💡Add-on services / My insurances

Pick an add-on to protect you, your item, or your loan, boss. These Value-added Services (VAS) are optional add-ons you can include with your loan. They give extra support and protection, on top of your loan.

1. Loan Protection

   Loan protection is an insurance that helps pay your loan if something unexpected happens, like a disability or passing away. Skyro will help take care of your loan and family. If a covered accident or illness occurs, the insurance company will work directly with Skyro.
   

   What does Loan Protection cover?

   It covers:

   • Death due to accident or illness

   • Total and permanent disability due to an accident

     To keep things clear, please be honest about health conditions and risks before using this service.
     
     Loan Protection does not cover:

   • Suicide

   • Activities outside normal daily living

   • Work-related accidents
     
     What is the coverage amount?

     The insurance can cover up to 4× your loan amount.
     In case of death, burial assistance is also included—up to your original loan amount.
     Total coverage can reach up to 5× the loan amount.
     
     What is the policy term?

     The coverage lasts for the full loan period and applies 24/7, worldwide.
     
     How do I request coverage?

     You or your beneficiary can contact Skyro Customer Care to start the request.
     
     Please prepare the following documents:
     

     • Death Certificate (PSA Original Copy)

     • Claimants Statement – notarized

     • Attending Physician Statement - notarized
       

     If Death is due to accident:

     • Police report (Original or Certified true copy)

     • Autopsy Report (original or certified true copy, only if performed/available/needed)

       Note: Generali will request above if needed
       

     Additional Requirements:

     • Marriage Contract (if claimant is spouse)

     • Birth Certificate of the Child (If claimant is child)

     • Valid Identification Document of the Beneficiaries (1 valid government issued ID)

     • Birth Certificate of the Insured

     • Medical Records: Generali will request if needed
       

     Skyro will send the needed documents to the insurance company. If approved, the insurer will settle the loan with Skyro. A Skyro agent will then confirm that the loan is closed and nothing more is owed.

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2. Device Protection

Broken phone? Spilled coffee? They’re covered in Device Protection. If the device gets damaged or soaked, we’ll repair it or help you get a new one.

What does Device Protection cover?

It covers:

• Accidental physical damage

• Liquid damage
  Robbery or burglary with clear signs of force or violence

This applies to many electronic items, such as mobile phones, cameras, appliances, and similar products.

What is the policy term?

Coverage follows the insurance policy linked to the approved loan and lasts for the same period.

What is the age limit and minimum insured sum?

• There is no age limit.

• The minimum insured amount is ₱50.

• The maximum coverage depends on the value of the device.