Manulife Life Insurance

Para sa mas komprehensibong insurance protection, kasama na rin sa Platinum and Gold rewards ang life insurance coverage dala ng Manulife – na applicable kahit hindi naka-online sa platform!

Isa ito sa pinakamalaking insurance package na ino-offer sa ating mga rider, at ON TOP pa ito sa iyong free accident insurance, at InLife emergency medical insurance! Basahin ang mga detalye nito:

Coverage ng Manulife Insurance para sa eligible Gold at Platinum drivers:

  • up to P1M coverage for accidental deaths (basic life) and total permanent disabilities
  • up to P500k coverage for terminal illnesses
  • up to P15k coverage for burial assistance to the family

Mechanics

  • Coverage is valid for 1 year
  • Covers deaths and accidents outside of motorcycle-related activities
  • Applicable para sa mga riders aged 18-65 years old
  • Kapag lampas sa 65 years old, ang maximum coverage ay aabot lang sa Php500,000
  • Ang eligible beneficiaries ng rider ay mga magulang, legal na asawa, legal na anak, at legal na kapatid na may kaakibat na proper documentation (birth cert, marriage license etc)
  • Motorcycling Clause: Ang Ka-Move It ay covered kahit ang death ay dahil sa aksidente habang nakasakay ng motor basta’t hindi under infuence of drugs / alcohol, hindi nag-participate sa isang race/ exhibition, at walang nilabag na batas.
  • NON-TRANSFERABLE (Hindi pwede i-transfer ang coverage sa kamag-anak o kaibigan)

Inclusions

Makukuha ang buong amount kung sakali ikaw ay namatay

Ikaw ang babayaran ng certain percentage ng amount ng iyong insurance sakali may sustained accidental injuries sa loob ng 180 days after ng date of accident:

Injury % of Payout
Loss of Life 100%
Loss of two limbs 100%
Loss of two hands 100%
Loss of two feet 100%
Total loss of sight of both eyes 100%
Loss of arm at or above the elbow 70%
Loss of arm between elbow and wrist 60%
Loss of hand 50%
Loss of four fingers and thumb of one hand 50%
Loss of four fingers n/a
Loss of thumb 15%
Loss of index finger 10%
Loss of middle finger 6%
Loss of ring finger 5%
Loss of little finger 4%
Loss of metacarpals – 1st and 2nd 3%
Loss of metacarpals – 3rd, 4th or 5th 2%
Loss of Leg at or above the knee 70%
Loss of leg below the knee 60%
Loss of one foot 50%
Loss of toes – all of one foot 25%
Loss of big toe 5%
Loss of any toe other than big toe, each 1%
Loss of sight of one eye  50%
Loss of hearing of both ears 100%
Loss of hearing one ear 50%

No payment shall be made under these benefit provisions for any loss resulting from our caused directly or wholly by:

  1. Bodily or mental infirmity, hernia, ptomaine or bacterial infection (except pyogenic infection which hall occur with and through an accidental cut or wound) or disease or sickness of any kind
  2. Poison, gas or fumes (voluntarily or involuntarily taken), atomic explosions, nuclear fission or radioactive gas
  3. Accident occurring while or because the member is affected by alcohol or any drug
  4. Self-destruction or any attempt while sane or insane
  5. Participation in any brawl
  6. Any violation or attempt of violation of the law or resistance to arrest
  7. Murder and assault
  8. War, declared or undeclared, strike, riot, civil war, revolution or any war-like operations, or while under orders for war-like operation or restoration of public order
  9. Entering, operating or servicing, ascending form or with any aerial or marine device or conveyance except while travelling as a passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a schedule air or sea service over an established passenger route
  10. Any injury suffered while engaging in following activities: aqualung diving, boxing, climbing, flying except air travel, football hang-gliding, hunting, ice hockey, motor competitions, parachuting, hurling, polo, pot-holing, power boating, racing, showjumping, skydiving, use of woodworking machinery, water ski jumping and tricks, winter sports, wrestling, yachting beyond 5kms of a coastline
  • Makakkuha ang buong amount kung sakali ikaw ay naging totally and permanently disabled mula sa bodily injury or disease na maaari makapigil sayo na makapagtrabaho
  • Dapat disabled for a continuous period of at least two (2) months
  • Hindi pa nagagamit ang iyong insurance
  • Exclusions: No payment shall be made under these benefit provisions for any loss resulting from or caused directly or wholly by:
    1. Poison, gas or fumes (voluntarily or involuntary taken), atomic explosions, nuclear fission or radioactive gas
    2. Self-destruction or any attempt while sane or insane
    3. War, declared or undeclared, strike, riot, civil war, revolution or any war-like operations, or while under orders for war-like operations or restoration of public order
    4. Disease which originated, or bodily injury which occurred, before the effective date of this benefit provision if the insured member received medical or surgical treatment for such disease or illness within three (3) years immediately before such effective date, unless such treatment was disclosed in the application for coverage
    5. Injury or death in decliable areas

