How to get an accident and fire insurance for three months in the Philippines

For only 10 pesos, you can avail of the PHP7,500 pesos accident insurance, and PHP2,500 pesos fire insurance coverage for three months!

As I read from the Smart Communications press release, the service allows its subscribers to get an insurance package straight from their cellphones by texting HAPI 10 and sending it to 808.

Smart subscribers can avail of the basic insurance package worth PHP10 airtime load (HAPI 10 is equivalent to the PHP7,500 accident and PHP2,500 fire insurance), or up to 5 units (worth PHP50 from the subscriber’s airtime load) by sending it five times.

After texting the desired insurance package, the subscriber will then receive an SMS to continue registration using the keyword HREG with their full name, age, and address. Within 24 hours, a confirmation SMS will be received affirming the three-month insurance coverage along with the unique Insurance Reference Number (IRN).

The subscriber must keep the IRN because it is the one proof that will be used in claiming the benefits, should accidents arise. The said insurance can be claimed at any Cebuana Lhuillier outlet in the Philippines.

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