How to Apply for the GSIS Personal Accident Insurance Program

Accidents can happen anytime and anywhere, which makes having proper protection a smart decision.

The GSIS My Shield Personal Accident Insurance is designed to give you peace of mind, offering around-the-clock coverage for you and your loved ones.

Whether you’re at home, at work, or traveling, this insurance keeps you protected.

With coverage options ranging from PHP 50,000 to PHP 5 million, the GSIS My Shield personal accident insurance provides flexibility to suit your individual needs and budget.

GSIS Personal Accident Insurance

What is GSIS Personal Accident Insurance?

GSIS Personal Accident Insurance is a comprehensive protection plan that covers accidental death, permanent disability, and medical expenses resulting from accidents.

It’s available for active GSIS members, retirees, pensioners, and their family members, so that they are covered in case of unforeseen events.

This insurance helps shield you from the financial burdens caused by accidents, whether you are a government employee, retiree, or a dependent.

 

Who Can Avail of GSIS Personal Accident Insurance?

This insurance plan is available to the following individuals:

  1. Class A: Active GSIS members.
  2. Class B: GSIS retirees or pensioners, along with their spouses, children, siblings, and parents.
    It’s a wide-reaching coverage that includes family members, making it a practical option for many.

Key Features

The GSIS Personal Accident Insurance offers several features aimed at providing comprehensive protection:

  1. Accidental Death Coverage: It provides full compensation in the event of death due to an accident, including accidental deaths resulting from animal bites.
  2. Medical Reimbursement: This feature helps cover the cost of medical treatment following an accident, with a reimbursement up to 10% of the insured amount or PHP 50,000, whichever is lower.
  3. Unprovoked Assault Coverage: The insurance covers injuries resulting from unprovoked assaults or murder, with compensation amounting to 50% of the insured sum, up to PHP 50,000.
  4. Travel Insurance: The policy extends coverage for accidents that happen while traveling, providing added protection during trips.

Eligibility

The GSIS Personal Accident Insurance offers coverage to individuals between the ages of 3 and 80 years old.

If you’re within this age range, you can apply for the insurance or include family members under your coverage.

Children under the guardianship of a GSIS member or retiree can also be covered, provided that proof of guardianship is submitted.

Range of GSIS Personal Accident Insurance Coverage

  1. Accidental Death: If the insured passes away due to an accident, the policy provides 100% of the insured sum as the death benefit.
  2. Dismemberment or Loss of Function: In the case of permanent loss of limbs, sight, hearing, or speech resulting from an accident, the insured will receive compensation based on the level of impairment.
  3. Permanent Total Disability: For those who suffer from a permanent disability due to an accident, the policy provides a monthly payment of 1% of the insured amount for up to 100 months.
  4. Medical Expenses: The insurance reimburses medical expenses incurred within 52 weeks from the date of the accident.
  5. Unprovoked Murder or Assault: If the insured is a victim of unprovoked assault or murder, the policy provides compensation amounting to 50% of the insured sum, capped at PHP 50,000.

Requirements

If you’re interested in applying for the GSIS Personal Accident Insurance, there are some documents that you need to prepare:

For New Applicants:

  1. Application Form: Download the application form from the GSIS website and complete it with accurate details.
  2. Proof of Relationship: If the applicant is a family member of a GSIS member, submit a photocopy of the marriage or birth certificate to establish the relationship.
  3. UMID Card or Valid IDs: A photocopy of the applicant’s UMID card or two valid government-issued IDs is required for retirees and pensioners.

For Renewal:

  1. Renewal Form: Download the renewal form from the GSIS website and ascertain that all required information is filled in before submission.

Application Form

The GSIS Personal Accident Insurance Application Form can be downloaded from the GSIS official website here.

To apply, simply download and complete the form, providing all necessary personal and coverage details.

Submit the filled-out form, along with any required supporting documents, to the nearest GSIS office or through available online submission options.

20151201-Forms-GI-Personal_Accident_Insurance_page-0001
Sample Form | Credits: GSIS

How to Apply for GSIS Personal Accident Insurance: Step-by-Step Guide

Step 1: Research the Coverage Options

Begin by gathering all the necessary information about the GSIS Personal Accident Insurance.

You can visit the GSIS website or contact their customer service for details on available coverage options, terms, and conditions.

Step 2: Assess Your Coverage Needs

Before applying, assess your own and your family’s needs.

Consider factors such as your age, occupation, lifestyle, and financial situation to determine the coverage that best suits your circumstances.

Step 3: Prepare the Required Documents

Make sure you have all the necessary documents on hand before starting your application.

This may include identification documents, proof of relationship (for dependents), and any other relevant papers as specified by GSIS.

Step 4: Fill Out the Application Form

Download the application form from the GSIS website.

Fill in all the necessary information, making sure to review the form thoroughly to avoid any mistakes.

Step 5: Submit Your Application

Submit the completed application form and supporting documents to the nearest GSIS office or via their online platform if available.

Step 6: Pay the Premium

Once your application has been processed, GSIS will provide details for the premium payment.

Make sure to pay the premium within the specified deadline to activate your policy.

Step 7: Receive Confirmation and Policy Documents

After paying the premium, you will receive a confirmation of your insurance application.

GSIS will send the policy documents, confirming your coverage and the benefits included.

Step 8: Review the Policy Terms

Once you receive your policy documents, review them carefully.

Make sure to understand the coverage limits, exclusions, and how to file a claim in case of an accident.

Video: Marcos: Teachers will also have Personal Accident Insurance from GSIS | ANC

President Ferdinand Marcos Jr. delivered his third State of the Nation Address on July 22, 2024. He announced that teachers will receive Personal Accident Insurance from GSIS. This new benefit aims to provide additional security for educators. The announcement was a key part of his address, reflecting his administration’s focus on supporting the education sector.

 

Benefits of GSIS Personal Accident Insurance

GSIS Personal Accident Insurance offers valuable protection against unexpected accidents, covering medical expenses and compensating for injuries or accidental death.

This insurance provides financial support, so you don’t have to face the aftermath of an accident alone.

With coverage options tailored to suit your needs, it’s a practical way to protect both you and your family.

Conclusion

The GSIS Personal Accident Insurance is a comprehensive plan that offers protection for both GSIS members and their families.

By providing coverage 24/7, this insurance ascertains that no matter where you are or what you’re doing, you’re protected.

With coverage options ranging from PHP 50,000 to PHP 5 million, you have the flexibility to choose the plan that fits your budget and lifestyle.

Take the step to secure your financial future today with GSIS Personal Accident Insurance.

error: Content is protected !!