleng irequire na bayaran ang P2,400 na buo bilang initial payment. Pero kagaya ng sagot sa tanong sa itaas, nasa transition period this year. Initial muna ang babayaran, P2,400 pero may utang ka na babayaran at kapag hindi mo nababayaran, may interes. Pagkatapos ng 2020, sa susunod na taon tataas pa lalo ang babayaran ng mga OFW. Kung hindi tumaas ang sahod mo ng P20K bilang kasambahay, ang babayaran mo na ay P8,400 kada taon. Seryoso? Ang ibang OFW nga halos walang naiipon o minsan hindi talaga nakakapagipon tapos pababayarin pa sila ng ganyan kalaking halaga. Mas mabuti pang sa SSS o sa PAG-IBIG FUND nila ilalagay ang perang iyan dahil bumabalik at babalik pa sa kanila na may interes.

SOME MORE QUESTIONS:


Bakit kailangang magbayad ng OFW ng PHILHEALTH kung may sarili silang healthcare sa kanilang mga bansa na tinatrabahuan? Libre sa abroad, wala silang binabayaran at karamihan mas maganda at maayos pa ang benepisyo?


Kailangan pa bang magbayad talaga kung ang isang OFW na may pamilya sa Pilipinas ay may asawa na nagtratrabaho din sa Pilipinas at nagbabayad din ng Philhealth Premium at ang dependents ay pamilya at mga anak?


Nakalagay ang mga OF raw ay kasama ang mga 

1. Land-based OFWs 
2. Seafarers and other sea-based workers 
3. Filipinos with dual citizenship (RA 9225) 
4. Filipinos living abroad 
5. Overseas Filipinos in distress 
6. Other overseas Filipinos not previously classified elsewhere

Sila bang lahat ay magbabayad ng Philhealth premium? Seryoso, distress OFWs? Filipinos with dual citizenship? Anyone, basta Filipino living abroad? Kailangan maclarify at maiklaro ng Philhealth ang Philhealth Circular 2020-14 na ito.

Pwede bang ang pamilya ng OFW ay magbayad na lang ng Dependents/Voluntary Membership Premium na nasa P3,600 to P6,000 yearly sa minimum na P10,000 monthly salary computation?


Natatakot ako na maaring sa implementing rules and regulations ay mailagay na ang POEA ang isa sa mga tutulong para makapagbayad ang mga OFWs, at dahilan kung bakit hihingan ng payslip or patunay ang mga OFW kung magkano ang sahod nila dahil kapag di sila nagbayad ng isang buong taon na bayaran ay masisingil o mahahabol sila dahilan para hindi mabigyan ng OEC o makabalik sa bansang pinapasukan o maaring hindi na muna uuwi si OFW para maiwasang magbayad ng malaking halaga sa Philhealth. Imagine kung ang sahod ni OFW ay P60,000 kada buwan o $1200 o SAR4,500 magbabayad siya ng P21,600 ngayong taong 2020 sa PHILHEALTH . Iilang OFW ay mabilis nakakaipon ng P21K?

Imagine kung magiging mandatory ito at nawawala kada taon, ang babayaran ng isang OFW na sumasahod ng P20,000 kada buwan ay P60,000, kapag nilagay mo yan sa SSS Flexifund or sa Pag-Ibig MP2 Savings program, within 5 years meron kang 5% to 8% na interest yearly ng iyong pera. 


5% ng P60,000 yearly = P75,000

8% ng P60,000 yearly = P84,000

pero sa Philhealth, literally na hindi ka makikinabang, nawawala pa bawat taon ang perang binabayad ng mga OFWs. 


Read the Implementing Rules and Regulations of the Universal Healthcare Act here
Read the Republic Act 11223 or the Universal Health Care Act here

©2020 THOUGHTSKOTO

Saturday, March 25, 2017

Part 2: Do you Know the Coverage and Benefits of Agency Hired OFWs?

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.


