Professional Documents
Culture Documents
I understand and confirm the following information about my Borrower Protection Plan (“Insurance”):
1. I received Confirmation of Cover of Insurance No. 4304175627 issued by SUN LIFE GREPA FINANCIAL, INC. (“SLGFI”) and Confirmation of Cover issued by FORTUNE
GENERAL (“FGEN”) thru HC Consumer Finance Philippines, Inc. (“HC”). These Insurance policies provide benefits for hospitalization or death of any cause, calamity
assistance as well as Telemedicine services defined by the terms and conditions of the Group Master Policy issued separately by SLGFI and FGEN. Borrower Protection
Plan Fee comprises insurance premium and service fees for registration, system handling and record keeping to be rendered by Home Credit to the borrower.
Schedule of Benefits (Hospitalization)
Each Insured Loan Borrower shall be covered based on the following table:
In no event will SLGFI pay more than one (1) month’s worth of installment if Debtor is confined more than once during a monthly installment period. The total monthly
installments payable to the Creditor shall not be cumulative.
2. I understand that monthly installments for my loan, including the insurance fee, must always be paid on time to avoid possible cancellation of my insurance coverage and
the total premium is part of my loan. The total loan (including the Insurance Fee) can only be cancelled without additional fees or penalties within fourteen (14) calendar
days from the date of this Certificate in accordance with the provisions of the Loan Agreement.
3. I can designate my beneficiary/ies by sending an email to SLGFIAMCustomerService@sunlifegrepa.com. Should I fail to designate my preferred beneficiary/ies, the
insurance proceeds shall be payable to the first surviving class of the following order of classes of beneficiaries deemed named by the Member:
1. Widow/Widower
2. Surviving legitimate and illegitimate children;
3. Surviving parents;
4. Surviving brothers and sisters of the full blood;
5. Surviving brothers and sisters of the half-blood; or
6. Executors, administrators or assigns.
If two or more beneficiaries belong to the same class entitled to the insurance proceeds, such beneficiaries shall share equally. Any minor's share shall be paid in the
manner provided by law.
For Claim inquiries, please call HC Customer Care Hotline at (02) 7753 – 5711.
(Electronically Signed via OTP)
OTP: 449710
OTP MOBILE#: 9635447516
OTP VERIFIED ON: 2023-09-03T13:14:58.000+08:00
Date: 09/03/2023 Elsa Florida Paja
Signature of Borrower Over Printed Name
Proof of Cover
Group Policy Number : 2019/063-00 Proof of Cover Number : 4304175627
Group Policy Effective Date : June 5, 2019 Debtor’s Effective Date of Insurance : 09/03/2023
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Debtor’s Name : Elsa Florida Paja
Initial Amount of Insurance : 120% of Financed Amount
Plan of Insurance: Creditor Group Life, Yearly Renewable Term – Non Participating Initial Rider Coverage:
Rider: Credit Group Hospitalization Benefit Amount of Monthly Amortization, maximum of Php 20,000.00
The amount of insurance is subject to the terms and conditions set forth in the Creditor Group Life Policy issued to the Policyholder.
EXTRACT OF POLICY PROVISIONS
Death Benefit The change shall then be effective as of the date it was signed, but it shall be subject
Upon receipt and approval by Sun Life Grepa Financial of the due proof/s that a to any action taken before it was received by Sun Life Grepa Financial at its Office. If
Debtor died while covered under this Policy, Sun Life Grepa Financial shall pay Sun Life Grepa Financial has taken any action or made payment prior to receiving
notice of that change, the change of beneficiary will not affect any action or payment
To the Policyholder - the Debtor’s Outstanding Indebtedness at time made by Sun Life Grepa Financial.
of death
To the beneficiary/ies - the excess, if any, of the Debtor’s Amount of Notice and Proof of Claim
Insurance over his Outstanding Indebtedness Written notice of claim must be submitted to Sun Life Grepa Financial within ninety
(90) days from date of death. Such notice given by the beneficiary to Sun Life Grepa
The Outstanding Indebtedness in any contract of indebtedness shall also include any Financial, with information sufficient to identify the Debtor shall be deemed to be
accrued interest charges and other finance charges to the Debtor due to default in notice to Sun Life Grepa Financial. Proof of claim must be submitted not later than
payment of the installments on any such indebtedness. one hundred eighty days (180) days from date of death. All certificates, information
and evidence required by Sun Life Grepa Financial shall be furnished at the expense
Any such payment shall discharge Sun Life Grepa Financial to the extent of the
of the Debtor’s beneficiary.
amount paid.
Failure to submit the written notice and proof of claim within the time limits shall not
Right to Designate and Change Beneficiary invalidate or reduce any claim if it shall be shown not to have been reasonably
The Debtor may designate a beneficiary or beneficiaries to receive the excess of the possible and was submitted as soon as was reasonably possible.
Debtor’s Amount of Insurance over his Outstanding Indebtedness. All designations of
beneficiaries are revocable unless otherwise stated by the Debtor on the form Availability of Master Policy
The Group Master Policy shall be kept in the Policyholder’s main office. It will be
provided by Sun Life Grepa Financial.
made available to the Debtors for their inspection during the regular office hours of
The Debtor may change a beneficiary by filing a written notice with Sun Life Grepa the Policyholder, upon presentation of proof of coverage satisfactory to the
Financial on a form provided by Sun Life Grepa Financial. Policyholder.
This document describes in general the insurance protection under the Policy as required under Sec. 234 of the Insurance code. The full details are in the Policy and in the event of
discrepancy or dispute, the provisions of the Creditor Group Life Policy shall prevail.
