TraveLead International Plan provides comprehensive insurance protection whilst you are travelling overseas. TraveLead protects you from unforeseen accidents as well as provides a broad range of other coverages including travel inconvenience, medical treatment, trip cancellation, travel delay, lost baggage, loss of travel documents and Emergency Assistance Services.

Sometimes, the unexpected happens. It may be something as simple as a delayed flight but what if it was a serious accident and you require urgent medical attention. It could also be anything from lost luggage, to finding the closest clinic because you ate something wrong. During these circumstances, you want a travel insurance product from a reputable company who has the experience to handle every situation. TraveLead International Insurance provides protection and assistance when something unexpected or something unpleasant happens.

Accidental Death and Disablement

Pays for death or permanent disablement arising within 12 months of suffering an accident during a trip.

Emergency Medical Expenses

Pays for actual expenses for treatment due to injury or sickness.

Round the Clock Hotline Service

Starr owned ASSIST CARD, provides 24-hour travel and emergency medical assistance to TraveLead International policy holders.

Emergency Medical Evacuation

Provides emergency evacuation due to serious injury or sickness.

Travel Delay

Pays cash benefit for common carrier delay due to strike, riot, civil commotion, hijack, adverse weather or mechanical fault after 6 hours.

Trip Cancellation

Pays for non-refundable ticket and/or accommodation expenses in the event of trip cancellation due to covered events.

Our ESSENTIAL Plans are designed for travel to any destination around the world EXCLUDING Schengen countries in Europe. For Schengen countries please purchase an EXTRA Plan.

Our EXTRA Plans is designed for travel to any destination around the world INCLUDING Schengen countries in Europe.

For single trip travel insurance, the age eligibility is from 6 months old to 85 years old. A premium loading will apply for any travelers over 75 years old. For annual travel insurance, the enrollment age is up to 70 years old and is renewable up to 75 years old.

There is no co-payment or deductible applicable.

The maximum coverage period of a trip is 180 consecutive calendar days for a single trip travel plan, and 90 consecutive calendar days for an annual travel plan.

An Insured person has 24/7 access to Starr’s Global Emergency Assistance Service Hotline at (632) 8689-6641 who will be more than happy to provide the necessary assistance. The emergency assistance services include Travel Assistance, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.

TraveLead International Insurance extends to cover amateur hazardous sports including skiing, scuba diving and hot air ballooning.

The Policy extends to cover any follow-up medical expenses incurred, subject to the maximum Sum Insured as stated in the Schedule, within thirty (30) consecutive days after the Insured Person's return to the Philippines provided that the first treatment was sought outside the Philippines.

Yes, TraveLead International Insurance covers inpatient and outpatient medical expenses due to sickness and injuries but excludes pre-existing medical conditions, subject to the maximum amount stated in the Schedule.

The Family plan requires a minimum of 2 and a maximum of 10 immediate family members traveling together. Member combination for 2 may be the legal husband and wife or legal husband or legal wife plus one child. A Family plan is restricted to immediate family members which consists of husband, wife and their children.

Yes, a parent or guardian can be the Applicant and apply for the TraveLead International Insurance plan that fits the needs of the child(ren) who will be traveling alone.

Written notice of a claim must be submitted to Starr Philippines within thirty (30) days after occurrence of any accident or other event that might give rise to a claim under a policy. Insured must provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instructions on Travel Insurance Claim Form.

No, an employee is not required to purchase any plan, however, employees should take advantage of this opportunity to purchase additional insurance protection to better protect you and your family.

People work in many different industries and some industries are more hazardous than others. Insurer’s normally charge different rates depending on your Occupational Class because of this increased risk. All we’re trying to do is to ensure you are getting charged the correct rate based on what you do. We use four (4) Occupational Classes to properly price individuals.

Class 1 Primarily Office Workers, Professional and persons engaged in executive, administrative or clerical duties. No manual work.

Class 2 Office Workers and persons engaged in skilled or semi-skilled work and not exposed to hazardous conditions. Office workers who have external outdoor duties. Some but very little manual work.

