Insurance Benefits

Life Insurance

Accidental Death Benefit

Killed-in-Action Benefit

Free Insurance for Dependent

Living Benefits

Accidental Disablement Benefit

Accident Hospitalization Benefit

Wounded-in-Action Benefit

Terminal Illness Benefit

Illness Hospitalization Benefit

Equity Value

Members' Benefit from interest of equity value (MBIEV)

Member's Privileges

Members' Experience Refund (MER)

Financial Assistance

Legal And Travel Assistance Program (LTAP)

Health Maintenance Organization (HMO)*

Loyalty Privilege*

*Valid for CY 2025

Select your Agency

EQUITY PLAN

This plan provides life insurance benefits with double indemnity in case of death or killed in action. It also gives living benefits which includes the Equity Value (savings) to its members. This can be claimed upon surrender or retirement from the service.

PNP Schedule of Benefits

Rank	Death Benefit		MEP Contribution
Rank	Insurance Coverage	Accidental Death/ KIA Coverage	MEP Contribution
PGEN	2,215,130.28	4,430,260.56	4,493.55
PLTGEN	1,857,080.28	3,714,160.56	3,767.22
PMGEN	1,521,701.40	3,043,402.80	3,086.88
PBGEN	1,346,632.39	2,693,264.78	2,731.74
PCOL	1,191,720.42	2,383,440.84	2,417.49
PLTCOL	1,054,628.87	2,109,257.74	2,139.39
PMAJ	925,109.15	1,850,218.30	1,876.65
PCPT	836,776.05	1,673,552.10	1,697.46
PLT	732,456.33	1,464,912.66	1,485.84
PEMS/CDT	567,384.50	1,134,769.00	1,150.98
PCMS	514,071.12	1,028,142.24	1,042.83
PSMS	503,985.21	1,007,970.42	1,022.37
PMSG	494,106.33	988,212.66	1,002.33
PSSG	474,925.35	949,850.70	963.42
PCPL	456,483.80	912,967.60	926.01
PAT	438,752.11	877,504.22	890.04

BFP Schedule of Benefits

Rank	Death Benefit		MEP Contribution
Rank	Insurance Coverage	Accidental Death Coverage	MEP Contribution
DIRECTOR	1,521,701.40	3,043,402.80	3,086.88
CHIEF SUPERINTENDENT	1,346,632.39	2,693,264.78	2,731.74
SENIOR SUPERINTENDENT	1,191,720.42	2,383,440.84	2,417.49
SUPERINTENDENT	1,054,628.87	2,109,257.74	2,139.39
CHIEF INSPECTOR	925,109.15	1,850,218.30	1,876.65
SENIOR INSPECTOR	836,776.05	1,673,552.10	1,697.46
INSPECTOR	732,456.33	1,464,912.66	1,485.84
SFO4	567,384.50	1,134,769.00	1,150.98
SFO3	514,071.12	1,028,142.24	1,042.83
SFO2	503,985.21	1,007,970.42	1,022.37
SFO1	494,106.33	988,212.66	1,002.33
FO3	474,925.35	949,850.70	963.42
FO2	456,483.80	912,967.60	926.01
FO1	438,752.11	877,504.22	890.04

PCG Schedule of Benefits

Rank	Death Benefit		MEP Contribution
Rank	Insurance Coverage	Accidental Death / KIA Coverage	MEP Contribution
ADMIRAL	1,857,080.28	3,714,160.56	3,767.22
VICE ADMIRAL	1,689,390.84	3,378,781.68	3,427.05
REAR ADMIRAL	1,521,701.40	3,043,402.80	3,086.88
COMMODORE	1,346,632.39	2,693,264.78	2,731.74
CAPTAIN	1,191,720.42	2,383,440.84	2,417.49
COMMANDER	1,054,702.81	2,109,405.62	2,139.54
LIEUTENANT COMMANDER	925,109.15	1,850,218.30	1,876.65
LIEUTENANT SR GRADE	836,776.05	1,673,552.10	1,697.46
LIEUTENANT JR GRADE	732,456.33	1,464,912.66	1,485.84
ENSIGN	648,175.35	1,296,350.70	1,314.87
PROBATIONARY ENSIGN	567,384.50	1,134,769.00	1,150.98
CADET	567,384.50	1,134,769.00	1,150.98
FIRST MASTER CHIEF PETTY OFFICER	567,384.50	1,134,769.00	1,150.98
MASTER CHIEF PETTY OFFICER	514,071.12	1,028,142.24	1,042.83
SENIOR CHIEF PETTY OFFICER	503.985.21	1,007,970.42	1,022.37
CHIEF PETTY OFFICER	494,106.33	988,212.66	1,002.33
PETTY OFFICER I	484,419.71	968,839.42	982.68
PETTY OFFICER II	474,925.35	949,850.70	963.42
PETTY OFFICER III	465,608.45	931,216.90	944.52
SEAMAN 1ST CLASS	456,483.80	912,967.60	926.01
SEAMAN 2ND CLASS	447,521.83	895,043.66	907.83
APPRENTICE SEAMAN	438,752.11	877,504.22	890.04
CANDIDATE COASTGUARDSMAN	274,878.16	549,756.32	557.61

