Insure Your Bills with GInsure Bill Protect

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Product Description

What is GInsure Bill Protect?

GInsure Bill Protect is an insurance that covers the Insured against accidental death and permanent disablement which renders the Insured unable to earn and settle his payment obligations. The Group Policy pays out a lump sum benefit which covers up to thirty-six months (three years) of the GCash bill payment amount at time of enrolment.

Who will be the Insured upon payment of bill?

The Insured is the GCash account owner who has successfully paid a selected bill and the premium due for GInsure Bill Protect via his GCash account. Example: John pays for his father’s bill via his GCash account and enrolls it to GInsure Bill Protect. John is the Insured.

To whom is the benefit payable?

The benefit is payable to the Insured (GCash user), or in case of the Insured’s death, to the beneficiary designated by the Insured, or in the absence of beneficiary designation, to the person or persons in the following order of preference:

  • legal spouse
  • children
  • parents
  • brothers and sisters.

Is there a maximum benefit amount for GInsure Bill Protect?

The total cumulative benefit amount is PHP 1.8million at the period of coverage overlap. Chubb will apply the maximum benefit limit cap at point of claim.

How long will I be covered by availing GInsure Bill Protect?

Thirty (30) calendar days, effective on the day of successful GCash Pay Bills transaction with enrollment to GInsure Bill Protect, after which coverage will end.

You may enroll and pay the premium again when you make another GCash bill payment, upon which your coverage will reset for another calendar month.

How can I enroll to GInsure Bill Protect?

You can enroll a bill to GInsure Bill Protect as add-on every time you make a Pay Bills transaction via the GCash app.

Can I enroll to more than one (1) GInsure Bill Protect?

Yes, the more bills paid and enrolled with GInsure Bill Protect, the bigger the lumpsum benefit amount will be under the covered period.

How much should I pay for my GInsure Bill Protect?

The premium is computed as Bill Payment Amount x 0.920%.

Sample computation of GInsure Bill Protect Premium

What is the benefit of this product?

It covers the insured for 36 times of his bill amount paid if the insured is unable to earn and settle his/her payment obligations due to accidental death and permanent disablement. 

Sample computation of total benefit

Who can enroll for GInsure Bill Protect cover?

You can enroll to GInsure Bill Protect if you:

  • are within 18-75 years old
  • are a Filipino or legal Philippine resident
  • have a GCash account
  • are to pay a biller in Pay Bills via GCash app

How many GInsure Bill Protect insurance cover can I enroll to?

You will have the opportunity to enroll a bill every time you make a Pay Bills transaction via the GCash app. The more bills paid and enrolled under GInsure Bill Protect, the bigger the lump sum benefit amount will be under the covered period.

Is there a maximum transaction limit?

GCash has a maximum total transaction amount per user which is Php 50,000.00 per month. Cap for insurable amount will follow the same limits. Lump sum benefit cap will hence be: Php 50,000 x 36 months = Php 1.8M

Can another person apart from the individual whose name is reflected on the bill be insured? (ex. What if John pays for his father’s utility bill using his GCash account?)

Yes. The Insured is the GCash account owner who has successfully paid a selected bill and the premium due via his GCash account.

Are all bill types eligible for GInsure Bill Protect?

Yes, all biller categories are eligible for GInsure Bill Protect.

Claim

How do I file a claim?

Visit the Chubb Claims Centre at www.chubbclaims.com.ph and submit your claim from anywhere and on any device. You will also have real time access to your claims status. Customer Service and Claims business hours : Mondays to Fridays: 8:30AM to 5:30PM

What are the requirements when filing a claim?

Claims Documentary Requirements:

  1. Valid ID of the Insured (GCash User) or of the Beneficiary of the GCash User
  2. Birth & Death Certificates of the Insured
  3. Proof of Relationship to Beneficiary
  4. Attending Physician’s Report
  5. Original Copy of Police Report
  6. Notarized Affidavit of Witness
  7. Autopsy Report or Medico-Legal Statement

Cancellation

Can I cancel my insurance cover?

You can request cancellation of your cover during the free-look period which is within 7 days from the time of successful Pay Bills transaction with enrollment to GInsure Bill Protect. If you cancel within this period, the premium will be refunded to your GCash wallet in full. If you cancel after this period, no refund will be made.

Exclusions – What we are not able to cover

What we are not able to cover for GInsure Bill Protect?

Accidental Death and Permanent Disablement arising from:

  • Self-inflicted injury
  • Suicide
  • Criminal or illegal act
  • Being under the influence of alcohol or unprescribed drugs
  • HIV/AIDS related
  • Conditions arising from abortion, pregnancy, childbirth or miscarriage
Pay Bills

Frequently Asked Questions

Be financially secured and stay prepared for medical emergencies with GInsure!

GInsure is a feature on the GCash app that offers GCash customers access to multiple insurance products that give you cash assistance and medical coverage. Currently, GInsure gives GCash users access to fuss-free protection that is easy to purchase, manage and made even more affordable.

