How do I become a Member of AFPMBAI?
Personnel from the AFP, BFP, BJMP, and PCG are automatic Members of the Association because of their MBAI Protek basic insurance policy upon entry to the service.
Personnel from other branches of service may fill out an MBAI Protek Authorization To Deduct (ATD) Form or an Application for Permanent Insurance Form to purchase a permanent insurance policy with AFPMBAI.
How can retirees/pensioners become a Member of AFPMBAI?
Retirees/pensioners who converted their basic insurance into a permanent insurance policy upon retirement are still considered Regular Members of AFPMBAI. Otherwise, you can become a Member again and enjoy the membership privileges by filling out an Application for Permanent Insurance. We recommend that you enroll for a 20-Pay Whole Life Plan, which is 20 years to pay with lifetime coverage until Age 99.
Do you give out AFPMBAI Membership Kits to Members?
Yes, please proceed to any of our 18 Branch Offices nationwide to claim your Membership Kit, which includes your AFPMBAI Membership ID Card, MBAI Protek Passbook (if you have an active MBAI Protek Policy), AFPMBAI Membership Handbook, and AFPMBAI By-Laws and Articles of Incorporation. The kit is given for FREE in its FIRST ISSUANCE to all Regular and Associate Members with an MBAI Protek Basic Insurance Policy or a Permanent Insurance Policy.
How can I get the new AFPMBAI Membership ID Card?
You can get your new Membership ID Card right away at any of our 18 Branch Offices nationwide (i.e. Camp Aguinaldo, Fort Bonifacio, Isabela, Tuguegarao, Baguio, Cabanatuan, Cavite, Lucena, Batangas, Legaspi, Cebu, Iloilo, Tacloban, Davao, Zamboanga, Cagayan De Oro, Butuan, and Cotabato). This ID Card can be used for all transactions with AFPMBAI and will not have any expiry date. Requirement for issuance is your unexpired Service ID.
If my Passbook gets lost, how do I replace it?
Proceed to any branch and provide your completed Passbook Application Form, completed MIF, updated Service Records/Appointment Orders, Certification of Loss and pay the reissuance fee, as prescribed by Management.
If my Membership ID Card gets lost, how do I replace it?
Proceed to any branch and provide your completed Member’s Information Form (MIF) with a check on the “Reissuance” box and pay the reissuance fee.
How do I get my Policy Contract?
You can request for your Policy Contract by emailing Customer Service at mail@afpmbai.ph. To ensure that you get your Policy Contract within two weeks, this is usually sent by courier to the nearest AFPMBAI Branch Office for pick-up by the Member.
How do I make changes to my life insurance policy and/or my membership information (e.g. designated beneficiaries)?
- For changes in your personal information or designated beneficiaries, you can download the Membership Information Form (MIF) at www.afpmbai.com.ph/afpmbai-forms and email filled-out forms to mail@afpmbai.ph.
- For requests to adjust premiums, you can download the Request for Amendment of Insurance Policy form at www.afpmbai.com.ph/afpmbai-forms and email it to mail@afpmbai.ph.
- For other changes in your insurance policy and other membership concerns, please directly contact the Membership and Policy Services
Section at the following numbers:Telephone: (02) 8822-MBAI (6224) local 7964
Mobile: Globe (0917) 833 4771 / Sun (0933) 869 5711
Email: mail@afpmbai.ph
I paid through an accredited payment center. What is the status on the posting of my payment?
Your payment will be credited with the Association the day after you paid. Kindly ensure that you have written your full name on the payment center slip/form, so that there is no delay in the posting of your payment.
When can I claim my Maturity Benefit?
You can claim your Maturity Benefit equal to the Face Amount of your plan on the Maturity Date of the Policy. For E-56 Retirement Plan, this benefit can be claimed at Age 56. For endowment plans, this benefit can be claimed at the end of the endowment period (e.g. after 10 years for a 10-Year Endowment Plan; on the policy anniversary after the 17th birthday of your child for the College Education Plan).
Can you automatically deposit my Maturity Benefit and Cash Bonus/es to my bank account?
