Emergencies and disasters hit fast — and their costs can derail even the best-laid budgets. Whether it’s a typhoon that damages your home, an accident that leads to unexpected medical bills, or a fire that forces urgent repairs, the financial fallout can be overwhelming. Skyro makes those moments easier to manage with its Personal Accident Value-Add Service (VAS) — an affordable insurance add-on you can bundle with your Skyro loan to get immediate, practical protection.
What the Skyro Personal Accident VAS covers
Skyro’s VAS provides straightforward, targeted financial support for common emergency scenarios. Coverage options range from ₱15,000 to ₱50,000 and include help for:
- Typhoon- or fire-related property damage
- Personal accidents (injuries requiring medical care)
- Medical assistance related to those accidents or qualifying emergencies
This is designed to reduce the immediate out-of-pocket burden so you can focus on recovery instead of scrambling for funds.
Who can get it
- Open to all Skyro customers — whether you’re applying for your first Skyro loan or reapplying.
- The VAS is offered as an optional add-on to your loan application and is intended to run alongside your loan term (for example, a 12-month installment term typically corresponds to 12 months of VAS coverage).
Simple, digital enrollment — bundle with your loan
Getting covered is quick and digital:
- Visit https://www.skyro.ph/productloan and complete the online loan application form.
- Select the Personal Accident VAS option to bundle coverage with your loan.
- Your monthly VAS premium will be fixed for the term and shown during checkout so there are no surprises.
You can also speak to a Skyro agent at a partner store (see the store map on the same product page) or contact Skyro Customer Care through the in-app chat for help with enrollment.
Clear pricing — an example to illustrate
Skyro keeps pricing predictable by fixing the insurance premium each month based on your loan amount:
- Example: If you borrow ₱25,000 on a 12-month plan and add the Personal Accident VAS, your insurance premium is ₱600 per month, giving you protection for the full year.
(Exact premiums vary by loan amount and term — your final rate will appear during application.)
How claims and assistance work (what to expect)
Skyro aims to make claims straightforward and supportive. While the exact documentation required may vary by case, here’s what typically helps speed up assistance:
- Report the incident to Skyro via the app chat or your Skyro agent as soon as possible.
- Prepare basic documents: valid ID, loan reference, photos of damage or injury, medical receipts and notes (for medical claims), and any relevant incident reports (for fire or police reports if applicable).
- A Skyro representative will guide you through the claim submission, review process, and next steps.
If you need real-time help, visit a Skyro partner store or use the app chat — Skyro’s customer team is available to answer questions and walk you through filing a claim.
Why this VAS matters
- Fast access to help — reduces cash stress after accidents or disasters.
- Simple bundling — added during loan application so coverage is immediate and tied to your financing.
- Predictable monthly cost — fixed premium based on loan amount and term avoids unexpected spikes.
- Accessible support channels — enroll online, in partner stores, or through the Skyro app.
How to get started
- Apply online and add the Personal Accident VAS: https://www.skyro.ph/productloan
- Visit a nearby partner store (map available on the product page) and speak with a Skyro agent for in-person help.
- Download the Skyro app (Apple Store / Google Play) and use in-app chat for questions, enrollment help, or claims support.
- Follow Skyro on Facebook, Instagram, LinkedIn, and TikTok for updates, reminders, and helpful tips.
Protecting your finances doesn’t have to be complicated. With Skyro’s Personal Accident VAS, you get a practical safety net to ease the cost of emergencies — affordable, easy to add to your loan, and backed by Skyro’s customer support when you need it most.
