If a member or the legal dependent becomes sick or met an accident without dismemberment resulting to complete inability to engage in any gainful employment and becomes bedridden, s/he can be considered as total and permanently disabled if after six (6) confirmation of a competent doctor, s/he will receive monthly benefits according to schedule of benefit.

Only for member and member's legal spouse.

Hospitalization due to vehicular accident resulting in hospital confinement for at least 24 hours purposely for treatment by a qualified physician.

Actual medical expenses incurred within six (6) months from the date of accident for treatment such as hospital charges and nurses fees up to a maximum of TEN THOUSAND PESOS (Php 10,000.00). This amount is good for the whole duration of membership.