InstaProtect is a group yearly renewable term plan that is designed for Filipinos looking for affordable and easy to purchase life insurance plans for as low as P488 per year. Currently there are for variants to choose from based on your needs and preferences.

InstaProtect is available to all Filipinos in the Philippines who are 18-64 years old. InstaProtect is exclusively available to BPI account holders. They should also be generally in good health and actively performing all the activities of daily living.

Life insurance coverage is the amount which will be given to the elected beneficiaries of the insurance policyholder in the event that he or she dies. For example, if the face amount for the life insurance coverage is P100,000, the elected beneficiaries of the plan (usually family members) will receive the P100,000.

A master policy is a contract between an insurer and policyholder that provides coverage to a group of individuals. The InstaProtect Group Master Policy Contract (GMPC) includes important detail about your policy including coverage limits and exclusions.

Prior to your enrollment, you may request for a copy of the Group Master Policy Contract (GMPC) which you may inspect, read or copy, by reaching out to BPI AIA Customer Service at BPIAIA.CustomerService@aia.com

An amount of money paid all at once to the policy owner, insured, or beneficiary/ies, depending on the policy’s terms and conditions. Examples are death benefit and maturity benefit.

Policy Contract

Payment of benefits are subject to the terms, conditions, definitions, exclusions, and limitations found in the policy contract.

This material describes the main benefits of InstaProtect and is for illustration purposes only. The complete terms and conditions are found in the policy contract. In the event of conflict between this material and the policy, the policy shall prevail.

Life Insurance Benefit exclusions

If a Member dies by suicide within one (1) year from the effective date or latest reinstatement date, whichever is later, of such Member's individual insurance coverage, the Company's liability shall be limited to a return of premiums paid for such Member's coverage. However, suicide committed in a state of insanity shall be compensable regardless of the date of commission.

Accidental Death, Dismemberment and Disability Benefit exclusions

No payment under this benefit shall be made for any loss caused directly or indirectly, wholly, or partly:

(a) by intentionally self-inflicted injury, suicide or any attempt thereat, while sane or insane;
(b) by war, invasion, act of foreign enemy, acts of terrorism, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine, or under the order of any government or public or local authority;
(c) by any weapon or instrument employing atomic fission, thermonuclear fusion or any form of radiation, whether in time of peace or war;
(d) by homicide or assault, or any attempt thereof, or physical injuries, occasioned by the provocation of the Member;
(e) by congenital anomalies and conditions arising therefrom;
(f) by pregnancy and resulting childbirth, miscarriage or abortion;
(g) by cosmetic or plastic surgery, except as a result of Injury;
(h) while the Member is in active service in the Armed Forces of any country or any international authority;
(i) while in any attempted commission of, or wilful participation by the Member in any crime punishable under any prevailing law or ordinance of the Philippines or of any country in which the crime was attempted;
(j) while resisting lawful arrest;
(k) while entering, leaving, operating, servicing, or being in, on, or about any aerial or submarine device or conveyance, except while as a passenger (not as an operator or crew member), boarding or alighting from a certified passenger aircraft provided by a commercial airline on any regular, scheduled or non-scheduled, special or chartered flight, and operated by a properly certified pilot flying between duly established and maintained airports over an established passenger route;
(l) by dental care or surgery except to natural teeth as occasioned by Injury;
(m) while under the influence of alcohol or unprescribed drugs;
(n) by alcoholism or drug addiction;
(o) by disease, bacterial infection or out of or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC);
(p) by hernia, ptomaine, or other bacterial infections which are not pyogenic infections occurring at the same time with or because of any accidental cut or wound;
(q) by circumcision, sterilization, artificial insemination, sex transformation, diagnosis and treatment of infertility, congenital deformities and defects;
(r) by mental or nervous disorders;
(s) by poison, gas or fumes voluntarily or involuntarily taken;
(t) by automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang gliding and sky-diving;
(u) by routine health checks, any investigation(s) not directly related to admission diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care

Hospital Income Benefit exclusions

No payment shall be made under this benefit for Illness, Injury, Hospitalization or any charges caused directly, wholly or partly:

(a) by intentionally self-inflicted injury, suicide or any attempt thereat, while sane or insane;
(b) by war, invasion, act of foreign enemy, acts of terrorism, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine, or nationalization by or under the order of any government or public or local authority;
(c) by any weapon or instrument employing atomic fission, thermonuclear fusion or any form of radiation, whether in time of peace or war;
(d) by murder, frustrated murder or any attempt thereof;
(e) by homicide, frustrated homicide or any attempt thereof, or physical injuries, occasioned by the provocation of the Member;
(f) by congenital anomalies and conditions arising therefrom;
(g) by pregnancy and resulting childbirth, miscarriage or abortion;
(h) by cosmetic or plastic surgery, except as a result of Injury;
(i) while the Member is in active service in the Armed Forces of any country or any international authority and in such an event, we, upon written notification by the Assured, shall return the pro-rata premium for any such period of service;
(j) while in any attempted commission of, or wilful participation by the Member in, any crime punishable under any prevailing law or ordinance of the Philippines or of any country in which the crime was attempted;
(k) while resisting lawful arrest;
(l) while entering, leaving, operating, servicing, or being in, on, or about any aerial or submarine device or conveyance except as specifically provided herein;
(m) by dental care or surgery except to natural teeth as occasioned by Injury;
(n) routine health checks, any investigation(s) not directly related to admission diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care;
(o) while under the influence of alcohol or unprescribed drugs;
(p) by alcoholism or drug addiction;
(q) by disease, bacterial infection or out of or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC);
(r) by hernia, ptomaine, or other bacterial infections which are not pyogenic infections occurring at the same time with or because of any accidental cut or wound;
(s) by circumcision, sterilization, artificial insemination, sex transformation, diagnosis and treatment of infertility, congenital deformities and defects;
(t) by psychosis, mental or nervous disorders, sleep disturbance disorders;
(u) by automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang-gliding and sky-diving;
(v) by poison, gas or fumes voluntarily or involuntarily taken.

Cancer Coverage exclusions

(1) No benefit shall be payable under this Supplementary Contract for any illness or surgery, other than a diagnosis of, or surgery for a Critical Illness defined herein.
(2) No benefit shall be payable for any Critical Illness which was diagnosed prior to, or within the Waiting Period following the Effective Date or the latest date of any reinstatement of the respective Insured Member whichever is later.
(3) No benefit shall be payable for any Critical Illness if the Member seeks medical advice or treatment for any signs or symptoms for such illness which, based on the findings of the Company, first manifested or occurred prior to, or within the Waiting Period following the Effective Date of Coverage or the latest date of reinstatement of the respective Insured Member whichever is later.
(4) No benefit shall be payable for any Critical Illness which was diagnosed due, directly or indirectly, to a congenital defect or disease which has manifested or was diagnosed before the Member reached seventeen (17) years of age.
(5) No benefit shall be payable under this Supplementary Contract for any Critical Illness caused directly or indirectly, wholly or partly, by
a) self-inflicted injury; or
b) addiction to alcohol or drugs not prescribed by a medical doctor; or
c) while under the influence of alcohol or unprescribed drugs; or
d) atomic or nuclear radiation; or
e) Acquired Immunodeficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV), or
f) pregnancy and resulting childbirth, miscarriage or abortion, or
g) cosmetic or plastic surgery, except as a result of Injury; or
h) war or any acts thereof; or
i) acts of terrorism; or
j) homicide, frustrated homicide or any attempt thereof, or physical injuries; or
k) automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang-gliding and sky gliding;