Send Love Via Remittance with LBC

1. Age and Eligibility

• Persons below 18 years old or above 64 years old.
• Persons who are mentally impaired or physically handicapped.

2. Illnesses and Medical Conditions

• Loss or injury resulting directly or indirectly from:
  
  • Bacterial or viral infections
  • Sickness or disease (except pyogenic infections resulting from an accidental cut or wound)
  • Parasitic infections
  • Medical or surgical treatment (unless required solely due to a covered accidental injury)
  • Miscarriage or pregnancy
  • Diseases affecting the female reproductive organs

3. Suicide

• Suicide or any attempted suicide, whether the insured is sane or insane.

4. War, Civil Disturbance, and Political Events

• Loss or injury caused by:
  
  • War or acts of foreign enemies
  • Invasion or hostilities (declared or undeclared)
  • Civil war, rebellion, revolution, insurrection, or mutiny
  • Riots, strikes, civil commotion, sabotage, or terrorism
  • Military or usurped power
  • Seizure, quarantine, customs regulations, or nationalization by government authorities

Note: The exclusion relating to martial law or a state of siege is waived within the territorial jurisdiction of the Republic of the Philippines.

5. Nuclear Hazards

• Loss or injury caused by nuclear radiation or radioactive contamination.

6. Sports and Athletic Activities

• Injuries sustained while participating in:
  
  • Amateur or professional athletics
  • Local sports leagues or international tournaments
  • Organized physical contact sports

7. Hazardous Recreational Activities

• Injuries resulting from activities such as:
  
  • Mountaineering requiring ropes or guides
  • Scuba or skin diving using compressed air cylinders
  • Motor or horse racing
  • Skydiving
  • Hang gliding
  • Similar high-risk recreational activities

8. Mining Accidents

• Injuries or loss resulting from mine cave-ins.

9. Alcohol or Prohibited Drugs

• Loss or injury sustained while under the influence of prohibited or regulated drugs or alcohol.

10. Willful Acts or Negligence

• Loss or damage caused directly or indirectly by the insured’s intentional acts or negligence, or those of their representatives.

11. Criminal or Unlawful Acts

• Loss or injury resulting from:
  
  • Committing or attempting to commit a crime
  • Violating traffic or road use regulations
  • Evading arrest
  • Any unlawful act, whether civil or criminal

12. Excluded Occupations and High-Risk Professions

• Loss of life or injury sustained while performing duties in the following occupations is not covered:
  
  • Actors, entertainers, models, media personnel
  • Professional athletes
  • Airline crew, pilots, airport maintenance and ground crew
  • Ambulance and paramedic personnel
  • Fireworks, ammunition, and explosives manufacturers
  • Amusement park and fairground workers
  • Circus, zoo, and wildlife park workers
  • Non-commercial artists
  • Exterior building cleaners
  • Civil engineering and heavy construction workers (including bridge, tunnel, dam, dock, road, foundation, demolition, structural steel, and related works)
  • Construction workers, roofers, railway maintenance personnel
  • Foundry workers, quarry, sand, and gravel pit workers
  • Tree fellers, haulers
  • Film crew, cameramen, and stunt performers
  • International reporters and photographers
  • Members of the Armed Forces, Police, Navy, Marines, and similar uniformed services
  • Security guards, barangay tanods, and firefighters
  • Merchant navy crews
  • Oil rig workers or those who regularly visit oil rigs
  • Persons with two or more personal accident claims within the past five (5) years
  • Persons engaged in hazardous sports or pastimes (e.g., gliding, ballooning, motor racing, rock climbing, parachuting, cave exploration, powerboat racing, private flying as a pilot, scuba diving)
  • Persons residing or intending to reside abroad
  • Workers performing external work at heights exceeding 15 meters (e.g., steeplejacks, scaffolding crew, window cleaners)
  • Persons working underground (e.g., coal miners, colliery engineers)
  • Persons working in or around docks and harbors (e.g., stevedores, dredger operators, wharf workers, tug operators)
  • Underwater workers (e.g., professional divers and diving contractors)
  • Persons working on boats or at sea (e.g., bargemen, crewmen, fishermen)
  • Scrap dealers