Personal Cyber Insurance

Double up on security for your debit card.

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Keep yourself safe from these risky situations

Unauthorized Charges

You lost your debit card while out and discovered fraudulent charges the next day.

Online Shopping Scam

You made an online purchase from a fraudulent website and never received your order or refund.

Debit Card Cloning

After paying at a restaurant, you find unauthorized charges, suspecting your card was cloned.

Stolen Identity

Someone steals your identity to take loans, leaving you with debt and legal fees.

Benefits

Don't let cyber threats catch you off-guard! Protect yourself with Personal Cyber Insurance, covering you for:

E-commerce Purchase Protection

Reimbursements for non-delivery or accidental damage of digital purchases.

Electronic Funds Transfer Fraud

Reimbursements for unauthorized use of your debit card.

Identity Theft

Reimbursements for costs to regain or re-establish stolen identity.

Learn how Personal Cyber Insurance can protect you

Benefit	What's covered	What's not covered *Notable exclusions
E-commerce Purchase Protection	Reimbursement for online purchases on your BPI Debit Mastercard® if your items are accidentally damaged or your purchases are undelivered by a fraudulent seller.	Counterfeit or fake products Animals or plant life Softwares, datafiles, online subscriptions
Electronic Funds Transfer Fraud	Reimbursement for unauthorized fund transfers carried out by an external party using your BPI Debit Mastercard® account. Plus, enjoy the added advantage of online fraud protection in case of card loss, if you report the lost or stolen card within 24 hours of discovery and the unauthorized transactions were made within 12 hours prior to reporting of the lost/stolen card.	Confidence scams such as Vishing and Smishing (non-vanity SMS numbers) Transactions from lost or stolen plastic card beyond 12 hours prior to reporting of the lost card (lost card incident must be reported within 24 hours).
Identity Theft	Get reimbursed for costs such as legal charges, which may result from identity theft and the efforts to clear your name.	Confidence scams such as Vishing and Smishing (outside SMS channel using short code) Voluntary disclosure

Benefit

What's covered

What's not covered

*Notable exclusions

E-commerce Purchase Protection

Reimbursement for online purchases on your BPI Debit Mastercard® if your items are accidentally damaged or your purchases are undelivered by a fraudulent seller.

Counterfeit or fake products
Animals or plant life
Softwares, datafiles, online subscriptions

Electronic Funds Transfer Fraud

Reimbursement for unauthorized fund transfers carried out by an external party using your BPI Debit Mastercard® account.
Plus, enjoy the added advantage of online fraud protection in case of card loss, if you report the lost or stolen card within 24 hours of discovery and the unauthorized transactions were made within 12 hours prior to reporting of the lost/stolen card.

Confidence scams such as Vishing and Smishing (non-vanity SMS numbers)
Transactions from lost or stolen plastic card beyond 12 hours prior to reporting of the lost card (lost card incident must be reported within 24 hours).

Identity Theft

Get reimbursed for costs such as legal charges, which may result from identity theft and the efforts to clear your name.

Confidence scams such as Vishing and Smishing (outside SMS channel using short code)
Voluntary disclosure

For the complete details, please refer here.

Choose the Personal Cyber Insurance plan that best suits your needs

We offer three protection levels with varying premiums and coverage limits.

Plan Name	Premium	Electronic Funds Transfer Fraud		E-commerce Purchase Protection		Identity Theft
Plan Name	Premium	Limit per Occurrence	Liability Aggregate	Limit per Occurrence	Liability Aggregate	Limit per Occurrence	Liability Aggregate
Basic	Php 700	Php 10,000	Php 20,000	Php 10,000	Php 20,000	Php 10,000	Php 20,000
Prime	Php 1,100	Php 20,000	Php 60,000	Php 20,000	Php 60,000	Php 20,000	Php 60,000
Elite	Php 1,750	Php 50,000	Php 150,000	Php 50,000	Php 150,000	Php 50,000	Php 150,000

Quick guide

How can I avail of the Personal Cyber Insurance?

Here are the steps on how to avail of the Personal Cyber Insurance:

a. Visit the Personal Cyber Insurance page

b. Fill out the online application form under “Let’s get you covered” with your details.

c. Read and confirm your agreement to the insuring terms and conditions and all disclosures.

d. Click the "Pay & Save" button to proceed to payment.

e. Enter your BPI Debit Mastercard® details and click the "Pay Now" button to complete the transaction.

f. Upon successful payment, you will receive an email acknowledging your enrollment and providing a copy of your Confirmation of Insurance Coverage (COIC).

Additional reminders

Before making online payments, ensure that the E-commerce access of your BPI Debit Mastercard® is enabled. You can do this through Card Control which you can access in the BPI online or app.
Ensure you have a stable internet connection before proceeding with enrollment.
Keep your BPI Debit Mastercard® information readily available for payment.
Review the terms and conditions of the insurance plan carefully before enrolling.
Save the Confirmation of Insurance Coverage (COIC) for future reference.

Frequently asked questions

What is Personal Cyber Insurance?

Personal Cyber Insurance is a non-life insurance product offered by BPI MS Insurance that provides comprehensive protection against unauthorized and fraudulent transactions, identity theft, undelivered/damaged goods from online purchases. It is designed to complement the security of your BPI Debit Mastercard® by providing you with an additional layer of protection.

Who is eligible for Personal Cyber Insurance?

Only BPI Debit Mastercard® holders are eligible for Personal Cyber Insurance. This exclusive partnership between BPI and BPI MS Insurance aims to provide debit customers with enhanced security and greater peace of mind when conducting online transactions.

Why do I still need Personal Cyber Insurance when BPI Debit Mastercard® employs very strong security protocols and standards?

While your BPI Debit Mastercard® is equipped with advanced security features to safeguard your transactions, Personal Cyber Insurance offers an additional layer of protection against cyber threats and provides comprehensive coverage for your online activities.

What is the scope of coverage provided by Personal Cyber Insurance?

Personal Cyber Insurance specifically covers the BPI Debit Mastercard® and related accounts of the insured individual under Bank of the Philippine Islands. It does not extend to other financial accounts held by the insured individual outside of their BPI Debit Mastercard® and associated accounts with Bank of the Philippine Islands.

Do I need to purchase separate Personal Cyber Insurance policies for each of my BPI Debit Mastercard® or associated accounts?

No, you only need one Personal Cyber Insurance policy to cover all your BPI Debit Mastercard® and associated accounts. The insurance coverage is applicable to the insured individual, not to individual cards or related accounts. As long as your claim/s fall within the chosen plan, it will be covered regardless of the specific BPI Debit Mastercard® or associated account involved.

Boost your online protection with cyber insurance

Transact with greater confidence knowing that you're covered from fraud and identity theft.

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More debit card features you can rely on

Account linking

Easily access your other accounts in one card.

Contactless feature

Pay it cool by tapping your BPI Debit Mastercard®

Card Control

Be in control and customize your BPI Debit Mastercard features in real time.

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Personal Cyber Insurance

Unauthorized Charges

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