Critical Illness (Basic & Plus)

Be financially prepared for life’s biggest health challenges. Critical Illness Insurance provides a lump-sum cash benefit upon diagnosis of a covered illness like Cancer, Heart Attack, or Stroke—giving you the freedom to use it for treatment, recovery, or everyday needs. It’s your safety net when serious illness strikes, so you can focus on getting better, not worrying about expenses.

BENEFITS	Critical Illness Basic	Critical Illness Plus
Critical Illness Diagnosis - Cancer/Heart Attack/Stroke	₱50,000.00	₱100,000.00

TERMS and CONDITIONS

Insured can avail up to five (5) policies for Critical Illness Plus, or up to ten (10) policies for Critical Illness Basic.
Eligibility: Principal must be 18 to 60 years old.
Waiting Period: Coverage begins ninety (90) days after the effective date of the Policy
Critical Illnesses covered: Cancer, Heart Attack, and Stroke.
This policy provides a lump sum cash benefit if the insured person is diagnosed with a covered critical illness. The benefits include:
1. Advanced Stage Critical Illness - 100% of the sum insured will be paid if diagnosed with an advanced stage critical illness.
2. Early Stage Critical Illness - 100% of the sum insured will be paid if diagnosed with an early stage critical illness.
Only one claim per critical illness and stage is allowed per policy. The policy terminates upon claim payment. For multiple policies, the maximum total benefit payable across all is Php 500,000.

EXCLUSIONS

This policy does not cover claims resulting from:

Any illness or surgery other than diagnosis of or surgery for a covered critical illnesses as defined in the Policy.
Pre-existing conditions before the policy effective date (or coverage start date).
Early signs/symptoms appearing within sixty (60) days for Early Stage Critical Illness and ninety (90) days for Advanced Stage critical illness from the effective date of the policy.
Self-inflicted injuries, suicide, or complications from HIV/AIDS (except under specific covered cases).
Any critical illness resulting from directly from alcohol or drug abuse.
Any critical illness resulting from congenital conditions or deformities including hereditary conditions
Taking part in any flying activity other than as a passenger in a commercially licensed aircraft
Not surviving at least seven (7) days after diagnosis of critical illness
The insured refusing to consent to treatment or defying the advice of a special Physician
Any communicable diseases which require quarantine by law
Any illness, injury, or disability arising from unlawful or illegal act