BPI AIA launches affordable digital insurance protection with InstaProtect

BPI AIA launches affordable digital insurance protection with InstaProtect

Thursday, March 27

For only Php488.00 annually, this affordable and convenient insurance plan can protect families from financial shocks of sudden illness or accidents. Sa BPI AIA InstaProtect, abot-kamay ang panatag na buhay.

A new digital insurance plan, InstaProtect, is making financial protection accessible to more Filipinos than ever before. Developed by BPI AIA, the strategic alliance between Bank of the Philippine Islands and AIA Philippines, InstaProtect is a yearly renewable term plan offering simple and accessible coverage. Available digitally, it provides a convenient way for BPI customers to secure themselves and their families against life's uncertainties.

Starting at just Php488.00, the plan offers a range of easy-to-understand pre-defined packages catering to various needs, including life insurance, critical illness coverage, accident protection, and a combination of benefits. The one-time annual premium makes securing essential coverage even more accessible. This budget-friendly approach eliminates the complexity often associated with insurance, making it easy for anyone to find a coverage option that fits their budget.

“We are excited to offer another product that helps protect more Filipinos,” said Karen Custodia, Chief Executive Officer of BPI AIA. "We saw the success of PamilyaProtect, our first-of-its-kind affordable insurance made available via Messenger in 2022. Now, we have InstaProtect, a microinsurance that offers even greater value and provides more flexibility in terms of coverage and premium.”

Designed for the everyday consumer, InstaProtect makes purchasing life insurance simple and accessible—allowing anyone to apply in just minutes, directly from their phone, at their convenience. This innovative approach aligns with the company's commitment to leveraging technology to enhance customer experience and bring insurance within reach of more people.

InstaProtect is designed specifically for hard-working Filipinos, including those in entry-level positions, gig economy roles, and those who are the primary financial providers for their families. Whether you're a cashier, a sales associate, a content creator, or a teacher, InstaProtect offers a simple and budget-friendly way to secure a financial future.

"We believe that financial security should be a right, not a privilege," Custodia added. "This plan offers a simple, budget-friendly, and straightforward way for Filipinos to protect their loved ones, knowing that a sudden illness or accident won't derail their financial stability.”

BPI AIA recognizes the financial vulnerabilities faced by many working Filipinos, especially those with families to support. InstaProtect aims to bridge the protection gap by offering an economical solution that fits within tight budgets. The product offers peace of mind, reflecting the core mission of making financial security accessible to everyone.

InstaProtect is now available and can be purchased through the BPI AIA website. Visit https://www.bpi-aia.com.ph/en/our-products/protection/instaprotect?cmpid=bpiaia-dm-ref-others-pr_ip2025 today and learn more about InstaProtect's flexible coverage and premium options, and secure your future.

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AZPNBL Supports a Secure Future for Creamline and Choco Mucho Volley Teams

AZPNBL Supports a Secure Future for Creamline and Choco Mucho Volley Teams

Saturday, September 14

As volleyball grows in popularity as a pro sport in the Philippines, it is important that the players and their coaches are protected with the right insurance plan that fits their active lifestyles. Allianz PNB Life (AZPNBL) helps to secure the future of the Creamline Cool Smashers and Choco Mucho Flying Titans with its eAZy Health coverage package. 

The eAZy Health insurance plan is the perfect policy for the teams because it can cover most of their potential health issues as professional athletes. It provides life insurance coverage with protection against critical illness, accidents, and disability. It is well-suited for their age group and profession, and it also offers access to AZPNBL Healthbox benefits. Healthbox is a one-stop-shop easy access to AZPNBL’s health, lifestyle, and wellness partners nationwide. Its benefits include medical consultations from the comfort of your home, health tests and preventive services for wellness, along with resources and services that offer support for a healthier lifestyle.

AZPNBL President and CEO Joe Gross says, “The Allianz commitment to supporting athletes has a long-term point of view, not only while they are still playing professionally, but also helping them secure their future when they retire as professional athletes. This plan was specifically chosen for the Creamline Cool Smashers and Choco Mucho Flying Titans because it assures them that health issues that may arise from their profession are covered, and at the same time they have life protection.”

The eAZy Health package is designed to be easy to understand even for beginners in financial planning. eAZy Health is also the first plan in the Philippines that can cover health conditions such as cancer, heart attack, stroke, and CABG (coronary artery bypass graft). What’s more is plan holders can get up to 30% cash back of the total premiums if no claims are made after five (5) years.

The support for the teams is also through the dedicated Life Changer who will help them throughout their financial well-being journey. Life Changers are Allianz financial advisors committed to helping clients secure their future by guiding them through their wealth accumulation and management, and well-being aspirations. 

