POEA Department Order No. 3 (1992)

(NAR) VOL. III NO. 1 / JANUARY - MARCH 1992

[ POEA DEPARTMENT ORDER NO. 3, January 31, 1992 ]

GUIDELINES ON LIFE AND PERSONAL ACCIDENT INSURANCE COVERAGE

To supplement the life and personal accident insurance coverage enjoyed by all overseas contract workers under Department Order No. 14, Series of 1991, and to fully implement Section 1, Rule VI, Book III of the POEA Rules and Regulations, the following guidelines are hereby issued: I Insurance Coverage Effective 01 January 1992, the minimum coverage of the mandatory life and accident insurance protection for all departing workers provided by the Overseas Workers Welfare Administration (OWWA) under Department Order No. 14, (Series of 1991) shall be increased by the following additional amounts:

1. The minimum face value of the life insurance coverage shall be increased by P25,000.00. The insurance coverage for death due to accident, murder or assault shall correspondingly be increased by P25,000.00;

2. The minimum face value of compensation for death due to suicide after one year of coverage shall be increased by P25,000.00;

3. Compensation for disability or dismemberment under Paragraph 1 (3) of Department Order No. 14 (Series of 1991) shall be adjusted to reflect the following additional benefits: For the loss of Both hands or Both Feet or P25,000 Sight of Both Eyes ………………………….. Loss of Hearing of Both Ears 25,000 ………………. Loss of One hand and One Foot 25,000 …………… Loss of Speech 25,000 ………………………………Loss of Either Hand or Foot and Sight of 25,000 One Eye …………………………………………… Permanent Total Disability 25,000 ………………… Loss of Either Hand or Foot or Sight of 12,500 One Eye …………………………………………… Loss of four (4) Fingers of One Hand 12,500 ……… Loss of One Foot Above the Ankle 12,500 ………… Loss of Thumb and Index Finger of Either 6,250 Hand …………………………………………. Loss of Any Two Fingers of Either Hand 6,250 …… Loss of Big Toe 1,250 ……………………………… II Standard Premium Rates An amount not exceeding P95.50 shall be paid for every year of coverage in addition to the nominal premium rate being paid for the benefits under Department Orders No. 14, Series of 1991. Should the insurance coverage be for more than one year, the amount of premium shall be increased proportionately.

III

Qualified Insurers To ensure continuity and efficient delivery of services and benefits, the same insurance firms presently servicing the insurance program under Department Order No. 14 shall provide the supplemental services necessary to carry out the terms of this Order. For strict compliance. Adopted: 31 January 1992

(SGD.) RUBEN D. TORRES SecretarySource: Supreme Court E-Library