Yes, you can choose an Interest Settlement option wherein the proceeds shall be left on deposit with the Company to accumulate interest at the rate declared by the Company for the year. Guaranteed interest is 3%. The guardian may withdraw the interest quarterly, semi-annual, or annually while the proceeds remain intact, or you may leave the interest earned together with the proceeds and may be withdrawn when the minor reaches the age of majority. Another option is to use the proceeds as single premium for pension or educational plan on the life of the minor beneficiary.

Find the COCOLIFE office nearest you or be referred to our intermediaries through our offices in key cities and areas nationwide that are staffed with courteous, responsive, and dependable professionals.

• Permanent Policy, Interim Certificate or Certificate Number of Insured
• Original Death Certificate or Certified True Copy signed by Local Civil Registrar or Asst.
• Photocopy of Marriage Contract, if spouse is still alive
• Original or Certified True Copy of Death Certificate signed by Local Civil Registrar or Asst.
• Photocopy  of Marriage Contract, if spouse is still alive
• Claimant Statement signed by spouse

• Permanent Policy, Interim Certificate or Certificate Number
• Original Death Certificate or Certified True Copy signed by Local Civil Registrar or Asst.
• Joint Affidavit of heirship from two (2) disinterested persons, notarized, stating all children of insured whether living or deceased. Indicate date of birth or date of death. Please include also name of spouse and date of death.
• Photocopy of Birth Certificate of all living children
• Claimant’s Statement signed by all living children

To process, we require the following documents to be submitted at any Cocolife branch or Head Office:

• Request letter where to get the check signed by the payor
• Photocopy of 2 valid IDs of payor
• Specimen Signature

Find the COCOLIFE office nearest you or be referred to our intermediaries through our offices in key cities and areas nationwide that are staffed with courteous, responsive and dependable professionals.

• Policy contract, or undertaking for lost policy
• Please indicate place and date signed. Signature of witness is necessary (not related to policyholder / insured)
• Certificate of release form, signed by Insured and Payor
• Please indicate place and date signed. Signature of witness is necessary (not related to policyholder / insured)
• Photocopy of 2 valid IDs of Payor and Insured
• Request letter how to receive proceeds: fund transfer to UCPB account, check to be mailed to address, or release to Head Office or Cocolife branch.
• Specimen signature of  Insured and  Payor

THROUGH MAIL
Send us your check or postal money order payable to COCOLIFE for the amount of your premiums along with the billing notice. You may also send us post-dated checks for premiums due for one whole policy year. These checks would be credited to your policy as soon as they are cleared. Please write the insured’s name and policy number at the back of the check. Official receipt will be available upon request.

THROUGH ANY COCOLIFE BRANCH
Present Billing Notice together with cash or check payment (payable to Cocolife) to the Branch Specialist who, in turn, will issue an Official Premium Receipt.
You can also use your VISA / MasterCard for your premium payment. Please present two (2) valid IDs.

THROUGH ANY UCPB BRANCH
If you don’t have a billing notice, fill out a PAYMENT SLIP at any UCPB branch.  The machine-validated billing notice / Payment Slip will serve as your official receipt. If you have a billing notice, present it to the teller together with your cash payment or check payable to Cocolife.

THROUGH UCPB’s AUTOMATIC DEBIT ARRANGEMENT (ADA)
Enroll for ADA at the UCPB Branch where you maintain your account. Your premium will automatically be deducted from your UCPB account each time your premium becomes due.

THROUGH OTHER PAYMENT FACILITIES  
Present Billing Notice together with your Cash Payment at any Cebuana and Bayad Center. Only current due dates are accepted. Check payments are not accepted.

THROUGH ONLINE PAYMENT
Visit www.cocolife.com, click the Other Links, My Policy to register. Once registered, click the “Pay Online” window.
You can pay your current premium through online banking  (with existing savings or current account  with BDO, BPI, Metrobank, Eastwest, Robinsons, Sterling, Chinabank, PNB, RCBC, Unionbank, Maybank, UCPB, PNB) or through Credit Card online payment (one-time charge). We accept Visa/MasterCard only.

