online guide to nonlife insurance | car, motor vehicle insurance, free online quote =)

Get your insurance now! =)

2020-10-15T19:25:00.000-07:00

WHAT WE OFFER::

FIRE AND ALLIED LINES
MOTOR VEHICLE
PERSONAL ACCIDENT
CASUALTY
LIABILITY
ENGINEERING
MARINE
SURETY

ADVANTAGES OF DEALING WITH A LICENSED AGENT

Intermediaries such as insurance agents and brokers represent both the interest of the insured (that means YOU the client) and the insurance company. Good insurance agents and brokers will provide you the following:

Fast and personalized service.
Assistance in insurance claims and vehicle repair.
Reminders on your renewal policy.
Explanation of your policy.
The very best rate and coverage for your specific needs.
Pick up and deposit of your payment and policy
Representation of an insurance company that promptly pays valid insurance claims

So for any inquiries, just contact me! I'll be happy to help you out!

Your NonlifeInsurance Agent,

Karen R. Mangilit =)
Email: kmangilit@yahoo.com
Mobile: 09175379492

Insurance Company:

MAPFRE-INSULAR
Acacia Avenue, Madrigal Business Park
Ayala Alabang, Muntinlupa City 1770
Philippines
www.mapfreinsular.com

Hospital Cash Protection Plan

2008-03-15T21:03:00.000-07:00

Hospital Cash Protection Plan
A hassle-free plan that provides you a fixed daily cash benefit in case of hospital confinement due to a covered sickness or injury.

2 Plans to Choose from:
PLAN 1000

Pays you up to a maximum of Php500,000 cash benefit on top of your other hospital insurance benefits.

Pays you Php1,000 daily cash benefit for up to 365 days starting on your first day of hospital confinement due to accident or after 24 hours for a covered illness.

Additional Benefits:

50% increase in daily cash benefit up to Php1,500 per day in case of Intensive Care Unit (ICU) confinement.

Free 10% increase in hospital benefits cover upon renewal for every claim-free year up to a maximum of 50% of original benefit.

Surgical Cash Benefit up to Php10,000 for every covered surgery

Pays up to Php250,000 for Accidental Death or Disablement

PLAN 2000

Pays you up to a maximum of Php1,000,000 cash benefit on top of your other hospital insurance benefits.

Pays you Php2,000 daily cash benefit for up to 365 days starting on your first day of hospital confinement due to accident or after 24 hours for a covered illness.

Additional Benefits:

50% increase in daily cash benefit up to Php3,000 per day in case of Intensive Care Unit (ICU) confinement.

Free 10% increase in hospital benefits cover upon renewal for every claim-free year up to a maximum of 50% of original benefit.

Surgical Cash Benefit up to Php20,000 for every covered surgery

Pays up to Php500,000 for Accidental Death or Disablement

Other Features

Hospital cash benefits paid directly to YOU, not to a doctor or hospital

No Medical Examination required- Just fill out the application form and choose the plan that suits your needs

All hospitalization benefits start from the First day of confinement

Plan can be extended to cover: (a) Your spouse up to 100% of the principal benefits; (b) Your dependent Children, single & up to 21 years of age at 75% of the principal benefits

Low and Affordable premiums

Convenient Payment options - annual, six month or three month payment mode.

Important Information
1. This plan does not cover claims in connection with:
a. warlike risks, acts of terrorism, acts of nature
b. self-inflicted injuries, suicide or attempted suicide, alcoholism, drug addiction, insanity,
nervous or mental diseases or disorders
c. pregnancy, childbirth, miscarriage, abortion, cosmetic surgery or complications of any of
these
d. the insured's performing or attempting to perform an unlawful act
e. congenital deformities
f. routine physical check-up and rest cures
g. treatment, examination and immunization of Acquired Immune Deficiency Syndrome
(AIDS) and other related viruses
h. pre-existing illnesses, health conditions for which you received advice or medical treatment
within 24 months

2. This policy does not cover death or disablement:
a. caused by murder or provoked assault or any attempt threat
b. occurring whilst the insured is traveling by chartered flights
c. consequent upon the insured engaging in dangerous sports, motorcycling, or using
woodworking machinery driven by mechanical power

** You might say that there are soooo many clauses, come to think of it, there are a lot. But, if you think about it, it still sounds like a good idea to get a plan because if you do get hospitalized for a covered sickness, getting a P1000-P2000 a day would help lessen the burden of all the hospitalization expenses.