Alandel Acero, Creamline Cool Smashers team manager, shares, “We are grateful for the generous contribution of Allianz PNB Life for the players and coaches, given that volleyball is physically demanding for the players and can be stressful to the coaching team. Through this partnership, coaches and players can now focus on what matters to them-- developing the athletes and playing at their best. This gift is a proof that Allianz PNB Life believes in the athletes, supports sportsmanship and is true to their dedication to the partnership with Rebisco.”

This is a very beneficial partnership, adds Rollie Delfino, Choco Mucho Flying Titans team manager, as he says approximately 90% of their team members have become financially mature and are investing in their future as a result. “All of them need to think about their future from an early stage. Just like how they prioritize their learning and their love for volleyball as individuals, it's also important for them to take their future and financial stability seriously. It's not just about the benefits that Allianz generously provides, but also about the wealth of knowledge in financial products that they share with the team to ensure a secure future.”

Delfino further says, “The team is privileged to be an Allianz partner, entrusted with the financial well-being of their players. Allianz is truly passionate about securing the future of athletes like Choco Mucho and Creamline. Now is the perfect time for them to start building their financial future. Their partnership with Allianz is an important journey towards financial stability.”

Confidence in Tomorrow 

The pro volleyball players say that the partnership between their teams and AZPNBL is game-changing. Creamline starter Michelle Gumabao gets candid about the protection and peace of mind that the AZPNBL eAZy Health package offers. “The very basic insurance plans don’t cover a lot of things. Now we have coverage that goes as far as death and critical illness. We can rest easier now because we have these kinds of benefits. I have been in the pro league for 11 years already, and no matter how careful we are, we don’t know what will happen in the future. It is reassuring that we are covered no matter what happens. I can play more confidently because we have a guarantee that we will be protected and there is help in case of an accident or injury.” 

Fellow volleyball star and Choco Mucho Team Captain, Maddie Madayag agrees, saying, “Life happens, and through all these things, you never know what can come and how much it’s going to cost you. In a snap you may be facing a health issue. It is very reassuring to have this kind of protection. I’m grateful that Allianz PNB Life introduced us to insurance.” 

Creamline star Bea De Leon adds, “It’s very reassuring to have this kind of coverage because you know you won’t be a burden to your family. As athletes, it is important that we live our lives thinking of our health, so I am thankful to Allianz PNB Life for the eAZy Health coverage, it allows us to continue doing what we love to do, with less worries. Knowing that you will be protected even as things might change in the future gives you peace of mind.”

Like the volleyball stars of Creamline and Choco Mucho, start securing your worry-free future with eAZy Health. For more information, visit www.allianzpblife.ph.

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Securing the Future of OFW families through Sun Life’s Shine Pinoy Program

Securing the Future of OFW families through Sun Life’s Shine Pinoy Program

Wednesday, July 31

Overseas Filipino Workers (OFWs) exemplify a different kind of resilience, dedication, and hard work as they strive to provide for their families back home. Recognizing their sacrifices, Sun Life Philippines is keeping its commitment to help OFWs achieve the brighter life through the Shine Pinoy Program, an initiative designed to support OFWs in realizing their financial goals for them and their loved ones.

The Shine Pinoy Program takes care of OFWs at every stage of their journey — from the moment they embark on their career overseas up until their retirement back home. With a focus on insurance and investment solutions tailored specifically to the needs of OFWs, the Shine Pinoy Program provides a roadmap for financial success and security.

For OFWs venturing abroad for the first time, Sun Life offers guidance through investment options that lay the foundation for a secure future. Seasoned OFWs, on the other hand, can benefit from the program’s insurance solutions. Whether they need a plan for their children's education or to access quality healthcare, Sun Life is dedicated to helping OFWs have peace of mind even if they’re far away from home. Retiring OFWs can pursue their personal passions through the Shine Pinoy Program, as it provides the financial security they need to turn their dreams into reality.

A recent SatisFIND study which was commissioned by Sun Life revealed that a big population of OFW market has yet to secure a life insurance policy. While there is openness among non-policyholders, hesitation in acquiring insurance benefits persist. In the aim of building public trust, Sun Life leverages the expertise of its financial advisors who serve as trusted partners for OFWs to keep them assisted throughout the entire process. From initial consultation to processing and beyond, Sun Life's advisors are committed to providing personalized support and ensuring that policy holders understand the value of insurance.

"Sun Life Philippines is proud to launch the Shine Pinoy Program, cementing our dedication to helping OFWs and their families achieve financial success," said Cary Casipit, Client Segment Marketing Head at Sun Life Philippines. "Through comprehensive plans and investment solutions targeted specifically to the needs of OFWs, we aim to help them achieve their goals and secure a prosperous life for generations to come."

For more information about the Shine Pinoy Program and how Sun Life Philippines is empowering Overseas Filipinos, visit Sun Life Philippines’ official website.

*Disclaimer: Those interested in availing of Sun Life insurance and investment products may do so before leaving the country to work abroad, while you are in the Philippines, or as a returning resident.

