Frequently Asked Questions

Please refer to the following payment channels.

The plan will be considered in default if payment is not settled within sixty (60) days from the due date. After this period, the plan will be in Lapse status. However, a lapsed plan may be reinstated within two (2) years from the date of lapsation. To reinstate, email us for the computation of penalties and other applicable charges.

The reinstatement period of a lapsed plan is only within two (2) years from the date of lapsation. After this period, if your plan remains lapsed, the plan will be cancelled. All payments made will be forfeited in favor of the Company as liquidated damages.

Please make sure that we have your updated contact details. To update, please email customer-service@philplans.com.ph or leave a message on PhilPlans Facebook page.

Official receipts (OR) are automatically sent through your mailing address on record. In case of non-receipt, you may request for a digital copy by emailing customer-service@philplans.com.ph together with a copy of your proof of payment.

Once your plan matures, you may claim the benefit by submitting the following to customer-service@philpans.com.ph:
• Duly signed Benefit Settlement Form
• Scanned copy of either the Plan Contract or Certificate of Full Payment
• Scanned copy of one (1) government-issued ID with three (3) specimen signatures on the copied document
• Scanned copy of proof of bank account (i.e. passbook with name, bank, and account number; deposit/withdrawal slip; or statement of account)
• For Education plans only – nominee’s proof of eligibility to enrol in the applicable education program (i.e. diploma from previous level for the education program being applied for). Note that this requirement is mandatory for all Education Plans EXCEPT for Prodigy, Magna, and Summa plans.
Or you may also visit our office at 5th floor, STI Holdings Center, 6764 Ayala Avenue, Makati City anytime from 8:00am to 5:00pm on weekdays except holidays.
The benefit will be credited directly to the account you provided within thirty (30) working days.

After your first availment of a semestral or periodic benefit, there is NO need to resubmit any document. Your subsequent benefit will be automatically processed and credited to the same bank account. In case you want to change your nominated bank account, email to customer-service@philplans.com.ph at least thirty (30) days before the next crediting a newly-filled out Benefit Settlement Form, ID, and proof of the new bank account.

NO, in alignment with the K-12 system and the adjusted eligibility of your child to enter College, the maturity of the plan has been deferred for two (2) years. The deferment is in accordance with the Contract, specifically Section XXIII. Change in Educational System. This is to ensure that the plan you purchased will be used for the College program it was intended for. The deferment applies to all College plans regardless of the presence or absence of a Nominee - except for Prodigy, Magna, and Summa Plans.

Submit a Notarized Affidavit of Loss together with the other required documents.

Provided the following are of legal age, then they may file for the benefit of the plan: the Nominee, for Education plans; and the Beneficiary, for Pension Plans. If they are of minor age, the Nominee’s/Beneficiary’s guardian may file on their behalf. Additional requirements such as the Death Certificate of the Planholder, Birth Certificate of the Nominee/Beneficiary, and Proof of Guardianship may be required, as applicable.

Special Cash Programs are programs intended to help Planholders who prefer to be financially flexible at this time by getting the plan's equivalent monetary value now, rather than waiting for the plan maturity date/completion of periodic availment. These programs are not mandatory but rather optional. Depending on your plan, you may apply for:
• Lump Sum Payment – applicable for matured Education plans with ongoing periodic benefits.
• Plan Termination (PTV) – applicable for fully paid Pension, Education, and Memorial plans that are not yet matured or due for use.
• Pre-Maturity Benefit (PMB) – applicable for Pension plans with ongoing periodic availments.

Email us at care@philplans.com.ph for the computation of the current value of your plan.

To avail of Lump Sum / PTV / PMB, submit the following to care@philplans.com.ph:
• Duly signed Benefit Settlement Form
• Scanned copy of either the Plan Contract or Certificate of Full Payment
• Scanned copy of one (1) government-issued ID with three (3) specimen signatures on the copied document
• Scanned copy of proof of bank account (i.e. passbook with name, bank, and account number; deposit/withdrawal slip; or statement of account)
The benefit will be credited directly to the account you provided within thirty (30) working days.

After the release of your Lump Sum / PTV / PMB amount, your plan shall be considered FULLY AVAILED and the forms you have submitted shall signify that you have discharged PhilPlans from any liability or future obligation.

We will soon launch a Planholder portal where you can get information and details about your plan. We will advise you as soon as it becomes available. In the meantime, you may email customer-service@philplans.com.ph or leave a message on the PhilPlans Facebook page.

We are now implementing the issuance of a digital copy of the Certificate of Full Payment (CFP) and Plan Contract. Your Certificate of Full Payment (CFP) / Plan Contract will be automatically sent to your registered email address. Please make sure that we have your updated email address and mobile number.

To update your contact information, submit the following to customer-service@philplans.com.ph:
• Duly signed Contact Update Information Form
• Scanned copy of one (1) government-issued ID with three (3) specimen signatures on the copied document

To apply for amendment, submit the following to customer-service@philplans.com.ph:
• Duly signed Application for Amendment Form
• Scanned copy of one (1) government-issued ID with three (3) specimen signatures on the copied document
• Scanned copy of PSA Marriage Contract or Birth Certificate (whichever applicable)
• Scanned copy of proof of payment for the processing fee (Php 300.00)