Upon death notification, the family of the insured member will receive an amount to help cover expenses or settle outstanding debts and liabilities brought about by the death of the member

Upon death notification, the family of the insured member will receive an amount o help cover expenses or settle outstanding debts and liabilities brought about by the death of the member

Claiming

I-report ang incident sa Move It Help Center para ma-validate at process ang claims ng iyong insurance

FREQUENTLY ASKED QUESTIONS

Hindi, dahil magkaiba ang accident insurance coverage ng pasahero. Ang Manulife insurance ay para sa mga riders upang mabigyan sila ng proteksyon pati sa labas ng ride-related incidents (ex. heart attack, cancer, medical issues etc.)

Hindi, dahil one time reward lang ito na valid for one year only. Hindi rin transferable sa iba.

Hindi, pero kailangan ay active rider ka pa rin ng Move It para ma-retain ang insurance coverage.

Hindi, hihingin ng insurance provider ang proper documentation tulad ng marriage certificate o birth certificate para maipakita ang legal relation.

Oo, kabilang pa rin dito ang non-ride related incidents.

Kabilang dito ang death certificate, medical certificate, police reports, at legal proof of relation. Maaaring i-contact ang Move It Help Center kung may tanong sa pag-claim nito.

Paano i-redeem ang rewards?

Para ma-enjoy ang iyong rewards, sundan ang gabay para maayos na ma-claim ito:
Fuel: Phoenix Voucher via Limitless App

Kapag qualified sa incentive, makakatanggap ang rider ng SMS mula sa Phoenix kapag pumasok na ang mga e-vouchers. Kailangan gamitin ang Limitless app para makuha ito.

Learn More

Health Check-Up: KonsultaMD Subscription

Kapag na-activate na ang voucher code sa app, may isang (1) buwan na pwede itong gamitin bago mag-expire.

Learn More

Grab Vouchers: Load, GrabFood, GrabMart

Ang lahat ng riders sa Ka-Move It Rewards ay kailangan gumawa ng Grab passenger account. Gamitin ang email at mobile number na ginamit sa Move It account.

Learn More

Medicine: Generika MedPadala

Ang balance ay valid sa loob ng tatlong (3) buwan sa oras ng pag-redeem. Kung hindi ito magamit, ito ay mag-eexpire.

Learn More

InLife Pre-Paid Health Insurance

Kapag qualified sa incentive, ang rider ay makakakuha ng SMS na may e-voucher code mula sa InLife. Alamin ang mga instructions sa pag-register at pag-redeem dito.

Learn More

SODEXO E-Gift Vouchers

Isa sa mga KMR Missions rewards ang Sodexo e-gift certificates na ipapadala via SMS. Alamin ang mga instructions sa pag-register at pag-redeem dito.

