With effect from 1st July 2016, the operations of Generali Pilipinas Life Assurance Company, Inc. (GPLAC) have been reorganized.

GPLAC has been renamed BDO Life Assurance Company, Inc. (BDO Life)1 while Generali Pilipinas Insurance Company, Inc. (GPIC) has been renamed Generali Life Assurance Philippines Inc. (Generali Philippines)2.

All existing individual life policies written by GPLAC prior to 1st July, 2016 including the BDO Mortgage Redemption Insurance (MRI) Program will continue to be serviced by BDO Life.

All existing group business including Employee Benefits coverage (Life & Health) written by GPLAC prior to 1st July will continue to be serviced by Generali Life Philippines.

There will be no impact on the terms and conditions of all existing policies.

1 BDO Life is a wholly-owned subsidiary of BDO Unibank, Inc.
2 Generali Life Philippines is a wholly-owned subsidiary of the Generali Group.

Please click the link below to be redirected to the BDO Life site.

Please click the link below to be redirected to the Generali Life Philippines site.


Should you have further questions, please feel free to get in touch with us:
BDO Life
Telephone Number: 885-4110
Email: we-care@bdolife.com.ph

Generali Life
Telephone Number: (63) 2 580-6600 & (63) 2 894-1135
FAQs

1. GROUP TERM LIFE INSURANCE

QUESTIONS

ANSWERS:

Who are eligible for Life Insurance?

All regular, full-time and actively at work employees who are at least 18 years old and no more than 65 years old are eligible members.

How much will the amount of the Life Insurance be?

The amount of Life Insurance cover is determined by the employer. Cover may be a fixed amount or multiples of monthly basic salary

Can I increase the amount of cover I currently have?

No, as the amount of cover is determined by the employer and should be consistent with the other levels in the company.

Will the amount of cover build cash values?

No, as this is a term life insurance or purely protection thus, no cash or loan values are accumulated.

What is a No Evidence Limit (NEL)?

No Evidence Limit (NEL), also called Free Cover Limit, is the maximum amount of insurance cover for a member which no evidence of insurability is required to be accepted in the policy.

What will happen if my amount of cover is beyond the No Evidence Limit (NEL)

If the amount of cover is beyond the NEL, the amount in excess will be subject to underwriting. Evidence of insurability, such as submission of an accomplished Medical Health Questionnaire or undergoing medical examination, will be evaluated by Generali’s Medical Director to determine if the member may be accepted as a standard or substandard risk, or to postpone or decline the amount of cover beyond the NEL.

The additional amount of cover beyond the NEL shall take effect on the date of approval of Generali’s Medical Director.

What happens if a member is unable to comply with the evidence of insurability?

In case a member is unable to comply with the evidence of insurability, the obligation of Generali is limited to the current amount of cover that has been approved.

Who will pay for the fees in case a medical examination is required?

Generali will shoulder the medical examination expenses as long as it is done in one of Generali’s accredited clinics.

In case a member requests for repeat/additional tests, these shall be for the account of the member.

What are the covered causes of death?

All causes of death are covered.

For suicide cases, if a member commits suicide within one year from the date of issue/reinstatement of his insurance, provided however, that the employee is then sane, Generali’s liability is just the return of premiums for the period mentioned.

Am I still covered even if I take a leave of absence without pay?

A member remains covered as long as they continue to be employed with their employer and remains to be eligible.

Can I continue my Life Insurance even after I separate from my employer?

You can no longer continue coverage under the Group Life Insurance as coverage is co-terminus with the employment.

However, each member has the privilege to convert his life insurance into an ordinary life insurance policy without showing evidence of insurability within 31 days from the date of separation. Furthermore, amount of cover should not be more than the latest coverage under the group policy and there are no riders to be attached to an ordinary individual insurance plan.

Who may I assign as beneficiaries?

An insured member shall have the right to designate anybody, not disqualified by law, as his beneficiary or beneficiaries

When will the beneficiary/ies receive the death benefit?

The beneficiary/ies will receive the death benefit within 14 working days from Generali’s receipt of complete claim documents


2. GROUP MEDICAL INSURANCE

QUESTIONS

ANSWERS:

Who are eligible for Medical Insurance?

All regular, full-time and actively at work employees who are at least 18 years old and no more than 65 years old are eligible.

Eligible dependents of above eligible employees may also be enrolled in the plan. If premium is to be paid by the employer, 100% of the dependents should be enrolled. If premiums will be shared between employee and employer, a minimum of 75% participation of eligible employees should enroll their dependents.

