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Adopted: 23 January 2014
Date Filed: 27 January 2014

WHEREAS, on February 28, 2001, the Board issued Memorandum Circular No. 2001-010 prescribing and requiring the “Passenger Personal Accident Insurance Program” (PPAIP) for Public Utility Vehicles (PUVs) nationwide. The said MC was issued by the Board pursuant to Section 5(K) of Commonwealth Act No. 146, as amended by Executive Order No. 202, which grants the LTFRB the power “To formulate, promulgate, administer, implement and enforce rules and regulations on land transportation public utilities, standards of measurements and/or design, and rules and regulations requiring operators of any public land transportation service to equip, install and provide in their utilities and in their stations such devices, equipment facilities and operating procedures and techniques as may promote safety, protection, comfort and convenience to persons and property in their charges as well as the safety of persons and property within their areas of operations”.

WHEREAS, the Supreme Court upheld the validity, legality and propriety of the said LTFRB MC No. 2001-010 in the case of “Eastern Assurance and Surety Corp. (EASCO) vs. LTFRB, et al” (G.R. No. 149717, October 7, 2003).

WHEREAS, the Board adopted an enhanced and detailed benefits for the 2013-2015 Passenger Personal Accident Insurance Program (PPAIP) as enunciated in the October 2013 Instruction to Participants, to wit:

BENEFITS	AMOUNT PER PASSENGER
A. ACCIDENTAL DEATH	PHP150,000.00
B. LOSS OF TWO OR MORE LIMBS	PHP75,000.00
C. TOTAL AND IRREVOCABLE LOSS OF SIGHT IN BOTH EYES	PHP75,000.00
D. DISMEMBERMENT IN ONE LIMB	PHP30,000.00
E. TOTAL AND IRREVOCABLE LOSS OF SIGHT IN ONE EYE	PHP30,000.00
F. MEDICAL TREATMENT (WITHOUT NEED OF RECEIPTS)	PHP5,000.00
G. MAXIMUM MEDICAL TREATMENT (RECEIPTS NEEDED, EXCEPT ITEMS A-E)	PHP15,000.00
H. LOSS OF ARM, AT OR ABOVE ELBOW	PHP42,000.00
I. LOSS OF BOTH HANDS OR ALL FINGERS AND BOTH THUMBS	PHP60,000.00
J. LOSS OF ARM BETWEEN ELBOW AND WRIST	PHP30,000.00
K. LOSS OF HAND	PHP25,500.00
L. LOSS OF FOUR FINGERS	PHP25,500.00
M. LOSS OF ONE THUMB	PHP18,000.00
N. LOSS OF INDEX FINGER	PHP9,000.00
O. LOSS OF MIDDLE FINGER	PHP6,000.00
P. LOSS OF RING FINGER	PHP3,000.00
Q. LOSS OF LITTLE FINGER	PHP3,000.00
R. LOSS OF METACARPALS 1ST OR 2ND ADDITIONAL 3RD, 4TH AND 5TH	PHP2,400.00 PHP1,800.00 PHP1,200.00
S. LOSS OF LEG ABOVE THE KNEE	PHP36,000.00
T. LOSS OF LEG BELOW THE KNEE	PHP30,000.00
U. LOSS OF ONE FOOT	PHP30,000.00
V. LOSS OF BIG TOE	PHP3,000.00
W. LOSS OF ALL TOES IN ONE FOOT	PHP9,000.00
X. LOSS OF ANY TOE OTHER THAN THE BIG TOE	PHP600.00
Y. LOSS OF HEARING FOR BOTH EARS	PHP30,000.00
Z. LOSS OF HEARING FOR ONE EAR	PHP4,200.00
AB. BURIAL ASSISTANCE FOR ENROLLED DRIVER	PHP10,000.00
AC. BURIAL ASSISTANCE FOR ENROLLED CONDUCTOR	PHP10,000.00
AD. ONE TIME EDUCATIONAL ASSISTANCE FOR ONE CHILD OF THE DECEASED DRIVER	PHP5,000.00
AE. ONE TIME EDUCATIONAL ASSISTANCE FOR ONE CHILD OF THE DECEASED CONDUCTOR	PHP5,000.00
AF. CASKET FOR THE DRIVER	PHP5,000.00
AG. CASKET FOR THE CONDUCTOR	PHP5,000.00
AH. AMBULANCE ASSISTANCE	PHP5,000.00
AI. PERMANENT TOTAL DISABILITY	PHP75,000.00
AJ. BAIL BOND	PHP30,000.00
AK. LEGAL ASSISTANCE SERVICES

WHEREAS, after conducting a transparent accreditation process, the Board entered into a Memorandum of Agreement (MOA) on November 15, 2013 with the two (2) accredited insurance groups represented by their Lead Insurance Company and Management Company, to wit:

LEAD INSURANCE COMPANY	MANAGEMENT COMPANY
UCPB GENERAL INSURANCE COMPANY, INC.	PASSENGER ACCIDENT MANAGEMENT AND INSURANCE AGENCY, INC. (PAMI)
ALLIEDBANKERS INSURANCE CORPORATION	SCCI MANAGEMENT AND INSURANCE AGENCY, CORPORATION, (SCCI)

NOW THEREFORE, the Board, by virtue of its powers as above-mentioned, hereby adopts the following guidelines for the implementation of the 2013-2015 enhanced PPAIP as follows:

Section 1. Accredited Providers. All PUV operators are hereby directed to secure their 2014 and 2015 Personal Passenger Accident Insurance Policy from either of the above-mentioned two (2) accredited insurance groups beginning on 01 February 2014.

Section 2. Approved Premiums. The approved premiums for the 2014 and 2015 Passenger Personal Accident Insurance Program as prescribed by the Insurance Commission, are as follows:

TYPES OF VEHICLES	ANNUAL PREMIUM
METRO MANILA BUSES	PHP1,780.00
PROVINCIAL BUSES	PHP2,100.00
AUV/UV EXPRESS	PHP1,500.00
JEEPNEYS	PHP1,450.00
SEDANS	PHP1,200.00
TRUCKS	PHP750.00

Section 3. Re-assessment and Payment. Operators with PUVs bearing Plate Numbers ending in “1 & 2” who have already secured 2014 Personal Passenger Accident Insurance Policy of their PUV units based on the old Premiums and Benefits for 2014 confirmation are hereby directed to secure from the insurance company who issued their 2014 policy for re-assessment and payment based on the latest approved premiums with an enhanced benefits within THIRTY (30) DAYS after effectivity of this memorandum circular.

Section 4. Penalty for Violation. PUV operators who already confirmed their units ending in “1 and 2” as mentioned above, who failed to avail the Enhanced Benefits for their passenger shall suffer the penalty of Two Hundred Pesos (Php200.00) for every day of delay from the lapse of the 30 day reassessment and payment period provided in the preceding section.

This Memorandum Circular supersedes, amends, and/or modifies previous circulars, if any, as well all other issuances or parts thereof which are inconsistent herewith; and this shall take effect immediately from its publication in a newspaper of general circulation in the Philippines. Three (3) copies thereof are directed to be submitted to the UP Law Center for recording purposes, pursuant to Presidential Memorandum Circular No. 11, dated October 9, 1992.

SO ORDERED.

Quezon City, Philippines, January 23, 2014.

(SGD) ATTY. WINSTON M. GINEZ, CPA Chairman
(SGD) ENGR. RONALDO F. CORPUS Board Member	(SGD) ATTY. ROBERTO P. CABRERA III Officer-in-Charge Executive Director and Board Member (Per DOTC Order No. 2013-142)