Learn More

Manulife Life Insurance

I-report and incident sa Move It Help Center para ma-validate at process ang claims ng iyong insurance

Learn More

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Examples of Infringement

Infringement Category

1.Hindi pagdalo sa refresher training dala ng paglabag ng Driver Guidelines na ito

Actions for Infringement

      • First Offence: Interview and Suspension – 5 days
      • Second Offence: BAN

2. Kabiguang makumpleto ang anumang mandatory training na required ng Move It

Actions for Infringement

      • First Offence: Suspension until completion 
      • Second Offence: BAN

Examples of Infringement

Infringement Category

1.Pag-post o pag-share sa social media o anumang messaging app ng personal na impormasyon ng pasahero, eater, sender, customer, merchant, o empleyado ng Move It

Actions for Infringement

    • First Offence: BAN

Examples of Infringement

Infringement Category

1. Paggamit ng bulgar o hindi angkop na mga salita sa anumang anyo laban sa pasahero, sender, eater, merchant, kapwa driver/delivery-partner, o sa mga empleyado ng Move It bago, habang, o matapos ang trip/delivery. Kasama na rito ang pag-popost nito sa Social Media. Halimbawa nito ang pagkumento ng “Ang taba mo naman” o “Ang sexy mo naman” sa anumang anyo verbal o text man.

Actions for Infringement

  • First Offence: Warning
  • Second Offence: Suspension – 3 days w/ Retraining
  • Third Offence: BAN 

2. Lahat ng klase at anyo ng verbal/written harassment o pagbabanta laban sa pasahero, sender, eater, customer, o merchant. bago, habang, o pagkatapos ng trip/delivery. Halimbawa, ang pagbabanta ng “Susuntukin kita!” o “Sasaktan kita” sa anumang anyo text man o personal.

Actions for Infringement

  • First Offence: Interview and 3 days suspension 
  • Second Offence: BAN 

3. Lahat ng klase at anyo ng physical harassment laban sa pasahero, sender, eater, o merchant. Kasama rito ang paggawa ng criminal acts sa platform tulad ng physical/sexual assault, rape, murder, at kidnap

Actions for Infringement

  • First Offence: BAN

4. Pag-asal o pakikipag-usap sa sekswal na paraan sa pasahero, sender, eater, merchant o kapwa driver/delivery-partner. Halimbawa nito ang pagtapik o paghawak sa legs o anumang parte ng katawan ng pasahero, o pagtitig sa suot o katawan ng pasahero, o mga pagtatanong/pagbibigay ng sexual questions/ suggestions.

Actions for Infringement

  • First Offence: BAN

Examples of Infringement

Infringement Category

1.Pagiging sanhi ng minor injuries o damages dahil sa careless o reckless driving

Actions for Infringement

    • First Offence: Suspension – 1 week
    • Second Offence: BAN 

2. Pagiging sanhi ng major injuries o death (pagkamatay) dahil sa careless o reckless driving

Actions for Infringement

  • First Offence: BAN

3. Ang driver/delivery-partner ay may criminal offense o nasasailalim sa criminal na imbestigasyon ng mga awtoridad

Actions for Infringement

  • First Offence: BAN – Can be reinstated if court clearance is applied

4. Pagkabigo na ibalik ang item sa nagpadala sa loob ng naibigay na timeframe
Santions

Actions for Infringement

  • First Offence: Suspension + Interview (Ban if not contactable after 3 days)
  • Second Offence: BAN

Examples of Infringement

Infringement Category

1.Paglabag sa anumang mga patakaran at regulasyon sa trapiko.

Actions for Infringement

    • First Offence: Warning
    • Second Offence: Suspension 1 week
    • Third offence: BAN

2. Paggamit ng produkto para sa ibang bagay kaysa sa inilaan na paggamit ng rehistradong vertical

Actions for Infringement

    • First Offence: Suspension – 3 Days
    • Second Offence: BAN

3. Nahuli ng awtoridad dahil sa hindi paggamit ng helmet o tamang riding gear para sa parehong rider-partner at pasahero

Actions for Infringement

  • First Offence: BAN

Examples of Infringement

Infringement Category

1.Posession ng drugs o anumang drug-related offences

Actions for Infringement

  • First Offence: BAN

2.Pagmamaneho habang nasa impluwensya ng droga o alcohol

Actions for Infringement

  • First Offence: BAN

3. Pagtataglay ng anumang armas

Actions for Infringement

  • First Offence: BAN

Examples of Infringement

Infringement Category

1.Paggamit ng ibang sasakyan/plaka/account kumpara sa nakalagay sa app

Actions for Infringement

  • First Offence: BAN

2.Paggamit ng sasakyan na wala sa kondisyon o poor quality tulad ng may amoy, madumi, o may damage na sasakyan