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Protect your pets from the risks of changing weather with Igloo’s Pet Insure

Protect your pets from the risks of changing weather with Igloo’s Pet Insure

Thursday, June 20

We’ve all been victims of the changing weather–where shifting from hot to cold leave us scrambling for comfort and protection and often challenges our immune system to keep up. It’s the allergies, flu, and colds that catch us off guard.

But did you know that the same weather-related temperature changes pose challenges for our pets, too? Just like us, they can suffer from seasonal allergies, respiratory issues, and discomfort due to sudden shifts in temperature. It's important to be mindful of their needs and take steps to ensure their well-being during these unpredictable weather patterns.

So for pet parents who want to be on top of their pet’s comfort and health in these conditions, here are some tips to keep in mind.

Ensure that they have climate-appropriate shelter

Just like us, your pet needs to have a comfortable place to rest that suits the weather–warm and cozy during cold spells, and cool and shaded during hot days. Additionally, it's essential to ensure that your pets are well-suited to thrive in tropical climates like the Philippines as some breeds like dogs such as pugs and chow-chows are more prone to respiratory issues and heat strokes. 

Keep them well-fed and hydrated

Giving your pets a nutritious diet that supports their immune system can help them stay healthy and resilient against weather-related illnesses. And of course, never forget hydration. Keeping your pets well-hydrated during hot weather to prevent dehydration and heat stroke.

Exercise wisely

A pet’s health is also closely tied to how much exercise they can do regularly. However, it’s important to adjust exercise routines based on the weather–avoid intense activities during extreme heat or cold. A good rule of thumb is if it’s too hot for your feet, it’s too hot for their paws.

Stay on top of their grooming

Maintain regular grooming to keep their coat in good condition, which can help regulate their body temperature. Never shave your pet's coat too short, especially in hot weather, as it can expose their skin to sunburn and other risks.

Be vigilant for signs of health problems

Be vigilant for signs of allergies, such as excessive scratching or sneezing, and consult your vet if these symptoms appear. Specifically for the Philippines where most of the time it’s either hot or hotter, even when it's the rainy season, it’s important to know the symptoms of overheating in pets which include excessive panting or difficulty breathing, drooling, or increased heart and respiratory rate.

Consider investing in pet insurance

With the weather and temperatures constantly changing, it’s essential to have financial protection in place for unexpected veterinary expenses. 

Regional insurtech Igloo, understanding how important it is to keep your pets healthy and your finances secure, developed Pet Insure in partnership with Malayan Insurance and GCash. Pet Insure is a tailored non-life insurance product designed to safeguard the health of dogs, regardless of their breed. This product empowers dog parents to address their fur babies' needs comprehensively, from emergencies to accidents.

It provides a three-in-one coverage package, including medical reimbursement for veterinary care up to a maximum of P100,000, owner's liability coverage of up to P250,000, and a personal accident cover for dog owners worth P50,000. All of this is available for as low as P650 for a one-month coverage period through the GCash GInsure marketplace.

As responsible pet parents, it’s essential to keep on top of any changes in your pets' health and behavior, especially with weather changes. Being a little bit more vigilant and being prepared for any emergency can make a significant difference in keeping your furry friends healthy and happy all year round.

Learn more about Pet Insure by clicking this link.

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Filipino Consumers See Managing Healthcare Costs as Critical for Financial Well-Being in Later Life, Manulife Survey Shows

Filipino Consumers See Managing Healthcare Costs as Critical for Financial Well-Being in Later Life, Manulife Survey Shows

Wednesday, June 12

A healthy lifestyle and good physical well-being are the essential elements for positive financial and mental well-being among consumers in the Philippines as they plan for longer lifespans, and lengthier and more comfortable retirements, according to new research by Manulife. Yet financial confidence among Filipinos is low amid concerns about inflation, particularly rising healthcare costs.

Manulife’s new Asia Care Survey 2024 drew on responses from 1,050 consumers in the Philippines. It launched Manulife’s MyFuture Readiness Index, which measures how consumers view their current and future physical, mental, and financial well-being. On a scale of 1 to 100, the index shows their desired readiness level to be 91, which is above the regional average, but the expected level to be 79, suggesting a lack of confidence about the future.

According to the Filipinos surveyed, the top five challenges impacting confidence in their future well-being are: rising healthcare costs (82%), inflation/rising costs of living (81%), economic slowdown/recession (78%), increasing interest rates (78%) and health trending down (73%). 

To help save and prepare for their envisioned future, including for greater longevity, retirement and unexpected medical needs, the Filipinos surveyed highlighted having a passive income after retirement (43%), having sufficient savings for a rainy day (39%), financial freedom in retirement (32%) and having enough savings for healthcare needs (31%) as their main financial goals.

“The survey reveals a lot of anxiety around economic volatility, healthcare-related expenses and uncertainty, which dampens the optimism of many Filipinos in achieving high-quality well-being in the future,” said Rahul Hora, President and CEO, Manulife Philippines. “But there are ways to address these concerns so they are future-proofed. Significant of these is the value of financial advice and guidance that can help them assess and bring their goals closer to fruition, mitigate risks, and find the right products that provide stronger health and life protection, as well as investment and retirement solutions.” 