BUCOR Schedule of Benefits

Rank	Death Benefit		MEP Contribution
Rank	Insurance Coverage	Accidental Death Coverage	MEP Contribution
CCSUPT	1,346,632.39	2,693,264.789	2,731.74
CCSUPT / CTSSUPT	1,191,720.42	2,383,440.845	2,417.49
CSUPT / CTSUPT	1,054,628.87	2,109,257.746	2,139.39
CCINSP / CTCINSP	925,109.15	1,850,218.310	1,876.65
CSINSP / CTSINSP	836,776.05	1,673,552.100	1,697.46
CINSP / CTINSP	732,456.33	1,464,912.660	1,485.84
CS04 / CTS04	567,384.50	1,134,769.000	1,150.98
CS03 / CTS03	514,071.12	1,028,142.24	1,042.83
CS02 / CTS02	503,985.21	1,007,970.42	1,022.37
CS01 / CTS01	494,106.33	988,212.66	1,002.33
C03 / CT03	474,925.35	949,850.70	963.42
C02 / CT02	456,483.80	912,967.60	926.01
C01 / CT01	438,752.11	877,504.22	890.04

Civilian / NUP Schedule of Benefits

Option	Death Benefit	Accidental Death Benefit
100	53,846.15	107,692.30
200	107,692.31	215,384.62
300	161,538.46	323,076.92
400	215,384.62	430,769.24
500	269,230.77	538,461.54
600	323,076.92	646,153.84
700	376,923.08	753.846.16
800	430,769.23	861,538.46
900	484,651.38	969,230.76
1000	538,461.54	1,076,923.08

Other Insurance Plan

Basic Group Term Plan (BGTP) allows a member to boost his/her insurance coverage at a minimal cost. In case of accidental death, the beneficiaries receive an amount equivalent to 100% of the member's BGTP coverage.

Monthly Premium	Insurance Coverage	Accidental Death Coverage
₱60.00	₱108,000.00	₱216,000.00
₱50.00	₱94,500.00	₱189,000.00
₱30.00	₱54,000.00	₱108,000.00
₱25.00	₱47,250.00	₱94,500.00

Other Insurance Plan

Burial Assistance Benefit (BAB or PSMBFI MEM) forms part of the Cash Advance which is given to the beneficiaries upon the member's death.

Monthly Premium	Insurance Coverage
₱32.00	₱56,700.00
₱16.00	₱28,350.00

Other Insurance Plan

Special Group Term Insurance (SGTI), This is the mandatory insurance plan for active uniformed PNP personnel as mandated by Presidential Decree No. 1965. The PNP personnel pay P6.00, while the PNP gives a counterpart of another P6.00. For a total of P12.00 monthly premium, he is covered for P17,000.00. In case of accidental death or Killed-in-Action, an additional P25,000.00 is added, for a total of P42,000.00 insurance benefit.

Monthly Premium	Insurance Coverage	Insurance Benefits in case of accidental death or killed-in-action
₱6.00	₱17,000.00	₱42,000.00

Other Insurance Plan

The Endowment at 56 (E-56)

Life Insurance + Investment

Sum Assured could go as high as P3 Million (maximum)
- Premium - 350 (minimum)
  maximum depends on the amount that can buy P3M sum assured.
- Sum Assured is paid on the 56th birthday of the policyholder in LUMP SUM or 36 MONTHLY INSTALLMENT.

MEMBERSHIP REQUIREMENTS:

Uploaded documents should have/be:

BFP
- BFP account number with attachment of 1 government issued ID and 1 BFP issued ID
- Signed authority to deduct
NAPOLCOM - ATD must have the signature of agency’s disbursing officer
DOTC - ATD must have the signature of agency’s disbursing officer
NAMRIA - ATD must have the signature of agency’s disbursing officer
BID - ATD must have the signature of agency’s disbursing officer
BUCOR - ATD must have the signature of agency’s disbursing officer
PPSC - ATD must have the signature of agency’s disbursing officer
MMDA
- Must provide 1 valid government issued ID
- PS Code, MMDA processor and employment status must be indicated in the upper right portion of the Application Form
- ATD must have the signature of agency’s disbursing officer
LTO
- Must provide the LTO ID number
- ATD must have the signature of agency’s disbursing officer
LTFRB - ATD must have the signature of agency’s disbursing officer
PDEA - Must provide the BP/GSIS number

NO REQUIREMENTS NEEDED

PNP Uniformed Personnel & PNP NUP

PNPA Cadets

PCG

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