OUR PRODUCTS
The Compulsory Third Party Liability Insurance (CTPL) is required by the Land Transportation Office (LTO) as a prerequisite to annual vehicle registration. It covers legal liability resulting in Death or Bodily Injury to Third Parties as a result of the insured vehicle.
Coverage
A. DEATH INDEMNITY including Burial and Funeral Expenses:
- Php 200,000.00
| Types of Accommodation or Professional Attendance Extended | Services Rendered | Maximum Reimbursable Fees and / or Charges |
|---|---|---|
| 1. Hospital Rooms | Maximum of 45 days per accident | Php 500.00 / day |
| Laboratory Examination, Fees, X-rays | Php 2,000.00 | |
| 2. Surgical Expenses | Major Operation | Php 7,500.00 |
| Medium Operation | Php 5,000.00 | |
| Minor Operation | Php 1,500.00 | |
| 3. Anesthesiologist's Fees | Major Operation | Php 2,500.00 |
| Medium Operation | Php 2,000.00 | |
| Minor Operation | Php 500.00 | |
| 4. Operating Room | Major Operation | Php 1,500.00 |
| Medium Operation | Php 1,000.00 | |
| Minor Operation | Php 500.00 | |
| 5. Medical Expenses | For daily visits of Practitioner or Specialists | Php 400.00 / day |
| Total Medical Expenses (Per Confinement) | Php 5,000.00 | |
| 6. Drugs and Medicines | Actual value of drugs and medicines used | Not to exceed Php 20,000.00 |
| 7. Ambulance | Actual amount charged | Not to exceed Php 1,500.00 |
| Type of Injury | Compensation |
|---|---|
| Loss of or Loss of Use of Two Limbs | Php 50,000.00 |
| Both Hands or All Fingers & Both Thumbs | Php 50,000.00 |
| Both Feet | Php 50,000.00 |
| One Hand and One Foot | Php 50,000.00 |
| Sight of Both Eyes | Php 50,000.00 |
| Injuries resulting in being permanently bedridden | Php 50,000.00 |
| Any other injury causing permanent total disablement | Php 50,000.00 |
| Arm at or above elbow | Php 20,000.00 |
| Arm between elbow and wrist | Php 15,000.00 |
| Hand | Php 15,000.00 |
| Four Fingers and Thumb of One Hand | Php 15,000.00 |
| Four Fingers | Php 12,000.00 |
| Leg at or above knee | Php 20,000.00 |
| Leg below knee | Php 15,000.00 |
| One Foot | Php 15,000.00 |
| All Toes of One Foot | Php 10,000.00 |
| Thumb | Php 8,000.00 |
| Index Finger | Php 6,000.00 |
| Sight of One Eye | Php 20,000.00 |
| Hearing - Both Ears | Php 30,000.00 |
| Hearing - One Ear | Php 15,000.00 |
Hit the road worry-free with PhilFirst AutoFirst! Whether it’s your first car, your trusty family ride, or the dream driving machine you’ve worked so hard for, AutoFirst has your back.
Wherever the road takes you, feel secure knowing you and everyone around you are covered by a trusted name – PhilFirst, the Philippines’ pioneering insurer that has been protecting Filipino families for decades.
More than just a car insurance, Auto First is peace of mind with every start of the engine.
COVERAGE
Auto Personal Accident (APA)
The APA provides personal accident insurance for the authorized driver and passengers of the insured vehicle.
Third Party Liability – Bodily Injury (TPL-BI)
The TPL-BI is an optional additional cover on top of the maximum limit of the CPTL. This provides for the payment to the affected person to compensate for bodily injury caused by the insured vehicle.
Own Damage and Theft (OD/Theft)
Any damage to the insured vehicle caused by accidental collision, overturning, fire or lightning, external explosion, self-ignition or theft.
Third Party Liability – Property Damage (TPL-PD)
The TPL-PD is an optional additional cover that pays for the damage caused by the insured vehicle to the property of a third party.
Acts of Nature
Provides cover that pays for damage to insured vehicle due to natural disaster.
Road Assistance Services*
- Towing service up to the nearest facility, on-site emergency repairs, and claims assistance.
- Hotel accommodation for a maximum of two (2) nights, alternative transport to your destination, hospital admission, and legal assistance.
- Tire change, battery boosting, jumpstart, car lockout assistance, and fuel delivery.
*All services cover vehicles for private use only, vehicles not older than 10 years old, and not heavier than 3,500 kilograms. Other conditions apply based on policy.
Your home is more than just a place; it’s where life happens, where your loved ones thrive, and where your most cherished belongings reside. That’s why it deserves the ultimate protection!
With PhilFirst HomeFirst, you can rest easy knowing your home and everything inside it are covered against unexpected events — whether that be a fire, typhoon, or earthquake. If the unthinkable happens, HomeFirst ensures you can repair, rebuild, and move forward without worry.
Protect what matters most to you with HomeFirst. Because peace of mind is the best foundation you can have!
GET A QUOTE
STANDARD COVERAGE
Natural and Man-made calamities
- (Fire and Lightning)
- (Typhoon)
- (Flood)
- (Smoke)
- (Explosion)
- (Vehicle Impact)
- (Falling Aircraft)
- (Riot Strike)
- (Malicious Damage)
- (Bush Fire)
- (Vandalism)
- (Broad Water Damage)
- (Robbery/Burglary)
- (Earthquake)
Rental Value Expenses
Pays for rental fees up to three (3) months.
Debris Removal
Pays for the cost of removing the debris.
