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Student Excel Plus Insurance

Protect the student even after hours.

COCOGEN Student Excel Plus insurance provides financial protection for death or accidental injuries sustained anywhere in the world, 24 hours a day for one year.

It provides security and peace of mind not only to parents but also to school owners.

Protection Features

Accidental Death: pays the insured student's beneficiary the principal amount covered for death occurring within one year from the date of accident and resulting from injuries sustained

 Permanent Total Disablement: Pays the insured the principal amount covered:

  • a. For the loss of two or more limbs or both eyes.
  • b. For permanent total disablement from gainful employment of any kind, other than dismemberment, provided such disability has continued for a period of 52 weeks and is total, continuous, or permanent at the end of this period.

 Permanent Partial Disablement: pays the insured student a percentage of the principal amount covered for permanent loss of use of body parts, according to the following schedule:

  • Loss of one limb or one eye: 70%
  • Loss of hearing: both ears: 75% or one ear: 35%
  • Loss of speech: 50%
  • Loss of thumb: 30%
  • Loss of index finger: 15%
  • Loss of middle finger: 10%
  • Loss of ring or little finger: 5%
  • Loss of big toe: 10%
  • Loss of other toes: 2%

 Double Death Benefit In the event of a fatal accident within school premises.

 Accidental Medical Expense Reimburses the actual cost, up to the amount selected for medical or surgical treatment, including trained nurses and hospitalization, incurred within 52 weeks from the date of accident and resulting from injuries sustained.

 Burial Benefit In case of fatal accident or murder and assault pays for all actual funeral expenses incurred up to Php 5,000.

 Cash Assistance Provides cash assistance equivalent to the amount selected in case of death, not as a result of an accident, murder, or assault.

 Cash Allowance Cash allowance per day of confinement pays the selected amount, up to maximum of 25 days, to defray for incidental expenses while the insured person was hospitalized due to accident.

 Third Party Liability The school shall be covered for property damage to third party up to Php 50,000. Deductible for Third Party Damage - 5% each and every loss; minimum of Php 5,000.


Plan AD & D OR MURDER & ASSAULT DOUBLE DEATH BENEFIT MEDICAL EXPense REIMBURSEMENT Burial Benefit CASH ASSISTANCE CASH ALLOWANCE PER DAY THIRD PARTY LIABILITY ANNUAL PREMIUM
I Php 20,000 Php 40,000 Php 2,000 Php 5,000 Php 1,000 Php 75 Php 50,000 30
II Php 25,000  Php 50,000 Php 2,500 Php 5,000 Php 1,250 Php 100 Php 50,000 33
III Php 30,000 Php 60,000 Php 3,000 Php 5,000 Php 1,500 Php 100 Php 50,000 35
IV Php 35,000 Php 70,000 Php 3,500 Php 5,000 Php 1,750 Php 125 Php 50,000 40
V Php 40,000 Php 80,000 Php 4,000 Php 5,000 Php 2,000 Php 125 Php 50,000 43
VI Php 45,000 Php 90,000 Php 4,500 Php 5,000 Php 2,250 Php 150 Php 50,000 46
VII Php 50,000 Php 100,000 Php 5,000 Php 5,000 Php 3,000 Php 150 Php 50,000 48

*inclusive of taxes

If you want to know more about Student Excel Plus, visit our FAQs page

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