(the maximum of P500,000 cash benefit is based on a computation of a hypothetical incident wherein you get confined for a long period of time and the P500,000 is the accumulated cash benefit. you don't get the P500,000 if you are confined only for a week because the cash benefit is based on a daily basis. -- just so you don't get confused with the numbers; some people might mistake the P500,000 as the maximum benefit not considering the way the plan goes.)

So if you are still interested. (and of course i hope you are, after all you did read this far) Send me an email! =)

Karen Mangilit
kmangilit@yahoo.com
09175379492

SMS Claim Facility!

2008-02-04T19:26:00.000-08:00

SMS CLAIM FACILITY!

With the new Mapfre Insular SMS facility, you can now file or follow up your claim by sending a message to 2861 for Globe, Smart and Sun Cellular subscribers:

New Claim: MIIC CLAIM
ex. MICC CLAIM MCPCH0127371 03233007 8764444

Follow up: MIIC STATUS
ex. MIIC STATUS MCCVHO74300007

Become a Nonlife Insurance Agent!

2008-01-27T05:58:00.000-08:00

Want to be a nonlife insurance agent?

3 easy steps!

Attend the one-day seminar
Pass the licensure exam of the Insurance Commission
Start doing Business!

Being an insurance agent is simple. All you have to do is network, talk to ALL potential clients, know your product and be honest.
Don't expect to reel in clients by batches, it takes time to build up your own personal network. So think positive and be patient. (Yes patience my dear friend!)

Contact me for the seminar schedules

Karen Mangilit
09175379492
kmangilit@yahoo.com

What is CTPL

2007-11-29T21:21:00.000-08:00

CTPL is also known as Compulsory Third Party Liability

This is type of insurance is mandated by Philippine law. All vehicles must have a CTPL. The CTPL covers third party liabilities that are due to bodily injury or death of pedestrians or other third parties.

The limit of the liability is Php100,000.00 per accident subject to a schedule of benefits per type of expense.

What is the difference between COC and CTPL?

A COC means Certificate of Cover. This is the document presented to the Land Transportation Office (LTO) upon vehicle registration as proof of a CTPL cover.

What do you mean by NO FAULT INDEMNITY?

No fault indemnity means the maximum amount the insurance company is required to pay a third party who is injured/killed in an accident which involves the insured's vehicle. This is without necessity of proving fault or negligence on the part of the insured. The limit of this benefit is Php10,000.00 per person.

How do you claim under the no fault indemnity?

The documents that are required are the following:
i. Police report or accident or any evidence sufficient to establish the accident, and ii. Medical report and evidence of medical or hospital expenses and/or; iii. Death Certificate and evidence sufficient to establish the proper payee

*this is for your general knowledge. please contact us or your own insurance company for more details.

Karen Mangilit
kmangilit@yahoo.com

What damages are covered?

2007-11-26T18:52:00.000-08:00

What Damages are Covered?

Regarding Motor Car insurance policies, you're probably wondering what are the grounds so that my claim would be considered valid.

The following paragraphs enumerate some of the damages covered and not covered*:

Damages due to the following are COVERED: a) accidental collision or overturning b) fire, external explosion, self-ignition c) lightning d) burglary, housebreaking or theft e) malicious acts other than those caused by the insured, a member of his family or person in his service.

Damages due to the following are NOT COVERED: a) Consequential losses such as car rental and other transportation expenses. b) Depreciation and wear and tear. c) Mechanical or electrical breakdowns (although accidents consequent upon mechanical or electrical breakdowns, i.e. faulty breaks, are covered). d) Damage to tires unless in connection with an accident involving the vehicle. e) Malicious damage caused by the insured, any member of his family or person in the insured’s service. f) Damages not due to the perils insured against.

