1. AGRICULTURAL PRODUCERS IV. PRINCIPAL SUM AND ANNUAL PREMIUM
PROTECTION PLAN PLAN
AGE BRACKET
Php 15T Php 20T Php 25T Php 30T Php 35T Php 40T Php 45T Php 50T
The Philippine Crop Insurance Corporation (PCIC)
provides Agricultural Producers Protection Plan (AP3) to ANNUAL PREMIUM (PHP) FOR INDIVIDUAL INSURANCE COVER
agricultural producers, fisherfolk and other stakeholders. ≤ 35 180 240 300 360 420 480 540 600
AP3 is an insurance protection that covers death of the
insured due to accident, natural causes, and murder or 36 to 45 255 340 425 510 595 680 765 850
assault. 46 to 55 330 440 550 660 770 880 990 1,100
56 to 65 480 640 800 960 1,120 1,280 1,440 1,600
I. ELIGIBILITY
66 to70 630 840 1,050 1,260 1,470 1,680 1,890 2,100
Agricultural producers/farmers and fisherfolk, preferably ANNUAL PREMIUM (PHP) PER MEMBER FOR GROUP INSURANCE
with existing agricultural and/or crop insurance coverage COVER WITH 15 TO 25 MEMBERS
with PCIC, including their family members up to the 4th
degree of consanguinity or affinity, and farm workers, hired
≤ 35 165 220 275 330 385 440 495 550
or otherwise, and likewise other agricultural stakeholders 36 to 45 240 320 400 480 560 640 720 800
who are from ages 15 to 70 years old and in general healthy 46 to 55 315 420 525 630 735 840 945 1,050
condition are eligible for coverage.
56 to 65 465 620 775 930 1,085 1,240 1,395 1,550
II. PERIOD OF INSURANCE COVERAGE 66 to 70 615 820 1,025 1,230 1,435 1,640 1,845 2,050
ANNUAL PREMIUM (PHP) PER MEMBER FOR GROUP INSURANCE
• Duration – One year period
COVER WITH 26 TO 40 MEMBERS
• Commencement – Upon full payment of insurance
premium and on the date indicated in the Certificate ≤ 35 150 200 250 300 350 400 450 500
of Insurance Cover (COC) 36 to 45 225 300 375 450 525 600 675 750
• Termination – On the expiry date indicated in the
46 to 55 300 400 500 600 700 800 900 1,000
(COC)
56 to 65 450 600 750 900 1,050 1,200 1,350 1,500
III. COVERED RISKS 66 to 70 600 800 1,000 1,200 1,400 1,600 1,800 2,000
Death of the insured resulting from: ANNUAL PREMIUM (PHP) PER MEMBER FOR GROUP INSURANCE
• Accident; COVER WITH 41 AND MORE MEMBERS
• Natural causes; and ≤ 35 135 180 225 270 315 360 405 450
• Murder or assault
36 to 45 210 280 350 420 490 560 630 700
46 to 55 285 380 475 570 665 760 855 950
56 to 65 435 580 725 870 1,015 1,160 1,305 1,450
66 to 70 585 780 975 1,170 1,365 1,560 1,755 1,950
Notes:
a) Premiums are inclusive of taxes;
b) Under the group insurance cover, a group can only avail of one group plan; however a group member may avail of an
additional plan;
c) Two (2) or more policies may be availed of at any given time per insured individual or group, each to be honored
separately in case of claim;.
d) The aggregate sum insured in all policies shall not exceed P100,000.00;
e) Those with ages 66 to 70 years old shall be covered up to a maximum of P50,000.00 only; and
f ) The same premium shall be charged, if coverage is renewed yearly (within 30 days before expiry), provided that no
escalation of sum insured is made.

