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To avail HCProtect for devices: 1. Look for Device Protection under Special Offers and tap Buy Now. 2. Click on Manage Loans & choose the device you want to protect. 3. Click More Options then select Device Protection 4. Choose a plan and click Buy Now 5. Enter referral code shared by your friend or Home Credit Sales Associate (optional) 6. Click Continue & review the purchase details 7. Click Start Loan Application Process 8. Review your information then click Submit Application. You’ll receive notification while your application is being processed and once it is approved. 9. Once approved, review the loan details and sign the loan contact agreement using OTP that will be sent to your mobile number. 10. When you receive a notification to activate your Device Protection, open the message and tap Pay Now. 11. Choose to pay your via ADA, Pay Online or Pay Over-the-Counter. 12. After paying, a notification will be sent that your device protection is now activated.

Borrower Protection Plan Plus (BPP Plus) is the new HCPH’s Value Added Services. It protects customers in case of death, accidental dismemberment and provides teleconsultation benefit. BPP Plus also provides loan repayment assistance due to catastrophic events or hospitalization. Plus, we are extending the coverage to eligible family members.

The insurance provider of Home Credit is Sun Life Grepa Financial, Inc. and Fortune General Insurance.

Customers who get a loan with Home Credit and are between the ages of 18-68 years old are qualified to avail BPP and BPP Plus.

You just need to apply for a Home Credit loan and present 2 valid IDs as required for the loan.

While Home Credit is the policy holder, it is the Home Credit customer and eligible family member/s who shall be covered by BPP Plus. In the event of a valid claim, BPP Plus will pay for the unpaid balance of the loan while the remaining proceeds of the claim will be paid to the nominated beneficiary of the customer. And in case of accidental death or dismemberment, an eligible member is qualified to file a claim, provided that the family member presents a proof of relation to the borrower.

Home Credit is automatically the BPP Plus beneficiary. Customers can then nominate one family member on the first degree on consanguinity (i.e. parents, spouse, or children) as their beneficiary. Sun Life has the discretion to decline a claim if the relationship of the customer with her nominated beneficiary cannot be established.

BPP Plus is offered through our POS and Cross-sell Channels when you avail of your loan. Our Sales Agent will be helping you with your loan application to enroll you in BPP Plus.

Coverage starts once your loan is approved and will end on your last due date.

Yes. We encourage your beneficiary or representative to submit all the requirements to Home Credit so that we can initiate filing of the claim. They may send requirements personally or via any courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

You may call the Home Credit customer service hotline to file a claim.

You may refer to the table below for the requirements based on your claim: *Hard copy is needed 1. Claimant’s Statement Form (SLGFI Form) to be accomplished by the beneficiary (spouse, if married) both parents (if single). 2. Original/Certified True Copy of Death Certificate with seal and issued by the Local Civil Registrar/PSA 3. Supporting documents depending on the beneficiary/eligible dependent/s 4. Government Issued IDs (Valid ID’s) photocopy 5. If due to accident, Certified True Copy Complete/Final police investigation report must be provided.

Customer to call the Grepa Medical and Diagnostic Clinic (GMDC) Hotline No.: SMART 0960-2684899 (Monday to Friday), GLOBE 0956-8300512 (Wednesday to Sunday) or send via email: HCTP@sunlifegrepa.com HCTP coordinator to inquire the chief complaints and provide schedule to the doctor via zoom.

You may submit your complete documents personally or via courier to: Customer Service Operations c/o Insurance Processing Team Home Credit Philippines HC Consumer Finance Philippines Inc. 11/F Vertis North Tower 1 Brgy Bagong Pag-asa, Diliman Quezon City, Philippines

Yes, except if it is specified in the list of requirements that only photocopies are needed.

No. We will only be accepting original hard copies of the documents as specified in the list of requirements.

No. A valid claim can only be filed if the event that results in that claim happens during the term of the loan.

No. There are no fees and charges when processing your claim.

Once Home Credit receives your complete documentary requirements, it will take a maximum of 20 working days for the claim to be processed to give time for our insurance provider to review and approve the request.

Home Credit will call the claimant to inform if there are additional documents needed to process a claim.

You may call the Home Credit customer service hotline to check on the status of your claim and request to put a hold on payment reminders while the claim is in process

Kindly keep in mind that the Appliance Protection service period is not co-terminus with the loan term. This means that it is possible that the Appliance Protection coverage remains active or has ended already after the loan has been fully paid.

Appliance Protection is a repair or replacement service for Home Appliance and Electronics (HA/EL). This product provides protection against the high cost of repairs of damaged or broken home appliance and electronics caused by accident or breakdown due to flaws or defects that occur from the manufacturer’s design.

Brand new Home Appliance and Electronics purchased at a Home Credit partner-retailer store. Any brand, make or model and most types of appliance and electronics are eligible for Appliance Protection.

Appliance Protection provides extension of the manufacturer’s warranty to one more year plus covers Accidental Damage/Breakage or Liquid Damage/Breakage. A) Accidental Breakage and Liquid Breakage / Accidental Damage and Liquid Damage (ABLB/ADLD) – covers the cost of repair or replacement of the HA/EL due to any visible breakage or damage during the period of service due to involuntary or external means or an involuntary seepage of liquids inside the HA/EL. B) Extended Warranty – covers the cost of repair or replacement due to the HA/EL failure as a result of inherent mechanical and/or electrical defects caused by manufacturing defects. Appliance Protection also offers free pick-up and delivery of the HA/EL and like-to-like replacement if the HA/EL is deemed to be beyond economical repair.