Additional notes:
Coverage continues during transit by land, inland waterway, lift or elevator. Coverage does not extend to transit by inter-island vessels navigating on open seas or by aircraft.

The vehicle continues to be covered while being towed provided the damage is due to the causes listed above (Item 1). Note that collision damage should be accidental. Thus, if the damage is due to improper towing this cannot be considered accidental.

Hope this helps you understand more about car insurance.

Karen Mangilit

*For more frequently asked questions regarding motor car insurance comprehensive you may visit MAPFRE-Insular's main website at: http://www.mapfreinsular.com/helpful/default.asp?fCat=4

What is a deductibe?

2007-11-26T18:40:00.000-08:00

What is a deductible?

Let's say you just got a Comprehensive Policy and then you see an item that says Deductible: P5,000. What is that?! Well, here's a brief explanation of what it is:

This is the amount that the company is not liable for. Let's say the deductible is P5,000 and you file a claim that totals only P2,000, the company shall not pay the P2,000. Anything below P5,000 is your liability, and whatever is in excess of P5,000 is the company's liability.

The following are the standard deductibles under the Motor Tariff: Private Car 0.5% of Sum Insured under Sec. III – Loss & damage, minimum of PhP 2,000. Commercial Vehicles 1.0% of sum insured under Sec. II – Loss and damage, minimum of PhP 3,000. Land Transportation Operators 1.25% of sum insured under Sec. II – Loss and damage, minimum of PhP 4,000. Motorcycles 1.0% of sum insured under Sec. II – Loss and damage, minimum of PhP 500.

PS. If you have a question please feel free to ask me: kmangilit@yahoo.com =)

Used Cars and Insurance

2007-11-23T06:46:00.000-08:00

Second Hand / Used Cars and Insurance?

Some people wonder if they can still get their old cars (like 7years and older) or used/second hand cars insured? Well the answer is... YES! Yes you can still get a comprehensive plan. MAPFRE Insular just requires the car to be brought to the office so they can inspect it and give you a correct valuation.
Is an old car still worth insuring? Well, I think it would still be helpful, you would still get the benefits and the services that a new car would. So getting insurance would still be a good move even though the car is old.

Karen Mangilit

Auto Insurance Quote

2007-11-21T18:03:00.000-08:00

Auto Insurance Quote

So now you might be thinking, how much does a comprehensive insurance policy cost anyway?
Good question! Well, it depends. I can give you a quote (free of charge of course). All I need is the basic details of your car, Year, Make, Model, A/T or M/T. Then if the quote is good for you, that's the time we get the other personal details =)

You can email me or text me if you want a quotation =)

Karen Mangilit
09175379492
kmangilit@yahoo.com

Travel Insurance

2007-11-19T22:06:00.000-08:00

Are you planning to travel some time soon?
Holiday season is almost near!

Just before you travel, why don't you try getting some travel insurance to help you along the way?
After all, it'll be helpful especially if your in an unfamiliar country. =)

MAPFRE Insular offers worldwide travel protection plus travel services anytime anywhere!
From Travel Assistance Services to Personal Liability Abroad and more!

Here are our list of benefits: **taken from MAPFRE Insular's Website

BENEFITS		LIMITS
TRAVEL ASSISTANCE SERVICES	Personal Assistance	STANDARD	DE LUXE
	Medical Expenses and Hospitalization Abroad	$20,000 excess of $90	$45,000 excess of $90

	Transport or repatriation in case of illness or accident	Unlimited
	Emergency Dental Care	$200 excess of $60
	Provide dental care assistance
	Repatriation of family member traveling with insured	Unlimited
	Repatriation of mortal remains	Unlimited
	Escort of dependent child	Unlimited
	Travel of one immediate family member	Travel cost plus up to $100 /day; Max $1,000
	Emergency return home ff. death of close family member	Unlimited
	Delivery of Medicines	Unlimited

	Relay of Urgent Messages	Unlimited
	Arrange for relaying of urgent messages
	Long Distance Medical Information	Unlimited