Class 3 Persons engaged in occupations requiring manual labor and non-office duties with light manual work. Use of light machinery.

Class 4 Persons engaged in occupations requiring significant amounts of manual work and is exposed to heavy machinery. Works in highly hazardous conditions.

Our products have been designed for Classes 1, 2 and 3 only. Class 4 employees and/or applicants must be carefully underwritten. If you are a Class 4 individual please feel free to contact us at (02) 8689-6634 and we’ll see if we can help you.

You should enter whoever’s Occupational Class is the more hazardous class when applying for the plans. This will ensure the correct rate is being charged and will eliminate any issues in the future should you need to file a claim.

Your application forms the basis of the policy and it requires you to provide truthful and accurate information. If you misrepresent the information submitted or are not truthful in your application any claims which you may submit may be declined.

Yes, you can, however, premiums may be more expensive and you may not receive some of the exclusive benefits and payment options we are offering through corporate employers. In addition, if Starr Philippines currently provides the Group PA cover to the employees of your company, the various plans being offered here may have been discounted because Starr Philippines has applied a “bulk purchasing discount” as part of our offer.

An employee can purchase insurance coverage for himself/herself, his/her spouse, child(ren), parents and parents-in-laws.

For Accidental Death and Disablement the employee, spouse, parent and parents-in-laws can purchase protection for individuals between the ages of six (6) months up to sixty-five (65) years old and renewable up to seventy-five (75) years old. For Hospital Income and Critical Illness plans, the employee, spouse, parent and parent-in-laws must be between eighteen (18) years old and sixty-five (65) years old.

Plans being offered are :

- Personal Accident (Accident Protect)

- Hospital Income (Hospital Protect)

- Critical Illness (Critical Protect)

Details of each plan can be found in brochures.

Children below the age of eighteen will be provided free automatic cover provided at least one parent purchases the plans. If only one parent purchases a plan each child will be provided, free of charge, with 10% of the plan limit purchased by the one parent. If both parents purchase the same plan levels each child will be provided, free of charge, with 25% of the plan purchased by the main applicant parent. In order to enjoy the 25% free benefit for children each parent must purchase the same plan level for themselves. If the parents purchase different plan levels each child will only be provided 25% of the lower level plan purchased by that parent.

Under all plans, children will be protected up to eighteen (18) years old or up to twenty-five (25) years old if they are in full time schooling.

There are multiple ways to purchase a policy. You can go to www.starrinternational.com.ph or you can use our QR code with your Smartphone to purchase. Alternatively, you can complete a hard copy application form and either fax it back to us at (02) (02) 8689 6630 or email it back to customercare.ph@starrcompanies.com

Provided you know what you want to purchase the process will only take about 10 minutes from start to finish.

In most cases, you can pay either by using your Debit Card or your Credit Card. However, in some cases we have arranged for your employer to directly debit the premiums from your payroll on a monthly or quarterly basis. We are always working on offering various ways to pay for your premiums.

Yes, we offer Monthly, Quarterly or Annual Premium Payment options. This is to provide you with convenience and to reduce the burden on your finances. If you opt for the Monthly or Quarterly payment options there will be some additional administrative requirements and we will require your authorization to debit the premiums automatically when premiums become due.

You can also pay premium thru over-the-counter with our partner, Bayad Center and BPI. Using BPI online banking bills payment facility, we are included in the list as one of the biller by searching the name “Starr International Insurance”.

No. We recognize that in many cases you will want to protect all of your family members including your parents and parents-in-laws. Because of this we recognize that the premium to be paid could put a burden on your finances so we have eliminated any surcharge so what is quoted is what you will pay. We do not believe in hidden charges.

Please make note that the onus is on you to ensure you pay the premiums on time. If we do not receive the premium payment prior to the due date we reserve the right to cancel any and all policies that you have purchased as part of the related premium transaction. If you have elected to pay on a Monthly or Quarterly basis it is strongly suggested that you make arrangements to make payments on time. Because we deal with thousands of policies it is very difficult for us to send reminders to policyholders.

