Personal Accident

Stand-alone Personal Accident Insurance for Individuals and Groups
Done
Stand-alone Personal Accident Insurance for Individuals and Groups
Done
Affordable accident coverage for teams and students
Done
Coverage for medical expenses, disability, and recovery costs
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Benefit Highlights

Pacific Cross Personal Accident Insurance offers worldwide protection for individuals, employees, and students. It covers accidental death, disability, and medical expenses, easing financial strain during emergencies. Extra benefits like cash payouts for burns, fractures, and dismemberment provide added security. Whether for personal or group coverage, Pacific Cross ensures peace of mind when accidents happen.

Individual Accident Protection

Pacific Cross PA Insurance provides worldwide coverage for accidental injuries, offering financial security for medical costs, disability, and recovery. With benefits like medical reimbursement, dismemberment payouts, and cash benefits for burns and fractures, you can focus on healing without financial stress. No matter where you are, Pacific Cross ensures you're covered.

Group Accident Coverage

Protect employees or students with PA insurance designed for small and medium-sized businesses and academic institutions. This plan provides coverage for accidental death, disability, and medical emergencies, along with extra cash benefits for burns and fractures. Employers and schools can safeguard their people from financial hardship due to accidents.

Financial Safety from Accident

Accidents happen unexpectedly, but with Pacific Cross PA Insurance, you won’t have to worry about the financial impact. Coverage includes medical costs, hospitalization, and disability benefits, along with cash payouts for injuries. Stay financially protected wherever life takes you.

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Personal Accident

Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Accidental Death Benefit (ADB)*
PHP 300,000
PHP 500,000
PHP 1,500,000
PHP 3,000,000
PHP 5,000,000
Accidental Dismemberment with Permanent and Total Disability Benefit
% of ADB Sum Insured depending on the Injury
% of ADB Sum Insured depending on the Injury
% of ADB Sum Insured depending on the Injury
% of ADB Sum Insured depending on the Injury
% of ADB Sum Insured depending on the Injury
Accidental Burns Benefit
PHP 15,000
PHP 25,000
PHP 75,000
PHP 75,000
PHP 250,000
Accidental Medical Reimbursement Benefit
PHP 30,000
PHP 50,000
PHP 150,000
PHP 250,000
PHP 250,000
Broken/Fractured Bone Cash
PHP 7,500
PHP 12,500
PHP 37,500
PHP 75,000
PHP 125,000
Burial Expenses Reimbursement Benefit
PHP 30,000
PHP 50,000
PHP 150,000
PHP 250,000
PHP 250,000
Comatose Cash Benefit due to Accident
PHP 15,000
PHP 25,000
PHP 75,000
PHP 150,000
PHP 250,000
Common Carrier Accident Benefit
PHP 7,500
PHP 12,500
PHP 37,500
PHP 75,000
PHP 125,000
Daily Hospital Income Benefit due to Accident (per day)
PHP 1,000
PHP 1,000
PHP 1,000
PHP 2,000
PHP 2,000
Personal Liability Benefit
PHP 30,000
PHP 50,000
PHP 150,000
PHP 250,000
PHP 250,000
Emergency Assistance due to Accident
Emergency Medical Evacuation, Medical Repatriation, Return of Mortal Remains, Compassionate Benefit, and Care for Minor Child(ren)
Emergency Medical Evacuation, Medical Repatriation, Return of Mortal Remains, Compassionate Benefit, and Care for Minor Child(ren)
Emergency Medical Evacuation, Medical Repatriation, Return of Mortal Remains, Compassionate Benefit, and Care for Minor Child(ren)
Emergency Medical Evacuation, Medical Repatriation, Return of Mortal Remains, Compassionate Benefit, and Care for Minor Child(ren)
Emergency Medical Evacuation, Medical Repatriation, Return of Mortal Remains, Compassionate Benefit, and Care for Minor Child(ren)
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Frequently Asked Questions
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How can I get a Pacific Cross Medical Insurance Plan?
Fill out the Contact Form on our website (Click Contact us above), or e-mail us at info@pacificcross.com.ph. Our Account Executives will be more than happy to answer your questions or give you a free presentation online or in person, whichever you prefer.
How do I pay for my Pacific Cross Medical Plan’s Premium/Membership Fee?
Pacific Cross offers you several convenient ways to pay your premium: You can pay in cash or credit, via our website (Click Buy/Pay Medical), online banking or over-the-counter payments, either annually or semi-annually.
How can I get a Pacific Cross Travel Insurance Plan?
You can get a quote, and eventually buy our Travelsafe Insurance online through our website (Click Buy Travel Plans). Premiums will vary depending on certain factors such as your itinerary and the specific plan selected among others.
Do your Medical and Travel Plans provide coverage for COVID-19?
Pacific Cross Medical Plans provide reimbursement for COVID-19 vaccine acquisition and administration availed of overseas or within the Philippines, while Pacific Cross Travel Plans provide coverage for COVID-19 In-Patient Care. 

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Do I need to undergo a physical examination before I can get a Pacific Cross Insurance Plan?
No. Applicants normally do not need to undergo a physical exam. All you have to do is answer the application form and medical questionnaire as truthfully as possible. Failure to answer the questions in the declaration in full, concealment, or misrepresentation of any significant condition will affect your Policy/Agreement and the payment of your claims.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What is a Pre-Existing Condition?
A Pre-Existing Condition is any disability which existed before the commencement of cover as it presented signs or symptomswhich you were aware or should reasonably have been aware of. Pre-Existing Conditions are also those that are knownto you because you have felt its signs and symptoms regardless if this prompted you to seek for treatment, medication,advice, or diagnosis. When you answer our Medical Questionnaire, please ensure that you tell us about all your medicalconditions and symptoms happening at any time in the past and/or present, known and/or suspected, whether or nottreatment or professional advice was sought. Based on your provided details and submitted medical reports, declaredpre-existing conditions may be covered immediately subject to the Company’s underwriting guidelines.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What are Exclusions?
Exclusions are certain conditions that are permanently excluded from being covered. For full details, please refer to your Policy/Agreement.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Can I avail of 24/7 Telemedicine Consults?
Yes. Pacific Cross, together withour Telehealth Provider, allow you to have access to licensed doctors through your mobile phone, no appointment needed. This partnership provides you with immediate and easier healthcare access, especially amidst today's difficult times when obtaining quality medical care can be a challenge. As needed, our telehealth partner may provide important medical documents (e.g., e-prescriptions, e-laboratory requests, e-medical certificates).You can also get in touch with our telehealth partner for mental health first-aid support.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.

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