For the Spouse coverage under PA99, what is the Accidental Death & Permanent Disablement amount?

For the Spouse coverage under PA99, what is the Accidental Death & Permanent Disablement amount?

• A. Php 500K
• B. Php 250K
• C. Php 100K
• D. Php 150K

Answer: (B)

In Personal Accident coverage, the benefit for accidental death and permanent disability is a fixed amount defined for each rider. For the PA99 plan, the spouse coverage is set with an Accidental Death & Permanent Disablement amount of Php 250,000. This level is chosen to provide a meaningful payout for a spouse while keeping premiums reasonable, reflecting how this rider is typically scoped relative to the main insured’s benefit. The other options don’t align with the plan’s defined schedule for spouse AD&D/PD, which is why Php 250,000 is the correct figure.

In Personal Accident coverage, the benefit for accidental death and permanent disability is a fixed amount defined for each rider. For the PA99 plan, the spouse coverage is set with an Accidental Death & Permanent Disablement amount of Php 250,000. This level is chosen to provide a meaningful payout for a spouse while keeping premiums reasonable, reflecting how this rider is typically scoped relative to the main insured’s benefit. The other options don’t align with the plan’s defined schedule for spouse AD&D/PD, which is why Php 250,000 is the correct figure.