Republic of the Philippines
HOUSE OF REPRESENTATIVES
Quezon City

SEVENTEENTH CONGRESS
Second Regular Session

HOUSE BILLNO, 7813

Introduced by: “KUYA” JOSE ANTONIO R. SY-ALVARADO

EXPLANATORY NOTE

Insurance for passengers are the best way to ensure that the riding public will be properly
‘compensated in case of injuries or death resulted from the operation of our railways system. It is
also beneficial for Government since it will save its fund from payment of its liability in favor of
the victims.

At present, our railways systems were involved in different incidents which caused the
life and limbs of our fellow countrymen. Payment for hospitalization, rehabilitation and death
indemnity is inevitable that is why it is about time to create and include insurance coverage as
part of the fare provided that such will be reasonable and affordable for the public.

The purpose of the bill is to create an insurance scheme that will answer for the
indemnity that resulted from the injuries or death among the riding public.

In consideration of the foregoing premises, the passage of the bill is urgently sought.

“KUYA” JOSE ANFONIO R. SY-ALVARADO
Representative
First District of Bulacan


Republic of the Philippines
HOUSE OF REPRESENTATIVES
Quezon City

SEVENTEENTH CONGRESS
Second Regular Session

Introduced by: “KUYA” JOSE ANTONIO R. SY-ALVARADO

AN ACT
REQUIRING ALL OPERATORS, FRANCHISE HOLDERS, AND SERVICE PROVIDERS OF
MASS TRANSPORT PASSENGER TRAINS AND LIGHT RAIL SERVICES TO ACQUIRE
COMPREHENSIVE THIRD-PARTY LIABILITY INSURANCE COVERAGE FOR THE
WELFARE OF THE RIDING PUBLIC

Be it enacted by the Senate and the House of Representatives of the Philippines in Congress
assembled:

SECTION 1. Short Title. This Act shall be known as the “Comprehensive Third-Party Liability
Insurance for Rail and Light Rail Mass Transport Act”

SECTION 2. Third Party Liability Insurance Coverage. All operators, franchise holders, and
service providers of mass transport passenger trains and light rail, whether public or private-owned or
managed, are hereby required to have comprehensive third-party liability insurance (CTPLI) for the
protection and welfare of the riding public.

SECTION 3. Implementing Rules and Regulations. The Insurance Commission, Government
Service Insurance System, Social Security System, Bangko Sentral ng Pilipinas, and Department of
Transportation shall jointly formulate and promulgate, in consultation with the insurance industry, the
implementing rules, regulations, and insurance mechanisms to implement this Act.

The insurance mechanisms may involve one or a combination of different insurance solutions: (1)
microinsurance per passenger per trip; (2) insurance for entire or components of rail networks; (3)
insurance coverage borne by service providers; and (4) insurance that includes coverage for calamities
and other fortuitous events.

SECTION 4. Separability. If any provision or part of this Act is declared invalid or
unconstitutional, the remaining parts or provisions not affected shall continue to be in full force and
effect.

SECTION 5. Repealing Clause. All laws, executive orders, and administrative orders or parts
thereof inconsistent with any provision of this Act are hereby repealed or amended accordingly.

SECTION 6. Effectivity Clau:
in the online version of the Officic
established internet website pi

This Act shall take effect fifteen (15) days after its publication
Gazette or in two (2) newspapers of general circulation or with

Approved,