Our hotline is open Monday to Friday, 8:30 AM to 5:30 PM, excluding holidays. For urgent concerns outside these hours, please email us at insurance@goodshepherd.com.ph.

Absolutely. Just let our agent know you’d like to speak with a licensed advisor, and we’ll connect you to one who can guide you through your options.

To help us assist you faster, please have your policy number, full name, and details of your concern ready when you call.

Yes. If our lines are busy, you can request a callback via our website’s Contact Us form or by texting 02-88957003 / 02-88992850 with your name and concern.

Required documents vary by claim type, but generally include:
- A completed claim form
- A copy of your policy
- Proof of loss (e.g., receipts, photos, medical reports)
- Valid ID of the policyholder
Our team will guide you through any additional requirements.

Claims are typically processed within 5 to 10 business days, depending on the complexity and completeness of your submission.

We’ll notify you via SMS, email, or phone call once your claim is reviewed. You can also track your claim status through your account in the customer portal.

If your claim is denied, we’ll provide a clear explanation. You may request a reassessment or submit additional documents for reconsideration.

Yes, a legal representative or beneficiary may file a claim, provided they submit proper authorization and identification

Yes. Claims must be filed within 30 days of the incident or loss, unless stated otherwise in your policy.

No. Filing a claim is free of charge. However, certain claims may be subject to deductibles as outlined in your policy.

Yes. In the Philippines, Compulsory Third Party Liability (CTPL) insurance is required for vehicle registration with the LTO.

- CTPL covers injuries to third parties only.
- Comprehensive insurance covers your vehicle, third-party damage, theft, and more.

Premiums depend on:

- Vehicle type, age, and value
- Location and usage
- Driver’s profile and claims history
- Chosen coverage and deductibles

Immediately:

- Ensure safety and seek medical help if needed
- Report the incident to authorities
- Contact our claims hotline at 02-88957003 / 02-88992850
- Document the scene (photos, police report, witness details)

Yes. We offer coverage for pre-owned vehicles, subject to inspection and valuation.

You can renew online or via our hotline. We’ll notify you before your policy expires.

Notify us immediately. You may transfer the policy to the new owner (if eligible) or cancel and apply for a refund of unused premium.

It typically includes:

- Fire and lightning damage
- Smoke and explosion damage
- Water damage from firefighting efforts
- Loss of contents (furniture, appliances, inventory)
- Optional coverage may include earthquake, typhoon, and flood (acts of nature)

Anyone who owns or rents a residential, commercial, or industrial property can apply. Landlords, homeowners, and business owners are all eligible.

Premiums are based on:

- Property value and location
- Construction materials (e.g., concrete vs. wood)
- Occupancy type (residential, warehouse, etc.)
- Coverage amount and add-ons

It’s not mandatory by law, but it’s often required by banks for mortgage or property loans.

Immediately:

- Report the incident to the fire department and get a fire report
- Notify us via our hotline or claims portal
- Submit required documents (claim form, fire report, photos, proof of ownership)

- Completed claim form
- Fire incident report
- Photos of damage
- Proof of ownership/valuation
- Valid ID of the policyholder

Yes. You can choose to insure just the contents, just the structure, or both—depending on your needs.

Common exclusions include:

- Intentional acts or arson
- War or nuclear risks
- Wear and tear
- Unoccupied properties (unless declared)

- No. Travel insurance is for **unexpected emergencies** while abroad—not routine checkups or long-term care.
- It may include medical coverage, but it’s not a substitute for your regular health plan.

- Ideally **right after booking your trip**—especially if you want cancellation coverage.
- Some policies require purchase within a certain window (e.g., 7–14 days after booking).

- Some providers allow it, but coverage may be limited or delayed.
- Best to buy **before departure**.

- Some policies offer partial refunds if **no claims** have been made.
- Others may allow you to **transfer coverage** to a new trip.

- **Single-trip**: Covers one journey.
- **Multi-trip (annual)**: Covers multiple trips within a year—ideal for frequent travelers.

- Yes. You must have **medical coverage of at least €30,000**.
- Philippine peso plans covering ₱2.5M or USD plans with $50,000 are generally accepted.

Coverage usually includes:

- Outpatient consultations with general practitioners and specialists
- Emergency care
- Laboratory tests and diagnostics
- Hospital confinement
- Annual physical exams
- Some plans may include dental, optical, and mental health services

HMO plans are available for:

- Individuals
- Families
- Employees (via corporate group plans)
- Some providers offer senior citizen and micro-business packages

Simply present your HMO card or digital ID at any accredited hospital or clinic. You may need to book an appointment or get a Letter of Authorization (LOA) for certain services.

An LOA is a document issued by your HMO provider that confirms coverage for a specific medical service. You can request one online, via hotline, or through your HMO app.

Coverage for pre-existing conditions depends on your plan. Some offer limited coverage after a waiting period, while others may exclude them entirely.

You must use accredited hospitals and doctors within your HMO’s network. Services outside the network may not be covered or may require reimbursement.

You can renew or upgrade your plan through our website, hotline, or by contacting your assigned insurance advisor. We’ll help you find a plan that fits your evolving needs.

