Combined Package

Asia Insurance Philippines Combined Insurance (Comprehensive + CTPL)

Asia Insurance Philippines bundles comprehensive and CTPL coverage into a single policy priced from ₱16,000 to ₱48,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱4,000 compared to buying them individually. The combined plan covers 7 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱16,000–₱48,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Acts of Nature coverage (typhoon, flood, earthquake)

No-claim discount of up to 18% on renewal

Emergency medical reimbursement up to ₱253,000

Riot, strike, and civil commotion coverage

Third-party property damage up to ₱315,000

Bodily injury liability up to ₱344,000 per person

Glass breakage and windshield repair coverage

Claims Process

Filing a claim with Asia Insurance Philippines involves 6 steps. First, report the incident within 24 hours by calling (02) 8096-4032 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 5 business days after approval.

Pros & Cons

Advantages

Coverage extends to natural calamities common in PH
Partners with 18+ hospitals for personal accident claims
Provides courtesy car for up to 14 days during repairs
Mobile app available for iOS and Android with claims tracking
Free annual vehicle inspection at partner service centers

Drawbacks

Deductible starts at ₱220,000 for first-time claims
Requires minimum 3 repair shop quotes for claims above ₱488,000
Processing time can reach 9 days for major claims
Online portal lacks some features available in-app only

Frequently Asked Questions

Does Asia Insurance Philippines offer a no-claim discount?

Asia Insurance Philippines provides a no-claim discount of up to 27% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 12 consecutive claim-free years. The maximum cumulative discount reaches 34%.

Does Asia Insurance Philippines cover Acts of Nature?

Yes, Asia Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱270,000 per incident. This is especially important given the country averages 14 typhoons per year.

How do I file a claim with Asia Insurance Philippines?

To file a claim with Asia Insurance Philippines, call their 24/7 hotline within 15 hours of the incident and submit photos plus a police report within 43 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

What is the minimum premium for Asia Insurance Philippines?

The minimum annual premium for Asia Insurance Philippines starts at ₱152,000 for basic plans. This rate applies to vehicles valued under ₱452,000. Additional coverage options may increase the total premium.

How long does Asia Insurance Philippines take to process claims?

Asia Insurance Philippines processes standard claims within 16 business days from submission of complete documents. Major claims involving third parties may take up to 44 days. You can track your claim status through their online portal.

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₱24,000–₱69,000/year

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₱23,000–₱61,000/year

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₱25,000–₱40,000/year

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₱18,000–₱65,000/year

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₱17,000–₱61,000/year

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₱16,000–₱50,000/year

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