Yes, you need to sign the Authorization To Deposit form attached to your loan or insurance application forms.
Can you directly deposit my Dividends and Refunds/Overpayments to my bank account?
Yes, just email to Customer Service at mail@afpmbai.ph scanned copies of the following:
• Valid ID (back-to-back with 3 specimen signatures),
• Front copy of your ATM (please write ATM number at the bottom part), and
• Filled-out Dividend Request Form or Refund Form
Can I claim for hospitalization benefit due to sickness?
The Association currently has no coverage for hospitalization claims due to illness or surgery. Instead you can claim for Wounded-in-Action Benefit up to ₱12,000 and Battle Injury Assistance up to ₱14,000. Under MBAI Protek Basic Insurance, there are also specific Dismemberment and Disability Benefits based on the table of benefits (ex. 1 hand or leg = 50% of Face Amount; 2 eyes = 100% of Face Amount).
You can also file for a Permanent Disability Claim under your MBAI Protek if you suffered from a work-related illness or suffered injury/accident in the line of duty, subject to medical evaluation.
What is the Comprehensive Financial Assistance Benefit (CFAB)?
The Comprehensive Financial Assistance Benefit (CFAB) gives immediate financial assistance for Members who are Wounded-in-Action, Killed-in-Action, or Injured in the performance of duty. This benefit is given FOR FREE without additional monthly premiums.
SUMMARY OF CFAB BENEFITS
Burial Cash Benefit
Mo. Contributions = 0.5% of Base Pay : PHP25,000
Mo. Contributions = 1.50% of Base Page: PHP47,400
Old Basic: PHP10,000
Battle Injury Assistance
Major Injury: PHP 14,000
Minor Injury: PHP 7,000
Wounded-in-Action Financial Assistance
WIA : PHP12,000
Duty related not WIA: PHP 6,000
Killed-in-Action
Mo. Contributions = 0.5% of Base Pay : PHP100,000
Mo. Contributions = 1.5% of Base Page: PHP200,000
Old Basic: PHP25,000
Who will receive my Death Benefit proceeds if anything happens to me?
Your death benefit proceeds shall be given to your designated beneficiaries indicated in your Permanent Insurance Contract and/or MBAI Protek Basic Insurance Certificate. In the absence of such, if you are single, the proceeds shall be given to your parents. Hence, it is important to update your membership information with AFPMBAI, particularly if you change your civil status.
Am I entitled to receive Policy Dividends? When do I get them?
You are entitled to receive Policy Dividends if you purchased a participating insurance policy, such as a College Education Plan, Saver’s Protection Plus (10-15 Endowment Plan), and 10-Year Endowment Plan. Dividends are paid out yearly and start on the 4th policy anniversary.
What is MBAI Protek Basic Insurance?
MBAI Protek is the affordable basic membership insurance policy of AFPMBAI for the AFP, PNP, BFP, BJMP, and PCG. The plan has high insurance coverage, dismemberment and disability benefits, and killed-in-action (KIA) benefits. As required by law, half (50%) of the monthly contributions goes to the Member’s Equity Fund account and earns interest per year, withdrawable upon retirement or separation from the service.
What is a Permanent Insurance Policy?
A permanent insurance policy earns guaranteed cash values and has a maturity benefit equal to the face amount at the end of the policy. If you still do not have a plan with us, we recommend our 5-pay College Education Plan, 10-pay Saver’s Protection Plus, or our limited pay whole life plans.
Can I ask for an Estimated Premium Computation for all insurance coverages?
Yes, have your membership validated first in order for the Membership Section to compute an estimate for you.
What is the status of my Insurance Application?
If your Insurance Application’s requirements are complete, it will be processed by Underwriting at AFPMBAI’s Head Office in Quezon City where the Association’s medical director is reporting. On the other hand, if it has incomplete information, it will be returned to you through the Insurance Representative who handled your application.
What is this ‘MBAI DUES’, ‘MBAI PREM’, ‘MBAI P’, ‘AFP MBA P’, ‘MBAI PREMIUM’ deduction code in my payslip?
