In short
It is the optional unnamed personal accident cover listed in IC Circular Letter 2021-54 (official source) (16 September 2021). It follows the seat, not a named person.
Standard's Car Protect (official source) pays up to ₱50,000 per person for up to 5 people in a sedan (October 2026). Pioneer's online plan pays ₱50,000 per seat.
- IC name
- Unnamed Personal Accident Cover to Driver and Passengers (optional; IC CL 2021-54)
- Who it covers
- Driver and passengers, up to the seating capacity
- Why it matters
- CTPL and excess bodily injury exclude your household and close relatives
- Standard Car Protect
- ₱50,000 per person, 5 people (sedan); ₱100,000 per person, 7 (SUV)
- Pioneer, online
- ₱50,000 per seat; medical up to ₱5,000 (October 2026)
- OONA
- Up to ₱50,000 per passenger
What personal accident cover pays
Auto PA pays the people in your car directly. Cocogen describes it as cover for accidental death and disablement of an unnamed driver or passenger, plus reimbursement of medical expenses.
"Unnamed" means the benefit follows the seat, up to the car's authorised seating capacity.
The IC standard policy schedule gives it its own premium line, "Auto Personal Accident". IC Circular Letter 2021-54 lists it as one of three optional covers, and the IC standard policy (official source) has used that schedule since 1 July 2023.
- Death
- Fixed benefit per person
- Medical expenses
- Reimbursed up to a limit (Pioneer: ₱5,000)
- Seats covered
- Up to the authorised seating capacity
- Named persons
- None needed: the cover is unnamed
Why CTPL does not cover your family in the car
CTPL and excess bodily injury pay third parties, and the standard wording takes your own circle out of that group. Household members riding in the car, relatives within the second degree and employees injured at work are all excluded.
Auto PA fills that gap for the people most often in your car. It also covers the driver, whom no liability section pays.
Choose auto PA if family or a household helper often rides with you, because no liability section pays them. Without it, their hospital bills after a crash fall on the family.
Check the seat count on your schedule, then ask your insurer to add it at renewal.
| Person hurt | CTPL and excess bodily injury | Auto PA |
|---|---|---|
| You, driving | Not paid | Paid |
| Your child or parent riding along | Not paid: relative within the second degree | Paid |
| Household helper riding along | Not paid: household member | Paid |
| A friend riding along | Paid as a third party | Paid |
| Pedestrian you hit | Paid as a third party | Not paid: outside the car |
What each insurer covers
| Coverage |  Alliedbankers Insurance |  Alpha Insurance |  Asia Insurance Philippines |  Asia United Insurance |  AXA Philippines |  Bethel Insurance |  BPI MS |  Cibeles Insurance |  Cocogen Insurance |  Commonwealth Insurance |  Corporate Guarantee Insurance |  Country Bankers Insurance |  FGen Insurance (Fortune General) |  FPG Mercantile |  Liberty Insurance |  Malayan Insurance |  Oona Insurance |  Pacific Union Insurance |  Paramount Insurance |  Petrogen Insurance |  PGA Sompo |  PhilFirst Insurance |  Pioneer Insurance |  Prudential Guarantee |  SGI Philippines |  Standard Insurance |  Sterling Insurance |  Stronghold Insurance |  Travellers Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own damage and theft | Included | Included | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included |
| Excess bodily injury | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Third-party property damage | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Auto personal accident | Included | Included | Not listed | Not listed | Included | Optional | Included | Included | Included | Included | Included | Included | Optional | Included | Not listed | Included | Included | Not listed | Included | Not listed | Not listed | Included | Included | Not listed | Included | Included | Included | Not listed | Optional |
| Acts of nature | Optional | Not listed | Not listed | Not listed | Optional | Optional | Optional | Not listed | Optional | Not listed | Not listed | Not listed | Optional | Included | Not listed | Not listed | Optional | Optional | Optional | Not listed | Not listed | Included | Optional | Not listed | Included | Not listed | Not listed | Not listed | Optional |
| Riot, strike and civil commotion | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Roadside assistance | Included | Included | Not listed | Not listed | Optional | Not listed | Included | Not listed | Included | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Included | Not listed | Not listed | Not listed | Included | Included | Included | Included | Not listed | Included | Not listed | Not listed | Not listed |
| Loss of use | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Included | Not listed | Not listed | Not listed |
Personal accident limits by insurer
Benefits are set per person or per seat, and some insurers cap the total per car. Pioneer lets you choose the number of seats online, from 2 up to the seating capacity.
AXA, Alpha, Country Bankers, Paramount, Pacific Union and Travellers also list an auto PA cover or rider, without amounts on their pages. Compare them in the insurer directory.
| Insurer | Benefit |
|---|---|
| Standard Insurance, Car Protect (sedan, pickup, van) | Up to ₱50,000 per person, up to 5 people |
| Standard Insurance, Car Protect (SUV) | Up to ₱100,000 per person, up to 7 people |
| Pioneer, online | ₱50,000 per seat; medical up to ₱5,000; 2 seats minimum |
| OONA, base comprehensive policy | Up to ₱50,000 per passenger |
| OONA, Auto Liability | Up to ₱50,000 per passenger, ₱250,000 per vehicle |
| Cocogen, Auto Passenger PA Protect | Per person, up to seating capacity; amount set on the policy |
| Bethel | Unnamed passenger PA including the driver, for an additional premium |
Worked example: Standard's sedan cover pays up to ₱50,000 each for 5 people. A crash injuring all five is capped at ₱250,000 in total. OONA's Auto Liability sets the same ₱250,000 as its per-vehicle cap.
Car PA versus a personal accident policy
Searches for personal accident insurance often mean a standalone plan that covers you anywhere. Chubb sells personal accident cover in the Philippines but no private car policy.
Malayan holds a separate Insurance Commission line for personal accident. Those plans are bought on their own.
Auto PA attaches to the car and its seats. Cocogen's wording ties it to injuries "resulting from a car accident".
How to claim personal accident benefits
Claim under the policy of the car the person was riding in. Before you start, have the policy schedule and the police report reference ready.
Notify the insurer as soon as possible and keep every medical receipt from day one, since medical costs are repaid against receipts. The claim is complete when the insurer pays the beneficiary or the hospital.
The claims guide has each insurer's hotline.
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