Actions for Infringement

  • First Offence: Warning
  • Second Offence: Suspension – 2 days with retraining
  • Third Offence: Suspension – 5 days with retraining
  • Fourth Offence: BAN 

3.Pinayagan ang ibang tao na gamitin ang kanilang sasakyan, lisensya ng Move It Rider sa paggawa ng mga trabaho sa Move It 

Actions for Infringement

  • First Offence: BAN

Examples of Infringement

Infringement Category

1.Hindi pagsunod sa Safety and Health Protocols alinsunod sa Road Safety at Government guidelines.

Actions for Infringement

  • First Offence: Suspension until Driver Partner complies

Examples of Infringement

Infringement Category

1.Paggamit ng anumang pananalita sa salita man o sa pamamagitan ng mga text message na maaaring magkomento sa lahi, relihiyon, nasyonalidad, pananaw sa pulitika, kapansanan, oryentasyong sekswal, kasarian, edad o iba pang katangian.

Actions for Infringement

    • First Offence: BAN

Examples of Infringement

Infringement Category

1.Pagkabigong makamit ang mga patakaran ng Move It na may kaugnayan sa Quality Framework ng Driver at Rider

Actions for Infringement

  • First Offence: Suspension – 3 days
  • Second Offence: Suspension – 5 days
  • Third Offence: BAN

Examples of Infringement

Infringement Category

1.Pagkuha ng pasahero kasama ang iba pang pasahero sa sasakyan 

Actions for Infringement

  • First Offence: BAN

2.Pangongolekta ng fare na hindi naaayon sa nakalagay sa app. Kasama na rito ang pamimilit sa ng pasahero na magbayad ng cash kahit na naka-Move It Wallet ang booking, hindi pagbibigay ng tamang sukli, at maling pag-edit final fare.

Actions for Infringement

  • First Offence: Supension with 3 days retraining
  • Second Offence: BAN

3.Sinasadyang pag-delay ng trip sa pamamagitan ng hindi pagsunod sa mungkahi na ruta sa mapa

Actions for Infringement

  • First Offence: Suspension – 3 days 
  • Second Offence: BAN

Examples of Infringement

Infringement Category

1.Paninigarilyo sa loob ng sasakyan habang may pasahero.

Actions for Infringement

    • First Offence: Suspension – 3 days, with retraining 
    • Second Offence: BAN

2. Walang cleanliness, personal hygiene and inappropriate attire/gear for Move It uniform, vest, closed shoes and helmet. 

Actions for Infringement

    • First Offence: Suspension – 1 day, with retraining
    • Second Offence: Suspension – 3 days, with retraining
    • Third Offence: BAN

Examples of Infringement

Infringement Category

1.Sinasadyang pag-pick-up ng pasahero ng ibang rider-partner

Actions for Infringement

    • First Offence:  Suspension – 3 days
    • Second Offence: Suspension – 1 week
    • Third Offence: BAN  

2. Pag-drop-off sa pasahero sa hindi tamang lugar o drop-off point

Actions for Infringement

    • First Offence:  Suspension – 3 days
    • Second Offence: Suspension – 1 week
    • Third Offence: BAN

Examples of Infringement

Infringement Category

1. Hindi pag-report sa Move It kung nasangkot sa anumang road accident

Actions for Infringement

      • First Offence: Suspension – 3 days, with retraining
      • Second Offence: Suspension – 1 week, with retraining
      • Third Offence: BAN

2. Reporting fake incidents or emergencies

Actions for Infringement

        • First Offence: BAN

Examples of Infringement

Infringement Category

1. Anumang uri ng gaming ng incentives, fares o anumang nakakaapekto sa kita. Kasama na rito ang pangugnguntsyaba sa pasahero, peer, Move It employee, kapwa rider-partner pati narin ang paggawa o paggamit ng fake bookings o accounts.