This deduction refers to your basic membership insurance policy, which is an automatic and mandatory deduction for AFP, BFP, BJMP, and PCG personnel from the time they enter the service.
For the AFP, ‘MBAI DUES’ or ‘MBAI PREM’ is equivalent to 0.5% of base pay monthly contribution, while ‘MBAI DUES ADDL’ is equivalent to 1.0% of base pay. You are already upgraded to 1.5% MBAI PROTEK if you have these two deduction codes in your payslip.
For the BFP, BJMP, and PCG personnel, there is an automatic 1.5% of base pay monthly contribution, and the same applies to PNP personnel enrolled in this program.
What is this “SGTI” deduction on my payslip?
This refers to Special Group Term Insurance with a ₱16,000 death benefit collected by AFPMBAI on behalf of the national government. This group insurance coverage was effected by Presidential Decree No. 352 in 1973. The ₱12.00 cost of insurance is shared equally between the government and AFP personnel, thus, the ₱6.00 payslip deduction.
The AFPMBAI Branch Office is far from my place of work, how can I verify my insurance and loan accounts online?
Please send a private message to Customer Service with your full name, branch of service, serial/badge number, and birthday via Facebook Messenger (@afpmbaiofficial) so that we can verify your accounts with us. We welcome any inquiry or service request from you.
Why am I still being deducted even if my policy has matured?
We apologize for the continued deductions as we are also dependent on your Finance Center when it comes to deductions. It normally takes 2-3 months for your Finance Center to stop the deductions because your payslips are prepared in advance.
When can I avail of loans from the Association?
Member’s Educational Assistance Loan (MEDAL)
You can immediately avail of a MEDAL once the first monthly contribution for your MBAI Protek Basic Membership Insurance Policy or Permanent Insurance Policy is remitted by your Finance Center to AFPMBAI. The maximum loanable amount is ₱100,000 payable in three (3) years.
Salary Loan
You can avail of a Salary Loan when your Application for Permanent Insurance has been approved and the first monthly premium has been remitted by your Finance Center. The maximum loanable amount is the aggregate face amount of all permanent insurance policies of the Member.
Policy Loan
You are qualified to take out a Policy Loan against your policy’s Cash Values if your policy has been in-force for at least two (2) years or has paid at least 24 monthly premiums. A Policy Loan is considered as an ‘advance’ from your Maturity Benefit and/or Cash Bonuses, if any, thus all unpaid Policy Loan balances shall be deducted from your Maturity Benefit and/or Cash Bonuses on the maturity date. Amortization payments can be done over-the-counter or thru direct payment at Land Bank, SM Bills, UCPB, Metrobank, Palawan Express, and LBC. This is not subject to Net Take Home Pay.
You are qualified to take out a Policy Loan against your policy’s Cash Values if your policy has been in-force for at least two (2) years or has paid at least 24 monthly premiums. A Policy Loan is considered as an ‘advance’ from your Maturity Benefit and/or Cash Bonuses, if any, thus all unpaid Policy Loan balances shall be deducted from your Maturity Benefit and/or Cash Bonuses on the maturity date. Amortization payments can be done over-the-counter or thru direct payment at Land Bank, SM Bills, UCPB, Metrobank, Palawan Express, and LBC. This is not subject to Net Take Home Pay.
Can I apply for a Real Estate Mortgage/Housing Loan?
Yes you can if you are a member of the Association and you comply with your branch of service and AFPMBAI’s loan requirements.
What is my latest Loan Balance? What is the Net/Gross Amount of my Loan/Re-Loan?
To get an update on your loan, please be ready with your personal information and contact us through the following:
Telephone: (02) 8822-MBAI (6224)
Facebook Page and Messenger: @AFPMBAIOfficial
Email: mail@afpmbai.ph
Why am I still being deducted even if my loan has been fully-paid?
We apologize for the continued deductions as we are also dependent on your Finance Center when it comes to deductions. It normally takes 2-3 months for your Finance Center to stop the deductions because your payslips are prepared in advance.
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