These Terms and Conditions (“Terms”) govern your access to and use of MILVIK (BIMA) Insurance Agency Inc.’s, (“BIMA Philippines”) website, products, and services (“Products”).  Please read these Terms carefully prior to availing of any of the Products provided by BIMA Philippines.


By using our website, you confirm that you have read and agreed to be bound by these Terms and our Privacy Policy. These Terms set forth your rights and obligations with respect to your availment of any of the Products of BIMA Philippines. If you do not agree to all of the terms as set forth below and privacy policy, you should not avail of the Products of BIMA Philippines.


BIMA Philippines reserves the right to make changes to these Terms from time to time and you shall be informed to the changes made. Customers are expected to review the terms and conditions regularly.



Any Filipino citizen who is over 18 years old but below 65 years old and must be either a SMART or TNT subscriber. He/she must be able to do any of following daily activities without any assistance and support aide: washing, toileting, feeding, dressing and transferring.


However, persons engaged in the following occupation are not eligible to avail of our Products: detectives, secret service personnel, miners, underground workers, fireworks and explosive makers, and members of the military.


By availing of our Products, you represent, undertake and warrant that you have the right, authority and capacity to enter into this agreement and comply with all of the Terms.



Personal Accident Insurance: The policy covers accidental death and disablement caused by fire, natural disaster, food poisoning, animal bites (except mosquito bites), vehicular accident, and unprovoked murder.


Life Insurance: The policy covers death caused by illness and pre-existing condition with 6 months contestability period, medical surgery, unprovoked murder, natural death, and suicide ( 10% cash benefit if it happens within the first year of enrollment).





You mail avail of BIMA Product through any of the following SMS Keywords:


  1. BIMA70 for Personal Accident Insurance with coverage up to PHP 210,000 from accidental death and disability for a period of one month from receipt of confirmation message;


  1. BIMA120 for Personal Accident Insurance with coverage up to PHP 360,000 from accidental death and disability for a period of one month from receipt of confirmation message;


  1. BIMA165 for Personal Accident Insurance with coverage up to PHP 495,000 from accidental death and disability for a period of one month from receipt of confirmation message; or


  1. BIMA300 for Personal Accident plus Life Insurance with coverage of up to PHP 360,000 for accidental death and disability, and PHP 40,000 for life insurance for a period of one month from receipt of confirmation message; Please see Bima Life Provision.

The Insurance Policy availed through SMS Keyword shall be automatically renewed per month, unless otherwise deregistered as set forth below.




We encourage you to pay a premium every month. Your subscription to the insurance policy, when availed through SMS Keyword or through a BIMA Agent or website when paid through the use of a credit card, shall automatically be renewed and premiums shall be automatically be charged or deducted, as the case may be every month.  For prepaid users, premium will be deducted through airtime balance. For postpaid and credit card users, premiums will be reflected in every billing statement.


You can opt-out of auto-renewal at any time. If you have not opted out, then, the subscription will be auto-renewed for the next period. You can cancel auto-renewal by deregistering as set forth below.




The policy does not cover loss, cost, or expense of whatever nature, directly or indirectly caused by or resulting from any of the following instances:

  • Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane. Except to those who avail BIMA Bundle Protection.

  • Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision except to BIMA Life.

  • Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form;

  • War, invasion, an act of a foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular specifically refer to it in whole or in part;

  • Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination, and chemical or biological contamination. For the purposes of nuclear and/or chemical and/or biological substances which cause illness and/or disablement and/or death;

  • Accident occurring while the insured individual is operating or learning to operate or serving as a crew member of an aircraft or Sea Craft;

  • Accident occurring while the insured individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying, sailing or other hobbies which are comparably dangerous and risky unless sports premium is paid to cover such risk;

  • The accident caused by the effect of alcohol or any unprescribed drug on the insured individual.

  • Death caused by pregnancy is excluded from life insurance coverage.

  • Death caused by illness in a pre-existing condition has a contestability period of 6 months for life insurance.




All claims filed with us shall be governed by the Group Insurance Policy issued by our Principal Insurers. All claims shall subject to the approval of our Principal Insurers. BIMA Philippines and our Principal Insurers have the right to check the authenticity of all requirements that have been sent for claims. BIMA Philippines and the Principal Insurers have also the right to request documents that will support claim application.


In presenting your claim, the following documents are required to be present:

  1. Filled up Claim Form

  2. Government-issued ID

  3. Police Report

  4. Medical and/or Death Certificate

  5. Proof of Relationship to Beneficiary (ex. Marriage Contract, Birth Certificate)

For any questions regarding the Group Insurance Policy or your copy of your Certificate of Cover, you may contact our customer service hotline through email at or call us at (02)  7 621 4505, 0917-464-2462 (Globe), or 0918-663-3248 (Smart), or contact your Policyholder or Insurers directly through the following contact numbers:


Pioneer Customer Engagement Center

Contact Number:        +632 7 750 5433

                                    +632 8 812 2832

Email Address: info@pioneer.com.ph




To deregister, you may text the keyword plan followed by OFF (ex. BIMA70 OFF) and send to 2462. For assistance regarding the deregistration process, you may contact our customer service hotline at (02) 621 4505, 0917-464-2462 (Globe), or 0918-663-3248 (Smart).


BIMA Philippines may require you to send documents to validate your identity.



Starting August 20, 2019, BIMA Philippines’ Personal Accident Insurance will get better as insurance cover has been increased to PHP360,000 and PHP495,000 for BIMA120 and BIMA165, respectively.


The monthly premium amounting to PHP120 or PHP165 may be conveniently paid through one-time deduction via your airtime balance or postpaid bill.

To learn more about our product, you may contact our customer service hotline through email at or call us at +63 (02)  8 621 4505 or +63 (02) 0918 663 3248.

Thank you very much for supporting BIMA Philippines in its mission of protecting the future of every family.



5th Flr., West Tower, Philippine Stock Exchange, Exchange Rd., Ortigas Center, Pasig City.1605 

Telephone : (02) 7 621 4505 

Globe: 0917-464-2462 

Smart: 0918-663-3248

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