Standard Insurance provides Personal Accident (PA) insurance in the Philippines, delivering 24/7 financial protection for individuals, families, students, household helpers, and corporate employees. Our tailored PA packages cover accidental death, permanent disablement, emergency medical expense reimbursements, unprovoked murder/assault, and burial assistance. Optional motorcycle riders and worldwide coverage ensure round-the-clock security at home, work, or while traveling.
Protect yourself, your family, or your workforce with comprehensive personal accident insurance in the Philippines. Get 24/7 financial security against accidental injury, sudden disability, medical expenses and accidental death, with coverage terms depending on the selected plan.
Personal Accident (PA) insurance provides financial benefits following eligible accidental injury, disability, or death if you, a family member, or an employee suffer accidental bodily injury, permanent disability, or loss of life due to a sudden and unexpected incident.
PA insurance offers cash benefits and medical reimbursements to cover emergency hospital bills, daily income loss, and sudden family expenses caused by accidents—whether on the road, at home, or at work.
Our PA Insurance policies deliver complete coverage against unexpected life events:
Accidental Death Benefit: Provides the applicable benefit to the designated beneficiary following an eligible accidental death, subject to policy terms and claim approval.
Permanent Total or Partial Disability (Disablement): Pays compensation based on a pre-defined schedule of benefits if an accident leads to total or partial loss of limbs, sight, speech, or mobility.
Accident-related Medical Benefits: Covers emergency room costs, doctor fees, hospital confinement expenses, and prescription medicines needed to treat accidental injuries.
Unprovoked Murder & Assault Coverage: Extends benefits to eligible injury or death resulting from unprovoked murder or assault, subject to policy definitions and exclusions.
Burial Financial Assistance: Provides immediate financial help to support families with funeral and burial expenses following an accidental death.
Motorcycling Coverage / PA Rider Extension: Optional coverage extension that financially protects drivers and pillion passengers against injuries or fatal accidents sustained while riding motorcycles.
Whether you are an individual breadwinner, protecting your household staff, or managing a company, Standard Insurance offers packaged protection tailored to your needs:
Ensures round-the-clock financial security for breadwinners, spouses, and children against everyday hazards, travel incidents, and unexpected accidents.
Affordable student accident insurance designed for school campuses, educational trips, field trips, and everyday student commutes.
Specialized coverage packages extending financial protection to household helpers, domestic workers, and school teachers by providing accident-related medical benefits—ensuring they have access to medical treatment and emergency support when accidents happen.
Customizable workplace group accident insurance designed for businesses. Provides accident benefits for eligible declared employees or group members.
Life insurance covers death from almost any cause, including natural illnesses and old age. Personal accident insurance specifically covers accidental injuries, permanent disabilities, and accidental death, offering lower premiums and dedicated benefits like emergency medical reimbursement.
Yes, motorcycling coverage can be included via a Personal Accident Insurance Rider (PA Rider). This extends full medical expense reimbursement and accidental disablement benefits to motorcycle drivers and passengers.
If you incur hospital bills or emergency medical costs due to a covered accident, submit your original medical receipts and official incident reports to Standard Insurance. The policy reimburses approved expenses up to your selected policy limit.
Yes. Personal Accident coverage provides 24/7 protection whether you are at home, at work, commuting locally, or traveling abroad.
Customer Service Hotline: (+632) 8845-1111
Email: teamonline@standard-insurance.com
Nationwide Assistance: Visit any Standard Insurance branch nationwide.