Pays up to the Sum insured in the event of death due to accident. It provides protection to an insured person twenty-four (24) hours a day, on or out of office throughout one (1) calendar year but not to exceed twelve (12) months.

When injury does not result in loss of life of the Insured within twelve calendar months after the accident but results to any of the following losses:

Pays for death or permanent disablement sustained as a direct result of the insured being a victim of Unprovoked Murder or Assault. This benefits does not extend to cover Unprovoked Murder & Assault occurring in the following geographical areas, including their cities, barrios, and barangays:

1. Lanao Del Norte
2. Lanao Del Sur
3. North Cotabato
4. South Cotabato
5. Zamboanga Del Norte
6. Zamboanga Del Sur
7. Maguindanao
8. Sultan Kudarat
9. Sulu Archipelago
10. Basilan

Pays for medical expenses incurred due to accidental bodily injury.

Pay for the funeral expenses incurred following an accidental death.

Pays for the daily allowance to the insured as a result of accident hospital confinement up to a maximum of 7 days provided that Pregnancy, Aids, self-inflicted injury or illness, suicide, alcoholism, drug abuse, pre-existing conditions and Communicable Disease are excluded from this program.

Pays for the loss and damages incurred to the Insured’s declared house residence or contents due to fire and lightning. Unless otherwise expressly stated in the policy, this insurance does not cover:

1. Goods held in trust or commission.
2. Bullions or unset precious stones.
3. Any curiosity or works of arts.
4. Manuscript, plans, drawings or other designs, patterns or moulds.
5. Securities, obligations or documents of any kind, stamps, coined or paper money, cheques or book of accounts or other business books, computer system record
6. Loss or damage to any electrical machines or apparatus or any portion of an electrical installation arising from or occasioned by over running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity of whatever cause (lightning included), unless fire ensues therefrom and liability shall be limited to actual damage cause by the ensuing fire.

The Company will pay the insured for costs and expenses, which the insured may be obligated to pay for the bodily injury and damage to a property belonging to third party as a result of negligence sustained during organized group rides or races.

Guidelines

• The minimum number of members should be 20, if less than 20 but not less than 10 members, an additional 50% premium surcharge per member will apply.
• Age eligibility is 18 – 65 years old.
• Insured must declare their permanent residence address upon issuance.

Exclusions:

• Any loss or disability caused directly or indirectly, wholly or partly by suicide, self inflicted injuries, while sane or insane, insurrection, war declared or undeclared, participating in riot, committing an assault or felony, injuries sustained while under the influence of prohibited drugs or alcohol, illegal acts. Have been violating laws and regulation are not covered.
• Injuries arising out of the Insured engaging in hunting, racing (except foot racing and amateur bicycle racing), steeple chasing, polo playing, mountaineering, scuba diving, hand gliding, winter sports, all professional sports like ice hockey, football or rugby, basketball, volleyball or any other contact sports that require to sign a waiver are NOT COVERED under the proposed plan.
• Work related death and injury of the Insured who belong under the following categories are not covered under the plan: Security/Military personnel, people in the police force, Barangay Tanods, crew members of vessels/aircraft, professional athletes, professional entertainers (including actors), window cleaners, divers, loggers, fireman, public utility drivers including delivery riders, miners, pilots, rangers, linemen, acrobats/stuntmen, national journalists/news reporters, off-shore oil or gas rig worker, tree feller, politicians and other known celebrities/personalities, seaman/vessel crewmembers and any offshore activities/trainings.
• Any loss related to motorcycling is not covered.

General Exlusions:

• Communicable Disease 
• Sabotage & Terrorism
• Total Asbestos
• Cyber & Data Loss

Q: Will coverage extend to participation in non-professional competition/tournaments including fun rides, trail cycling and the like?
A: Yes, Amateur and Social Sport are covered.
       Definition:

• Amateur sports are typically organized and governed by sports organizations or governing bodies. These sports may include Olympic sports such as athletics, swimming, and gymnastics, as well as other sports such as tennis, golf, and cycling. Insured may compete individually or as part of a team, and may train and compete at a high level while still maintaining other commitments such as work or school.
• Social sports, on the other hand, are generally more relaxed and recreational in nature. These sports are often played for fun and fitness, rather than for competitive reasons, and may be organized by groups of friends or community organizations.

Q: Will coverage be for each and every incident (except death, disablement/dismemberment) or on the aggregate?
A: Personal Accident is per occurrence

Q: Will there be a master or individual policy to be issued?
A: This is a group personal accident line, one mater policy must be issued per club

Q: Can insured consists of a group of friends but not necessarily organized as a “Club”?
A: No, it should be under association/ club

Q: Can insured consists of enrollees from different per groups in order to meet the minimum 20 (or at least 10) members?
A: No, it should be one group only from same club

Q: Is it possible to enroll someone who is not a cyclist just to meet the required number of enrollees?
A: No. This product is designed for cyclist only

Q: Is combination of Plans I and II per group allowed?
A: No, one Plan only

Q: For Daily Hospital Income Benefit, will it cover pre-existing condition but discovered only at the time of accident?
A: No, pre-existing conditions is not covered

Q: For Fire Assistance Benefit, will water damage in the course of firefighting operations be covered (i.e. without actual fire/lightning damage to the declared residence)?  
A: No, coverage for water damages, it should be fire and lightning damages only.

Q: What would be the major difference of MyCycling clubs with regular individual Personal Accident Insurance?
A: The major difference between Cycling Club Personal Accident Insurance with regular individual Personal Accident Insurance is the coverage provided for specific risks associated with the respective activities as a group and we can cover any walks of life/ open market that will cater insurance with or without job.

     This also includes coverage for personal liability sustained while the club is doing its activities. The policy may also include additional benefits, such as coverage for Fire Cash Assistance benefits.

Q: Can the program insure delivery riders?
A: Yes, but work related of public utility drivers are not covered.

Q: Can the bicycles (e.g. mountain bikes, etc.) be insured?
A: All type of bicycles are acceptable as long as they are active members of a club, coverage.