Policies may be reinstated within three (3) years from the date of premium due date in default. Note that upon reinstatement, the policy will be subject to a new two (2) year contestability period.

If reinstatement is made within the 90th day from premium due date in default, the following are the requirements:

  • Reinstatement Questionnaire (duly accomplished)
  • Payment for Unpaid Premiums + Overdue Interest
  • Payment for Outstanding Loan (if any)
  • Reinstatement Fee (PhP100.00 or USD5.00)

If reinstatement is made beyond 90 days from premium due date in default, the following are the requirements:

  • Application for Reinstatement Form (duly accomplished)
  • Health Declaration Form (duly accomplished)
  • Payment for Unpaid Premiums + Overdue Interest
  • Payment for Outstanding Loan (if any)
  • Reinstatement Fee (PhP100.00 or USD5.00)