Home Credit Protect Covers More Than You Think

Home Credit Protect is your go-to solution for safeguarding your purchases and financial well-being. Whether it's your latest gadget, home appliance, or even your loan repayments, Home Credit offers a suite of protection plans tailored to your needs. Let's explore each one to understand how they can benefit you.​ 

You can choose from five helpful add-ons designed to cover everything from gadgets to unexpected life events. So, here’s a closer look to see how they can make your loan experience worry-free.  

Dropped your phone or had it stolen? It happens—and it can be a real hassle. But with Home Credit's Device Protection, you don’t have to stress. This optional add-on gives you peace of mind by covering your phone or tablet against accidental damage and extension to manufacturer’s warranty to another year. So whether you accidentally drop it, spill something on it, or it's stolen, you’re covered. 

What makes it better? No need to pay the full cost of repair or replacement out of pocket. Home Credit helps shoulder the expense, so you can get your device fixed or replaced without hurting your budget. It’s a smart extra layer of protection, especially if you're getting a new gadget through installment. 

Here’s what you’ll enjoy: 

• Repair coverage for cracked screens, water damage, and other accidents. 
• Replacement coverage if your device is stolen and cannot be recovered. 
• Quick claims process—just report the damage or loss, and Home Credit guides you through the next steps. 
• Affordable monthly fee, added to your installment plan for convenience. 

In short, it's one less thing to worry about. When you get Device Protection with your loan, you’re not just buying a phone—you’re making sure it stays protected, too. 

Just bought a new fridge, washing machine, or TV? Keep it protected with Home Credit’s Appliance Protection Plan—your backup plan for life’s “uh-oh” moments. 

Appliances can break down unexpectedly, and repairs aren’t cheap. That’s where this plan comes in. It extends your gadget’s protection beyond the standard warranty and covers accidental damage and mechanical or electrical breakdowns, even after the manufacturer warranty ends. 

Here’s what you get: 

• Extended coverage for up to 1 years after your factory warranty ends. 
• Protection from spills, cracks, power surges, and more. 
• Hassle-free repairs or replacements—no need to worry about where to bring your unit or how much it’ll cost. 
• Affordable monthly fee, conveniently added to your loan payment. 

Think of it as a safety net for your investment. With Appliance Protection, you can enjoy your new home gadget without the “what if” stress. Because when life happens, Home Credit has your back. 

Life can be unpredictable—but your loan doesn’t have to be a burden when things go wrong. With Home Credit’s Borrower Protection Plan, you’ll feel at ease knowing you and your loved ones are financially covered in case of emergencies. 

This plan is designed to support you if something unexpected happens, like getting hospitalized, injured, or worse. It helps cover your loan payments and even offers hospital cash benefits to lighten your financial load. 

Here’s what’s included: 

• Installment or loan balance coverage in case of death or disability. 
• Hospital cash assistance for up to 30 days if you're confined due to sickness or accident. 
• Accidental medical reimbursement for outpatient treatments and inpatient treatments if the reason of treatment is due to an accident. 
• FREE online medical consultations, so you get quick, expert advice when you need it. 

It’s one of those things you hope you never need—but you’ll be glad you have it if you do. Adding Borrower Protection to your loan is a smart move to keep yourself and your family protected while you work toward your goals. 

Sometimes, paying your loan on time can be tough—especially when unexpected things happen. That’s where Loan Extra Care comes in. It’s an optional add-on that gives you a bit of breathing room when life gets in the way. 

With Loan Extra Care, you get one-time assistance to cover your missed payment if you’re facing challenges like job loss, medical emergencies, or other personal issues. It's designed to help you stay on track with your loan without added stress. 

Here’s what it offers: 

• Covers one missed installment, so you don’t fall behind on payments. 
• Quick and easy claims process, with minimal paperwork for due date change and early repayments. 
• Affordable fee that’s added to your monthly loan payment. 

Think of it as a simple way to stay protected from financial curveballs. Loan Extra Care gives you that extra layer of security—just in case you need a little help along the way. 

Your home is more than just a place—it's where life happens. But what if unexpected events like typhoons, fires, or burglaries occur? With Home Credit’s Home Protection Plan, you can rest easy knowing your home and belongings are covered.​ 

For just ₱1,188 per year (about ₱3.25 per day), this plan offers up to ₱50,000 in coverage for damages or losses caused by natural disasters or theft. 

Here's what you get: 

• Coverage for your home's structure, including walls, roof, floors, windows, and built-in fixtures. 
• Protection for your belongings, such as appliances, electronics, furniture, clothing, sports equipment, and kitchenware. 
• Emergency assistance services for plumbing issues, electrical problems, locksmith services, and glass repairs. 
• Additional fire-related benefits, like up to ₱25,000 reimbursement for firefighting expenses and coverage for items temporarily removed from your home. 

Whether you're a homeowner or renter, adding Home Protection to your loan is a smart move to safeguard your space and stay worry-free during life’s unexpected moments. 

Incorporating Home Credit Protect into your loan package is a smart move. It offers a safety net that covers various aspects of your life, from your gadgets and appliances to your health and home. By choosing the protection plans that suit your needs, you ensure that you're prepared for the unexpected. It's not just about borrowing—it's about borrowing wisely and responsibly.​

For more details on each protection plan, you can visit the respective pages:​ 

• Device Protection 
• Appliance Protection 
• Borrower Protection 
• Loan Extra Care 
• Home Protection 

Adding Home Credit Protect to your loan is a proactive step towards financial security and staying prepared for life’s what-ifs. It's about ensuring that you're covered, no matter what life throws your way.