No, we understand the value of money and do not want to put an additional burden on you by applying a surcharge. We also do not apply a premium discount if you decide to pay the premiums all upfront on an annual basis.

We are required by the BIR to charge and collect taxes upfront. The taxes are made up of DST, Premium Tax and Local Government Tax.

It depends on how premiums were paid prior to your departure. If premiums were by payroll deduction then you would need to arrange for premiums to be paid when due. Please contact us to make these arrangements. If you have arranged premium payment through your bank as long as you continue to pay the premiums when due and provided you do not work in an occupation / industry significantly different to what you have declared to us we’d be happy to continue to insure you and/or your family, as the case may be.

If you pay with a debit or credit card and pay 100% of the annual premium it will take about 10 minutes to receive a soft copy policy which will be sent to your email address. If you opt for monthly, or quarterly installments it may take a couple of weeks so we can set up your automatic debit with your bank before we will be able to send you a soft copy of the policy to your email address.

We are purposely only sending out soft copy policies to save the earth and to be environmentally responsible. By using less paper we hope we can contribute to saving the earth and to contribute to this very worthy cause. We hope you will support us.

Go to www.starrinternational.com.ph or scan the QR code with your Smartphone. You will be directed to Individual Employee Benefit Plans. Start from the Personal Accident Plans and then work your way down to Hospital Income Plans and ending with Critical Illness Plans. Each plan will be laid out in a format which allows you to quickly decide on the level of protection you want for yourself, your spouse, your children (applies to PA only), your parents and then finishes with your in-laws. Once you are finished with the Personal Accident Plans the next section is Hospital Income and then Critical Illness. It’s very customer friendly and very simple to follow. After you have finished deciding it will automatically calculate the premiums for you broken down by each plan. Once you are satisfied with the plans you have chosen you then need to pay the premiums. Once you have paid your premium you are finished. Policies will be sent to your email address once the 1st premium payment has been made.

Unfortunately, the answer is no. The products being offered have been designed to cater for employees and family members based in the Philippines. However, in 2020, we will be looking at launching a new plan designed specifically for families of Overseas Foreign Workers.

There are five (5) main coverages under the Personal Accident (PA) policy. The primary coverage is an Accident based cover which provides the Insured with protection in case he/she suffers from a serious Accident which results in Death or Disablement as well as protection for Unprovoked Murder or Assault. In summary, the five coverages are :

-Accident Death and Disablement

-Burns Benefit

-Accidental Medical Reimbursement Benefit

-Accidental Death Burial Benefit

-Common Carrier Benefit

Depending on your Occupational Class an employee will be able to purchase up to PHP 5 Million in Accident protection.

This policy is not meant to be a sickness medical policy and therefore, does not cover sickness related events.

Yes, each section will respond as appropriate and any claim payable will be based on the sum insured and coverage for each section.

Absolutely. As long as you are a passenger of an airplane or any common carrier for which you pay a fare you will be covered under this Policy.

No, the policy will pay any insurance settlements to you or your estate.

A big selling point is that the Accident Protect policy provides protection to all Insureds 365 Days, 24 Hours, 7 Days a week and anywhere in the world. So, if you have to work very late nights or even if you are travelling in an overseas country you are protected.

Yes, adults can purchase protection provided they are between the ages of 18 and 65 years old and the policy is renewable to 75 years of age. For children, the Main Applicant can purchase protection for them from 6 months to 18 years of age and up to 25 years old if the children are in full time schooling.

Absolutely, the policy provides protection against any and all amateur sports activity. It, however, excludes any sports activity in which you are considered a professional and/or if you are paid for your services and/or if you earn a living through the sporting activity.

Yes, provided the insured is a victim and not part of a terrorist organization.

The policy specifically excludes any individual who is currently serving in active duty in the military.