Call our Call Center Specialist who will help expedite your claim processing or you can find the COCOLIFE office nearest you or be referred to our intermediaries through our offices in key cities and areas nationwide that are staffed with courteous, responsive and dependable professionals. To process a DEATH claim, we require the following documents:

Mandatory:

• Policy contract/s / certificate of insurance
• Death certificate – original or certified true copy
• Birth or baptismal certificate of insured
• Claimant statement to be accomplished and signed by every beneficiary or designated payee of legal age as indicated in the contract
• Specimen signatures / thumbprints of the insured

As required by circumstances:Marriage contract (if spouse is a beneficiary)

• Birth or baptismal certificate (if beneficiary is minor)
• Affidavit of guardianship (if minor`s share is Php50,000.00 or less and being represented other than a natural parent. If share of minor is more that Php50,000.00, guardianship is required
• Certificate of attending physician & complete medical records (if the insured died within contestable period)
• Certified true copy of investigation report and/or police report or if none, affidavit of a least 2 witnesses to the incident, or if there be no such witness, affidavit of at least 2 persons cognizant of the circumstance surrounding insured`s violent death (if death is due to accident or violence)
• Autopsy report if available (if due to accident or violence
• Death certificate of the beneficiary if she /he predeceased the insured
• Testamentary letters (if proceeds are payable to the estate of the insured and the insured executed a will)
• Letter of administration (if proceeds are payable to estate of the insured and the insured died intestate)
• Judicial declaration of death or news paper clippings and or other evidence (in case of missing person)
• Other documents as may be required

To process your LIVING BENEFITS, we require the following documents:

ACCIDENT BENEFIT CLAIM

• Claimant statement
• Attending physician`s statement / Medical questionnaire
• Police report regarding alleged accident or Insured`s own narration of the incident
• Complete medical records
• Photocopy of Insured`s driver`s license if insured is driving the vehicle at the time of the accident
• Other documents as may be required

HOSPITALIZATION BENEFIT CLAIM

• Proof of hospitalization
  • Original or certified photocopy of statement of account or original copy of the certification from the hospital showing inclusive of confinements dates
  • Original official receipts of expenses incurred during the confinement
  • Admission & discharge summary, laboratory test and etc.
• If due to accident refer to Accident Benefit Claim for additional requirements
• Claimant statement
• Other documents as may be required

TERMINAL ILLNESS OR DREAD DISEASE BENEFIT CLAIM

• Physician`s statement which certifies that the insured has terminal illness or dread disease / Medical questionnaire
• Complete medical records (Admission history, Discharge summary, laboratory tests etc)
• Claimant statement
• Other documents as may be required

DISABILITY BENEFIT CLAIM

• Attending Physician`s statement / Medical questionnaire
• Insured`s statement of disability
• Medical records (Admission history, Discharge summary, Laboratory tests,etc)
• Claimant statement
• Other documents as may be required

CONTINUANCE OF DISABILITY BENEFIT CLAIM

• Current medical records

Find the COCOLIFE office nearest you or be referred to our intermediaries through our offices in key cities and areas nationwide that are staffed with courteous, responsive and dependable professionals.

• Policy contract/s / certificate of insurance
• Death certificate – original or certified true copy
• Birth or baptismal certificate of insured
• Claimant statement to be accomplished and signed by every beneficiary or designated payee of legal age as indicated in the contract
• Specimen signatures / thumbprints of the insured

• Marriage contract (if spouse is a beneficiary)
• Birth or baptismal certificate (if beneficiary is minor)
• Affidavit of guardianship (if minor`s share is Php50,000.00 or less and being represented other than a natural parent. If share of minor is more that Php50,000.00, guardianship is required
• Certificate of attending physician & complete medical records (if the insured died within contestable period)
• Certified true copy of investigation report and/or police report or if none, affidavit of a least 2 witnesses to the incident, or if there be no such witness, affidavit of at least 2 persons cognizant of the circumstance surrounding insured`s violent death (if death is due to accident or violence)
• Autopsy report if available (if due to accident or violence
• Death certificate of the beneficiary if she /he predeceased the insured
• Testamentary letters (if proceeds are payable to the estate of the insured and the insured executed a will)
• Letter of administration (if proceeds are payable to estate of the insured and the insured died intestate)
• Judicial declaration of death or news paper clippings and or other evidence (in case of missing person)
• Other documents as may be required

The member may choose to downgrade (or occupy a lower room plan) and request for transfer to his room entitlement upon availability.