How much will the amount of the Medical Insurance be?

The amount of Medical Insurance cover is determined by the employer.

Can I increase the amount of cover I currently have?

No, as the amount of cover is determined by the employer and should be consistent with the amounts set for other levels in the company.

What if my illness developed certain complications, will such complications be subject to a separate benefit limit?

Any illness which is proven to be related or is a complication of an illness shall share the same benefit limit as its root disease.

How do I know which doctors are accredited?

You may check the list of doctors and their schedules here OR you may call our Alarm Center

Can I get a copy of the list of the doctors and their schedules?

Since the Doctors’ lists and/or schedules are updated regularly by our Providers, it is not advisable to provide members a copy of the doctors’ list. However, you may check the most updated list of doctors and their schedules here OR you may call our Alarm Center.

If I’m in an accredited hospital and want to use the services of my personal doctor who is not accredited with Generali, can I have his medical services reimbursed?

Generali will reimburse the actual customary, reasonable expenses had member availed services with an accredited doctor, up to the limits of the plan.

Can I have my personal doctor accredited with GP?

You may request for doctor accreditation by writing us through your HR. The doctor may be accredited upon compliance to the Generali credentialing criteria, when approved by our medical coordinator and if he/she is amenable to the payment terms & conditions of our contract.

During confinement, what if I want to occupy a room higher than my room & board (R&B) limit?

The member may occupy a room category higher than his R&B limit. Please note that because of socialized pricing in hospitals, staying in a more expensive room will also make the other services more expensive. As a result, the member may incur excess amounts over his plan limits and such excess amounts will have to be paid prior to discharge from the hospital.

Do I get 100% reimbursement for charges during emergency confinement in a non-accredited hospital?

If a member is treated in a non-accredited hospital, Generali will reimburse the actual, customary, and reasonable expenses had member availed of services in an accredited hospital with an accredited doctor, subject to the limits of the plan.

Who is responsible for the filing of my PhilHealth with the hospital? What happens when I fail to file my PhilHealth?

It is the member’s responsibility to file the Philhealth form. If you fail to file it, you will shoulder the amount corresponding to your Philhealth benefit.

What if I get into a vehicular accident, will Generali cover the cost of my medical expenses?

Injuries sustained in vehicular accidents and other medico-legal cases (shooting, stabbing et al) are not automatically covered. The member needs to submit a police report and other pertinent documents subject to our evaluation. Generali will not cover your medical expenses if it is proven that the injury is sustained due to causes that are exclusions/limitations of the plan (i.e. while in violation of any law).

What is the turn-around time for submission and processing of reimbursement?

Submission of the duly accomplished Generali claim form and other requirements is within 90 days from the date of discharge from the hospital or from the date of treatment. Generali will process and send the reimbursement to the employee within 14 working days from receipt of complete claim documents.

What is the purpose of the network card?

The membership card serves as member identification during availment with our Providers (hospitals, clinics and doctors), which is required to validate if member is eligible for coverage. Once the membership card is swiped in the POS terminal, it will generate a print-out called LOE (Letter of Eligibility).

What do I do if I lose my network card?

If a member loses his network card, he may coordinate with his employer’s HR representative for the card replacement. Generali will replace the card subject to a fee of Ph100.

Can I still use my network card even if I am already separated from my employer?

A member’s medical plan is co-terminus with his stay in the company. The member should surrender his card and his dependents’ card, if applicable, before separation/resignation as part of the clearance requirement.

What is an Alarm Center?

The Alarm Center (AC) is the call center servicing arm of the Generali Provider Network headed by a Doctor and manned by agents who are registered nurses or paramedical staff. They are responsible in assisting the members during a medical availment.

What do I do if I want to report any feedback or concern regarding my availment?

You may send your feedback or concern through your employer. For urgent concerns, the member may call or send us a message through Generali’s Alarm Center 24/7 Personalized Service Medical Hotline Nos. for immediate assistance. Contact details are also indicated at the back of the network cards. The member should give complete information so that Generali can address the matter as quickly as possible.

Am I still covered even if I take a leave of absence without pay?

A member remains covered as long as he continues to be employed with his employer and remains eligible.

Can I continue my Medical Insurance even after I separate from my employer?

You can no longer continue coverage under the Group Medical Insurance as coverage is co-terminus with your employment.