Group Personal Accident

Group insurance products

Sun Life Philippines shall pay to such Employee, if living, or to his beneficiary the corresponding percentage of the Accidental Death and Dismemberment Insurance in force for such loss on such date:

"LOSS" as used with reference to hand or foot shall mean complete severance at or above the wrist or ankle respectively and as used with reference to eyes means total and irrecoverable loss of sight.

If the Employee shall sustain more than one of such losses as a result of one accident, payment of the amounts shown above shall be made only for that one loss for which the largest amount is payable. Losses sustained as a result of any subsequent accident shall be considered for payment separately from and independently of other losses sustained in a previous accident. The aggregate amount of all percentages payable under the Accidental Dismemberment Benefit with respect to any one or more accidents in a policy year shall not exceed 100%.

In any policy year, the amount of benefit payable for loss of life arising from independent, unrelated accident shall always be the amount of Accidental Death and Dismemberment Insurance regardless of the amount(s) paid under the Accidental Dismemberment Benefit.

If an Employee has suffered the loss of one hand, one foot, or sight of one eye prior to the effective date of his insurance, the benefit of any subsequent loss of one hand, one foot, or sight of one eye shall be one-half of the Accidental Death and Dismemberment Insurance.

To enhance this plan, you can avail of the following riders:

  1. Medical Reimbursement (MR) - - Provides reimbursement of expenses for accident related medical treatment incurred within the Philippines.
  2. Burial Benefit - - Provides additional indemnity to take care of burial expenses for accident related death.