Healthcare costs perceived to be too expensive

In the survey, 82% cited rising healthcare costs as a top threat– a percentage that rises to 86% among 50 to 60-year-olds. Their concerns are understandable given that 44.7% of health expenses in the Philippines are out-of-pocket, in total reaching US$9 billion in 2022.[1] It is an amount that Manulife expects to reach US$13 billion by 2028 and account for 38% of their overall medical expenses. 

“We see in the Philippines a realization of longer life expectancy and people rightly want to enjoy good health for a longer time. Healthcare costs trump inflation as their main concern for the future, with women being in general more concerned than men,” said Hora. “To navigate this, there is a need for effective financial planning. It is fair to expect medical costs to rise faster than inflation given aging populations and increased pressure on healthcare services, but our survey suggests that perceptions on the extent of such rises are well above actuality.” 

The survey shows that over the past 12 months, the perception of the Filipinos surveyed on healthcare cost inflation was 32%, the highest in the region (average 23%) and around three times the actual rate[2]. Most respondents (61%) are concerned about the rises in cost of prescriptions, while 59% of them are worried about hospitalization, and 45% about preventive healthcare. Curiously, elderly care (16%) is much lower. 

The potential illnesses that worry people in the Philippines the most are heart disease (46%), the leading cause of death in the country[3], diabetes (42%), stroke (34%) and cancer (31%). With the broader concerns about their physical well-being and rising medical costs, 78% of the respondents agree that increasing insurance coverage and benefits for inflation is a crucial part of planning for my future financial well-being. 

The findings show a sizeable segment adopting a strategy of using less expensive healthcare (41%) services and medicines (53%), well above the regional average of 31% and 29% respectively. According to the survey, this would typically mean using government health services and generic drugs, rather than going private. Alongside that, about three quarters are exercising more or improving their diet.

Children no longer viewed as alternative to a pension

Across all the markets covered in Asia, 7 out of 10 of those surveyed said they feel health benefits and coverage from their employers are not enough. In the Philippines, it was a little higher at 76%. As things stand, 78% of the Filipinos surveyed feel a need to top up retirement and pension benefits they receive from their employers to boost their future financial well-being. In addition, 58% are looking to delay retirement because of their financial responsibility for their family.

Traditionally in Asia and elsewhere in the world, an alternative to insurance and a pension for old age would be having children. But that is not the case now in the Philippines where 58% of the Filipinos surveyed disagree that children are great investments because they provide support in old age. Only Japan had a higher rating at 70%. In the markets covered, half those surveyed said they do not plan to have kids. The average number of children wanted by Asians is 1.6. In the Philippines, the preferred number is 1.8.

“We encourage more Filipinos to consider ways to increase their health protection. At the same time, insurers have an important role in helping them do that, including changing perceptions on health costs and focusing on specific individual needs. There’s a need also for greater financial literacy,” said Hora. “Doing that will enable everyone to focus on ways to effectively address the challenges on health protection and long-term savings that exist.”

To help address the unique needs of Filipinos when it comes to their health, well-being and finances, Manulife Philippines offers a suite of innovative insurance and investment solutions that can help them financially prepare for the future, while ensuring life and health protection coverage in case of the unexpected. 

About the Manulife Asia Care Survey 2024 

In its fifth year running, the latest Manulife Asia Care Survey was conducted in January and February 2024 via online self-completed questionnaires in eight markets. A total of 8,400 individuals, evenly split between men and women, aged 25 to 60 years old were surveyed: mainland China (1,052), Hong Kong (1,052), Indonesia (1,063), Japan (1,000), Malaysia (1,038), Philippines (1,050), Singapore (1,038) and Vietnam (1,107). Each of those surveyed either owns insurance or intends to buy insurance. For more info, visit www.manulife.com.ph

[1] The Country’s Total Health Spending, Philippine Statistics Authority, August 20, 2023. Last Accessed June 6, 2024 

[2] 2024 Global Medical Trends Survey, November 2023. Last Accessed June 6, 2024

[3]2023 Causes of Death, Philippine Statistics Authority, February 2024. Last Accessed June 6, 2024

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InLife campaigns for an Un-sandwiched Generation

InLife campaigns for an Un-sandwiched Generation

Wednesday, May 29

Leave and cleave.

This normally refers to a husband and wife leaving their respective families in order to form their own family. Furthermore, it means prioritizing the new family’s needs over those of their respective families. In the Philippines, however, it is a common practice to support one’s parents and siblings while building one’s own family. This is what the Sandwich Generation is about.

The “Sandwich Generation” is a term that defines a group of individuals who find themselves responsible for looking after their parents, while simultaneously trying to raise their own family. A growing number of Filipinos, between their early 20s to early 50s, now comprises this group, which is estimated to be in the millions.

