Protecting your future and the safety of those you love are paramount to today’s uncertain world. M Lhuillier (ML), a trusted name in the Philippines, understands the importance of financial security and offers a range of comprehensive insurance plans to safeguard you and your family against life’s uncertainties. ML is committed to excellence and reliability, ensuring you have peace of mind knowing that it’s covered by all circumstances.
ML insurance is tailored to individual needs, meaning that individuals, families or groups will be able to avail themselves of the best coverage available.
In collaboration with distinguished insurance companies, ML General Insurance Agency Inc. has become a catalyst for offering an array of Life and Nonlife Products which include:
- AIA Philippines
- Paramount Life & General Insurance Company
- MAA General Assurance Philippines, Inc.
- PhilLife Financials
ML General Insurance Agency, Inc. seeks to provide its clients with comprehensive insurance solutions that guarantee reliability and trust in all their policies by means of such strategic partnerships.
Understanding M Lhuillier’s Insurance Plans
ML offers a range of special products and services to meet the diverse needs of customers:
1. Personal Accident Insurance
Comprehensive coverage for accidents, providing financial assistance in times of need
| Pawners Protect (PHP10.00) | Kwarta Padala Protect (PHP5.00) | Family Protect (PHP30.00) | Pinoy Protect Plus (PHP50.00) | Family Protect Plus (PHP 99.00) | |
| Accidental Death | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Disablement /Dismemberment | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Motorcycling | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Burial Assistance | NONE | NONE | 10, 000 | 10, 000 | 10, 000 |
| Cash Assistance | NONE | NONE | NONE | 10, 000 | 10, 000 |
| Educational Assistance | NONE | NONE | NONE | 5, 000 | NONE |
| Fire Assistance | NONE | NONE | NONE | NONE | 5, 000 |
| Term | 4 months | 1 month | 1year | 1 year | 1 year |
| Qualified Ages | 18-65 | 18-65 | 7-70 | 18-75 | 18-75 |
| No. of Insured | 1 | 1 | 1 | 1 | 5 |
2. CTPL (Compulsory Third Party Liability) Insurance
Provides financial protection to vehicle owners against liabilities arising from third-party bodily injury or death, as well as property damage resulting from vehicular accidents.
| Vehicle Class | Annual Premiums |
| Motorcycle | PHP 296. 00 |
| Private Car | PHP 606.00 |
| Commercial Vehicle (Light & Medium) | PHP 656.00 |
| Commercial vehicle (Heavy) | PHP 1,246.00 |
| LTO (MC) | PHP 296.00 |
| LTO (Heavy) | PHP 1,246.00 |
3. Dengue RX
| Age | Annual Premium | Dengue Hospitalization Coverage (Consumable Reimbursement) | Accidental Death, Disablement, Dismemberment |
| Child (0-20 y/o) | PHP 500.00 | 30,000 | 10,000 |
| Adult (21-59 y/o) | PHP 150.00 | 30,000 | 10,000 |
4. Global Travel Protect Insurance:
A comprehensive package of cashless travel insurance designed to provide comprehensive medical and travel assistance worldwide. The country’s first cashless travel insurance solution. Explore worry-free journeys with our Domestic and International Travel Insurance options.
Individual Coverage
- Applicable for individuals aged 0 to 75 years at the time of insurance application.
Family Plan
- Coverage extends to the insured and their spouse, aged between 18 to 65 years.
- Children from 0 weeks to 21 years old are eligible for coverage.
- Maximum of 5 individuals, comprising 2 adults and eligible children, can be included in the plan.
Group Plan
- Designed for groups of a minimum of 10 persons per trip, departing on the same day with identical itineraries.
5. OFW Balik Manggagawa Insurance:
Mandatory insurance coverage for returning overseas Filipino workers, ensuring their well-being upon their return to the Philippines.
| OFW BALIK MANGAGAWA INSURANCE PREMIUM | No. of Months | Premium (US Dollar) |
| null | 6 months | $17.55 |
| 12 months | $34.82 | |
| 18 months | $52.37 | |
| 24 months | $69.74 | |
| 30 months | $87.00 | |
| 36 months | $104.56 | |
| 42 months | $121.80 | |
| 48 months | $139.20 |
6. Medicare Plus Insurance:
Emergency coverage for outpatient and inpatient medical services, providing peace of mind during health emergencies.
ER GUARD
- Outpatient Emergency Coverage
- Physician’s Services
- Emergency Room Fees
- Medicines used for immediate relief and During treatment
- Initial treatment of animal bites
- Laboratory, X-ray and other diagnostic examinations directly related to the emergency management of the patient.
| Product Name: | ER GUARD |
| Coverage Limit: | up to P20,000.00 |
| Premium/Price: | P970.00 |
| Benefits: | Emergency Treatment & Care |
ER GUARD PLUS
- Outpatient & Inpatient Emergency Coverage
- Physician’s Services
- Emergency Room Fees
- Medicines used for immediate relief and During confinement
- Initial treatment of animal bites
- Laboratory, X-ray and other diagnostic examinations directly related to the emergency management of the patient.
- Room & board in case of confinement due to emergency
| Product Name | ER GUARD PLUS |
| Coverage Limit: | up to P50,000.00 |
| Premium/Price: | P3,315.00 |
| Benefits: | Emergency Treatment & Care |
7. Mediphone Insurance:
24-hour medical assistance service, allowing clients to consult with doctors via phone calls, messenger, or mobile app.
| QUALIFICATION | PREMIUM |
| No Age limit | 250.00 |
Making Insurance Claims: A Hassle-Free Process
In the unfortunate event that you need to make an insurance claim with ML, the process is straightforward and hassle-free. Here’s a step by step guide for that:
- Report the Incident: Visit any ML branch nationwide to report the incident. The branch will notify the Insurance Service Provider Department (ISPD) of the incident.
- Notice of Claim: Ensure that the notice of insurance claim is made within thirty (30) days after the accident to avoid any delays or denials.
- Provide Required Documentation: Complete the required documentation, including the Certificate of Insurance (COI), incident report, personal accident claim form, and other relevant documents.
- Evaluation and Investigation: Once the requirements are submitted, the case will undergo evaluation and investigation by the ISPD.
- Claim Approval and Payment: If the claim is approved, the rightful beneficiary will receive the check payment, providing the necessary financial assistance during challenging times.
Conclusion
ML goes above and beyond its primary focus on insurance, providing a wide variety of products and services to adapt to the changing needs of its customers. Whether you’re seeking insurance, travel assistance, or quality goods, ML is your dependable companion in securing your future and improving your way of life. With a steadfast commitment to reliability, integrity, and customer satisfaction, ML is prepared to assist and safeguard you throughout your journey.
