67% of Filipino respondents worry about severe weather changes
62% know someone harmed by weather effects
7.8 million people affected by Typhoon Odette in 2021
The Philippines experiences an average of 20 storms/year
67% of Filipino respondents worry about severe weather changes
62% know someone harmed by weather effects
7.8 million people affected by Typhoon Odette in 2021
The Philippines experiences an average of 20 storms/year
I. Benefits
A. Description of Benefits
1. Cash Assistance for Property Damage
Get protection against Fire & Lightning plus Allied  Perils (building improvement, furniture, fixtures and fittings, equipment & stocks). You can maintain the structure of your business and its contents with protection from earthquakes, floods caused by natural causes, and typhoons.

This cash assistance does not cover any loss or damage:
                    • On residential structures and their contents, unless these are used in a commercial enterprise
                    • Claims due to Arson
                    • Flooding caused by man-made or mechanical events
                    • Fraudulent claims or those involving any false declaration
                    • Loss, destruction, damage, or legal liability, directly or indirectly caused by nuclear weapons material
                    • Establishments that are less than 50 meters away from a body of water 
                    • Establishments that are not made of Class A materials (made of concrete  walls and iron/steel/concrete roof)
                    • Establishments in public markets with no sprinkler system

2. Personal Accident (PA)
                • Covers death, disablement, or bodily injury to the insured caused by violent, accidental, or external and visible causes/forces. The injury should not be caused by anything else except the accident.
                • PA coverage shall be given even if the cash assistance benefit has been exhausted.
                • The maximum benefit in one policy year should not exceed the maximum sum insured. In case of another disablement or accidental death after a portion of the disablement benefits have been paid, death benefits to be paid out will be based on the remaining balance.

Table of Permanent Disablement Benefits

Description of Loss  Percentage of Accident Benefit
Loss of both hands or both feet  100%
Loss of any two limbs  100%
Total loss of sight of both eyes  100%
Loss of hearing in both ears  50%
Loss of one hand/feet/ limb or sight of one eye  50%

The PA benefit will not be paid in case of accidental death or disablement caused by : Suicide or self-inflicted injuries
              • Active war, active terrorism or riots
              • Illegal or criminal acts committed by the insured punishable under the Revised Penal Code,  as amended, (Act No. 3815) or special penal laws.

PA cover terminates when the insured turns 66 years old.

3. Burglary & Robbery
Coverage for Burglary and Robbery is terminated once the cash assistance for property damage has been exhausted. Cash/Monies/Money losses are not covered by this benefit.

3.1 In case of robbery, the insured shall be entitled to the actual amount of loss, up to the maximum amount of benefit, provided that the loss or damage must be within the insured property. The loss must be a direct result of robbery which is defined as an actual theft or an attempt with:
3.1.1) actual forcible and violent entry into or exit from the insured
property; or
3.1.2) an assault or violence to any person or threat thereof.
3.2 In case of burglary, the insured will be entitled to the actual amount of loss, up to the maximum amount of benefit provided the loss or damage must be within the insured property.

4. 24/7 Emergency Assistance in key cities nationwide
Provides access to a hotline for the following services:
• Ground and Air Ambulance assistance
• Roadside assistance – towing, crane, and minor onsite repair services (change of flat tires, battery boosting, emergency fuel delivery).
• Fire assistance – coordination with the nearest fire department
• Police assistance – coordination with the nearest police station

All assistance services availed thru the hotline shall be paid by the insured member. For ambulance and roadside assistance, rates will vary depending on the specific service requested and your location.

 

BENEFITS BENEFIT AMOUNT REMARKS
Cash Assistance for Property Damage Php 10,000
  • If damage incurred is 70% or less of property insured, insured will receive 50% of Benefit Amount
  • If damage incurred is more than 70% or less of property insured, insured will receive 100% of Benefit Amount
Fire Lightning cover
Earthquake cover
Flood cover
Typhoon cover
Accidental Death Disablement Php 1,000 Subject to the Table of Permanent
Disablement Benefits
Burglary Robbery Php 1,000 Actual amount of loss, up to the maximum Benefit Amount
Emergency Assistance Included  Access only. Actual service availed will be paid by the Insured

The amount of insurance shall be reduced automatically by the amount of any claim paid. 

