Free Travel Insurance and Purchase Protection

Free TRAVEL INSURANCE

Give in to your urge to travel anytime and anywhere in the world, knowing that you are assured of protection from accidents and other travel-related problems.  Simply charge your international travel tickets such as airfare, cruise tickets or through a travel agency to your RCBC Bankard, then call 888-1-888, to enjoy this FREE benefit! You’ll even receive a proof of coverage from our trusted provider, Malayan Insurance, who’ll send you an electronic Confirmation of Cover (e-CoC).

Travel Plus Lite

RCBC Bankard Travel Plus Lite Insurance Program (Travel Plus Lite) is a comprehensive travel insurance given to Principal credit cardholders of RCBC Bankard Classic (including myDream), RCBC Bankard Gold, and Co-Brand cards for free. Travel Plus Lite provides the following insurance benefits:

  • Accidental Death, Dismemberment &/or Disablement – Worldwide cover
  • Recovery of Travel Expenses for Emergency Trip Cancellation
  • Recovery of Travel Expenses for Emergency Trip Termination
  • Travel Inconvenience Benefits like Baggage Delay and Flight Delay
See FAQs of Travel Plus Lite Insurance Program here.

RCBC Bankard Travel Plus Lite Insurance Program

Updated March 17, 2015 Frequently Asked Questions


1. What is RCBC Bankard Travel Plus Lite Insurance Program and how can I avail of this benefit?
Purchase your international travel tickets using your RCBC Bankard Classic (including myDream), Gold, Co-brand cards, UnionPay Classic, UnionPay Diamond, or Diamond Platinum whether directly through an airline, or via a travel agency, and enjoy the RCBC Bankard Travel Plus Lite Insurance for FREE.

IMPORTANT REMINDERS on availment of free Travel Insurance: For International Airline purchases and international travel tickets purchased from Local Carriers, Tour Operators or Travel Agencies, simply call 888-1-888 prior to your travel to enroll in the FREE Travel Insurance.

2. What benefits does RCBC Bankard Travel Plus Lite Program provide?
Travel Plus Lite provides the following insurance benefits:

  • Accidental Death, Dismemberment &/or Disablement – Worldwide cover
  • Recovery of Travel Expenses for Emergency Trip Cancellation
  • Recovery of Travel Expenses for Emergency Trip Termination
  • Travel Inconvenience Benefits namely:
    • Baggage Delay
    • Flight Delay

3. When shall the cover commence and end?
Coverage takes effect from the time the insured leaves his place of work or residence with the intention of commencing travel at the date stated in the international travel ticket/boarding pass and expires upon (whichever of the following comes first):
1) fifteen (15) days from the first day of travel,
2) the insured’s return to his or her place of residence or employment,
3) within two (2) hours after the scheduled time of arrival.

4. What is the maximum period of cover?
The maximum period of cover for a qualified transaction (credit card purchase of international travel ticket worth at least Php 1,000.00) is fifteen (15) days. Should a cardholder have two (2) or more qualified transactions, the effectivity of the travel policy will be confined on the inclusive dates of the international travel ticket (maximum of fifteen (15) days) and not as one policy to be continued with the other (unless period of travel is similarly in succession). There should be no overlapping, and in the event of overlap, only one (1) policy will be in effect.

5. Who can be insured in this program?
The program shall cover the principal cardholder of RCBC Bankard Classic (including myDream), Gold, Co-brand cards, UnionPay Classic, UnionPay Diamond, and Diamond Platinum Credit Card, aged eighteen (18) to sixty four (64) years old, plus a maximum of two (2) dependents.

The dependents may be any of the following:
1) Both or one (1) parent/s, or legitimate spouse not over sixty four (64) years old;
2) One (1) or two (2) sibling/s between one (1) year up to twenty one (21) years old, unmarried and unemployed;
3) One (1) child or two (2) children between one (1) year up to twenty one (21) years old, unmarried and unemployed.

The principal cardholder must accompany his/her dependents on the travel.

If the principal cardholder uses his/her card in purchasing international travel tickets for his/her dependents but will not travel with them, Travel Plus Lite shall not be enforced.

6. Who can be declared as the beneficiary of the Insured?
The declared beneficiary shall be the immediate family of the Insured within first degree of affinity or consanguinity (e.g. father, mother, brother, sister, spouse, qualified dependents or children).