	Medical Referral / Appointment of Local Medical Specialist	Unlimited

	Connection Services	Unlimited

	Advance of Bail Bond	$1,000

	Trip Cancellation	$3,000 (deductible of $30)
	.
	Delayed Departure	$200

	Compensation for in-flight loss of checked-in baggage	Up to $1,200 subject to limit of $150 /item(deductible $30)

	Compensation for loss of luggage due to theft	Up to $1,000 subject to limit of $100 /item
	Baggage Delay	Up to $50
	.
	Location and forwarding of baggage & personal effects	Unlimited

PERSONAL LIABILITY ABROAD		$10,000	$20,000
PERSONAL ACCIDENT COVERAGE		$10,000	$20,000

Note: Money, jewellery, debit and credit cards, and any type of document in lost luggage are excluded from Baggage Coverage

Hope to hear from you soon!

Karen Mangilit =)

One of the best insurance companies

2007-11-19T20:27:00.000-08:00

So you're probably wondering if MAPFRE-Insular is better than other insurance companies... well of course my answer would be Yes. Haha

The best thing about MAPFRE Insular is the claiming process. It's EASY and HASSLE FREE. You don't have to worry whether the company will pay you or not; as long as everything's in order things will go smoothly.

Plus! If you ask around, our premiums may not be one of the cheapest (we are lower than other big insurance companies though), but you have to pay for the quality of service.

So... insure now!

Karen Mangilit

Here's a bit of MAPFRE-Insular's background taken from mapfreinsular.com:

Corporate Profile

Mapfre Insular ranks among the leading and more stable insurance providers in the country. With over 70 years of experience, we pride ourselves for having earned a solid reputation as a highly dependable and reliable company committed to delivering outstanding products & services to our clients.

Apart from our extensive experience, we are distinguished by our name and affiliation with two well-known and respected industry giants: MAPFRE of Spain and Insular Life. The alliance has harnessed the strengths of both partners by integrating the technical expertise and efficiencies that have driven Mapfre companies worldwide and leveraging the business partnerships of Insular Life and the local familiarity of the Insular brand.

Our competitive advantage lies not just in our size, resources and diverse products but from the priceless intangibles that go into what we offer to customers and partners: quality service and single-minded dedication to customer satisfaction. Our goal is, and has always been to exceed the expectations of every client.

Key to our growth is our ability to adapt to the changing demands of the marketplace. We have set new standards for accessibility, speed and efficiency throughout the service chain with our fresh and innovative approach to long established procedures and systems in the insurance industry. We aim for client convenience as we continually develop and enhance our delivery systems, products and services, client access and claims procedures evidenced by what we have currently in place: simplified claims processing & documentation, easy reporting of claims via our call center and SMS messaging facility, nationwide on- line system for claims and policy issuance, 24/7 road and home assistance programs and our very own co-branded credit card facility- the Mapfre Insular Red Card.

Exceptional products, quality service and technical expertise coupled with our adherence to good governance and corporate ethics make Mapfre Insular the preferred insurer.

Ownership Structure Mapfre Insular is 75 % owned by Mapfre of Spain and 25 % by Insular Life Assurance Co. Ltd., of the Philippines.
The Mapfre Group is the largest insurance conglomerate in Spain with consolidated earnings of 13.234 million euros, and total consolidated assets at over 33.718 million euros as of 2006. It has over 3,000 branches in Spain and other countries with more than 28,000 employees and 45,000 agents worldwide. The Mapfre Group is engaged in life and general insurance, reinsurance, banking and finance, property development, and other related services in Spain and 36 other countries.	Insular Life is the first and largest domestic life insurance company in the country. It has a network of more than 100 branch offices nationwide, with consolidated assets of PHP54.7 billion and net income of PHP1.2billion as of June 2007.

Milestones


1934	1935	1995	2005
Company is founded under the corporate name of Provident Insurance Corporation.	Provident Insurance is acquired by A. Soriano Corporation.	Mapfre with Asian Bank as partner, acquires Provident and renames the company Mapfre Asian Insurance	Mapfre Asian merges with InsularGen, the non-life arm of Insular Life. The company is renamed MAPFRE Insular Insurance Corporation.

trivia: MAPFRE stands for Mutualidad Agrupación de Propietarios de Fincas Rústicas de España

Car Insurance

2007-11-11T03:14:00.000-08:00

Auto Insurance

Just what you need to protect your vehicle against loss/damage. Plus cover liabilities that arise from bodily injury and property damage to third parties.

