Dear Beloved Clients, We wish to invite your attention to the above exclusion specified under Exclusion, Items 22 & 23...

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Let us explain: We are talking about people who are insured here in the Philippines. The two most important underwriters here are Blue Cross & Pacific Int’l (they are sister companies). Both of them created in their policies an absolute, impossible & unacceptable clause, the “EXPERIENCE LOADING.”

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A disability which existed before the effectively date of coverage of an insured person, the natural history of which...

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Coverage will commence/take into effect after 30 days from the inception date of the policy

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A line of insurance that is winning in popularity day by day. Many of our prospects and clients realized that they couldn’t take this chance not to be insured because they know that the risk is too high.

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