DATA PRIVACY AND AUTHORIZATION
By availing of an insurance coverage under this Policy, the Insured Loan Borrower acknowledges that Sun Life Grepa Financial Inc., its employees, duly authorized
representatives, related companies, third party service providers and vendors, shall process and share his and his designated beneficiary/ies’ personal information, with any person
or organization to (i) service this Policy; (ii) process claims and enforce the contract; and (iii) pursue its legitimate and lawful rights and interests and other purposes allowed under
privacy laws and regulations. Personal information shall be retained throughout the existence of the Policy and/or until expiration of the retention limit set by laws and regulations
from termination and the period set for destruction or disposal of records. Sun Life Grepa Financial’s privacy policy may be found in https://www.sunlifegrepa.
For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision over insurance companies. It is
ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers (632) 8-523-84-61 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission
is www.insurance.gov.ph.
Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
Proof of Cover
Plan of Insurance: Group Personal Accident (Accidental Death and Dismemberment), Non-Participating
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Group Policy Effective Date : June 5, 2019
Group Policy Number : 2019/063-01 Member’s Effective Date of Insurance : 09/03/2023
Proof of Cover Number : 4304175627 Initial Amount of Insurance : 120% of Financed Amount
Member’s Name : Elsa Florida Paja
The amount of insurance is subject to the terms and conditions set forth in the Group Personal Accident Policy issued to the Policyholder.
This document describes in general the insurance protection under the Policy. The full details are in the Policy and in the event of discrepancy or dispute the provisions of the
Group Personal Accident Insurance Policy shall prevail.
For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision over insurance companies. It is
ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers (632) 8-523-84-61 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission
is www.insurance.gov.ph.
Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
Proof of Cover
Plan of Insurance: Group Personal Accident (Accidental Death and Dismemberment), Non-Participating
Policyholder’s Name : HC Consumer Finance Philippines, Inc. Group Policy Effective Date : February 25, 2021
Group Policy Number : G-2021/015-00 Member’s Effective Date of Insurance : 09/03/2023
Proof of Cover Number : 4304175627 Initial Amount of Insurance : 120% of Financed Amount
Member’s Name : Elsa Florida Paja Initial Amount of Insurance: PHP 50,000.00
Dependent’s Name: Member’s eligible dependent/s.
This document describes in general the insurance protection under the Policy. The full details are in the Policy and in the event of discrepancy or dispute the provisions of the
Group Personal Accident Insurance Policy shall prevail.
For further inquiries, please contact our HC Customer Care Hotline at telephone number +632-7-753-5711. You may also write us at info@homecredit.ph.
The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of the enforcement of all laws related to insurance and has supervision over insurance companies. It is
ready at all times to assist the general public in matters pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers (632) 8-523-84-61 to 70 and email address publicassistance@insurance.gov.ph. The official website of the Insurance Commission
is www.insurance.gov.ph.
Issued by Sun Life Grepa Financial, Inc. (“Sun Life Grepa Financial”)
A joint venture of Sun Life Financial and the Yuchengco Group of Companies
221 Sen. Gil J. Puyat Ave., P.O. Box 2042 MCPO Makati City | TIN 000-460-716-000
HOME CREDIT TELEMEDICINE PROGRAM
The pandemic has changed everyone’s lives across all walks of life regardless of status, profession, business etc. In its continued desire to provide
value added products and services to its borrowers, Home Credit Philippines (HCPH), in partnership with Grepa Medical and Diagnostic Center
(GMDC), a division of Sun Life Grepa Financial, Inc. (SLGFI), is introducing the Home Credit Telemedicine Program (HCTP), a new feature of the
Borrower Protection Plan.
The HCTP will provide Borrowers an online access to a Physician / Medical Doctor (MD) without the hassle of visiting the hospital or clinics.
OPERATIONAL GUIDELINES
A. PATIENT SCHEDULING
A. HCPH Borrower (HCTP Patient) calls hotline or email for scheduling or queries regarding health conditions.
Email add:HCTP@sunlifegrepa.com
Hotline No.: SMART 0960-2684899 (Monday to Friday), GLOBE 0956-8300512 (Wednesday to Sunday)
B. Calls and emails will be received by a HCTP Coordinator for proper processing.
C. HCTP Coordinator will ask HCTP Patient for the chief complaint (if COVID related or other Medical Assistance).
D. HCTP Coordinator to advise the HCTP Patient that Zoom App platform will be used for the consultation.
E. HCTP Coordinator will request the following information through email or call
• Full Name
• Birthdate
• Gender
• Home address
• Birthdate
• Mobile No. or Telephone No.
• Email address to where teleconsult will be linked
• Loan account number (for verification if patient is a HCPH member)
F. HTCP Coordinator acknowledges the receipt of the basic information listed above. Patient to be instructed to download ZOOM app
and their email will be linked accordingly.
This list of prohibitions provides examples and is not complete or exclusive. SLGFI reserves the right to (a) terminate access to the
Service, (b) may report to law enforcement authorities any actions that may be illegal, and any report it receives of such conduct. When
legally required or at SLGFI's discretion, SLGFI will cooperate with law enforcement agencies in any investigation of alleged illegal
activity on this Service.
FORTUNE GENERAL INSURANCE CORPORATION
4/F Citystate Centre, 709 Shaw Blvd., Pasig City Philippines
Trunk Line: +632 8706 3959
customercare@fgic.com.ph
www.fgeninsurance.com
CONFIRMATION OF COVER
Fire
Maximum of one (1) month loan amortization
Typhoon of the borrower
Earthquake
Note: In the event of a claim, Fortune General will only pay Home Credit an amount equivalent to one (1) month’s loan
amortization of the borrower, maximum of P 10,000.
Authorized Signature