Actions for Infringement

  • First Offence: BAN

2. Nagdudulot ng kaguluhan sa publiko o istorbo sa publiko dahil sa mga aksyon ng driver (hal. paggawa ng hindi katanggap tanggap na gawain tulad ng away o sigawan sa publiko.)

Actions for Infringement

  • First Offence: BAN

3. Sinadya na gumamit ng may sirang aparato / handphone na nagpapahina sa GPSS

Actions for Infringement

  • First Offence: Suspension – 3 days
  • Second Offence: Suspension until dax changes phone

4. Pagpatay ng GPS o mobile data habang nasa biyahe

Actions for Infringement

  • First Offence: BAN

5. Pananatili ng mga gamit na pag-aari ni pax na naiwan sa sasakyan o nabigong ihatid sa pasahero ng higit sa 48 oras

Actions for Infringement

  • First Offence: BAN (Suspended until return)
  • Second Offence: BAN

6. Paggamit ng modified app o 3rd party applications na hindi pinapahintulutan ng Move It

Actions for Infringement

  • First Offence: BAN

7. Palsipikasyon o forging ng anumang dokumento na isinumite sa Move It o sa mga regulators

Actions for Infringement

  • First Offence: BAN

8. Pagbebenta/pagpapahiram ng Move It gear

Actions for Infringement

  • First Offence: BAN

9. Pagdalo sa mga political rally, demonstrasyon, o nangangampanya habang kinikilala ang sarili bilang Move It, o nakasuot ng Move It attire (kung online man o wala sa platform)

Actions for Infringement

  • First Offence: BAN

10. Pang-uudyok, pang-istorbo, panggagambala sa operasyon ng Move It, at alinman sa mga stakeholder nito na kinabibilangan ng mga Driver at Pasahero
Actions for Infringement

  • First Offence: BAN

11. Pagpakalat ng maling impormasyon o anumang mga gawain na makakaapekto sa reputasyon ng Move It.

Actions for Infringement

  • First Offence: BAN

12. Pagkabigong sumunod sa  Gear Compliance Check.

Actions for Infringement

  • First Offence: Suspension 3 days + training
  • Second Offence: Suspension 5 days + training
  • Third Offence: BAN

Examples of Infringement

Infringement Category

1.Anumang uri ng pananakit at / o pagbabanta sa kawani ng Move It o mga external parties sa Driver Center / Move It office

Actions for Infringement

  • First Offence: BAN

Examples of Infringement

Infringement Category

1.Pagmamaneho nang walang valid driving license o vocational license (hindi kasama ang mga cyclists at walkers)

Actions for Infringement

  • First Offence: Suspend until submission of valid license
  • Second Offence: BAN 

2. Pagmamaneho ng walang valid vehicle requirements mula TWG

Actions for Infringement

  • First Offence: Suspend until submission of valid license
  • Second Offence: BAN
  •  

3. Hindi pagsunod sa anumang kinakailangan ng gobyerno/regulasyon, tulad ng mga kaugnay na Memorandum Circulars ng TWG

Actions for Infringement

  • First Offence: Suspension – 3 days
  • Second Offence: BAN – name and license number to be submitted to TWG
    •  

4. Exterior ad ng motorsiklo habang nasa pagbiyahe nang walang kaukulang permit mula sa LTFRB at DICT na naproseso sa pamamagitan ng Move It (kasama ngunit hindi limitado sa sampling, mga balot ng bisikleta, mga board ng bisikleta)

Penalties for Violation

  • First Offence: Suspension – 3 days, ad removal or permit required
  • Second Offence: BAN
        •  

5. False declaration ng criminal record

Actions for Violation

  • First Offence: BAN
            •