1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?
The benefits of the Agency-Hired OFW Compulsory Insurance are as follows:
      
a)Accidental Death Benefit-        USD 15,000.00 

b)Natural Death Benefit-             USD 10,000.0

c)Permanent Total Disablement Benefit  USD 7,500.00

d)Repatriation Cost Benefit         Actual cost

e)Subsistence Allowance Benefit;   USD100.00 per  month for a maximum of six (6) months 

f)Money Claims Benefit;             Three (3) months for every year of employment bcontract with a maximum of USD 1,000.00 per month

g)Compassionate Visit Benefit       Actual cost

h)Medical Evacuation Benefit       Actual cost

i)Medical Repatriation Benefit.     Actual cost
 
                       

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.                2.What is the Accidental Death Benefit?
When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them.
Examples of deaths due to accidents are car accidents and work-related accidents in the factory and in theconstruction site.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.


3. What is the Natural Death Benefit?
When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them.







1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.

4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance?


Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.


1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
 5. What is the Total Permanent Disablement Benefit?

When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her.
The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:
 

a)  Permanent damage to both eyes.
b)  Permanent damage to both hands (i.e. paralyzed or cut at or above
         the wrists;
    c) Permanent damage to both feet (i.e. paralyzed or cut at or above the
        ankles) and
    d)  Permanent damage to the head (comatose or insanity).

The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
6. If an insured OFW lost one limb (arm or foot) or an eye, is there a partial payment for the disability?
None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
7. What is the Repatriation Cost Benefit?
In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance. 
The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to the Philippines.
The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death. 
In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).
.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.

8. What are the valid reasons for claiming the Repatriation Cost Benefit ?
The Repatriation Cost Benefit can be claimed when any
of the following happens:

  a) Illegal termination by the insured OFW’s employer–  termination of work contract without valid reason
b) Non-payment of salary
c) Maltreatment;
d) Overworked
e) Poor living conditions (e.g. no running water in living  
   quarter, no proper bed, etc.
f) Poor working conditions (e.g. non-payment of agreed 
   bonus, no break-time during work hours, etc.); and
g) Medical reasons
Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.

9. What is the Subsistence Allowance Benefit?

When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
10. What is the Money Claims Benefit?
Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor
Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money.
Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.
1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.


11. What is the Compassionate Visit Benefit? 

When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual.
The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW.
The family member or the requested individual shall secure the required visa and other travel documents on his/her own.

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
12. What is the Medical Evacuation Benefit?

When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision.
In practice, the insurance company’s service provider performs the medical evacuation.

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.
13. What is the Medical Repatriation Benefit?
When an insured OFW will no longer able to perform work
due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.

