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| HCA can give you triple protection under one policy. It provides Comprehensive Property Insurance, Comprehensive Personal Liability, as well as Family Personal Accident Insurance.
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| 1.
| For your property
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| You can choose from any of the four (4) HCA variants:
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| HCA Regular
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| Fire & Lightning
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| Extended Cover
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| Riot, Strikes and Malicious Damage
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| Landslide and/or Subsidence
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| Bush Fire
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| Broad Water Damage
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| Robbery & Burglary Coverage up to P75,000
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| HCA Silver
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| HCA Regular Plus!
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| Typhoon
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| Flood
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| HCA Gold
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| HCA Regular Plus!
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| Earthquake
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| HCA Platinum
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| HCA Regular Plus!
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| Earthquake
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| Typhoon
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| Flood
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| Robbery & Burglary up to P150,000
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| 2.
| For your family
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| It can provide your family with Personal Accident Insurance of up to P200,000 for Death &/or Permanent Disablement and Burial Expense up to P10,000 per person.
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| 3.
| For you
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| HCA also provides your Comprehensive Personal Liability Insurance up to P100,000 for Bodily Injury &/or Property Damage (including professional fees).
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| Plus, the following coverages are included in ALL of the four (4) HCA variants for FREE:
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| Rental Income or Rental Value
– pays up to (6) six months of your rental expense subject to a maximum of P30,000 per month or 1% of Sum Insured, whichever is lower for the rental fee resulting from a covered loss to the property insured, which renders it uninhabitable. Applicable to owner renting out their building.
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| Removal of Debris
– pays for the actual cost of the removal of debris up to P100,000 or 10% of Sum Insured, whichever is lower.
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| Temporary Removal (including transit)
– pays for the loss or damage to your household contents insured while moved by land transit to a new location or while temporarily removed from the building for the purpose of cleaning, repair or renovation as a result of a covered peril up to P30,000 or 10% of Sum Insured, whichever is lower.
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| Professional Fees
– pays for the actual professional fees of Architects, Surveyor’s and Consulting Engineers in the preparation of a claim up to P100,000 or 5% of Sum Insured, whichever is lower.
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| Fire Fighting Expense
– pays the actual expense incurred for the extinguishment of fire up to P50,000.
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| FAQ
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| Back to Home Care Advantage Insurance Main
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Financial Products of BPI/MS and Ayala Life are not insured by the Philippine Deposit Insurance Corporation
and are not guaranteed by the Bank of the Philippine Islands.
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