San Juan to Makati

M. Paterno Motorcycle Accident

From the time that our maid Kim heard a boom, the police were on the scene in about four minutes, she said.

About four months since an M. Paterno car accident, another accident happened around the same part of M. Paterno.

After the police arrived, Kim estimated that Rescue arrived about five to six minutes later.--8:30:40 pm.

Kim said that she heard that the motorcycles tried to avoid a jeep.

Rescue came from the N. Domingo direction.--8:33:10 pm.

I had heard sort of a bang.  I thought that a rickety truck had hit a pothole.

Kim said that the guy in fatigue shorts lifted the motorcycle off the rider.--8:33 pm.

Then our maid Caymen told my dad that there was an accident.

Kim said that Rescue slashed the semi-conscious man's pants, maybe to check for injuries.--8:35:06 pm.

Kim said that she did not see our neighbors call anyone.  She thinks that the passing motorcycles had gone to the police station at the corner of M. Paterno and Alfonso XIII.

The injured man moved a bit but did not seem conscious.--8:37 :46 pm

Like what our neighbor Boopsie Erana said after the last accident, there should be humps on M. Paterno.  Or those lines that slow down vehicles.  What do you call them?  Speed cushions?

As the area around the injured man was dark, I was afraid that he would get run over.--8:38:08 pm.

What about a speed limit?

Someone tried to stop Mr. Fatigue Shorts from pulling the motorcycle off the rider.--8:38:54 pm.

It doesn’t help that the street light that we lost from the last car accident has not been restored and the next street light was on and off, said our maid Meya.

Why are there so many accidents this year on M. Paterno?--8:39:10 pm.

ASUY said that the reason why there are so many accidents is that the road is now smooth asphalt unlike before, when it was dirt and pebbles.

This is the street light nearest the accident.--8:47:26 pm.

M. Paterno is the Commonwealth of San Juan.

Chips, what happened to the claim?--8:47:45 pm.

Is the Thai airport blockade covered by travel insurance?

The week-long siege lasted from November to December 2007.


Yes, according to MTB of the Blue Cross Insurance, Inc. travel claims deparment, civil commotion is covered.

The Thai blockade is considered a civil commotion.

Insurance News from Ritchie Baird

Client needs to produce airline certification on the number of days that flight was delayed, plus a newspaper article, hard copy or from the internet.  Blue Cross pays $ 100 per day, upto 10 days, under their Executive De Luxe Plan.  Client can also claim from the trip cancellation, trip termination and baggage delay clauses.

Blue Cross has more extensive civil commotion cover than Chartis.

ABC News

In case of the Icelandic volcano, Blue Cross policies do not indicate coverage for natural disasters, but for humanitarian and goodwill reasons, Blue Cross paid for flight and baggage delays, trip cancellation and trip termination.  In the future, Blue Cross cannot say whether it will pay for similar situations.

Chartis only covers flight delay in case of civil commotion.

Travel Insurance Review

Blue Cross covers baggage delay, trip termination and cancellation due to civil commotion: Chartis doesn't.

An Irishman in Ghana

Chartis considers the Icelandic volcano case a precedent; Blue Cross does not.


Travel Insurance and the Icelandic volcano

Travel Insurance and the Icelandic Volcano

Posted in finance,insurance,travel insurance by yangiwei on August 8, 2010

I don't even know how to pronounce the name of this volcano.

BBC News

My friend said that, with events like the Thai airport blockade and the eruption of the unpronounceable Icelandic volcanoEyjafjallajokull, that people are now more aware of travel insurance.

Blue Cross covers strikes and hijacks.

I asked GA of Chartis Philippines Insurance, Inc. how clients can claim from these two events.  She said that the client can claim only trip cancellation coverage from the blockade.  The Chartis Travel Guard brochure says that trip cancellation pays for the ‘loss of travel fare and/or accommodation expenses paid in advance and not refundable in case trip had to be cancelled due to the following events occurring within 30 days before the departure date:

  • Death, serious injury or sickness of the Insured Person, spouse, parent, parent-in-law, child, grandparent, brother, sister, business partner or co-director.
  • Unexpected outbreak of strike, riot or civil commotion at the planned destination.’

Chartis used to be AIU, which used to be Philam Insurance.

Blue Cross Insurance, Inc. has a similar provision.  The Travel Insurance Plans brochure says that the Trip Cancellation provision ‘provides reimbursement for the unused and non-refundable portion of your travel and accommodation expenses which have been paid in advance, if your trip is cancelled within 30 days prior to the scheduled departure date.  The cancellation must be due to death, life threatening condition or sickness of the Insured, or his immediate family member which require emergency medical attention, or due to unexpected outbreak of strike, riot or civil commotion at the planned destination.’

Chartis Insurance

Note that Blue Cross coverage does not include co-director and parent-in-law.

GA responds to email within the day. I need to call or text Blue Cross to get a response.

Blue Cross

As for the volcano, GA sent me this email:

‘Per advice of Regional travel, the Iceland volcanic eruption, a natural disaster, may be considered as “severe weather condition” which is a covered reason under our flight delay benefit.’

"Could another volcano erupt soon?"

BBC News

The Travel Guard brochure says this about flight delay:

‘Reimburses expenses if flight is delayed for more than 12 hours due to severe weather conditions, stirke of airline personnel or equipment failure of aircraft.”

My friend says that P 2,000 is not enough to pay for hotel accommodations.

CrossFit Saskatoon

The policy says, ‘This insurance will allow for a maximum of eight (8) payments for every twelve (12)-hour delay.’

GA says that the flight delay provision covers meals, transportation to and from the airport and accommodations.


As per Chartis Travel Guard Global brochure, the amount of coverage  is “Up to P 2,000 per 12 hours.”

Blue Cross premium is about 53% higher than Chartis'.


Although Blue Cross’ brochure says that the flight delay coverage is on reimbursement basis, their Claims Department and JC of the Travel Sales Department told me that the coverage is a flat amount, for example, $ 100 under their Executive De Luxe Plan.

For 19-day travel, Chartis premium is P 2,161; Blue Cross, $ 73.


Dollar Claim Cheque

Posted in finance,insurance by yangiwei on May 26, 2010
Tags: , ,

Paseo de Roxas Avenue approaching Ayala Avenue

My client wants to know why the Blue Cross Insurance claim cheque is in dollars, not pesos, when the premium was paid in pesos.

The claim cheque was issued from an overseas bank, which means that
the cheque needs to travel all over to be cleared daw?

Plus BPI will convert the dollar at the buying, not selling rate?  The buying rate is P 46.35 while the selling rate is P 46.95:

Buying: P 4,403.25

Selling: P 4,460.25

Difference: p 57

I emailed Michael Diego of Blue Cross Insurance to clarify the matter.

March 29, 2010 45.524 = P 4,324.78

May 27, 2010  46.983 = P 4,463.39

$ 95

Difference between March 29 and May 27: P 1,38.61

Based on the difference between the buying and selling rate, client is ahead with the appreciation of the dollar.

Banco de Oro will not charge my client, but my client does not have a dollar account at BDO.

Michael Diego told me that their cheque is local.  I  laughed, you mean like UCPB J. P. Rizal?

Yes, he said.

He also said that since the policy is dollar, that the default option is dollar, but that the claim cheque can be peso upon client’s request.