1. Is it mandatory for the Main Applicant (i.e. Employee) to buy a plan?
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.
2. What is an Occupational Class?
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.
3. Can I purchase these products if my Occupational Class is Class 4?
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.
4. You have only requested my Occupational Class. What happens if my spouse’s Occupational Class is more hazardous?
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.
5. What happens if I misrepresent my Occupational Class?
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.
6. My employer does not insure their Group PA with Starr Philippines. Can I still purchase these products?
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.
7. Who can I buy plans for?
An employee can purchase insurance coverage for himself/herself, his/her spouse, child(ren), parents and parents-in-laws.
8. What is the age eligibility to buy these plans?
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.
9. What products are being offered?
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.
10. Can I buy Hospital Income and / or Critical Illness Plans for children below eighteen (18) years old?
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.
11. Up to what age will children be protected under the plans?
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.
12. How do I buy a policy?
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
13. How do does it take to apply for a policy?
Provided you know what you want to purchase the process will only take about 10 minutes from start to finish.
14. How do I pay my premiums?
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.
15. Do you offer different premium payment options?
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.
16. What other premium payment methods can I use instead of a bank account?
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”.
17. Is there any surcharge applicable for monthly or quarterly payments?
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.
18. What happens if I miss a Monthly or Quarterly payment?
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.
19. Is there a surcharge applied if I opt for the Monthly or Quarterly premium payment options?
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.
20. Why is the first installment premium higher than the other installments?
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.
21. If I leave my employer will my policy expire or terminate?
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.
22. After I buy a plan how quickly will I receive my policy?
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.
23. Can I request a hard copy policy?
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.
24. What is the process of purchasing a policy?
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.
25. Can I buy a policy to cover members of my family who are based overseas or who are Overseas Foreign Workers (OFWs)?
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.
26. We exerted efforts to ensure that the information published on this website is accurate and valid as much as possible at the time of posting. However, the company reserves the right to update the information as necessary.