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OUR PRODUCTS

1. GENERAL INSURANCE

We help protect our client’s and the things they value, such as their property,  vehicles  from both personal and/or business, from the financial impact of risks and liabilities, big and small. And even from the costs of legal action against them.

  • CGL – is a broad policy that LGUs mandates for business owners that protects the organization from liability claims related to product coverage, completed operations coverage premise and operations coverage, and independent contractors coverage. CGL can be taken voluntarily and does not cover vehicle liability.
  • MOTOR– Providing full insurance protection against total or partial loss due to events such as impact collision, overturning, sliding, fire and theft ;that covers the policyholder in case of financial losses – resulting from an accident or other damages – sustained by the insured vehicle.
  • CTPL– Protects the insured from any liability against bodily injury and/or death to any third-party individual;protects you from any possible liability for a third party caused bodily injury and/or death in an accident arising from the use of your motor vehicle.
  • COMPREHENSIVE MOTOR VEHICLE – The most preferred type as it covers not only third-party liabilities and losses but, also covers for damages caused to you and your own car.   typically helps cover theft and damage from vandalism, collision and natural disasters, falling objects, fire, hail, floods and animals.
  • FIRE–  a policyholder against fire loss or damage from a number of sources. These include fires brought about by electricity, such as faulty wiring and gas explosions, as well as those caused by lightning and natural disasters.

ENGINEERING

  • Comprehensive ALL-Risk –Insurance (CARI)- non-standard insurance policy that provides coverage for property damage and third-party injury or damage claims, the two primary types of risks on construction projects. Damage to property can include improper construction of structures, the damage that happens during a renovation, and damage to temporary work erected on-site.
  • EAR –(ERECTION ALL RISK)  policies are designed to cover the risk of loss arising out of the erection and installation of machinery, plant and steel structures, including physical damage to the contract works, equipment and machinery, and liability for third-party bodily injury (BI) or property damage (PD) arising out of these operations.

2. MEDICAL INSURANCE

Medical Insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes hospitalization expenses incurred by the insured.

  • SELECT (Pacific Cross) – Make the most out of life’s precious moments,  enjoy medical coverage that helps secure your peace of mind, wherever life takes you.
  • BLUE ROYALE (Pacific Cross) – a comprehensive medical policy that gives you peace of mind that comes from knowing that you have the right people on your side in the event of a medical crisis.
  • MAJOR (PacCross INT’L) – an international plan designed to provide cover in the event of a medical condition or emergency medical treatment.
  • ASEAN (PacCross INT’L) – for wherever Life takes you, we can find you an international health insurance plan.
  • MYHEALTH (APRIL) – our focus is on putting our clients’ medical needs first. So no matter what your personal circumstances may be or where in the world you are living or working, our international medical insurance plans are designed to deliver the health care solution you are looking for.
  • GLOBAL MEDICAL INSURANCE (IMG US) – Health insurance is a type of insurance coverage that typically pays for medical, surgical, prescription drug and sometimes dental expenses incurred by the insured.
  • GLOBAL FUSION (IMG UK) – Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over numerous persons.

3. HEALTH MAINTENANCE ORGANIZATION (HMO)

HMO is a medical insurance group that provides health services for a fixed annual fee. It is an organization that arranges managed care for health insurance, self-funded health care benefit plans, individuals, and other entities, acting as a liaison with health care providers on a prepaid basis.

  • MAXIPLUS (MAXICARE) – offers comprehensive healthcare benefits perfectly designed to the needs of your employees. With proven superior quality of healthcare delivery services, It has been the trusted healthcare provider of most of the top and recognizable companies in the country.
  • SME (PHILCARE) – We always aim to provide more than simply the basic needs of healthcare. We want to take a step further to make wellness all the more efficient and accessible to everyone through the use of technology.
  • FIT PROGRAM (INTELLICARE) – Intellicare believes that health is more than simply a mere response to sickness. Instead, it is a state of wellness, the ability to produce levels of productivity, especially in the cases of companies, and to bring the fullest potential in people.
  • BC FLEXI (PACIFIC CROSS) – Provides a comprehensive and customizable range of healthcare benefits for a company with at least 10 employees.

4. TRAVEL

Travel insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.:  to avoid Travel inconveniences.

  • Travelsafe/ Tripguard (Pacific Cross)
  • Travel Shield (PGA)
  • Travel Master (Malayan)
  • Travel Protect (Standard)
  • PATRIOT (IMG)

5. LIFE (INTERNATIONAL PLANS)

As an introducing intermediary, IFRC provides insights on offshore investments and protection solutions to its clients. Depending on an individual or corporate needs, various plans are, as follows:

Protection Life Plans have continued to evolve addressing the needs of the clients in the ever changing world.
  • Flexible Life Insurance. Unlike the traditional life insurance plan, there a programs that can blend whole of life and term life covers with cost-efficient premiums.
  • Term Life Insurance. This is a type of life insurance that guarantees claims payment (upon death) during a specified term. There are plans that provide Personal Cover, Business Cover, as well as Group Cover.
  • Critical Illness Cover. This provides cover for major health illnesses and unloads the financial burden of yourself. There are level term plans and are reasonably priced.
Investment Plans are designed to build wealth for the future. An essential key to this success are the underlying funds of the investment portfolio.
  • Regular Savings Plan. This is designed for those who wish to save for their future regularly to address educational fees, supplementing income retirement, and other purposes.
  • Lump Sum Investments. Unlike private banking, one time investments is now affordable and with access to top vetted funds in the global arena.

6. GENERAL INSURANCE (Other Lines)

We help protect our client’s and the things they value, such as their property,  vehicles  from both personal and/or business, from the financial impact of risks and liabilities, big and small. And even from the costs of legal action against them.

  • ENGINEERING – Protect your equipment and the construction works of your business. We have a range of insurance solutions that provide coverage for the many assets of the business or company. We also have solutions that provide protection for on-going construction and other civil works.
  • MARINE CARGO – Protect your business assets and goods while these are transported from one destination to another. We have marine cargo insurance that provides protection for goods that are imported and exported, or transported via land with coverage that may be custom-fit to the specific needs of the business and the goods in transit.
  • INLAND MARINE – is a type of marine insurance coverage that covers a wide range of specialized property.
  • PROPERTY – Property insurance helps you protect your residence in the event of natural and unexpected disaster such as fire, flood, earthquake, storms, and volcanic eruptions.
  • PERSONAL ACCIDENT – Personal Accident Insurance covers death or specific types of injury as a result of an accident. It also pays benefits for the loss of limbs, fingers, sight and permanent paralysis.
  • ELECTRONIC EQUIPMENT – This is an all risks cover appropriate for accidents involving electronic equipment such as electronic data processing equipment (computers), medical equipment such as ECG machines, X-ray and other equipment used in hospitals and laboratories; communication facilities such as telephone exchanges, radio, television and communication apparatus, and other miscellaneous equipment
  • MACHINERY Machinery Breakdown Insurance (MBI) covers machinery, mechanical equipment and apparatus against accidental breakdown.
  • FIDELITY (Money, securities and payroll Robbery) – Add protection and security to your business. We have insurance that protects your business from losses of Money, Securities and Payroll Money due to theft and burglary, for loss of Money or other property caused by any dishonest or fraudulent act by any employee and liability insurance for your business operations.
  • HEIR’S BOND – Guarantees the payment of all claims that may be filed by any compulsory heir deprived of lawful participation in the estate of the deceased and/ or any unpaid creditor who has a claim against the estate.

Our Products

The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate the insured in case of a covered loss.