While this phenomenon is a global issue, the Philippines’ Sandwich Generation finds itself with more pressing challenges.

Due to cultural and societal factors, many Filipinos not only take care of their parents but also family members from the previous generation (grandparents, uncles, and aunts). They are raising their own families and at the same time, helping their extended family. It is common to hear of Pinoys who must financially take care of nephews and nieces and other younger relatives.

InLife: The Un-Sandwiched Generation Campaign

InLife, the country’s first and largest Filipino life insurance company, has taken notice of the Sandwich Generation’s challenges prompting it to launch a campaign to aid the Filipino Sandwich Generation “Un-sandwich” their lives.

Called InLife: The Un-Sandwiched Generation, the new project aims to empower the Pinoy Sandwich Gen with resources and tools for financial planning and management, education planning, caregiving resources, mental health and self-care, and insurance knowledge, among others. Anyone may access these information through different channels, among them, a new microsite within the InLife website, guides, webinars, podcasts, and other forms of content.

According to InLife Chief Marketing Officer Gae L. Martinez, this is InLife’s long-term commitment to be there for the Sandwich Generation. It is a massive challenge but something InLife is more than willing to undertake.

“The InLife Sandwich Generation campaign is our way of acknowledging the amazing strength and resilience of these unsung heroes of society who balance the responsibilities of taking care of their elders while also taking care of the younger generation. This initiative is our promise to stand by the millions of Filipinos who are part of the Sandwich Generation. We want to help them un-sandwich themselves and future generations and be able to live A Lifetime for Good.”

The InLife Product Ecosystem

The campaign also seeks to highlight how financial literacy and planning for the future can help Filipinos free themselves from this cycle but still be able to help their elders while ensuring a good future for themselves. One of the solutions is by taking out insurance products designed to address the different challenges a person will likely encounter in the future.

InLife’s Abundance, for instance, is a savings and insurance plan payable in either five or ten years and gives guaranteed cash payouts for 20 years or until the age of 65 regardless of market conditions when they become due. The guaranteed cash payouts are equal to 10% of the sum insured and paid every two years starting at the end of the 7th policy year for the 5-pay, and on the 11th year for the 10-pay variants until the plan matures. These cash payouts may be set up as a nest egg so the insured will have a ready source of funds when they reach retirement age.

InLife’s Resilience is a critical illness plan that provides life insurance and guaranteed lump sum cash upon diagnosis of a critical illness, aside from other additional health benefits. Resilience serves as a cushion against potential huge medical bills that could have a major impact on the family’s finances.

Wealth Assure Plus, on the other hand, provides a versatile and flexible way of combining life protection and investment, allowing them to tailor their financial plans based on their needs and budget.

“InLife’s product ecosystem is designed to address the pivotal financial milestones of Filipinos. We offer a roadmap to navigate this challenging journey. With this approach, we provide a lifeline that will help them un-sandwich themselves and liberate them from the pressures of multi-generational financial responsibilities and give them the financial independence not just for themselves but also their loved ones,” Martinez shared.

Members of the Sandwich Generation may get more information on customizing solutions to their needs by visiting https://www.insularlife.com.ph/insurance-for-individuals.

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Sun Life Grepa Celebrates 70 Years, Aims to Provide Insurance for Every Filipino Family

Sun Life Grepa Celebrates 70 Years, Aims to Provide Insurance for Every Filipino Family

Tuesday, March 12

Sun Life Grepa Financial Inc. (Sun Life Grepa), a stalwart in the Philippines' life insurance industry, marked its 70th anniversary with a celebration themed "A Journey to Brighter Futures" at the YSpace in Yuchengco Museum, Makati City. This milestone event showcased Sun Life Grepa's commitment to change and innovation, focusing on addressing the evolving trends and challenges within the industry.

The life insurance industry in the Philippines is adapting to new technologies and cultivating partnerships to maintain relevance in a rapidly changing landscape. Sun Life Grepa, along with key partners like Sun Life Philippines, is at the forefront of this transformation.

Riza Mantaring, Sun Life Grepa board director, highlighted the challenges faced by the industry, emphasizing the low insurance penetration rate of below two percent in the Philippines. She attributed this to the slower growth of the industry compared to the gross domestic product (GDP) and Filipinos' limited awareness of the value of life insurance. Mantaring stressed the need for changes in client behavior, legislative support, and government enforcement to propel industry growth.

Benedict Sison, CEO and Country Head of Sun Life Philippines, emphasized the importance of client preferences in determining successful disruptions within the insurance industry. The celebration explored how Sun Life Grepa is leveraging innovation to cater to the diverse needs of its clients.

