BPI Freelancer​

BPI Freelancer is a personal accident insurance built for self-employed individuals—freelancers, consultants, professionals with private practices, and digital nomads—who don’t have access to standard company benefits. While full-time employees are often covered by perks like HMOs and group insurance, freelancers usually face emergencies alone, relying on their own savings. 

BPI Freelancer gives you financial protection in case of accidents and new illnesses, so you don't have to use money meant for essentials or future plans. It’s your affordable safety net—designed so you can stay focused on your goals, without the added stress.

BPI Freelancer is available to individuals aged 18 to 65 years old at the time of application. This includes, but is not limited to:

• Freelancers
• Entrepreneurs
• Consultants
• Professionals with private practices (e.g., doctors, lawyers, architects)
• Creative and technical experts (e.g., designers, developers, photographers)
• Digital nomads and self-employed individuals
• Independent contractors across various industries

You may purchase a plan for:

• Yourself
• Yourself and up to four (4) other individuals
• Other individuals only (up to five (5) total)

This flexibility is designed to suit the different situations and circumstances of insured members. 

Please note: Overseas Filipino Workers (OFWs) and certain high-risk occupations are excluded. For the full list of exclusions, please refer to the Policy Terms and Conditions.

It’s easy to apply online using any internet-enabled device—no need to visit a branch or office.

For individual purchase:

1. Visit https://freelancer.bpims.com.

2. Choose your preferred plan and indicate who the insurance is for (yourself, others, or a group including yourself).

3. Fill out the application form.

4. Choose your payment schedule: one-time or automatic yearly renewal.

5. Pay using BPI Debit Mastercard, BPI Credit Card, other debit/credit cards, or supported e-wallets.

6. The payor will receive a payment confirmation from our accredited payment gateway, Paynamics.

7. The insured will receive an email confirmation with a password-protected Confirmation of Insurance Coverage (COIC) and instructions to open it.

For group or multiple recipients:

1. Visit https://freelancer.bpims.com.

2. Choose a plan and indicate who the insurance is for (your group and/or others).

3. Fill out the application form per person you wish to enroll. Ensure that you provide the accurate mobile number and email address for each insured member.

4. Fill in the payor’s details.

5. Select one-time payment or auto-renewal.

6. Pay using BPI Debit Mastercard, BPI Credit Card, other debit/credit cards, or supported e-wallets.

7. The payor will receive two confirmation emails: 

a. payment confirmation from our accredited payment gateway, Paynamics, and

b. a purchase summary from BPI MS.

8. Each insured member will receive their individual COIC via email.

Note: When purchasing for others, please check that the insured individuals’ details are accurate and that they are aware/informed about the coverage. Providing correct information ensures receipt of COIC and the ability to open it. Correct information also helps prevent delays during claims.

BPI Freelancer comes in three (3) plan variants.

Amounts are in PHP

The benefits include the following:

• Cash in case of accidental death or permanent disablement, whether work-related or not. 
• Up to PHP 20,000 to help cover your utility bills.  
• PHP 1,000 daily cash allowance for up to 10 days in case of hospitalization due to an accident or covered illness.

For the full details of your coverage and benefits, please refer to the Policy Terms and Conditions.

The annual premium per insured member is:

• Basic: PHP 499/year
• Prime:PHP 699/year
• Elite: PHP 1,099/year

Note: You may choose to set your policy on auto-renew so you won’t have to reapply every year.