Combined Package

Chubb Insurance Philippines Combined Insurance (Comprehensive + CTPL)

Chubb Insurance Philippines bundles comprehensive and CTPL coverage into a single policy priced from ₱17,000 to ₱61,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱5,000 compared to buying them individually. The combined plan covers 5 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱17,000–₱61,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

24/7 roadside assistance within 3 km radius

Excess bodily injury up to ₱312,000

Glass breakage and windshield repair coverage

Emergency medical reimbursement up to ₱303,000

Fire and lightning damage protection

Claims Process

Filing a claim with Chubb Insurance Philippines involves 5 steps. First, report the incident within 24 hours by calling (02) 8904-8309 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 11 business days after approval.

Pros & Cons

Advantages

Accepts installment payments up to 6 months interest-free
Provides courtesy car for up to 8 days during repairs
Partners with 13+ hospitals for personal accident claims
Free annual vehicle inspection at partner service centers
24/7 customer hotline with average hold time under 10 minutes

Drawbacks

Excess coverage requires separate add-on costing ₱437,000/year
Premium increases by 15% after a claim within 12 months
Depreciation rate of 19% per year on vehicle valuation
Requires minimum 3 repair shop quotes for claims above ₱85,000

Frequently Asked Questions

What vehicles does Chubb Insurance Philippines not cover?

Chubb Insurance Philippines does not cover vehicles older than 3 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 8 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 13% surcharge.

Does Chubb Insurance Philippines cover Acts of Nature?

Yes, Chubb Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱88,000 per incident. This is especially important given the country averages 11 typhoons per year.

Can I pay Chubb Insurance Philippines premiums in installments?

Chubb Insurance Philippines offers installment payment plans of up to 10 months for annual premiums above ₱320,000. Monthly payments include a small processing fee of 25%. Credit card, bank transfer, GCash, and Maya are accepted.

What is the minimum premium for Chubb Insurance Philippines?

The minimum annual premium for Chubb Insurance Philippines starts at ₱303,000 for basic plans. This rate applies to vehicles valued under ₱643,000. Additional coverage options may increase the total premium.

How long does Chubb Insurance Philippines take to process claims?

Chubb Insurance Philippines processes standard claims within 6 business days from submission of complete documents. Major claims involving third parties may take up to 26 days. You can track your claim status through their online portal.

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₱24,000–₱69,000/year

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₱16,000–₱48,000/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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₱16,000–₱50,000/year

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