Professional Fees
Pays for professional fees to rebuild the house.
Fire Fighting Expense
Reimburses cost of firefighting expense.
House Helper’s Properties
Covers personal belongings of household helpers lost or damaged due to an insured peril; maximum of four (4) household helpers.
Property under Care, Custody, and Control
Covers properties not belonging to the insured but under the insured's care, custody, and control.
Whether you're flying solo or traveling with a group, for leisure or business, unexpected hiccups can turn your plans upside down. Don't let the unexpected ruin your adventure – be a smart traveler with PhilFirst TravelFirst!
From dreamy vacations to important business trips, TravelFirst has your back, covering you against unforeseen events anywhere in the world. Imagine the confidence of knowing you’re protected every step of the way — no worries, no stress, just smooth sailing (or flying!).
So go ahead! Pack your bags, plan your journey, and explore with peace of mind!
COVERAGE
Medical & Emergency Expenses
These expenses shall be based on cashless basis as arranged in accredited network of medical providers worldwide. Emergency expenses refer to services which may require transferring or repatriating of insured back to the Philippines or to a properly-equipped facility.
Emergency Evacuation & Repatriation
Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.
Personal Accident
Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.
Hospital Cash Allowance
Payment for each 24-hour hospital confinement due to injury or illness (up to ten [10] days).
Travel Delay
Payment of expenses incurred for the purchase of clothing and toiletries if the checked-in baggage has been delayed for more than twelve (12) hours. Payment for each 6-hour delay of flight due to severe weather condition, natural disasters, or equipment failure.
Baggage Delay
Payment for the loss and damage of checked-in baggage and personal effects, and is not covered by the airline baggage limit of liability.
Trip Cancellation
The payment of the non-refundable portion of travel arrangement to be cancelled due to illness, or death of the insured or immediate family member.
Trip Termination
Payment of non-refundable portion of travel arrangement after the start of travel or holiday due to serious illness and bodily injury, or death of the insured or immediate family member.
Loss of Travel Documents
The cost to replace lost passport and/or other travel-related documents plus hotel accommodation, travel, and communication expenses.
Compassionate Visit
In the event of hospitalization for more than five (5) days as a result of injury or illness, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to the place of hospitalization of the in-patient.
Child Guard
In the event of hospitalization for more than five (5) days as a result of injury and accompanied by a minor, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to care for the minor.
Your ultimate shield against the growing risks of online breaches and fraud. Cyber Insurance provides you with comprehensive online data protection for the unexpected in the digital world.
Enjoy peace of mind with coverage designed for the modern age.
COVERAGE
Identity Theft
Occurs when someone illegally obtains and uses another person's personal information – such as their name or financial details – without permission, typically for fraudulent purposes like opening accounts, making purchases, or accessing sensitive data.
Financial Fraud
An act involving the intentional deception or manipulation of financial transactions or records for personal gain committed online.
Online Retail Fraud
Deceptive practices carried out in e-commerce environments where goods or services are offered at cheap prices but never shipped or delivered.
*Subject to PFIC Underwriting Guidelines
Insurance that provides financial protection to motor vehicle owners in case of loss, damage or liability arising from the ownership, maintenance or use of the vehicle
Insurance that provides protection for your building, stocks, and equipment against financial loss due to fire, lightning and other convulsion of nature.
24/7 Worldwide protects that provides pecuniary compensation to the insured against injury, disability, or death caused by violent, accidental, external and visible events.
This insurance protects the contractor and the principal against loss or damage to materials and works in progress, as well as accidents during the course of construction and/or installation of structures, machinery, equipment, systems, and processes.
The types of coverage are as follows:
- Contractor’s All Risk
- Erection All Risk
- Machinery Breakdown
- Electronic Equipment Insurance
This protects the insured against loss or damage to his goods while being transported from one location to another location whether import, export, inter-island, or inland cargo movements.
The specific protection under this type of insurance are as follows:
- Comprehensive General Liability Insurance: This protects the insured against liabilities due to bodily injury or property damage to Third Parties arising from activities in connection with the insured’s usual business operations.
- Property Floater Insurance: This protects the insured against all risk of direct physical loss or damage to the insured’s movable personal property (i.e., heavy equipment, and the like) from any external cause.
- Money, Securities and Payroll Robbery: This protects the insured against loss of money, securities, or payrolls as a result of robbery and brigandage or any attempt thereat whilst inside the premises or whilst in transit.
- Fidelity Guarantee Insurance: This protects the insured against financial loss due to acts of fraud or dishonesty by the insured’s employees.
- Cyber Insurance: This protects the insured for financial losses such as PR cost, legal defense, ransomware, and other similar expenses due to a data breach of the insured’s system.
Bonds (non-judicial)
This is a contract or an agreement among three parties whereby a surety company (insurance company) guarantees the performance by one party (Principal or Insured) of an obligation or undertaking in favor of another party (Obligee).
Types of bonds offered:
- Performance Bonds: Ensures the completion of a project or fulfillment of a contract as agreed.
- Surety Bonds: Guarantees the performance of an obligation or compliance with a legal requirement.
- Bidders Bonds: Ensures the commitment of a bidder to undertake a project if awarded the contract.
Life can change in an instant, but with PersonalFirst, you’ve got the shield you need against the unexpected.
With 24/7 worldwide coverage, PesonalFirst is your reliable partner every single day of the year. You can feel secure that you and your loved ones are protected from the financial burdens caused by injury, disability, and even death.
Trust PhilFirst has a long and unbroken tradition of protecting Filipino families to provide you peace of mind amidst uncertainties.