2. V. EXCLUDED RISKS X. SUBMISSION OF CLAIM DOCUMENTS
Death caused by any of the following:
• War, invasion, act of foreign enemy, hostilities, or
Within ninety (90) calendar days from the death of
the insured, the following claim documents should be AGRICULTURAL
submitted:
warlike operations, mutiny, terrorism, riot, civil
commotion, strike, civil war, rebellion, revolution
and insurrection, and atomic fission or radioactive
a) Death Certificate duly issued, signed and sealed by
the local Civil Registrar; PRODUCERS
b) Birth Certificate or any legally valid evidence of age
contamination;
• Intentionally self-inflicted injuries, suicide or any
attempt thereat, while sane or insane;
of the deceased;
c) Medical Certificate attesting to the cause of death; PROTECTION PLAN
• Vehicular accidents while driving under the influence d) Police report if the cause of death is by accident or
violent means; and
of liquor or prohibited drugs;
• Rendering military and paramilitary services; e) In case of medical reimbursement claim due to General Information on the
• Engagement in hazardous sports or occupation; accident:
• Illegal acts of the insured; • Hospital bill Agricultural Producers
• Engagement in aviation other than as a passenger in • Official receipt issued by the hospital
commercial flight;
• Abortion, except when pursued as a medical
e) Other documents as may be required by PCIC. Protection Plan
intervention; and A claim shall be settled not later than thirty (30) calendar
• Incidents occurring before the effectivity and after days from the submission of complete claim documents to
the expiry of the insurance coverage as indicated in the PCIC Regional Office or its underwriting agent.
the Certificate of Cover.
VI. BENEFITS AND LIMITS OF LIABILITY XI. MISCELLANEOUS PROVISIONS
In case of death of the insured, PCIC pays the following: Subject Particulars
1. Principal sum of the insurance coverage as Disappearance Disappearance per se of the insured
stipulated in the COC. is not compensable. However, if
2. Additional benefits: death of the insured alleged to have
• Burial benefit of P5,000 per insured, regardless disappeared is proven or established
of total sum insured and number of polices; and later to have occurred during the term
• Medical reimbursement of actual medical of cover, the claim maybe given due
expenses, net of Philhealth and other health course.
insurance benefits, but not to exceed 10% of total
sum insured, in case of hospital confinement of Voidance & The policy shall be voided and
Cancellation cancelled by the PCIC upon occurrence
the insured due to accident. Clause of any of the following during the
effectivity of the policy, and after
VII. BENEFICIARY notice thereof to the insured/lending
Payment of claim shall be made to the named institution/cooperative:
beneficiary indicated in the COC. If the primary beneficiary a) Conviction of a crime thus DEPARTMENT OF AGRICULTURE
is rendered ineligible, the secondary beneficiary shall be increasing the hazard insured against;
the recipient. If the beneficiary is a minor, the appointed b) Discovery of fraud or material PHILIPPINE
trustee is the payee. misrepresentation; and
c) Discovery of willful, reckless acts CROP INSURANCE
VIII. APPLICATION FOR INSURANCE or omissions that increase the hazard
• Where to file - PCIC Regional Office, PCIC Insurance insured against. CORPORATION
Underwriter and Accredited Underwriting Agent. In case of cancellation, the insured is
• When to file - Any date & preferably while applicant not entitled to any premium refund “Sa Paglaban sa Kahirapan at Gutom,
has an existing crop or agricultural insurance for the unexpired term.
coverage. Civil Code It is hereby declared and agreed that
Crop Insurance, Katulong sa Pagbangon.”
• Documents Required - Filled-out Application and 1250 Waiver the provision of Article 1250 of the
Health Statement Form. Clause Civil Code of the Philippines (Republic
Act No. 386) which reads: “In case an 7th Floor, Building A, NIA Complex, EDSA, Diliman,
IX. NOTICE OF CLAIM extraordinary inflation or deflation Quezon City, Philippines
In the event of death of the insured, his beneficiary shall of the currency stipulated should
file a notice of claim (NC) in writing to the PCIC Regional supervene, the value of the currency
Office not later than forty five (45) calendar days from the at the time of the establishment
time of death. of the obligation shall be the basis TeleFax (02) 441-1324
of payment….” shall not apply in Email rmg@pcic.gov.ph
The Notice of Claim shall at least contain the following determining the extent of liability
information: a) Name and address of the insured; b) under the provisions of this policy.
COC Number; c) Cause of death; and d) Date of death.