1.  Adhere to the local customs around you whenever possible.

2.  Try to blend in with those around you, especially in your dress; avoid a tourist appearance.

3.  Do not discuss your itinerary, place of lodging, or any other personal matters with strangers.

4. Ignore attempts by locals to engage in potentially controversial topics, including, religion, politics, and war.

5.  Avoid all demonstrations and civil disturbances; leave the area immediately if caught in an impromptu assembly.

6. Do not photograph police stations, military installations, government buildings, airports, ports or train stations without first determining whether photography is permitted. If in doubt, ask permission from someone in authority before taking any photographs.

7.  Be knowledgeable of any restricted areas requiring entry permits, and attain these documents before traveling to such locations.

8.  Avoid viewing maps in plain view; keep cameras and video equipment in a bag when possible; avoid walking around with such items hanging from your neck.

9.  Avoid carrying a purse or wallet. You will often be in crowded areas that are prime hunting grounds for pickpockets and purse-snatchers. If you must carry a wallet, wrap it in a rubber band - this creates friction, making it harder to pickpocket - or use a chain to attach your wallet to a belt loop. Do not use fanny packs or tummy packs - these advertise where your valuables are.

10.  Do not flash large amounts of money when paying a bill. If paying in cash, give the vendor an amount close to the purchase price.

11.  Leave spare cash, jewelry, passports, tickets, and personal papers in a secure place.

12.  Discuss with family and friends what they should do in the event you are involved in a terrorist situation. Do this also with your trip companions.

13.  Inform trusted people of your travel plans and keep them informed of changes.

14.  Ask your employment staff where foreigners usually congregate and avoid those places, especially if there is known animosity in a country against your nationality or ethnicity.

15.  Keep a mental note of safe havens, such as police stations, hotels and hospitals. Mark these on a local map.

16.  Refuse unexpected packages from unknown persons, businesses or organizations.

17.  When driving, avoid predictable times and routes of travel. Vary modes and times.

18.  In crowded streets, always drive with windows up and doors locked. Bombs and other objects can be thrown through open windows. Unlocked doors and be easily opened from the outside during stops or in traffic jams.

19. If you hear an explosion, stay away from windows. A second, and usually more violent, explosion follows many explosions. Seek shelter in your bathroom or, if possible, an interior stairwell.

20.  If shooting starts, drop to the floor or get down as low as possible and try to shield yourself behind or under a solid object.

21.  Avoid all suspicious objects. Never touch or pick up a suspicious object, and leave the area if you see any. Terrorists, organized crime figures and others are skilled in hiding explosives in a variety of objects. Any item that cannot be identified as belonging to a specific person or in a particular place should be treated as suspicious.

• Personal accident policy for the OFW

– This policy provides compensation for death or permanent total disablement caused to the OFW due to named accidental perils, anywhere in the world

• Personal accident and health insurance for the family members

– This section provides personal accident compensation for spouse or children and also provides for a Daily Hospital cash scheme for Hospitalisation claims of family members of OFWs who reside in the Philippines

• Global Emergency Services for OFW's

 We are pleased to provide the following Global Emergency Services enhancement to our support package for Overseas Filipino Workers (OFWs), through our service provider, Assist America. This valuable program protects Overseas Filipino Workers with a comprehensive array of emergency health services while they are living, working and traveling abroad.

Emergency Medical Evacuation:

If a member becomes ill or injured in an area of the globe where appropriate care is not available, Assist America will intervene and use whatever transportation, equipment and personnel necessary to evacuate that individual safely to the nearest facility that meets our rigorous standards. And the full cost of any evacuation, including the medical treatment while in transport, is paid by Assist America.

Medical Repatriation:

When the member has been stabilised to the satisfaction of Assist America's doctor and the attending physician, we will arrange transport back home or to a rehabilitation facility under medical supervision if required.

Compassionate Visit by family member:

Assist America realises that having a family member or friend present during a health crisis makes everyone feel more at ease and even hasten the recuperation process. That is why we will arrange and pay economy round trip transportation costs for a loved one to join any member who is alone and expected to be hospitalised for more than seven days.

Return of mortal remains:

In the unfortunate event that a covered individual passes away while traveling, Assist America will complete the necessary paperwork and arrange for the necessary body preparations, shipping container and transport to bring the mortal remains home.