Please read the Terms and Conditions carefully before agreeing to be bound by the same. If you do not agree to be bound by the Terms and Conditions, do not continue with your transaction. Only upon acceptance of the Terms and Conditions contained herein, you will be entitled to submit electronic orders. Any violation of the terms will result in termination of your account.

• In order to contract with Pioneer Life Inc., you undertake that all details you provide to us are true and accurate, that you are an authorized user of the credit card used to place your order and that there are sufficient funds to cover the cost of the goods. Pioneer Life Inc. retains the right to refuse any order made by you. If your order is accepted, we will send you via email your insurance policy.


• When you place an order, you will receive an order confirmation e-mail confirming receipt of your order. This email will only be an acknowledgement and will not constitute acceptance of your order. A contract will not be formed until we send you your Proof of Cover via your e-mail.


• I understand and acknowledge that only individuals who are not below 1 year old and not over 70 years old at the chosen commencement date of coverage shall be insured under Pioneer Life Inc. Travel Buddy Adventure.


• I understand and acknowledge that the maximum coverage per individual on all Pioneer Life Inc. Travel Buddy Products is Php 100,000 for Accidental Death Benefit.


• I understand and acknowledge that "Accident" means any unintentional act or unforeseen, unusual, and unexpected event that directly causes an Injury or death.
  
  "Injury(ies)" means bodily injury(ies) that: (a) is/are sustained while the policy is in force, (b) is/are caused solely by external, violent and accidental means and independent of any other cause, and (c) produce a visible contusion or wound on the exterior of the body, except in the case of drowning or of internal injury revealed by an autopsy.
  
  "Disablement" shall be defined as permanent total and irrecoverable loss of use or entire physical loss caused by dismemberment. "Loss of Use" means the complete and permanent inability of the Insured Individual to move or perform an action for which his limbs, fingers, toes or metacarpals are normally fitted or used, or for which they normally exist. It includes paralysis, which means complete and permanent inability to move as a result of neurological damage.
  
  "Dismemberment" shall mean complete and permanent severance of any of the following: (a) hand - at the wrist; (b) foot - at the ankle joint.


• I understand and acknowledge that the total of the benefits for any one (1) Accident resulting to death or Disablement within 180 days from the date of Accident shall not exceed the Principal Sum for each Insured individual.
  
  The total benefits within the period of coverage resulting to Disablement shall not exceed the Principal Sum for any Insured Individual. Payment for Disablement benefits shall not terminate the insurance in so far as the benefit for accidental death is concerned. During the period of coverage, the benefit payable for accidental death arising from an independent and unrelated accident shall be the Principal Sum.


• I understand and agree that Pioneer Life Inc. shall not pay Accident Benefit forany loss resulting directly, indirectly or ultimately, wholly or partly, from any of the following:
  
  
  • Intentionally self-inflicted injuries and suicide or any attempt thereat, committed while the Insured Individual is sane;
  
  
  • Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring at the same time with or because of an accidental cut or wound;
  
  
  • Murder, assault or any attempt thereat, except as specifically provided under the Murder and Assault Provision;
  
  
  • Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form;
  
  
  • War, invasion, act of foreign enemy, hostilities or warlike operations(whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part;
  
  
  • Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination, and chemical or biological contamination. For the purposes of this exclusion" contamination means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause illness and/or disablement and/or death;
  
  
  • Accident occurring while the Insured individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft;
  
  
  • Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying, sailing or other hobbies which are comparable dangerous and risky unless additional premium is paid to cover such risk and an endorsement issued to that effect and attached to the group policy;
  
  
  • Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual;
  
  
  • Any violation or attempted violation of the law or resistance to arrest by the Insured Individual;
  
  
  • Cosmetic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured's person caused solely by Accident;
  
  
  • Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist, Window Cleaner, Secret Service Personnel, Fishermen, Loggers, Miners, Underground Workers, and Explosive Workers; and
  
  
  • Accident to any of the following persons: divers while performing underwater activities; Firemen while performing fire-fighting activities.
  
  
  • Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. An 'act of terrorism' means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm of whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
  
  


• I understand that the Accident Insurance shall apply while the Insured Individual is riding or operating any motorized two-wheeled vehicle EXCEPT such vehicle is being used for any race, speed test or exhibition or when the Insured Individual is under the influence of liquor, narcotics or prohibited drugs, or in the act of violating the law.


• I understand and agree that in case of a death claim, the beneficiary(ies) of the insurance proceeds shall be the following classes of beneficiaries in successive preference: the Insured Individual's (1) legal spouse, (2) child(ren), (3) parents, (4) brothers and sisters, and (5) insured's estate; unless the Insured Individual submits in writing name(s) of qualified beneficiary(ies) for proper endorsement by Pioneer Life Inc.


• I/We hereby authorize any medical practitioner, medically related facility, insurance company, government agency or instrumentality or any other personal information controller and processor who collects, holds, processes or uses any of my personal information, to disclose to, provide and/ or furnish Pioneer Life Inc., its reinsurers and/or any of their duly authorized representatives with, and for any of the latter to collect, retrieve, use and/or otherwise process, or to disclose, provide or furnish to other insurance company(/ies) and their affiliates or representatives, any personal information, sensitive personal information and privileged information, including copies (original or certified) of documents, relating to my health and personal identity necessary in any underwriting process and in the evaluation of any claims under this policy to be conducted by Pioneer Life Inc. or for any legitimate purpose. This authorization pertains to this application only. A photocopy of this authorization will be considered as valid as the original. It is understood that any action which any medical practitioner, medically related facility, insurance company, government agency or instrumentality or any other personal information controller and processor who collects, holds, processes or uses any of my personal information may take in connection with this authorization releases said persons or entities, or any and all members of their staff from any responsibility or obligation in connection with the release or processing of such records or information.