7. What are the limits of the benefits under the complimentary travel insurance of RCBC Bankard?
Please see table below for the specification of Travel Plus Lite:

PRODUCT FEATURES AND BENEFITS

Limits of Coverages

Personal Accident Insurance (Worldwide)
Accidental Death, Dismemberment and/or Disablement 50,000
Recovery of Travel Expenses (Due to Emergency Situations of Traveller’s Immediate Family)
Emergency Trip Cancellation 10,000
Emergency Trip Termination 10,000
Travel Inconvenience Benefits
Baggage Delay 1,500
Flight Delay (due to severe weather, mechanical trouble, airline strike) 500/day (up to 3 days/occurrence)

CLAIMS REQUIREMENTS:
The following claim documents shall be submitted to any MICO branch:

A. General Requirements
1. RCBC Bankard Credit Card used to purchase the international travel ticket
2. Statement of Account showing purchase of international Airline Ticket
3. International Airline Ticket/Boarding Pass
4. Passport duly stamped by Bureau of Immigration (Departure and Arrival)

B. Personal Accident
1. Medical report
2. In case of death, original copy of the Death certificate and coroner’s report
3. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

C. Trip Termination
1. If due medical condition: medical report of the Insured or relative within the degree of relationship specified in the policy issued by the attending physician
2. If due to a death: death certificate of the Insured or relative within the degree of relationship specified in the policy
3. Proof of cancellation and breakdown of non-refundable portion of the travel and accommodation expenses

D. Flight Delay
1. Irregularity report issued by the airline indicating the reason of the delay

E. Baggage Delay
1. Baggage irregularity report issued by the airline
2. Delivery report from the airline stating the exact date and time that the baggage was retrieved
3. Certification from the airline of baggage delay / or expenses incurred

Travel Plus

The RCBC Bankard Travel Plus Insurance Program (Travel Plus) is a comprehensive travel insurance given for free to Principal credit cardholders of RCBC Bankard Black Card Platinum MasterCard, RCBC Bankard Diamond Card Platinum MasterCard, RCBC Bankard World MasterCard, and RCBC Bankard Infinite VISA. Travel Plus provides the following insurance benefits:

  • Accidental Death, Dismemberment and/or Disablement
  • Recovery of Travel Expenses for Emergency Trip Cancellation
  • Recovery of Travel Expenses for Emergency Trip Termination
  • Travel Inconvenience Benefits like: Baggage Delay and Flight Delay
  • Emergency Medical Treatment for Accident or Sickness
  • Car Rental Protection
  • Sports Activities Extension
See FAQs of Travel Plus Insurance Program here.

RCBC Bankard Travel Plus Insurance Program

Updated March 17, 2015 Frequently Asked Questions


1. What is RCBC Bankard Travel Plus Insurance Program and how can I avail of this benefit?
Purchase your international travel tickets using your RCBC Bankard Black Card Platinum MasterCard, World MasterCard, or Infinite VISA whether directly through an airline, or via a travel agency, and enjoy the RCBC Bankard Travel Plus Insurance for FREE.

IMPORTANT REMINDERS on availment of free Travel Insurance: For International Airline purchases and international travel tickets purchased from Local Carriers, Tour Operators or Travel Agencies, simply call 888-1-888 prior to your travel to enroll in the FREE Travel Plus Insurance Program.

2. What benefits does RCBC Bankard Travel Plus Program provide?
Travel Plus benefits are divided into two (2) plans with the following insurance benefits: Plan A (Card purchase of international travel tickets worth Php 24,999.99 and below)

  • Accidental Death, Dismemberment &/or Disablement – Worldwide cover
  • Recovery of Travel Expenses for Emergency Trip Cancellation
  • Recovery of Travel Expenses for Emergency Trip Termination
  • Travel Inconvenience Benefits namely:
    • Baggage Delay
    • Flight Delay

Plan B (Card purchase of international travel tickets worth Php 25,000.00 and above)

  • Accidental Death, Dismemberment &/or Disablement
  • Emergency Medical Treatment for Accident or Sickness, which includes follow-up care
  • Recovery of Travel Expenses for Emergency Trip Cancellation
  • Recovery of Travel Expenses for Emergency Trip Termination
  • Travel Inconvenience Benefits namely:
    • Loss of Travel Documents
    • Loss of Baggage
    • Baggage Delay
    • Strikes and Aircraft Hijacking
    • Flight Delay
  • Travel Assistance Benefits c/o Assist America
    • Emergency Repatriation
    • Emergency Evacuation
    • Return of Mortal Remains
    • Care of Unattended Minors
    • Compassionate Visit
  • Car Rental Protection
  • Sports Activities Extension

3. When shall the cover commence and end?
Coverage takes effect from the time the insured leaves his place of work or residence with the intention of commencing travel at the date stated in the international travel ticket/boarding pass and expires upon (whichever of the following comes first):
1) fifteen (15) days from the first day of travel,
2) the insured’s return to his or her place of residence or employment,
3) within two (2) hours after the scheduled time of arrival.