C. Maximum Benefits. Only one policy shall be in force and payable at any point in time. If a Member secures another cover for the same establishment/structure, only one benefit will be paid upon the claim. Premiums in excess of the coverage will be refunded.

II. Effectivity and Termination of Cover
A. Period of insurance coverage: To be stated in the communications received by insured Members
B. Grace Period. For programs where premiums are paid by Packworks Members (contributory),  Members have a maximum grace period of forty-five (45) calendar days from due date of premiums payments. Your policy is in force during this time unless You notify us in writing of your intention to terminate the policy. In which case, You shall be liable to Us for payment of a pro rata premium for the time the policy shall have been in force during the grace period.
C. Termination of Insurance. Insurance will terminate on the earliest of the following dates:
1. The date of termination of the Packworks Group Policy; 
2. The date at the end of the grace period if any premium due for the Member’s insurance  remains unpaid;
3. The date the Member ceases to be eligible for Insurance:
i. For Personal accident, when the Member attains age 65, or 
i. when the Member ceases to be a member of Packworks
4. The date of death of the Member.
Any unused premiums due to Member termination shall be refunded to the Member based on the proportion of premiums shared. 
D. Short Period Rate Cancellation Table. In the event of this Policy being surrendered by the Member for cancellation, AXA shall retain a premium in accordance with the following scale for the time the policy has been in force.
No of Months  1  2  3  More than 4
 
Percentage  60%  80%  90%  100%
 
III. Claims
(ENGLISH)

Please follow the steps below to file an insurance claim:
1. Step 1: Email a First Notice of Loss (FNOL) to AXA within the required number of days
Please email AXA:
a. Within 60 days if it’s a Property o Robbery claim, or
b. Within 30 days if it’s Accident claim
Count starts on the date of the incident (e.g. date of the typhoon, accident, robbery)

 

Send the email to property.claims@axa.com.ph at dally.dalisay@axa.com.ph and include:
1. Insured’s full name
2. What happened/Incident e.g. typhoon, fire, robbery, accident
3. Date of incident
4. Damage incurred e.g. damaged equipment and stocks estimated worth Php ___ due to
flooding/fire
Failure to provide FNOL within the prescribed period may result in non-payment of claim.

 

2. Step 2: Submit complete claim requirements
Complete the claim requirements needed per claim type so your claim can be processed.
Once complete, please email to property.claims@axa.com.ph at dally.dalisay@axa.com.ph.

PROPERTY & ROBBERY CLAIM
REQUIREMENTS
Property Damage – Structure and Contents

  1. Barangay Certificate stating that insured  property is an official operating business, validate location
  2. Incident Report (Claimant’s report)
  3. Photograph of property – before and after damage
  4. Inventory with cost (optional)
  5. Valid gov’t ID of claimant
  6. Property claim form
Robbery and Burglary 

  1. Formal claim letter/advice
  2. Affidavit of loss
  3. Police Investigation Report – reporting item lost & estimated amount
  4. Photo/s showing forcible entry or exit
  5. Valid gov’t ID of claimant
PERSONAL ACCIDENT CLAIM REQUIREMENTS
Accidental Death Claim 
  1. PA Claim form
  2. Police Investigation Report and Statement of Witnesses (original or CTC)
  3. Attending Physician Statement or Medical Certificate (original or CTC) if insured was hospitalized due to an accident
  4. Death Certificate of Insured.  PSA certified or stamped certified copy of Local civil registrar
  5. For Beneficiaries
    • a. If Spouse – Marriage Contract (original or NSO certified). LCR copy acceptable
    • b. If Parent – Birth certificate of Insured. LCR copy acceptable.
    • c. If Child – Birth certificate of Child. LCR copy acceptable
  6. Valid gov’t ID of claimant
  7. Proof of Bank account e.g. copy of deposit slip or passbook showing name of and account number of Claimant
Permanent Disability Claim 
  1. PA Claim form
  2. Attending Physician Statement or Medical Certificate (original or CTC)
  3. Police Investigation Report/Incident report/Barangay narrative if not reported to police authorities
  4. Statement of  Witnesses (original or CTC)
  5. Hospital Records – for amputation. This is optional if medical certificate states amputation already
  6. Picture of amputated affected body parts of the victim
    • a. Whole body shot
    • b. Close body shot of affected body parts
  7. Valid gov’t ID of claimant

