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In order to improve the implementation of the Insurance Coverage Program for OFWs and their Dependents, the following amendment/s and additional guidelines and procedures are hereby prescribed for the guidance of all concerned:


Disability or dismemberment caused by accident, as well as those supervening but not immediately apparent at the time of the accident, if discovered within 90 days from the date of accident, shall be compensable based on the following revised schedule:

C O V E R A G E

Extent of Disability/Dismemberment	Landbased	Seabased
1. Total and Permanent Disability from Engaging in or Attending to Employment or Occupation of Any Kind and Every Kind	50,000.00	25,000.00
Total and Permanent Loss of Sight in Both Eyes	50,000.00	25,000.00
Brain Injury Causing Coma or Insanity	50,000.00	25,000.00
Total and Permanent Loss of Sight of One Eye(except perception of light) or Lens of One Eye	25,000.00	12,500.00
Permanent/Temporary, Partial Disability(including cases due to insanity)	25,000.00	12,500.00
2. Total Loss by physical severance or total and permanent loss or use of:
Two Limbs	50,000.00	25,000.00
Both Feet	50,000.00	25,000.00
Both Hands	50,000.00	25,000.00
One Hand and One Foot	50,000.00	25,000.00
Either Hand or Foot and the Sight of One Eye	50,000.00	25,000.00
Arm Above the Elbow	50,000.00	25,000.00
Arm Below the Elbow	25,000.00	12,500.00
One Hand at Wrist	25,000.00	12,500.00
Leg Above the Knee	25,000.00	12,500.00
Leg at or Below the Knee but Above the Ankle	25,000.00	12,500.00
One Foot	25,000.00	12,500.00
Thumb and Four Fingers of One Hand	25,000.00	12,500.00
Thumb	12,500.00	6,250.00
Index Finger	7,500.00	3,750.00
Middle Finger	7,500.00	3,750.00
Ring Finger	7,500.00	3,750.00
Little Finger	5,000.00	2,500.00
All Toes of One Foot	12,500.00	6,250.00
Great Toe	5,000.00	2,500.00
Any other Toe	2,500.00	1,250.00
3. Total and Permanent Loss of:
Speech	50,000.00	25,000.00
Hearing in Both Ears/Two External Ears	50,000.00	25,000.00
Hearing in One Ear/One external Ear	25,000.00	12,500.00
4. Loss of Nose, Penis or Testicles	25,000.00	12,500.00

In no case shall the liability under this section exceeds Pesos Fifty Thousand (P50,000.00) for Landbased workers and Pesos Twenty Five Thousand (P25,000.00) for Seabased workers.


Recruitment Agencies including Manning/Shipping Agencies could only be issued Credit Memo for replacement of non-deployed worker provided they request for such on the following schedules:

1.         On or before the End of the Month for those payments made from 1-15 of the same month; and

2.         On or before the 15th of the succeeding month for payments made from 16-31 of the previous month;

Failure to pay on the prescribed schedule would render payments made as non-refundable.


OFWs whose contracts were processed by the recipient agencies of POEA Awards of Distinction shall be entitled to the same coverage under the program provided they paid their OWWA contribution within thirty (30) working days after processing based on the Deployment List/s of the Labor Assistance Center (LAC) of POEA.

If the Agency fails to pay the necessary OWWA Contribution within the prescribed period, said agency shall assume the responsibility of providing benefits to the OFW corresponding to the program. Any Agency found intentionally not paying OWWA contributions relative to their deployment of OFWs shall be held liable for damages by OWWA aside from the assumption of said benefits.


Except Articles II and III which shall take effect 2 months after September 1, 1997, other provisions of this MOI shall take effect retroactive August 1, 1995.

Adopted: 28 Aug 1997