The Philippine Crop Insurance Corporation (PCIC) provides Agricultural Producers Protection Plan (AP3) to agricultural producers, fisherfolk and other stakeholders. AP3 is an insurance protection that covers death of the insured due to accident, dismemberment/disablement, natural causes, and murder or assault.


Agricultural producers/farmers and fisherfolk, preferably with existing agricultural and/or crop insurance coverage with PCIC, including their family members up to the 4th degree of consanguinity or affinity, and farm workers, hired or otherwise, and likewise other agricultural stakeholders who are from ages 15  to 80 years old and in general healthy condition are eligible for coverage.


  • Duration – One year period
  • Commencement – Upon full payment of insurance premium and on the date indicated in the Certificate of Insurance Cover (COC)
  • Termination – On the expiry date indicated in the COC




Annual Premium Per Member

P 15T P 20T P 25T P 30T P 35T P 40T P 45T P 50T
     112.50      150.00      187.50      225.00      262.50      300.00      337.50      375.00


  1. Premium Rate is 0.75%, regardless of age. No service fee shall be provided to the solicitors under these proposed premium rates. Premiums are inclusive of taxes.
  2. Under the group insurance cover, a group can only avail of one group plan; however a group member may avail of an additional plan;
  3. Two (2) or more policies may be availed of at any given time per insured individual or group, each to be honored separately in case of claim;.
  4. The aggregate sum insured in all policies shall not exceed P 100,000.00;
  5. Those with ages 66 to 80 years old shall be covered up to a maximum of P 50,000.00 only; and
  6. The same premium shall be charged, if coverage is renewed yearly (within 30 days before expiry), provided that no escalation of sum insured is made.



Death of the insured resulting from:

  • Accident;
  • Natural causes; and
  • Murder of assault


Dismemberment/disablement benefits due to accident, as follows:


Description Maximum Benefits  



Loss of both hands or both feet or sight of both eyes 100%
Loss of either hand or foot and sight of one eye 100%  

The benefits shall be based on the insured (percentage of TSI)

Loss of one hand and one foot 100%
Loss of either hand or foot 50%
Loss of sight of one eye 50%


      Death caused by any of the following:

  • War, invasion, act of foreign enemy, hostilities, or warlike operations, mutiny, terrorism, riot, civil commotion, strike, civil war, rebellion, revolution and insurrection, and atomic fission or radioactive contamination;
  • Intentionally self-inflicted injuries, suicide or any attempt threat, while sane or insane;
  • Vehicular accidents while driving under the influence of liquor or prohibited drugs;
  • Rendering military and paramilitary services;
  • Engagement in hazardous sports or occupation;
  • Illegal acts of the insured;
  • Engagement in aviation other than as a passenger in commercial flight;
  • Abortion, except when pursued as a medical intervention; and
  • Incidents occurring before the effectivity and after the expiry of the insurance coverage as indicated in the Certificate of Cover.


In case of death of the insured, PCIC pays the following:

  1. Principal sum of the insurance coverage as stipulated in the COC
  2. Additional benefits:
  • Burial benefit of P 5,000 per insured, regardless of total sum insured and number of policies; and
  • Medical reimbursement of actual medical expenses, net of Philhealth and other health insurance benefits, but not exceed 10% of total sum insured, in case of hospital confinement of the insured due to accident.


      Payment of claim shall be made to the named beneficiary indicated in the COC. If the primary beneficiary is rendered ineligible, the secondary beneficiary shall be the recipient. If the beneficiary is a minor, the appointed trustee is the payee.


  • Where to file – PCIC Regional Office, PCIC Extension Office (PEO), PCIC Insurance Underwriter and Accredited Underwriter Agent.
  • When to file – Any date & preferably while applicant has an existing crop or agricultural insurance coverage.
  • Documents Required – Filled-out Application and Health Statement Form.


      In the event of death of the insured, his beneficiary shall file a notice of claim (NC) in writing to the PCIC RO/PEO not later than forty five (45) calendar days from the time of death.

The Notice of Claim shall at least contain the following information; a) Name and address of the insured; b) COC Number; c) Cause and Death; and d) Date of death.


Within ninety (90) calendar days from the death of the insured, the following claim documents should be submitted:

a. Death Certificate duly issued, signed and sealed by the local Civil Registrar;

b. Birth Certificate or any legally valid evidence of age of the deceased;

c.Medical Certificate attesting to the cause of death;

d. Police report if the cause of death is by accident or violent means; and

e. In case of medical reimbursement claim due to accident:

  • Hospital bill
  • Official receipt issued by the hospital

f. Other documents as may be required by PCIC.


A claim shall be settled not later than thirty (30) calendar days from the submission of complete claim documents to the PCIC RO/PEO or its underwriting agent.



Subject Particulars
 Disappearance Disappearance per se of the insured is not compensable. However, if death of the insured alleged to have disappeared is proven or established later to have occurred during the term of cover, the claim maybe given due course.   
Voidance &










The policy shall be voided and cancelled by the PCIC upon occurrence of any of the following during the effectivity of the policy, and after notice thereof to the  insured/lending institution /cooperative:

a)     Conviction of a crime thus increasing the hazard insured against;

b)     Discovery of fraud or material misrepresentation; and

c)      Discovery of willful, reckless acts or omissions that increase the hazard insured against.

In case of cancellation, the insured is not entitled to any premium refund for the unexpired term.

Civil Code

1250 Waiver Clause

It is hereby declared and agreed that the provision of Article 1250 of the Civil Code of the Philippines (Republic Act No. 386) which reads: “In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the currency at the time of the establishment of the obligation shall be the basis of payment….” shall not apply in determining the extent of liability under the provisions of this policy.



You can download PDF here Agricultural Producer Protection Plan