BPI Freelancer is a personal accident insurance plan by BPI MS Insurance specially designed for freelancers, self-employed individuals, and gig workers who don’t have access to company-provided benefits like HMOs or group insurance. It’s an affordable and flexible way to get financial protection in case of accidents, disability, or hospitalization, so you don’t have to dip into your savings during emergencies.
Whether you’re a designer, virtual assistant, consultant, or an online seller, BPI Freelancer helps protect your income and peace of mind by acting as your safety net while you hustle independently.
Program Overview
BPI Freelancer is a personal accident insurance plan designed for freelancers or people who don’t have the usual company benefits like HMOs or group insurance but still want affordable protection in case of accidents, disability, or hospital confinement.
Offered by BPI MS Insurance Corporation, it provides coverage for accidental death, permanent disablement, and hospital confinement due to accident or illness. This helps freelancers stay financially protected even when they cannot work temporarily because of unforeseen events or emergencies.
Types Offered
The BPI Freelancer Insurance has three types of plans — Basic, Prime, and Elite. These plans differ mainly in the amount of coverage and the premium cost, allowing freelancers to choose a plan that fits their budget and protection needs.
1. BPI Freelancer Basic
Premium: ₱499 per year
Best for: Freelancers looking for basic accident coverage at an affordable price, especially those who use motorcycles or have moderate risk exposure.
Coverage and Benefits:
- Accidental Death & Permanent Disablement (including motorcycle accidents): ₱250,000
- Provides a lump sum payment if the insured dies or becomes permanently disabled due to an accident.
- Motorcycle accidents are included, making it ideal for delivery riders or freelancers who use motorcycles for work.
- Utility Bills Payment Assistance: ₱20,000
- Helps cover unpaid utility bills (like electricity, water, or internet) if the insured dies or becomes permanently disabled because of a covered accident.
- Daily Cash Assistance for Hospitalization: ₱1,000 per day (maximum of 10 days, up to ₱10,000)
- Provides daily financial assistance if confined in a hospital due to accident or sickness.
2. BPI Freelancer Prime
Premium: ₱699 per year
Best for: Freelancers who want higher coverage for accidents while still keeping premiums affordable. It doubles the coverage for death or disablement compared to the Basic plan.
Coverage and Benefits:
- Accidental Death & Permanent Disablement: ₱500,000
- Utility Bills Payment Assistance: ₱20,000
- Daily Cash Assistance for Hospitalization: ₱1,000 per day (max of 10 days, ₱10,000 total)
3. BPI Freelancer Elite
Premium: ₱1,099 per year
Best For: Freelancers with higher income or dependents who need maximum protection and peace of mind against major accidents or disabilities.
Coverage and Benefits:
- Accidental Death & Permanent Disablement: ₱1,000,000
- Utility Bills Payment Assistance: ₱20,000
- Daily Cash Assistance for Hospitalization: ₱1,000 per day (max of 10 days, ₱10,000 total)
Key Fea s accidents from motorcycle racing or extreme sports.
- Utility Bills Assistance: In the event of accidental death or permanent disablement, the insured’s family can claim a lump sum of ₱20,000 to help pay essential utility bills — a helpful benefit for families of freelancers.
- Daily Cash Assistance for Hospitalization
- ₱1,000 per day (up to 10 days) for confinement due to accident or illness.
- There is a 7-day waiting period before illness-related hospitalization benefits can be claimed.
- 2-day deductible for sickness-related confinement (no deductible for accidents).
- Confinement must last at least 18 hours in a licensed hospital with full facilities and registered medical staff.
Coverage Limitations
The policy covers accidental death, permanent disablement, and hospital confinement, but excludes:
- Pre-existing conditions or illnesses diagnosed within 24 months prior to coverage.
- Kidnapping, food poisoning, mosquito-borne diseases.
- Overseas Filipino Workers (OFWs)
- Dangerous jobs (e.g., military, police, construction of high-rise buildings, logging, or explosives work).
- High-risk sports (e.g., scuba diving, rock climbing, jet skiing, bungee jumping).
- Suicide, drug abuse, mental disorders, and illnesses like AIDS or STDs.
- War, terrorism, radiation, natural disasters (earthquake, volcanic eruption, tidal wave).
- Pregnancy, miscarriage, or childbirth-related conditions.
