All premium amounts indicated above are inclusive of 18% VAT, in accordance with applicable Philippine tax laws.

All valid claims filed by Unicon clients are assured of approval, subject to the insurer’s standard claims assessment and policy terms.

Coverage for pre-existing conditions is available only in cases involving life-threatening illnesses, and only if such conditions were truthfully disclosed at the time of application.

Per Insurance Commission and Anti-Money Laundering Council (AMLC) guidelines, full KYC (Know Your Customer) compliance is required prior to policy issuance.

The features and benefits listed above are for general information only. For full coverage details, exclusions, and conditions, please refer to the policy contract or product brochure.

The ₱112,000 (approx. $2,000) benefit limit is applied on a floater basis, meaning it is shared across multiple coverages and not specific to any single benefit category.