Contact our support team immediately. We’ll issue a replacement card or provide a digital ID for continued access to care.

If you paid out-of-pocket for a covered service, submit a reimbursement form, official receipts, and medical documents within the allowed timeframe (usually 30 days).

Any registered motorcycle club or group of riders with a minimum number of active members (usually 10 or more) can apply. Individual riders may also be eligible under affiliated clubs

Coverage typically includes:

- Accidental death and disability
- Medical reimbursement for injuries sustained during rides
- Third-party liability
- Motorcycle damage (optional)
- Event coverage for club-organized rides and gatherings

Yes—if you opt for vehicle protection, your motorcycle can be covered for accidents, theft, and natural disasters. Coverage may vary based on bike type and usage.

Yes. Riders Club Insurance can extend coverage to official club events, including charity rides, tours, and meetups—provided they’re registered in advance.

Simply contact our team via [insert hotline/email]. We’ll guide you through the group enrollment process, member registration, and coverage customization.

For clubs:

- Club registration or charter
- List of active members
- Proof of motorcycle ownership For individuals:
- Valid ID
- Motorcycle registration
- Riding history or club affiliation (if applicable)

Pricing depends on:

- Number of members
- Coverage type and limits
- Motorcycle models and usage We offer flexible packages to suit both small clubs and large riding communities.

Coverage usually includes:

- Accidents and injuries
- Illnesses and infections
- Emergency care and hospitalization
- Diagnostic tests and lab work
- Surgery and medication Optional add-ons may include routine checkups, vaccinations, and dental care.

Most plans cover dogs and cats, but some providers also offer coverage for exotic pets like birds, rabbits, and reptiles. Age and breed may affect eligibility

Visit any accredited veterinary clinic, pay for the service, and submit a reimbursement claim with your receipts and vet records. Some plans offer cashless access at partner clinics.

Generally, pre-existing conditions are not covered. However, some providers may offer limited coverage after a waiting period or with special terms.

Premiums depend on:

- Your pet’s age, breed, and species
- Coverage level and add-ons
- Location and vet costs in your area

Yes. We offer multi-pet discounts and bundled plans for households with more than one pet.

You’ll need:

- Your pet’s vaccination records
- Medical history (if available)
- Proof of ownership
- Your valid Id

Construction bonds are a type of surety bond used in the construction industry to ensure project completion, payment to subcontractors, and compliance with contract terms. Common types include:

- Bid Bonds
- Performance Bonds
- Payment Bonds

These bonds are typically required for:

- Contractors and subcontractors bidding on public or private projects
- Developers securing permits or licenses
- Businesses needing to guarantee performance or compliance

Unlike insurance, a surety bond protects the obligee, not the principal. If a claim is paid, the principal must reimburse the surety—it’s more like a credit guarantee than a risk transfer.

Bid Bond: Ensures the contractor will honor their bid and sign the contract if awarded

Performance Bond: Guarantees the contractor will complete the project as agreed

Payment Bond: Ensures subcontractors and suppliers are paid

Bond premiums typically range from 1% to 3% of the bond amount, depending on:

- Bond type and amount
- Contractor’s financials and credit history
- Project size and risk

You may need:

- Completed bond application
- Financial statements
- Business permits or licenses
- Project contract or bid invitation

Some bonds can be issued within 24–48 hours, while larger or more complex bonds may take several days for underwriting and approval.

Yes, but rates may be higher. Some sureties offer high-risk bond programs for applicants with limited credit or financial history

If a bonded party fails to meet their obligation, the obligee can file a claim with the surety. The surety will investigate and may pay damages or arrange for project completion—then seek reimbursement from the principal.

Depending on the plan, coverage may include:

- Death benefit (lump-sum payout to beneficiaries)
- Accidental death and dismemberment
- Terminal illness benefit
- Funeral expenses
- Optional riders for critical illness, hospital income, or education fund

Life insurance is ideal for:

- Parents or breadwinners supporting dependents
- Business owners securing succession plans
- Young professionals locking in low premiums
- Anyone who wants to leave a financial legacy

Term Life: Coverage for a fixed period (e.g., 10 or 20 years); lower cost
Whole Life: Lifetime coverage with cash value accumulation
Variable Life: Combines insurance with investment options
Group Life: Offered by employers or organizations

It depends on your:

- Income and debts
- Family’s living expenses
- Education plans
- Long-term goals We can help you calculate the right amount based on your situation.

Premiums are based on:

- Age and health
- Coverage amount
- Policy type
- Lifestyle factors (e.g., smoking, occupation)

Yes. You can name primary and contingent beneficiaries, and specify how the benefit is divided.

Most policies offer a grace period (usually 30 days). If payment isn’t made, the policy may lapse—but some plans allow reinstatement.

In most cases, life insurance payouts are tax-free for beneficiaries. However, investment-linked policies may have tax implications.

Your beneficiary should:

- Contact our claims team via 02-88957003 / 02-88992850
- Submit a claim form, death certificate, and valid ID
- We’ll guide them through the process with care and clarity