GInsure in partnership with CHUBB offers Bill Protect for a low cost of 0.92% of the bill amount that allows users to get insured against accidental death and permanent disablement for thirty (30) calendar days, effective on the day of successful GCash Pay Bills transaction with enrollment to GInsure Bill Protect, which renders the user unable to earn and settle his/her payment obligations. The policy pays out a lump sum benefit which covers up to thirty-six months (three years) of the GCash bill payment amount at the time of enrollment.


GInsure in partnership with Singlife currently offers these comprehensive, affordable and easy to avail insurance products:

  • Cash for Dengue Costs (with FREE COVID-19 Cover)*
  • Cash for Income Loss (Accidents)
  • Cash for Income Loss (Any Cause)

You can easily buy these products, manage your policies, and file claims** all inside the GCash app, just simply click on GInsure.

*for the first 20,000 customers only

**for Cash for Dengue Costs (with Free COVID-19 Cover) only

Chubb is the world’s largest publicly traded property and casualty insurance company. Present in the Philippines as a branch of Insurance Company of North America for more than 70 years, Chubb’s prompt and proactive claims service is highly acclaimed globally.

GInsure in partnership with CHUBB offers Bill Protect for a low cost of 0.92% of the bill amount that allows users to get insured against accidental death and permanent disablement for thirty (30) calendar days, effective on the day of successful GCash Pay Bills transaction with enrollment to GInsure Bill Protect, which renders the user unable to earn and settle his/her payment obligations. The policy pays out a lump sum benefit which covers up to thirty-six months (three years) of the GCash bill payment amount at the time of enrolment.

You can avail GInsure Bill Protect as add-on every time you make a Pay Bills transaction via the GCash app.

STEP 1. Login to your GCash app, then click the Pay Bills icon
STEP 2. Choose a qualified biller (Electric Utilities, Water Utilities, Cable/Internet, Telecoms)
STEP 3. Tick the box saying “Insure me now for PhpXX.XX”
STEP 4. Select your payment source and click “Next”
STEP 5. Review your bill details then click “Confirm”

You can enroll if you are:

  • are within 18-75 years old
  • are a Filipino or legal Philippine resident
  • have a GCash account
  • are going to pay for a qualified bill in Pay Bills section of the GCash app

It covers the insured bill for 36 months if the payer is unable to earn and settle his/her payment obligations due to accidental death and permanent disablement. The policy pays out a lump sum benefit which covers up to thirty-six months (three years) of the GCash bill payment amount at the time of enrolment.

The Insured is the GCash account owner who has successfully paid a selected bill and the premium due for GInsure Bill Protect via his GCash account.

Example: John pays for his father’s bill via his GCash account and enrolls it to GInsure Bill Protect. John is the Insured.

The benefit is payable to the Insured (GCash user), or in case of the Insured’s death, to the beneficiary designated by the Insured, or in the absence of beneficiary designation, to the person or persons in the following order of preference:

  • Legal spouse
  • Children
  • Parents
  • Siblings

Thirty (30) calendar days, effective on the day of successful GCash Pay Bills transaction with enrollment to GInsure Bill Protect, after which coverage will end.

*You may enroll and pay the premium again when you make another GCash bill payment, upon which your coverage will reset for another 30 calendar days from the date of enrollment.

Yes, you will have the opportunity to enroll a bill every time you make a Pay Bills transaction via the GCash app. The more bills paid and enrolled under GInsure Bill Protect, the bigger the lump sum benefit amount will be under the covered period.

  • Sample Illustration
    • John paid 4 different bills on different dates and enrolled each of them with Bill Protect
    • He had an accident on January 29, 2021
    • John has a total of 4 active policies on the date of the incident

GCash has a maximum total transaction amount per user which is Php 50,000.00 per month. Cap for insurable amount will follow the same limits.

Lump sum benefit cap will hence be: Php 50,000 x 36 months = Php 1.8M

The premium is computed as: Bill Payment Amount x 0.920%

Yes. The Insured is the GCash account owner who has successfully paid a selected bill and the premium due via his GCash account.

Yes, all biller categories are eligible for GInsure Bill Protect.

Visit the Chubb Claims Centre at www.chubbclaims.com.ph and submit your claim from anywhere and on any device. You will also have real time access to your claims status.

Customer Service and Claims business hours : Mondays to Fridays: 8:30AM to 5:30PM

What are the requirements when filing a claim?

Claims Documentary Requirements:

  1. Valid ID of the Insured (GCash User) or of the Beneficiary of the GCash User
  2. Birth & Death Certificates of the Insured (Death certificate only for death related cases)
  3. Proof of Relationship to Beneficiary
  4. Attending Physician’s Report
  5. Original Copy of Police Report
  6. Notarized Affidavit of Witness
  7. Autopsy Report or Medico-Legal Statement

You can request cancellation of your cover during the free-look period which is within 7 days from the time of successful Pay Bills transaction with enrollment to GInsure Bill Protect.

  • If the you cancel within this period, the premium will be refunded to your GCash wallet in full.
  • If you cancel after this period, no refund will be made.

What we are not able to cover for GInsure Bill Protect:

Accidental Death and Permanent Disablement arising from:

  • Self-inflicted injury
  • Suicide
  • Criminal or illegal act
  • Being under the influence of alcohol or unprescribed drugs
  • HIV/AIDS related
  • Conditions arising from abortion, pregnancy, childbirth or miscarriage
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