GCash Insurance is a comprehensive insurance product of Life, Personal Accident (PA) and Daily Hospital Income (DHI) insurance for GCash users. It is an innovative offering which provides valuable financial protection in the event of  hospitalization, accident, and/or death. GCash Insurance is powered by MicroEnsure and underwritten by AXA, both leading players in the industry.

To avail of GCash Insurance, you need to be:

• A Fully Verified (KYC) User: Find out more about getting verified here: https://www.gcash.com/get-verified
• Within the age of 18-64.
• Who can I nominate as my dependents under the family products?
• Married users may nominate the following dependents:
  • Legal spouse who is not older than 64 years of age.
  • Children that are 3 – 21 years old.
  • Single users may nominate the following dependents:
  • Parents who are not older than 64 years of age. 
  • Siblings that are 3 – 21 years old.

Make sure that you can provide a proof of relationship with these nominated dependents, such as a birth certificate or marriage certificate when making any claim.

Married users may nominate the following dependents:

• • • • Legal spouse who is not older than 64 years of age.
      • Children that are 3 – 21 years old.

Single users may nominate the following dependents:

• • • • Parents who are not older than 64 years of age. 
      • Siblings that are 3 – 21 years old.

Make sure that you can provide a proof of relationship with these nominated dependents, such as a birth certificate or marriage certificate when making any claim.

Please fill out this form with the details of your dependents as soon as possible to make any future claims easier to process: https://form.jotform.com/203498342020044

Only the owner of the account has to be a fully verified GCash user. The GCash user may then nominate two (2) dependents, who may or may not be GCash users.

Insurance is one of the best ways to stay financially protected for life’s emergencies and unexpected situations. It pays for your expenses when you encounter an emergency so that you don’t have to make use of your hard-earned savings. For a small fee every month, your insurance policy will be able to compensate you for accidents, injury, and sickness. It’s a great way to give yourself peace-of-mind as you live your life and is now more affordable with GCash Insurance!

GCash Insurance is an all-around insurance product that gives you access to Life, Personal Accident (PA), and Daily Hospital Income (DHI)–three of the most common insurance products everyone must have. What do each of these things mean?

• Personal Accident: Accidents and injuries can happen at any given moment. In the event of an accident or injury, a sum of money pays out to support bills, recovery, and cover for overall financial support.
• Term Life: Death is difficult to experience. In the event of death a sum of money pays out to ensure that dependents and family are provided with financial support.
• Daily Hospital Income: Everyone gets sick and it can get expensive. In the event that a policyholder gets hospitalized, our coverage helps shoulder his/her daily expenses for their stay.
  

For Personal Accident, the following table can be used as reference:

To learn more about the specific situations and exclusions for these cases, you may also read through the detailed terms and conditions below:

You can check these 4 things to make sure.

• Eligibility: Are you a fully verified user within the age of 18-64? You can check this by going to your GCash profile in the app.
• SMS: Did you text the correct product code? Make sure you got the capitalization and spacing right!
• Balance: Does your GCash wallet have enough balance? Payments are automatically deducted from your balance so make sure there’s enough for us to activate!
• Processing Time: Our current processing time takes 1-2 days. If you haven’t gotten a response, rest assured that our team’s working on it. We’re looking for ways to make this faster in the future!

Your coverage under GCash Insurance starts the moment you receive the confirmation SMS 1-2 days after texting.

Do note that the insured member and dependents (if any) will only be eligible for a death benefit or hospital benefit after a 15-day waiting period from the start of his/her coverage, if death or hospitalization is due to sickness. No waiting period shall apply for death and hospital confinements due to accidents.

If you are availing of an INSUREME product, you don’t need to submit any additional documents! We try to make the process as seamless as possible for your convenience.

If you are availing of a family cover (INSUREFAM), you will need to fill out the dependent enrollment form here: https://form.jotform.com/203498342020044. In the event of a claim, you will also have to submit documents to prove your relationship with your nominated dependents, such as a birth certificate or marriage certificate.

Upgrading your plan is a great way to unlock more benefits and protection. To change your GCash Insurance policy, simply text the product code of the plan you want to change to. You will receive confirmation after the cutoff date of your current plan!

To ensure the smooth processing of your insurance cover, kindly fill out the form that is sent to you with the details of your dependents as soon as possible! These will make any claims later on easier to process.

You can cancel your GCash Insurance subscription any time you want. 

• Send us over an email to gcashinsure-support@microensure.com.
• You will receive SMS confirmation of your cancellation 1-2 days after sending your email.
• If you cancel within 15 days after your initial enrollment date and as long as you haven’t made any claims, you will receive a refund of the premium amount paid.

Upgrading your plan is a great way to unlock more benefits and protection. To change your GCash Insurance policy, simply text the product code of the plan you want to change to. You will receive confirmation after the cutoff date of your current plan!

1. To claim your insurance coverage, send over an email to gcashinsure-support@microensure.com. A person from the team will guide you through the process.
2. Help us understand your situation, tell us about what happened. We’d appreciate it if you have any supporting documents that could help us smoothly assess your claims!
3. We will process your claim and get back to you within the next few days. 

This is possible under the death benefit you can claim under our Term Life and Personal Accident Insurance. If  there is no beneficiary designated by the Member or if there is no designated beneficiary surviving  at the time of such payout, the following persons will be designated to receive the benefits, in the following order of preference:

1. Surviving spouse
2. Surviving children
3. Surviving parents
4. Surviving brothers and sisters
5. Estate executor or administrator

Your subscription is automatically renewed every month. The monthly premium amount will be deducted from your GCash wallet on each monthly cutoff.

In case you miss your payment, all you have to do is load/top-up your GCash account as soon as possible. It’s important to make sure you have funds in your GCash wallet for hassle-free payments! Don’t worry, you will have a 30-day grace period for renewals. Your cover will terminate at the end of the grace period if your monthly premium remains unpaid.

Yes. Death and Hospitalization due to COVID-19 is covered, however, insured member and dependents (if any) will only be eligible for a death benefit after a 15-day waiting period from the start of his/her insurance coverage. To claim the hospital cash assistance benefit, the insured GCash member or dependent must be a hospital inpatient and must have been confined for at least three (3) consecutive days.

The following cases shall not be eligible for benefit payment:

• Self-inflicted injury, suicide or any attempt threat
• Strike, riot, civil commotion, acts of terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation
• Any illegal act committed by the insured (murder, theft, drug-related crime, etc.)
• Childbirth and female reproductive illnesses
• Where can I go for support?
• Feel free to contact our help hotline at 2882 or email us at gcashinsure-support@microensure.com for any questions or concerns you might have! Our team will be more than happy to accommodate you.

Feel free to contact our help hotline at 2882 or email us at gcashinsure-support@microensure.com for any questions or concerns you might have! Our team will be more than happy to accommodate you.

General  Policy Details can be found here: https://www.gcash.com/smsinsure/