A comprehensive plan usually covers: vehicle damage, theft/carnap, liabilities arising from use of your vehicle, damage to properties of third parties, bodily injury/death of third parties, bodily injury/death of passengers and medical expenses.

MAPFRE Insular's Auto Comprehensive Plan offers the following*:

LOSS OR DAMAGE COVER FOR YOUR VEHICLE due to accidental collision, fire, theft, explosion, overturning or malicious damage

LIABILITIES COVER for BODILY INJURY to third parties in excess of the CTPL cover, up to a maximum of P200,000.00 (may be increased subject to additional premium).

LIABILITIES COVER for PROPERTY DAMAGE to properties of third parties from the use of your vehicle up to a maximum of P200,000.00 (may be increased subject to additional premium).

Plus an OPTIONAL COVER:

UNNAMED PASSENGERS PERSONAL ACCIDENT PROTECTION up to P50,000.00 per person, with a maximum of P250,000.00 per vehicle for death or permanent disablement due to an accident while riding in your vehicle. With this additional cover, you get a medical coverage free of charge:

MEDICAL EXPENSES PROTECTION for medical expenses incurred by the passengers of the insured vehicle due to an accident while riding in your vehicle up to a limit of P5,000.00 per passenger, with a maximum of P25,000 per vehicle.

To top all of that get the following additional benefits free of charge. Enjoy the MAPFRE INSULAR Advantage with your comprehensive cover.

24-hour roadside assistance * for accidents and vehicle breakdown
Towing expense up to P2,000
Free Security Glass Etching
Legal Assistance for you or your authorized driver
Bail Bond

**Keep in mind that these plans may be customized to your preference! Let's say you want to increase your Bodily Injury Coverage - we can do that by simply adjusting your premium!

Disclaimer:
*Content is taken from Mapfreinsular.com and contains only a general description of coverage and is not a statement of contract. Coverage is subject to the exclusion and conditions of the actual policy. Policy applications are subject to the approval of MAPFRE INSULAR.
Contact me, Karen Mangilit, kmangilit@yahoo.com, 09175379492, for more information =)

Fire insurance

2007-11-10T19:49:00.000-08:00

FIRE and ALLIED LINES

Protect your home! It pays to be safe. Fire insurance protects homeowners from damages to property due to fire and lightning.
And if you want added security, your coverage may be extended to include protection against other natural perils: earthquake, typhoon, flood and volcanic eruptions. Social disturbances may also be covered, these include strikes, riots and civil commotion.

There are two main coverages: one for Residential Risks the other for Commercial and Industrial Risks

RESIDENTIAL INSURANCE: The "La Casa Homeowner's Insurance"
Let us protect one of your most valuable assets - your home! su casa! There are two La Casa packages, the La Casa Simple and the La Casa Completo

La Casa Simple: covers damages to your home and its contents caused by fire and lightning only. But, there are 5 additional benefits which are included free of charge - home assistance (for Metro Manila residents) or intensive care unit assistance (outside Metro Manila), relocation allowance, legal assistance, hospital allowance and bereavement assistance.

La Casa Completo: covers damages to your home and its contents caused by fire, lightning, earthquake, typhoon, explosion, vehicle impact, robbery, riot, strike and malicious damage. Plus additional benefits such as personal accident, liability protection, fire fighting expense, debris expense, loss and damage of residence employees' property.

COMMERCIAL AND INDUSTRIAL INSURANCE
These risks refer to building, stocks, office/building contents, building improvements. We can design a package that would address your immediate needs. As businessmen and women we must be ready for unwanted and unforeseen events that might occur.

Disclaimer:
This website contains only a general description of coverage and is not a statement of contract. Coverage is subject to the exclusion and conditions of the actual policy. Policy applications are subject to the approval of MAPFRE INSULAR. Contact me, Karen Mangilit - kmangilit@yahoo.com, 09175379492 for more details.