15/07/2025
Why do the best companies invest in their people’s safety—even when they don’t have to?
Because protection builds trust. And trust builds loyalty.
It’s not just about insurance. It’s about sending a clear message to your employees:
‘We care about you—not just while you work, but if something unexpected happens.’
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Here’s the HOW:
PRU Personal Accident gives you the power to protect your team from accidents, disability, hospital expenses—even death—at a cost that’s within budget but beyond expectations.
This is not a benefit you have to give. It’s a benefit that defines your brand.
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Now the WHAT – the actual premiums (₱1M coverage, per year):
If you cover each employee with ₱1,000,000 accidental protection:
• For Class 1 (non-hazardous jobs like office workers, insurance agents, teachers, doctors):
₱4,431.31 per employee per year. That’s only around ₱12/day.
• For Class 2 (limited exposure roles like drivers, plant supervisors, architects):
₱5,229.82 per employee per year. Roughly ₱14/day.
• For Class 3 (skilled or semi-skilled workers like janitors, messengers, waiters, mechanics):
₱5,773.22 per employee per year. That’s about ₱16/day.
• For Class 4 (industrial/unskilled workers like construction helpers, delivery men, butchers):
₱6,822.32 per employee per year. Just around ₱18.70/day.
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The most admired business leaders are early adopters—they don’t wait for tragedy or competition to act. They lead with care, and in return, their people stay longer, work harder, and speak proudly about where they belong.
You don’t need a big budget to be a great leader.
You just need a big WHY—and a plan that backs it up.
So here’s the question every great business should ask:
If it only costs ₱12 to ₱18 a day to protect one life… what’s stopping you from protecting your team?