4. What is the maximum period of cover?
The maximum period of cover for a qualified transaction (credit card purchase of international travel ticket worth at least Php 1,000.00) is fifteen (15) days. Should a cardholder have two (2) or more qualified transactions, the effectivity of the travel policy will be confined on the inclusive dates of the travel ticket (maximum of fifteen (15) days) and not as one policy to be continued with the other (unless period of travel is similarly in succession). There should be no overlapping, and in the event of overlap, only one (1) policy will be in effect.

5. Who can be insured in this program?
The program shall cover the principal cardholder of RCBC Bankard Black Card Platinum MasterCard, World MasterCard, and Infinite VISA Credit Card, aged eighteen (18) to sixty four (64) years old, plus a maximum of two (2) dependents.

The dependents may be any of the following:
1) Both or one (1) parent/s, or legitimate spouse not over sixty four (64) years old;
2) One (1) or two (2) sibling/s between one (1) year old up to twenty one (21) years old, unmarried and unemployed;
3) One (1) child or two (2) children between one (1) year old up to twenty one (21) years old, unmarried and unemployed.

The principal cardholder must accompany his/her dependents on the travel. If the principal cardholder uses his/her card in purchasing international travel tickets for his/her dependents but will not travel with them Travel Plus shall not be enforced.

6. Who can be declared as the beneficiary of the Insured?
The declared beneficiary shall be the immediate family of the Insured within first degree of affinity or consanguinity (e.g. father, mother, brother, sister, spouse, qualified dependents or children).

7. Can the Insured file a claim if he lost his laptop abroad?
No. The Policy will not cover any loss, theft or damage to personal effects, cash, traveler’s checks, negotiable instruments, sport equipment, electronic equipment, etc.

8. Can the cardholder file a claim if he lost his documents while on travel?
Yes, the Insured may get in touch with Malayan’s international service provider partner, Assist America by calling the Assist America toll free hotline number +63-2-811-2521

9. What are the limits of the benefits under the complimentary travel insurance of RCBC Bankard?
Please see table below for the specifications of Travel Plus.

Plan A: Card purchase of travel tickets worth Php 24,999.99 and below

PRODUCT FEATURE & BENEFITS

LIMITS OF COVERAGES

Personal Accident Insurance (Worldwide)
Accidental Death, Dismemberment and/or Disablement

P500,000

Recovery of Travel Expenses (Due to Emergency Situations of Traveller’s Immediate Family)
Emergency Trip Cancellation P25,000
Emergency Trip Termination P25,000
Travel Inconvenience Benefits
Baggage Delay P5,000
Flight Delay (due to severe weather, mechanical trouble, airline strike) P1,000/day (up to 10 days/occurrence)

Plan B: Card purchase of travel tickets worth Php 25,000.00 and up

PRODUCT FEATURE & BENEFITS LIMITS OF COVERAGES
Accidental Death, Dismemberment and/or Disablement
Local & Asian Travel P500,000
International Travel P1,000,000
Emergency Medical Treatment (Accident/Sickness)
Local & Asian Travel P500,000
International Travel P1,000,000
Follow-up Care Included
Hospital Cash Allowance (max of 10 days per confinement) P1,000/day
Recovery of Travel Expenses (Due to Emergency Situations of Traveller’s Immediate Family)
Emergency Trip Cancellation P50,000
Emergency Trip Termination P50,000
Travel Inconvenience Benefits
Loss of Travel Documents P50,000
Loss of Baggage P100,000 Sublimit of P5,000 per item
Baggage Delay P5,000
Strikes and Aircraft Hijacking (up to 10 days/occurrence) P1,000/day
Flight Delay (due to severe weather, mechanical trouble, airline strike) P1,000/day (up to 10 days/occurrence)
Travel Assistance Benefits
Emergency Repatriation Unlimited
Emergency Evacuation Unlimited
Return of Mortal Remains Unlimited
Care for Unattended Minors Unlimited
Compassionate Visit Unlimited
Value-Added Features Round Trip Fare
Car Rental Protection P100,000
Sports Activities Extension Extends Medical Treatment and Travel Assistance Benefits for accidents due to fitness, sinter, water and extreme sports.

10. Is sickness included in the insurance cover?
Yes, under Travel Plus Plan B, except for pre-existing illnesses. Settlement of hospitalization expenses however, is on REIMBURSEMENT basis only. This program will also provide critical care monitoring and prescription assistance through Assist America.

11. Are there other benefits in the event of sickness?
Yes, if the cardholder is covered under Travel Plus Plan B, the policy comes with a hospital admission guarantee through Assist America to ensure that the policy holder will be admitted at any hospital, anywhere around the world when medical assistance is required or needed. However, settlement of hospital expenses shall be on the cardholder’s account.

