Are my joint deposit account/s insured separately by PDIC from individually-owned deposit account/s?

Yes, a joint account shall be insured by PDIC separately from any individually-owned deposit account/s. If the account is held jointly by two or more natural persons, the maximum insured deposit shall be divided into as many equal shares as there are individuals unless a different sharing is stipulated in the document of deposit. For more information, you may visit https://www.pdic.gov.ph/di_howtofileclaims_dot