GROUP INSURANCE FOR

TPG TIRES FOR ALL

INSURED: Customers of TPG TIRES FOR ALL (GT PRO TIRE EXPRESS CORPORATION)

PLAN: Group Personal Accidental Plan

COVERAGE: Accidental Death and Disablement Insurance with Php25,000.00 benefit amount

ELIGIBILTY: Any customer of TPG TIRES For ALL who qualifies to its promotional program and at the inception of the policy, is:

1. In good health (actively performing the normal duties of life and free from physical and mental disability)
2. At least eighteen (18) years old but not more than seventy (70) years old.

INSURANCE TERM: One (1) year from the date of enrollment

POLICY TERMS AND CONDITIONS

Description of Benefits:

ACCIDENTAL DEATH AND DISABLEMENT- The policy shall pay out a certain percentage of the amount of insurance in case the Insured sustained accidental injuries, and as a result of such injuries and within 180 days after the date of accident, has suffered a loss. Amount is determined based on the following:

“Accident” means any unintentional act or unforeseen, unusual, and unexpected event which directly causes an Injury or death.

“Injuries” means bodily injuries that

1. are sustained while This Group Plan is in force;
2. are caused solely by external, violent, and accidental means and independent of any other cause; and
3. produce a visible contusion or wound on the exterior of the body except in the case of drowning or of internal injury revealed by an autopsy.

“Loss of Use” means the complete and permanent inability of the Insured Individual to move or perform an action for which his limbs, fingers, toes, or metacarpals are normally fitted or used, or for which they normally exist. It includes paralysis, which means complete and permanent inability to move as a result of neurological damage.

“Disablement” means complete and permanent severance of any of the following: (a) hand – at the wrist and (b) foot – at the ankle joint.

Total and permanent disability shall mean uninterrupted disability for not less than six (6) months, which prevents the Insured Individual from engaging in any gainful occupation, employment, or business. This Group Plan must be continuously in force from the inception of the sickness or injury causing the total and permanent disability to the commencement of the total and permanent disability itself.

The loss of the first joint of the thumb or any other finger or of any toe shall be considered as equal to the loss of one half of the thumb or finger or toe and the benefit shall be one half of the benefit specified in the above schedule of indemnities for the loss of the thumb or finger or toe. The loss of more than one phalanx of the thumb or of any other finger or of any toe shall be treated as loss of the entire thumb or finger or toe. Where there is loss of two or more parts of the hand, however, the percentage payable shall not be more than the loss of the whole hand.

Murder and Assault. The policy shall cover losses caused by the risks of murder, assault, or any such attempt provided that such risks:

1. shall not have been provoked by the Insured Individual; and
2. shall not have happened while the Insured Individual is a) engaging in political activities, or b) performing investigative, security or political function, or c) holding any elective governmental positions.

There shall be no Murder & Assault coverage for Security Guards.

Motorcycling Coverage Clause. The insurance afforded by this proposal shall apply while the Insured is riding or operating any motorized two-wheeled vehicle EXCEPT while such vehicle is being used for any race, speed test or exhibition or when the Insured is under the influence of liquor, narcotics, or prohibited drugs.

Total and permanent disability shall mean uninterrupted disability for not less than six (6) months, which prevents the Insured Individual from engaging in any gainful occupation, employment, or business. This insurance policy must be continuously in force from the inception of the sickness or injury causing the total and permanent disability to the commencement of the total and permanent disability itself.

Disappearance. If the Insured Individual disappears and is not found within one (1) year after the date of the disappearance, sinking or wrecking of the aircraft or other conveyance either on the ground or at sea in which the Insured Individual was a manifested passenger, then it shall be presumed that the Insured Individual has suffered death covered under this policy at the time of such disappearance, sinking, or wrecking. If at any time after settlement of claims, the Insured Individual shall have been found to be alive; all amounts so paid shall be refunded by the beneficiaries to the Insurer.

Coverage with respect to flying shall be limited to loss occurring while the Insured Individual is riding solely as a passenger, not as an operator or crew member, in boarding or alighting from a certified passenger aircraft provided by a regularly established airline on any regular, scheduled or nonscheduled, special or chartered flight, and operated by a duly licensed pilot flying over an established aerial route between duly established and maintained airports.

EXCLUSIONS

This Group Plan does not cover loss, cost, or expense of whatever nature, directly or indirectly caused by or

resulting from any one of the following:

1. Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane;
2. Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
3. Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision;
4. Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form;
5. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part;
6. Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination, and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or disablement and/or death;
7. Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft;
8. Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying, sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk;
9. Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual;
10. Any violation or attempted violation of the law or resistance to arrest by the Insured Individual;
11. Cosmetic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident;
12. Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman; and
13. Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
14. Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm of whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

This insurance is provided by Pioneer Life, Inc. and powered by EnsureMePh Insurance Broker, Inc. (InsuranceKo). For inquiries regarding your insurance policy, you may contact InsuranceKo at customersupport@insuranceko.ph or at (033) 329-0729. In event of a claim, you may contact us at claims-ph@insuranceko.ph.