The member may also get a higher room category; however, since socialized pricing is being practiced in some hospitals, all services (including room, diagnostic tests and procedures, medicines, doctor’s fees, etc.) may be charged at higher costs. These increments and excesses will be charged to the patient following the percentage indicated in the Schedule of Benefits. (Please refer to the Cocolife Healthcare Guidebook for details and computation).

Cocolife coverage is incorporated with PhilHealth. It applies after PhilHealth Coverage has been exhausted.

Secure a signed PhilHealth Claim Form 1 (CF1) and Member Data Record from the company HR.

• PhilHealth Claim Form 2 (CF2) will be filled up by your doctor once you have been cleared for discharge.
• In certain cases, PhilHealth Claim Form 3 (CF3) will be required to be filled up by your doctor.
• Scheduled OPD-OR procedures like chemotherapy, cataract extraction, and outpatient dilatation and curettage (D&C) also require PhilHealth to be filed.

Since PhilHealth is incorporated with your Cocolife coverage, it should be filed before you are discharged. Otherwise, you will have to pay for it directly to the billing section of the hospital.

Reimbursement of paid PhilHealth expenses maybe filed directly to the PhilHealth office.

Yes, provided that the cause of confinement is covered, the availment is within the remaining benefit limit and it is not a part of general exclusion/limitation of the program.

No. Coverage is co-terminus with member’s employment. Upon resignation, coverage shall be terminated and Cocolife card should be returned to the company as part of his clearance.

Yes, provided that the cause of confinement is covered, the availment is still within the remaining benefit limit and it is not a part of general exclusion/limitation of the program.

No. Cocolife coverage is non-transferrable.

•  Claimant statement
•  Attending physician’s statement / Medical Questionnaire
• Police report regarding alleged accident or Insured’s own narration of the incident
• Complete medical records
• Photocopy of Insured’s driver’s license if insured is driving the vehicle at the time of the accident
•  Other documents as may be required

• Proof of hospitalization
• Original or certified photocopy of statement of account or original copy of the certification from the hospital showing inclusive of confinements dates
• Original official receipts of expenses incurred during the confinement
•  Admission & discharge summary, laboratory test, etc.
• If due to accident refer to Accident Benefit Claim for additional requirements
• Claimant statement
• Other documents as may be required

• Physician’s statement which certifies that the insured has terminal illness or dread disease/Medical questionnaire
• Complete medical records (Admission history, Discharge summary, laboratory tests etc)
•  Claimant statement
•  Other documents as may be required

• Attending Physician’s statement / Medical questionnaire
•  Insured’s statement of disability
• Medical records (Admission history, Discharge summary, Laboratory tests, etc)
• Claimant statement
• Other documents as may be required

• Current medical record
• Medical questionnaire form downloadable in the website

You have to submit the police report and other pertinent documents for accident cases such as, but not limited to vehicular accidents, mauling, gunshot, stabbing, etc.

Your case shall be evaluated and if it falls to any of the general exclusions and limitations of the program, it will not be covered.

The member shall have to pay for the consultation, and this cannot be reimbursed. Also, requests for any diagnostic and/or therapeutic procedures from non-accredited doctors will not be covered.

To avail of Cocolife benefits, the member should consult and seek treatment from Cocolife-accredited doctors and facilities only.

• A policy loan will be taken from your cash value to pay for the premium due in order to keep the coverage in-force.
• The available cash value will be used to buy a term coverage for a certain number of years and days. The amount of coverage remains the same until the term expires.
• The available cash value will be used to buy a fully paid insurance for the same duration. The face amount of the coverage will depend on the available cash value of the policy.

There are two to four Cocolife plan coordinators per hospital. Schedules of plan coordinators are available through our website.

In some facilities with no plan coordinators, members are assisted by the hospital’s HMO or Industrial Units. For medical emergencies, members can proceed to the emergency room for consultation and/or treatment but cases shall be assessed first by the ER physician.

Do not pay. Call Cocolife for assistance.