Home Credit partners with one of the top global providers of Appliance Protection coverage, Esquire. For more details on the provider of the purchased Appliance Protection, please check the Terms and Conditions (T&C) provided after the Consumer Loan contract signing.

There are three types of Appliance Protection coverage available for Home Credit Consumer Loan customers: 1) Extended Warranty plus ADLD/ABLB 2 Years - ADLD/ABLB coverage for 2 years from the purchase date - Extended Warranty for a period of 1 year effective from the date of expiry of the original manufacturer’s Warranty Period 2) Extended Warranty plus ADLD/ABLB 1 Year - ADLD/ABLB coverage for 1 year from the purchase date - Extended Warranty for a period of 1 year effective from the date of expiry of the original manufacturer’s Warranty Period 3) Extended Warranty - Extended Warranty for a period of 1 year effective from the date of expiry of the original manufacturer’s Warranty Period

The Appliance Protection Fee varies depending on the price of an eligible HA/EL. For example, the Extended Warranty coverage for a Television priced at Php18,000 is only Php1,620, already good for one year! Aside from its low price compared to other providers, Home Credit Appliance Protection is always payable in installments, so there’s no need to worry about the burden of a full outright cash payment. The Appliance Protection is already active upon downpayment and signing of the loan contract!

Appliance Protection can be added to a Home Credit Consumer Loan as a value-added service during the loan application process. Just simply inform the Sales Associate of the intent to add Appliance Protection fee to the Home Credit Consumer Loan.

There is no need to submit additional documents to avail Appliance Protection bundled with a Home Credit Consumer Loan, just tell the Sales Associate to add Appliance Protection to the loan. Please take note that the usual loan application documents are required pertaining to the Home Credit Consumer Loan.

There is no need to manage a different payment date or pay a separate amount for the Appliance Protection bundled with Home Credit Consumer Loan. The Appliance Protection Fee is already included in the Repayment Schedule for the loan. Just choose whatever payment methods works best: pay online, enroll to Auto Debit arrangement or pay over the counter.

Warranty extension is a program provided by LEX Services, Inc. in cooperation with various appliance or gadget dealers, whereby the customers who bought an eligible appliance or gadget can purchase a warranty extension contract for the said appliance or gadget, which will extend its warranty for additional years. The coverage of the warranty extension is the same as the original manufacturer's warranty. (Please see Terms and Conditions in the contract.)

You should contact LEX first before going to the store or service center. You may get in touch with LEX through the following: LANDLINE: +63 2 8254 7616 EMAIL: claims@lexservices.ph MOBILE PHONE: Smart: +63 918 990 3487 Globe: +63 956 409 1953

You should provide your LEX Contract Number, your (the Customer’s) full name, and your (the Customer’s) Contact Number to LEX Customer Service. You may be required to present a copy of your LEX Contract, sales invoice, and, for online purchases, the airway bill.

Warranty extension is only available for selected products and brands that are eligible for the program.

Maximum coverage is equivalent to the Appliance/Gadget Purchase Price

Maximum coverage is equivalent to the Appliance/Gadget Purchase Price

Yes, LEX EW is transferrable during the extended warranty period in case the customer re-sells the appliance/gadget to another person.

It provides for indemnification for loss/damages of contents inside the residence up to P50,000 due to: Fire and Lightning, Flood, Typhoon, Earthquake, Robbery/Burglary Riot, Strike, Malicious Damage, Smoke Damage, Falling Debris. It also has additional benefits • Rental Expense Reimbursement in case of Fire occurrence up to Php50,000 • damage cover • Fire Fighting Expense – Php10,000 • Temporary Removal – Php10,000

Claims must be submitted within 30 calendar days from the date when the incident occurred. Otherwise, BPI-MSI reserves the right to deny the claims request. - Notify BPI-MSI (provider) by: (i) emailing bpimsclaims@bpi.com.ph or (ii) calling their hotline 8840-9000 Mondays through Fridays from 9am to 5pm (including public holidays). [Claiming instructions also provided in their certificate of coverage]

Home Content can be added to a Home Credit Consumer Loan as a value-added service during the loan application process. Just simply inform the Sales Associate of the intent to add Home Content to the Home Credit Consumer Loan.

The total premium is P1,188 and monthly payment will be divided by the term of the loan.

Product for loan and repayment that can help the customers when it comes to the flexibility in managing payments especially during unforeseen events. HC Extra Care includes the following services: 1.Early Repayment - Partial Early Repayment (PER) - Full Early Repayment (FER) 2.Payment Holiday 3.Change in Due Date

Yes

Yes, since the add-on fee will be paid with the monthly installment.

HC Extra Care validity is valid while the loan contract exist. It is applicable to a specific contract only (e.g. they cannot use HC Extra Care for other existing contracts without HC Extra Care).

By calling customer service and request for activation of service.

Yes. As long as conditions and eligibility are met.  Customer can only avail one HC Extra Care service (PER, FER, Due Date Change or Payment Holiday) at a time. The customer may request for another activation after he/she finished using the previous service and has paid the required monthly installments based on HC Extra Care’s Terms and Conditions.

•Change of Due Date/Payment Holiday – Twice every 12 months for the entire loan duration. •PER/FER - Can apply anytime within the loan duration.

Your Device Protection Plan will not be affected. The coverage period stated in your contract stays the same.

It does not affect your coverage unless you miss your due date for over 90 days. After 90 days of no payment, your Protection Plan is automatically terminated.

Yes, you can still have your device repaired or replaced during the Extended Warranty period even after you have claimed the manufacturer’s warranty.

You can validate by referring to your Device Protection contract or by directly contacting your dedicated provider.