12. How can I contact Assist America?
For emergency assistance or advice while travelling abroad, you may contact Assist America’s 24/7 emergency assistance number + 63-2-811-2521 or you may also send an email to medservicesphils@assistamerica.com

CLAIMS REQUIREMENTS:
The following claim documents shall be submitted to any MICO branch:

A. General Requirements
1. RCBC Bankard Credit Card used to purchase the international travel ticket
2. Statement of Account showing purchase of International Airline Ticket
3. International Airline Ticket/Boarding Pass
4. Passport duly stamped by Bureau of Immigration (Departure and Arrival)

B. Personal Accident
1. Medical report
2. In case of death, original copy of the Death certificate and coroner’s report
3. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

C. Emergency Medical Treatment
1. Out-patient
a. Original Official Receipts] b. Medical report
c. Laboratory results (if any was done)

2. In-patient
a. Statement of Account (with breakdown)
b. Official Receipts
c. Medical Report
d. Laboratory results (if any was done)
e. Operative record and hispathology results (if surgery was done)
f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

D. Emergency Trip Cancellation

1. Medical Certificate of assured or family member
2. Duplicate copy of death certificate of the immediate family member (if family member died)
3. Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
4. Certificate of cancellation of flight from airline
5. Original receipts of pre-booked and non-refundable lodging and transportation

E. Emergency Trip Termination
1. Medical Certificate of assured or family member
2. Duplicate copy of death certificate of the immediate family member (if family member died)
3. Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
4. New ticket purchased
5. Boarding passes or stamp on passport
6. Certificate of cancellation of flight from airline
7. Original receipts of pre-booked and non-refundable lodging and transportation

F. Loss of Travel Documents
1. Notarized incident report or police report
2. Document issued by the carrier for lost travel tickets or the embassy for lost passport
3. Copy of the replacement passport and/or travel tickets
4. Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets

G. Flight Delay
1. Irregularity report issued by the airline indicating the reason of the delay
2. Receipts of expenses (food, lodging, transportation)

H. Strikes and Aircraft Hijacking
1. Certification from the airline indicating that such strike or hijack has occurred

I. Loss of Baggage
1. Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
2. Police report if stolen
3. Original official receipt/s of the lost baggage/s
4. List of lost items with brand, model, type and corresponding amount

J. Baggage Delay
1. Baggage irregularity report issued by the airline
2. Delivery report from the airline stating the exact date and time that the baggage was retrieved
3. Original official receipts of expenses incurred (on toiletries and clothing)

K. Loss of Travel Documents
1. Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
2. Copy of the replacement passport and/or lost travel tickets
3. If loss occurred in such circumstances, an irregularity report from the airline or a police report
4. Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Free PURCHASE PROTECTION

Experience peace of mind against the accidental loss or damage of items you purchased abroad. Just charge them to your RCBC Bankard card to make the most of this FREE privilege!  Just call 888-1-888 to avail.  Our trusted provider, Malayan Insurance will even send you an electronic Confirmation of Cover (e-CoC) as proof of coverage.

Learn more about the RCBC Bankard Purchase Protection Program.

RCBC Bankard Purchase Protection Insurance Program Frequently Asked Questions

PRODUCT

1.  What is RCBC Bankard Purchase Protection Insurance Program?
RCBC Bankard Purchase Protection Insurance Program (Purchase Protection) is a product being offered by RCBC Bankard for FREE to their cardholders that covers loss and accidental damage of items purchased OVERSEAS using RCBC Bankard credit card.

2.  When shall the cover commence and end?
The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.

3.  What is my maximum allowable benefit?
Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.

4.  Is the item still covered when I leave the country where I purchased it?
YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.

5.  Is Jewelry and Gems covered under this program?
YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.

6.  Is there a deductible or participation fee when I file for a claim?
Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.

7.  What items are NOT covered?
This Insurance Program shall not cover any loss to:
a. Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
b. Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
c. Consumable and Perishables;
d. Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
e. Business Property purchased to be used for business purpose;
f. Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
g. Livestock, pets, animal, plants or other living creatures;
h. Art, antiques, firearms and collectible items;
i. Furs
j. Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business

8.  What causes of loss or damage are NOT covered?
This Insurance Program shall not cover any loss caused by or arising from:
a. Mechanical, electrical or electronic breakdown, failure or derangement;
b. Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
c. Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
d. Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
e. Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
f. The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
g. Mysterious disappearance or unexplained losses.
h. Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
i. Product defects, faulty or defective design, material or workmanship, latent defect.
j. Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
k. Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
l. Shipping and handling expenses or installation, assembly related costs.
m. Items purchased for resale, professional or commercial use.
n. Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
o. Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
p. Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
q. Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
r. Items left unattended in a place to which general public as access.
s. Losses due to or related to nuclear, biological or chemical event.
t. Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
u. The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
v. Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.

9.  How can I claim?
A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.

10.  What claim documents must I submit?
a. Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
b. Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
c. Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
d. Police report for Theft or Stolen Item claims
e. Replacement cost or repair estimates for damaged item claims