(TAGALOG)

Sundin ang mga sumusunod kung sakaling meron kayong ifa-file na insurance claim:
1. Step 1: Mag-email ng First Notice of Loss (FNOL) kay AXA sa loob ng nakatakdang panahon
Mag-email sa AXA:
a. sa loob ng 60 na araw kung Property o Robbery claim, o
b. sa loob ng 30 na araw kung Accident claim
Magsisimula ang bilang ng araw sa petsa ng insidente (halimbawa: date of the typhoon, accident, robbery)

 

Mag-email sa property.claims@axa.com.ph at dally.dalisay@axa.com.ph
at banggitin:
1. Ang inyong buong pangalan
2. Ano ang insidenteng nangyari. Halimbawa – baha, lindol, sunog, nanakawan, etc
3. Kailan ito nangyari
4. Ano ang damage na inyong natamo. Halimbawa: nasira ang appliances, mga paninda, etc
na nagkakahalaga ng Php _____ dahil sa baha.
Kung hindi nakapag-email para magbigay ng FNOL sa loob ng mga araw na nabanggit, maaring hindi na mabayaran ang inyong claim.

 

2. Step 2: Magsubmit ng kumpletong claim requirements
Ito ang claim requirements na dapat makumpleto para ma-process at mabayaran ang inyong
claim. Pag kumpleto na, paki-email po sa property.claims@axa.com.ph at dally.dalisay@axa.com.ph.

PROPERTY & ROBBERY CLAIM
REQUIREMENTS
Property Damage – Structure and Contents

  1. Barangay Certificate na nagsasabi na
    talagang may Negosyo na ang insured property ay isang tunay na negosyo, official operating business, validate location
  2. Incident Report (Claimant’s report)
  3. Photograph of property – bago ang matapos ang insidente/damage
  4. Inventory with cost (optional)
  5. Valid gov’t ID of claimant
  6. Property claim form
  7. Proof of Bank account e.g. copy ng deposit slip o passbook na pinapakita ang pangalan at account number ng Claimant
Robbery and Burglary 

  1. Formal claim letter/advice
  2. Affidavit of loss
  3. Police Investigation Report – isalaysay ang nanakaw na bagay at halaga
  4. Photo/s nag nagpapakita ng panloloob
  5. Valid gov’t ID of claimant
  6. Proof of Bank account e.g. copy ng deposit slip o passbook na pinapakita ang pangalan at account number ng Claimant
PERSONAL ACCIDENT CLAIM REQUIREMENTS
Accidental Death Claim 
  1. PA Claim form
  2. Attending Physician Statement or Medical Certificate (original or CTC)
  3. Police Investigation Report and Statement of Witnesses (original or CTC)
  4. Death Certificate of Insured. PSA certified or stamped certified copy of Local civil registrar
  5. For Beneficiaries
    • a. If Spouse – Marriage Contract (original or NSO certified). LCR copy acceptable
    • b. If Parent – Birth certificate of Insured. LCR copy acceptable.
    • c. If Child – Birth certificate of Child. LCR copy acceptable
  6. Valid gov’t ID of claimant
  7. Proof of Bank account e.g. copy ng deposit slip o passbook na pinapakita ang pangalan at account number ng Claimant
Permanent Disability Claim 
  1. PA Claim form
  2. Attending Physician Statement or Medical Certificate (original or CTC)
  3. Police Investigation Report o Incident report/Barangay narrative kung hindi nai-report sa pulis
  4. Statement of  Witnesses (original or CTC)
  5. Hospital Records – kung naputulan ng bahagi ng katawan. Optional ito kung nakasaad na ang pagkaputol sa Medical certificate
  6. Picture ng naputulan na bahagi ng katawan
    • a. Whole body shot
    • b. Close body shot of affected body parts
  7. Valid gov’t ID of claimant
  8. Proof of Bank account e.g. copy ng deposit slip o passbook na pinapakita ang pangalan at account number ng Claimant

IV. Inquries
Send a message to insurance@packworks.io