Richard S. Lim, President of Sun Life Grepa, expressed the company's commitment to realizing the vision of Ambassador Alfonso Yuchengco – making life insurance accessible to every Filipino family. Lim outlined the company's goals, including providing easier access to affordable life and health insurance coverage through strategic partnerships. He highlighted Sun Life Grepa's market-responsive products designed to address specific needs in areas such as health and wealth building.

Lim shared Sun Life Grepa's plans for the future, emphasizing a strong focus on nurturing client relationships through the integration of new technologies, including data analytics. As the incumbent president of the Philippine Life Insurance Association (PLIA), Lim is dedicated to advancing the industry's growth and contributing to building a healthier and financially secure nation.

As Sun Life Grepa celebrates 70 years, it envisions a future where life insurance becomes an integral part of every Filipino family's journey. With a commitment to innovation, strategic partnerships, and client-centric approaches, Sun Life Grepa aims to play a pivotal role in shaping a brighter and more secure financial future for the nation.

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Explore Love and Self-Discovery in 2024: Must-Visit Places from Your Favorite Filipino Movies

Explore Love and Self-Discovery in 2024: Must-Visit Places from Your Favorite Filipino Movies

Monday, January 22

As we step into the new year, it's the perfect time to map out your adventures for 2024. If 2023 was all about Revenge Travel to make up for lost time, 2024 is being hailed as the year for more personal travels. Booking.com's Travel Predictions for 2024 suggest a shift towards journeys motivated by a quest for deeper connections and self-discovery.

If you’re already planning your travels to find love or find yourself and need a little inspiration on where to go, here are some Filipino films that not only brought compelling stories of love but also highlighted how the destination itself (and the journey of getting there) is sometimes all that one needs to find what they’re looking for.

“Traveling is all about personal experiences. Whether you're with friends or going solo, there's always something special you discover along the way, giving you unique moments and memories. As a regional insurtech, we at Igloo, are all about providing people-first insurance services and making sure everyone can have those amazing experiences without dealing with the hassles that can mess up trips. This is why we created Travel Master, because we want to provide our travelers a stress-free experience and let them enjoy the best adventures without any interruptions,” said Mario Berta, Igloo Philippines Country Manager. 

Developed in collaboration with GCash and Malayan Insurance, Travel Master offers coverage for travelers, encompassing personal accidents, flight delays, lost luggage, emergency medical treatment, hospital cash allowance, travel inconvenience benefits, and protection against COVID-19.

To get Travel Master coverage, just go to the GInsure page in your GCash app. Choose Travel and select Travel Master. Fill out the form with your travel info, and it'll quickly show you the coverage benefits and the premium cost. Once that's done, you're good to go.

Whether you're heading out locally or internationally, Travel Master is there for you, making it a flexible and essential travel companion wherever your journey takes you.

Pagudpud, Ilocos Norte - Broken Hearts Trip (2023)

Maira-ira beach, Pagudpud, Ilocos Norte/ Source: Blue Lagoon Inn and Restaurant, Klook

One of the entries for this year’s Metro Manila Film Festival (MMFF), Broken Hearts Trip, is a story about five LGBTQ individuals who are given the chance to heal from their heartbreaks as they journey across the Philippines. One of the spots they explored is Pagudpud in Ilocos Norte, often referred to as the "Boracay of the North." Accessible via land and air, Pagudpud is famed for its stunning beaches, including Maira-ira (commonly known as Blue Lagoon), Saud, and Pansian. These beaches boast white sands and emerald waters, making them an ideal retreat for those seeking solitude with their thoughts or desiring more intimate moments with loved ones as unlike other Filipino beach destinations, Pagudpud tends to be less crowded, offering a tranquil escape.

Fujiyoshida City, Japan – When I Met You in Tokyo (2023)

Chureito Pagoda, Fujiyoshida City, Japan/ Source: Japan Guide

Another entry from this year’s MMFF brings us not only a tale of finding love at the most unexpected times but finding love in some of the most beautiful places in the world. In When I Met You in Tokyo, two old hearts–one battered and bruised and one lonely and seeking comfort–find each other in Tokyo. While much of the story took place in the Japanese capital, the film also took its audience to Fujiyoshida City and the famous Chureito Pagoda, basking in the majestic view of Mount Fuji. A 2-hour train ride from Tokyo, the city offers spectacular views of the mountain. The best time to visit is either during the cherry blossom season in mid-April or in the first half of November to experience the changing colors of autumn. Here, like the stars of When I Met You in Tokyo, you may be able to find healing from past hurts and discover new beginnings against the backdrop of one of the most beautiful sights in the world.

Sagada, Mountain Province - Write About Love (2019)

Sagada, Mountain Province/ Source: Gem Muzones, Guide to the Philippines

In Write About Love, an aspiring writer sought help from a veteran yet disillusioned indie film writer to complete an unfinished script for a love story. Their collaboration eventually led them to a pilgrimage to Sagada, where upon seeing the magnificent sunset and sea of clouds, allowed the two writers to reconcile their personal issues and figure out the ending for their own love stories. For travellers who want a little more adventure and don’t mind putting in the work just to experience breathtaking views, there’s Sagada. A small town in the mountains of Mountain Province, Sagada requires more than a half day’s ride from Manila and another couple of hours trekking to get to the top of Marlboro Hills, the highest point of the town and provides an unobstructed view of sunrise and a sea of clouds.

