1ST PERIOD - ACCUMULATION PERIOD (PAYING PERIOD) - FIRST 7 YEARS SHORT TERM BENEFITS

 1. Annual Benefit Limit (In-patient hospitalization only including medicines) P50k up (if unused will be returned as bonus up to 85% of Contract Price upon Maturity)

2. Free Annual Physical Examination (Top Basic 5-Chest X-ray, Fecalysis, Urinalysis, CBC, ECG 35 yr. up)

3. Free Dental Benefits (Annual Prophylaxis, dental check ups and simple tooth extraction)

4. Basic Medical Benefits (Network access to over 800 accredited hospitals and 10,00 accredited doctors and medical clinics).

5. Members access to Hospitals Room/Board

6. Four way Term Insurance Coverage (Transferable to beneficiary in case of death)

          1) Term Life Insurance (2 yr. contestability)

          2) Accidental Death (2x of Term Life Amount) & Dismemberment

          3) Waiver of Installment due to Death

          4) Waiver of Installment due to Permanent and Total Disability

7. Family Assistance (subject for approval)

8. Pre-existing conditions not covered

2ND PERIOD - EXTENDED PERIOD
- 8TH-20TH YRS (LONG TERM BENEFITS)

1. Yearly Health Hospitalization Benefit limit (HBL) - if unused earning 10% compounding.

2. Outpatient check up and medicines are covered thru reimbursement.

3. Additional Yearly Health Care Benefit Limit (HBL) (if investment grows 6% higher)

4. Term Insurance Coverage (Transferable to beneficiary in case of death)

          1) Term Life Insurance

          2) Accidental Death (2x of TL Amount) & Dismemberment

5. Maternity benefits covered

6. Pre-existing Conditions all covered

7. No exclusions - Dreaded Diseases (critical illness) all covered

8. Out of network hospitals/doctors are covered thru reimbursement

9. Family Assistance (subject for approval)