The policy would respond in the following situations:

-While riding as a passenger in a jeepney or on a motorcycle and the Insured suffers a tragic accident resulting in death

-While in the office an earthquake was to occur causing the building to collapse resulting in the Insured becoming permanently disabled.

-While walking across the street the Insured was hit by a motor vehicle resulting in medical expenses.

-While riding on the LRT and a bomb was detonated causing the Insured to permanently lose his/her hearing.

-While on holiday the Insured decided to try scuba diving and drowned.

There are three (3) main coverages under the HI policy. The primary coverage is a Daily Hospital Cash cover which provides the Insured with a Daily Hospital Cash benefit for each day the Insured is hospitalized as a result of an accident or sickness. In summary the three (3) coverages under Hospital Protect are:

-Daily Hospital Cash

-Double Indemnity – Intensive Care Unit

-Emergency Surgical Allowance

There are three (3) coverage options which you can choose from.

Benefit	OPTION 1	OPTION 2	OPTION 3
Daily Hospital Cash	PHP 1,000 PER DAY	PHP 2,000 PER DAY	PHP 3,000 PER DAY
Double Indemnity – Intensive Care Unit	PHP 1,000 PER DAY	PHP 2,000 PER DAY	PHP 3,000 PER DAY
Emergency Surgical Allowance	PHP 10,000 PER EVENT	PHP 20,000 PER EVENT	PHP 30,000 PER EVENT

Daily Hospital Cash provides up to a maximum of 45 days per confinement. Double Indemnity - Intensive Care Unit provides up to a maximum of 30 days per confinement and the Emergency Surgical Allowance provides, on a reimbursement basis, up to a maximum sum insured depending on option chosen for each covered event.

A waiting period of thirty (30) days from the policy effective date will apply for Sickness only. No waiting period is required for any Accident event.

Yes, any event which is defined as Pre-Existing will not be covered. Pre-Existing is defined as a condition in which the Insured Person received or was recommended by a Registered Medical Practitioner for any medical treatment, diagnosis, consultation or prescribed drugs, or the existence of any symptoms either known or unknown to the Insured Person within two (2) years preceding the effective date.

The maximum coverage and benefit payable for children will be limited to 10% if only one Parent purchases a Hospital Income plan and 25% provided both Parents purchase the same level of benefit. If each parent purchases a different level of benefit each child will only receive 25% of the parent who has purchased a lower level of benefit. Children is defined as anyone under the 18 years of age or under 25 year’s old if in full time education.

The Emergency Surgical Allowance is meant to provide cover should a Registered Medical Practitioner determine within the first twenty-four (24) hours of an Insured being admitted to a Hospital that he/she must undergo an Emergency Surgical Operation which, if delayed, could result in death or permanent impairment of health. The cover would only respond if the Insured was unaware of any condition which would require an Emergency Surgical Operation and is not related to a pre-existing condition and had not sought any previous medical advice or treatment and/or was undiagnosed and/or did not suffer any symptoms prior to the Insured becoming an Registered In-Patient.

No. The policy is not meant to provide any coverage for pre-existing conditions. Pre-Existing is defined as a condition in which the Insured Person received or was recommended by a Registered Medical Practitioner for any medical treatment, diagnosis, consultation or prescribed drugs, or the existence of any symptoms either known or unknown to the Insured Person within two (2) years preceding the effective date.

Whilst the policy excludes any pre-existing conditions there are many other conditions that would be covered under this policy should you require to be hospitalized.

There is no deductible applicable.

In order for the Daily Hospital Cash benefit to respond you must be admitted as a Registered In- Patient in a licensed Hospital upon the recommendation of a Registered Medical Practitioner for a minimum of twenty-four (24) hours before being discharged.

The policy provides benefits should the Insured require hospital admission and emergency surgical treatment. The policy is between the Insured and Starr and any and all claims are settled to the Insured.

The policy would respond in the following situations:

-While riding as a passenger in a jeepney or on a motorcycle the Insured suffers an accident which requires hospital admission and an overnight stay.