San Juan, La Union - I’m Drunk I Love You (2017)

San Juan Beach, La Union/ Source: La Union Tayo.com.ph

A beloved romantic drama film, I’m Drunk I Love You is all about taking the chance before it’s too late. The movie revolves around two college best friends who embarked on a final road trip to San Juan, La Union, aiming to determine if their bond will remain platonic or evolve into something more. While La Union, also known as Elyu, has earned its reputation as one of the Philippines' top surfing spots, "I'm Drunk I Love You" shines a spotlight on the town's laid-back yet vibrant atmosphere. Here, bars resonate with reggae beats, serve delectable food, and are adorned with eclectic decorations reflecting both local and foreign influences.

Beyond the shoreline (surprising as it may sound), you can explore more of La Union's natural beauty by trekking to the impressive 40-feet high Tangadan Falls. With its unique blend of attractions, it's no wonder La Union has become a go-to destination, providing a comforting retreat for many travelers.

Barcelona, Spain - Barcelona: A Love Untold (2016)

Park Güell, Barcelona/ Source: Getty Images, Conde Nast Traveler

Set within the romantic and vibrant city that is Barcelona, Barcelona: A Love Untold is about two people each carrying their own emotional baggage, viewing the city as either a distraction or a chance for a fresh start. Amid the colorful ambiance of the capital of Catalonia, it becomes the setting for two people seeking different things but irresistibly drawn to each other. With Barcelona’s vibrance, it's no wonder that so many people come to immerse themselves in its rich culture. From the stunning mosaics of Park Güell to the timeless art at the Picasso Museum, there's an abundance of beauty to explore and enjoy. Barcelona is not just a city to appreciate art and culture; it's also an ideal place to discover love or realize that, like Gaudi's Sagrada Familia, you're also a beautiful work-in-progress.

Learn more about Travel Master by visiting the GCash GInsure Marketplace and ensure that your trips to find love or find yourself are seamless and hassle-free.

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Comprehensive Protection: Exploring the Range of M Lhuillier Insurance Products

Comprehensive Protection: Exploring the Range of M Lhuillier Insurance Products

Monday, December 4

In an unpredictable world, safeguarding your financial future is paramount. M Lhuillier, a trusted name in financial services, extends its commitment to security through a diverse range of insurance products. From life to health and everything in between, M Lhuillier Insurance has you covered. Here's a list of insurance offerings provided by M Lhuillier, highlighting the key features that make them stand out in the competitive landscape.

Life and Non-Life Insurance for Peace of Mind

M Lhuillier understands the importance of securing the financial well-being of your loved ones in the event of unforeseen circumstances. Their life insurance policies offer comprehensive coverage, ensuring that your family is financially protected in your absence. With flexible premium options and various coverage levels, M Lhuillier makes life insurance accessible and tailored to your unique needs.

M Lhuillier has partnered with AIA Philippines, Paramount Life & General Insurance Corp., MAA General Assurance Philippines, Inc., and PhilLife Financials.

Health Insurance for a Healthy Tomorrow

Health is wealth, and M Lhuillier's health insurance plans are designed to preserve both. These plans cover a spectrum of medical expenses, in case of accident, including hospitalization, surgeries, and other healthcare needs. M Lhuillier prioritizes your well-being, providing affordable and customizable health insurance options that cater to different lifestyles and preferences.

For an affordable rate of only P150 for an adult ages 21-59, M Lhuillier's Dengue RX Insurance gives you a coverage of up to P30,000/year for hospital expenses reimbursement due to dengue. The annual premium for a child ages 0-20 is P500. This is bundled with a personal accident coverage of up to P10,000.

ER Guard and ER Guard Plus are emergency treatment and care insurance that is valid for one year and one time use only.

ER Guard is priced at P970 with coverage up to P20,000. This is an outpatient package which includes 

- Physician's Services- Emergency Room Fees

- Medicines used for immediate relief & during treatment

- Oxygen, intravenous fluids & blood products*

- Dressings, plaster casts, sutures, & other medical supplies

- Laboratory, X-ray, & other diagnostic examinations directly related to the emergency management of the patient

- Initial treatment of animal bites, cost of vaccines limited to passive & active vaccines for anti-tetanus, anti-venom, & anti-rabies**

ER Guard Plus is priced at P3,315 with coverage up to P50,000. It has the same outpatient services provided by ER Guard PLUS and inpatient care which includes

- Room & Board (Ward) accommodation in case of confinement due to emergency care, including the use of ICO, OR, Recovery, & Isolation Rooms

- Professional fees

- Standard Nursing fees

- Medication during confinement

- Blood product transfusions

- Oxygen & its administration

- Routine procedures

- Diagnostic procedures

* except gamma globulin, immunoglobulin

** initial treatment covered for the first 24hrs. from the time of bite subject to ABL; cost of vaccine up to ₱2500 as first dose only

If you wish to avail of a medical consultation without leaving the comfort of your home, Mediphone is the perfect virtual medicine assistance product for you. For only P250 and valid for a year, you are entitled to unlimited medical consultation via phone, chat, or app per month. It also Includes personal accident insurance coverage up to ₱25,000.