1.What are the benefits and coverages of the Agency-Hired OFW Compulsory Insurance?  The benefits of the Agency-Hired OFW Compulsory Insurance are as follows: a)Accidental Death Benefit-                       USD 15,000.00    b)Natural Death Benefit-                             USD 10,000.0  c)Permanent Total Disablement Benefit   USD 7,500.00  d)Repatriation Cost Benefit                        Actual cost  e)Subsistence Allowance Benefit;       USD100.00 per month for a maximum of six (6) months                                                                               f)Money Claims Benefit;             Three (3) months for                                                        every year of employment                                              contract with a maximum  of USD 1,000.00 per month  g)Compassionate Visit Bene                     Actual cost  h)Medical Evacuation Benefit                   Actual cost  i)Medical Repatriation Benefit.                  Actual cost   2. What is the Accidental Death Benefit?  When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from an accident,   USD 15,000.00 will be paid to his/her listed beneficiaries.If there are more than one listed beneficiaries, the payment will be divided equally among them. Examples of deaths due to accidents are car accidents and  work-related accidents in the factory and in the construction site. 3. What is the Natural Death Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insurance dies from causes aside from accidents,USD 10,000.00 will be paid to his/her listed beneficiaries. If there are more than one listed beneficiaries, the payment will be divided equally among them. 4. Is suicide covered by the Agency- Hired OFW Compulsory Insurance? Yes. The coverage starts at the enforcement of the insurance coverage. The usual 2-year contestability period in insurance contracts is not applicable for the Agency-Hired OFW Compulsory Insurance.  5. What is the Total Permanent Disablement Benefit? When an insured OFW covered by the Agency-Hired OFW Compulsory Insuranceis totally and permanently disabled,USD 7,500.00 will be paid to him/her. The Total Permanent Disablement Benefit can be claimed if any of the following  wil happen:  a)  Permanent damage to both eyes. b)  Permanent damage to both hands (i.e. paralyzed or cut at or above          the wrists;  c) Permanent damage to both feet (i.e. paralyzed or cut at or above the  ankles) and  d)  Permanent damage to the head (comatose or insanity).   The permanent disablement should be due to an accident or any health-related cause or sickness suffered during the insured’s employment.  6. If an insured OFW lost one limb (arm or foot) or an eye, Is there a partial payment for the disability? None. The Agency-Hired OFW Compulsory Insurance only covers permanent and total damage to both arms, feet, and eyes.  7. What is the Repatriation Cost Benefit? In case the insured OFW was terminated by his/her employer without any valid cause, or the employee resigns with valid cause, the actual cost of transportation (air fare only) is covered by the Agency-Hired OFW Compulsory Insurance.    The proceeds of this benefit go directly to the agency to reimburse the cost of one-way plane ticket back to  the Philippines. The Repatriation Cost Benefit also covers the cost of personal belongings of the insured OFW in case of death.   In case of the insured OFW’s death, the insurance company shall render assistance in the transport of the remains and belongings through the use of their service providers (American Assist or SOS).  8. What are the valid reasons for claiming the Repatriation Cost Benefit ? The Repatriation Cost Benefit can be claimed when any of the following happens:   a) Illegal termination by the insured OFW’s employer–   termination of work contract without valid reason b) Non-payment of salary c) Maltreatment; d) Overworked e) Poor living conditions (e.g. no running water in living      quarter, no proper bed, etc. f) Poor working conditions (e.g. non-payment of agreed     bonus, no break-time during work hours, etc.); and g) Medical reasons Homesickness, loneliness, laziness, personal problems, criminal offenses and violation of Employer rules are not valid reasons and are not covered by the Repatriation Cost Benefit.  9. What is the Subsistence Allowance Benefit?  When an insured files a case against his/her employer at the Philippine Overseas Labor Office (POLO), the OFW is entitled to subsistence allowance of USD 100.00per month, for a maximum of six (6) months, will be given to the OFW to defray his/her living expenses.  10. What is the Money Claims Benefit? Money Claims Benefit is the settlement money or adjudged amount for the remaining months/years of employment contract from a case filed by an OFW against his/her recruitment agency with the National Labor Relations Commission (NLRC). Should the NLRC renders judgment in favor of the OFW, the recruitment/manning agency will settle the money. Within thirty (30) days, the recruitment/manning agency, must give the settlement or amount adjudged to the OFW.  11. What is the Compassionate Visit Benefit?    When an insured OFW is hospitalized and confined or to be confined for at least seven (7) consecutive days he/she shall be entitled to a compassionate visit by one (1) family member or a requested individual. The insurance company shall cover the actual cost of transportation (2-way airfare) of a family member or the requested individual to the major airport closest to the place of hospitalization of the insured OFW. The family member or the requested individual shall secure the required visa and other travel documents on his/her own.   12. What is the Medical Evacuation Benefit?  When an insured OFW’s medical needs cannot be provided for by the nearest medical facility, evacuation in any mode of transportation necessary shall be covered by the insurance company. This requires prior approval of the insurance company’s physician or consulting physician. The medical evacuation shall be under appropriate medical supervision. In practice, the insurance company’s service provider performs the medical evacuation.   13. What is the Medical Repatriation Benefit? When an insured OFW will no longer able to perform work due to a medical condition, repatriation under medical supervision shall be covered by the insurance company. This requires prior approval of the insurance company’s physician and consulting physician.   14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.

14. The Return of the Mortal Remains Benefit is embedded in the repatriation cost benefit. Refer to question #7 What is the Repatriation Cost Benefit? for further details.


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