-While walking across the street the Insured was hit by a motor vehicle resulting in injuries requiring the Insured to be hospitalized for a few days.

-An elderly person tripping on the sidewalk resulting in a broken hip requiring hospitalization and emergency surgery to fix the broken hip.

-A child diagnosed with pneumonia which requires hospitalization for a few days.

-A perfectly healthy man with no pre-existing condition and no history of heart disease suffers a heart attack which requires hospitalization for 20 days.

There are four (4) main coverages under the CI policy. The primary coverage is a Critical Illness cover which provides the Insured with a benefit for fifty-one (51) Critical Illnesses. In summary the four (4) coverages under Critical Protect are:

-Critical Illness

-Cancer Surgical Treatment

-Dietary and Nutritional Therapy

-Home Accessibility Benefit

Eligible applicants can purchase up to PHP 2 Million in coverage.

Yes, a waiting period of ninety (90) days from the policy effective date will apply.

Yes, any event which is defined as Pre-Existing will not be covered. Pre-Existing is defined as a condition in which the Insured Person received or was recommended by a Registered Medical Practitioner for any medical treatment, diagnosis, consultation or prescribed drugs, or the existence of any symptoms either known or unknown to the Insured Person within two (2) years preceding the effective date.

The maximum coverage and benefit payable for children will be limited to 10% if only one Parent purchases a Critical Illness plan and 25% provided both Parents purchase the same level of benefit. If each parent purchases a different level of benefit each child will only receive 25% of the parent who has purchased a lower level of benefit. Children is defined as anyone under the 18 years of age or under 25 year’s old if in full time education.

The elderly will enjoy the same benefits and coverage as all adults. There are no coverage or benefit restrictions for the elderly.

Yes, out of fifty-one (51) Critical Illnesses there are eight (8) which have reduced benefits:

- Alzheimer’s Disease

- Angioplasty and Other Invasion Treatments for Coronary Artery Bypass Surgery

- Carcinoma-In-Situ (Breast, Cervix Uteri, Prostate Gland, Testicles)

- Cerebral Aneurysm Requiring Surgery

- Parkinson’s Disease

- Primary Pulmonary Arterial Hypertension

- Rheumatoid Arthritis

- Severe Asthma

No, you will still continue to be covered for all of the other Critical Illnesses, however, should you be diagnosed with another Critical Illness we will only pay the remaining benefit value so that we pay no more than 100% of the benefit covered under the Policy.

Provided you had not had or had any symptoms or suffer from the Critical Illness as excluded in the definition of a Pre-existing Condition and you have met the Waiting Period we will pay you the benefit or reduced benefit purchased when you have been first diagnosed by a Registered Medical Practitioner of a Critical Illness.

The Cancer Surgical Treatment cover is meant to provide you with additional finances and reimburses you for cost of surgical fees which may be incurred for the treatment of Cancer which is first diagnosed during the period of insurance.

Eating the correct foods after being diagnosed with a Critical Illness will hopefully assist the Insured to reclaim one’s health and to get better faster. We will reimburse the Insured for the cost of any Dietary or Nutritional Therapy up to the Sum Insured which is used for reclaiming one’s health.

When you are ready to come home after your battle with Cancer or a Stroke there may be things in your house which may require to be changed to accommodate your needs. Doorways may need to be widened or an access ramp may have to be constructed. The Home Accessibility Benefit helps with the cost of this renovation.

Whilst the policy excludes any Pre-Existing Conditions, Critical Protect covers a total of fifty-one (51) Critical Illnesses which the Policy would respond to should you be first diagnosed.

No deductible applies to any of the Critical Illnesses and its benefits.

TraveLead Domestic plans provides comprehensive insurance protection whilst you are travelling anywhere in the Philippines. TraveLead protects you from unforeseen accidents as well as provides a broad range of other coverages including travel inconvenience, medical treatment, trip cancellation, travel delay, lost baggage, hospital cash and Emergency Assistance Services.