Personal Accident Insurance for Life's Uncertainties

In the hustle and bustle of our daily lives, unforeseen events can occur at any moment, often catching us off guard. Accidents can happen when we least expect them, causing not only physical and emotional distress but also financial burdens. Personal accident insurance serves as a crucial safety net in such situations, offering protection and peace of mind during life's unexpected twists and turns.

M Lhuillier's Family Protect, Pinoy Protect Plus, and Family Protect Plus focuses on providing financial support for the principal and their beneficiaries in the aftermath of an accident.

Vehicle Insurance for On-the-Road Security

Whether you're a seasoned driver or a new road enthusiast, M Lhuillier's vehicle insurance policies offer protection for your vehicle and peace of mind for you. These policies cover damages, theft, and liability, ensuring that you can navigate the roads with confidence. With various options for various types of vehicles, M Lhuillier's Comprehensive Motor Insurance is a reliable choice for every driver.

Travel Insurance for Wandering Wisely

Embarking on a journey, whether for business or leisure, is an exciting adventure filled with new experiences and discoveries. However, the unexpected can happen at any time, potentially turning your dream trip into a nightmare. This is where travel insurance comes to the rescue, offering a safety net that ensures your peace of mind while you explore the world. M Lhuillier's Global Travel Protect Insurance is an essential companion for every globetrotter.

This comprehensive cashless travel insurance package is set to redefine your travel experience. In collaboration with Ibero Assistencia of Spain, renowned for its global travel insurance solutions, Paramount GTP Premium ensures that wherever you go, medical and travel assistance are just a heartbeat away.

OFW Balik Manggagawa Insurance for our Modern Day Heroes

Working abroad as an Overseas Filipino Worker (OFW) is a courageous pursuit, but it comes with its own set of challenges and uncertainties. OFWs deserve comprehensive protection that extends beyond borders. Enter OFW Balik Manggagawa Insurance – a tailored safety net designed to safeguard the well-being and financial security of our modern-day heroes. 

Migrant Workers and Overseas Filipinos Act of 1995 where the Philippine Overseas Employment Administration (POEA) required all agency hired workers to be covered by a compulsory insurance policy to protect the welfare of our OFW kababayans.

M Lhuillier Insurance stands as a reliable partner in securing your future. With a commitment to providing accessible, customizable, and comprehensive insurance solutions, M Lhuillier ensures that you can face life's uncertainties with confidence. Explore their range of insurance products at https://mlhuillier.com/insurance/ and take the first step towards a more secure and protected tomorrow.

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Foodpanda Logistics & Chubb Partner for Enhanced Ka-panda Safety: Free Insurance Program Boosted

Foodpanda Logistics & Chubb Partner for Enhanced Ka-panda Safety: Free Insurance Program Boosted

Monday, October 23

foodpanda logistics has teamed up with Chubb, a global insurance provider, to enhance the safety and security of Ka-panda delivery partners with an improved free insurance program. 

Under this partnership, foodpanda logistics delivery partners can enjoy a comprehensive insurance coverage that goes beyond their existing protections. “This move aims to provide greater peace of mind and security for our Ka-pandas who tirelessly deliver food to customers everyday,” said foodpanda logistics President Lhecks De Castro. 

The most notable improvement in the enhanced insurance program is the extension of coverage duration. Ka-pandas will be safeguarded throughout the entire duration of their work session, offering them protection from unforeseen accidents that could occur while they are on the road.

“Previously, delivery partners were only covered while handling live orders. Now, aside from covering accidents, medical expenses, burial costs, and daily hospital income, the new insurance coverage protects them during their entire delivery session,” announced De Castro. 

Making support & assistance accessible for Ka-pandas

In addition to Chubb, foodpanda logistics has also collaborated with government agencies like Philippine Health Insurance Corporation (PhilHealth) to encourage Ka-pandas to access government-mandated healthcare benefits as individual contractors.

This, along with other support, is being introduced to Ka-pandas nationwide through the pandaPatrol: Hub on Wheels, a foodpanda-branded bus that visits different provinces and cities to engage with delivery partners. 

“This partnership with Chubb is only one of our ways to show our shared commitment to the safety and well-being of delivery partners,” continued De Castro. “With this comprehensive coverage, we aim to provide our Ka-pandas with the reassurance they deserve while they continue to deliver customer orders and support their families.”

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