The Compulsory Third Party Liability (CTPL) coverage is mandated by the
Land Transportation Office (LTO) of the Philippines for all motor vehicle owners. This driver of the insured vehicle is protected by this coverage from any possible liability for a
third party caused by motor vehicle accidents.
Land Transportation Office (LTO) of the Philippines for all motor vehicle owners. This driver of the insured vehicle is protected by this coverage from any possible liability for a
third party caused by motor vehicle accidents.
Schedule of indemnities for bodily injury and/or death
A. Death Indemnity
| DEATH INDEMNITY | AMOUNT (PHP) |
|---|---|
| Death Indemnity | 70,000 |
| Burial and funeral expenses | 30,000 |
B. Bodily Injuries and Fractures
| TYPES OF ACCOMODATION OR PROFESSIONAL ATTENDANCE EXTENDED | SERVICE RENDERED | MAXIMUM REIMBURSABLE FEES AND/OR CHARGES (PHP) |
|---|---|---|
| 1. Hospital Rooms | Max of 45 days per accident | 500.00/per day |
| Laboratory examinations fees, x-rays | 2,000.00 | |
| 2. Surgical Expenses | Major Operation | 7,500.00 |
| Medium Operation | 5,000.00 | |
| Minor Operation | 1,500.00 | |
| 4. Operating Room | Major Operation | 1,500.00 |
| Medium Operation | 1,000.00 | |
| Minor Operation | 500.00 | |
| 5. Medical Expenses | For Daily visits of Practitioner or Specialist | 400.00/per day |
| The total amount of medical expenses must not exceed (for a single period of confinement) | 5,000.00 | |
| 6. Drug and Medicine | Actual value of drugs and medicine used but not to exceed | 20,000.00 |
| 7. Ambulance Charge | Actual value of ambulance transport used but not to exceed | 1,500.00 |
C. Permanent Disablement
| LOST OF OR LOST OF USE OF | AMOUNT (PHP) |
|---|---|
| Two Limbs | 50,000 |
| Both Hands, or All Finger or Both Thumbs | 50,000 |
| Both Feet | 50,000 |
| One Hand and One Foot | 50,000 |
| Sight of Both Eyes | 50,000 |
| Injuries resulting in being permanent bedridden | 50,000 |
| Any Other injury causing permanent total disablement | 50,000 |
| Arm at or above elbow | 20,000 |
| Arm between elbow and wrist | 15,000 |
| Hand | 15,000 |
| Four Fingers and Thumb of one Hand | 15,000 |
| Four Fingers | 12,000 |
| Leg at or above knee | 20,000 |
| Leg below knee | 15,000 |
| One Foot | 15,000 |
| All Toes of one foot | 10,000 |
| Thumb | 8,000 |
| Index Finger | 6,000 |
| Sight of One Eye | 20,000 |
| Hearing - Both Ears | 30,000 |
| Hearing - One Ear | 15,000 |
D. Other Incidental Expenses
The company will pay all pertinent and reasonable expenses incurred in connection with the accident no provided under this Schedule of Indemnities (A), (B) and (C), subject to a maximum amount of PhP10,000.00 but in no case shall the Company's aggregate payment exceed the overall limits under Sections I and II.
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