Yes, your coverage commence right away after first OR of your payment. Your 2nd and 3rd member should there are any, as well coverage altogether started. Should any member died after the commencement, full Memorial Service Package is given and expenses will be covered by MCIA nevertheless under the guidelines and conditions set forth in the Certificate of Purchase issued to you.
Ex.: If illegible of the coverage, and the demise member is the first member, Weaver of Balance applies to cover the remaining balance of the plan so the family will no longer pay for it. Since it is the first member, a Cash Assistance is also given in the amount of Php 20,000 to the bereaved family, and in case of accident another Php 20,000 is given as additional Cash Assistance.
Ineligibility includes but not limited to deaths resulting from, pre-existing conditions especially dreaded diseases, like neurosurgical conditions, cardiovascular conditions, and cirrhosis of the liver, cancer, hypertension, cerebrovascular conditions, renal problem, leukemia, and the likes.
Other causes that will be considered illegible for coverage are, among others, alcohol and drug abuse, insanity, provoked assault resulting to murder, job related risks ( e. g. politicians, policemen, paramilitary activities) , voluntary exposure to danger( e. g. death inside a warring zone., death during a riot, revolution, rallies) and sexually transmitted diseases.
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