- Illness benefits are only payable if hospitalization occurs 7 days after the policy’s start date.
- The hospital must be a legally recognized medical institution with at least six beds and 24-hour nursing service with licensed doctors.
- Even if a person holds more than one BPI Freelancer policy, only one policy will respond to a valid claim.
- Beneficiaries follow Philippine Civil Law on succession unless the insured personally requests to assign a specific beneficiary at BPI MS Head Office.
Policy Duration
- Your insurance starts at 12:00 AM the day after purchase.
- Valid for 1 year.
- You can activate auto-renewal so your protection continues every year without reapplying.
Who Can Apply?
You are eligible if you are:
- Between 18 and 65 years old
- A freelancer, self-employed worker, or professional (e.g., architect, lawyer, content creator, developer, etc.)
- A digital nomad or independent contractor
- Must declare name, occupation, and date of birth.
- One policy per insured person only (multiple policies will not double benefits).
You can buy:
- For yourself only
- For yourself and up to 4 other people
- Or for others only (up to 5 total)
Not covered: OFWs and high-risk jobs (like soldiers, stuntmen, etc.)
How to Enroll in BPI Freelancer (Step-by-Step)
To get insured or to enroll, simply follow these steps:
For Individual Applications
Step 1. Go to https://freelancer.bpims.com
Step 2. Choose your preferred plan (Basic, Prime, or Elite)
Step 3. Indicate who the insurance is for (yourself or others)
Step 4. Fill out the application form
Step 5. Choose your payment schedule: one-time or auto-renewal
Step 6. Pay using your preferred payment method
Step 7. Receive two confirmation emails:
- Payment confirmation (from Paynamics)
- Confirmation of Insurance Coverage (COIC) — password-protected
For Group Applications (up to 5 people)
Step 1. Visit https://freelancer.bpims.com
Step 2. Choose your plan and list all insured individuals
Step 3. Fill out one form per person (with correct contact info)
Step 4. Fill out the payor’s details
Step 5. Choose one-time payment or auto-renewal
Step 6. Pay through the available online options
Step 7. Check your email and COIC
Tip: Make sure to inform anyone you’re enrolling so they can check their email (including spam/junk folders) for their COIC.
Auto-Renewal Option
Want hassle-free yearly coverage? Choose auto-renewal for the following reasons:
- No reapplication needed
- Continuous protection year after year
- Automatic renewal reminders via email
You can cancel anytime by calling (+632) 8840-9999 or emailing helpline@bpims.com.
How to Pay
You can pay securely using:
- BPI Debit Mastercard® (enable E-Commerce via BPI app)
- BPI Credit Card
- GCash or Maya
- Other major debit/credit cards
Once paid, you’ll receive:
- A payment confirmation from Paynamics
- A COIC sent to your registered email
Note: Coverage starts at 12:00 AM the day after your payment and lasts for one year.
How to File a Claim
If an accident happens, here’s how to file your claim quickly:
Step 1. Contact the BPI MS Claims Department:
- Tel. No.: (+632) 8840-9999 / (+632) 8840-9966
- Email address: BPIMS_Non-Motor_Claims@bpi.com.ph
Step 2. Prepare the following details:
- Date and time of the incident
- Policy or COIC Number
- Insured person’s name
- Nature of claim
- Your contact information
- Accomplished Claims Notification Form
Step 3. Submit supporting documents:
- Police report (if applicable)
- Valid government ID of insured
- Utility bill under the insured’s name
- Medical records, hospital documents
- Death certificate (if applicable)
Note: You may also visit the nearest BPI or BPI MS branch to submit your claim.
When a Claim Might Be Denied
Your claim may not be processed if:
- The incident is excluded under your policy (e.g., illegal activities)
- Documents are incomplete or falsified
- The claim is for a non-covered event (like a pre-existing illness)
- You’re requesting medical reimbursement, which isn’t covered
- The Utility Bills Benefit is claimed for minor injuries or illness
Who Can Be Your Beneficiaries?
The rules on beneficiary awarding is as follows:
- Beneficiaries follow Philippine Civil Law on Succession by default.
- If you’re buying for someone else, only the insured person can assign their own beneficiaries.
To assign or update beneficiaries, contact: BPI MS Head Office or (+632) 8840-9000.