BPI AIA launches affordable digital insurance protection with InstaProtect

BPI AIA launches affordable digital insurance protection with InstaProtect

Thursday, March 27, 2025

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, 2024

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, 2024

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, 2024

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, 2024

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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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, 2024

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 04, 2023

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, 2023

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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From dreams to legacy: The inspiring story of a son’s plan B

From dreams to legacy: The inspiring story of a son’s plan B

Monday, September 18, 2023

Tuloy ang pangarap kapag may Plan B! 

Seafarer Jerome started his financial Plan B in the form of a life insurance plan to protect his parents in the province, who depended on him. Like Jerome, learn how BDO Life can help you prepare for life’s uncertainties. See how Plan B can work for you by watching this video.

Born and raised in a humble fishing village, Jerome's fascination with the sea began at a young age. Spending countless afternoons by the shore, he would dream of exploring the world beyond the small island he called home. He witnessed how hard his parents worked to make ends meet; his father was a fisherman while his mother sold the day’s catch in the local market. Jerome was determined to chart his own course and provide for their needs.

After completing high school, Jerome was certain about his calling—to become a seaman. The idea of roaming around the world on a mighty ship, coupled with the opportunity to financially support to his parents, fueled his ambition. At 24, Jerome signed up for his first work contract as a seafarer.

Driven by a sense of duty and love for his family, Jerome dedicated himself to his calling. Every month, he would send funds to his parents to help build a small backyard hog raising business. During breaks in between contracts, Jerome would spend time with his parents and see how his hard work has resulted in developments at home. He would also help them in their day-to-day tasks, such as fixing the house, accompanying his mother to her medical appointments, and shouldering household expenses.

One day, after accompanying her mother to her check-up, Jerome offered to fix an electrical wire in the pig pen for his father. Sensing that his son was capable to get the job done, Jerome’s father proceeded to rest. It had been a humid afternoon. 

As Jerome worked on the electrical wiring, it started to rain. He didn’t notice that one end of the exposed live wires fell into a puddle which he accidentally stepped on. Jerome was fatally electrocuted. His father found him unconscious on the floor moments later. He was rushed to the nearest provincial hospital but failed to make it there alive. 

Unknowingly, Jerome had prepared for this tragedy. Three years earlier, he visited the neighborhood BDO branch, where a BDO Life Financial Advisor convinced him to take out a life insurance plan with long term savings. He had long wanted to start a long term savings program but didn’t quite know how best to begin. This was something he could leave behind for his parents if anything were to happen to him while at sea, or something for himself after he bids goodbye to his sailing years.

His parents were devastated. They have always been proud of their boy—the loving, generous, and responsible son that he was to them. Jerome had always dreamt of expanding their family’s modest piggery venture. He had also dreamt of putting up a small sari-sari store for his mother. “So that you will always have money of your own even after I get married,” he used to say.

As he intended it, Jerome’s life insurance proceeds went to expanding his parents’ micro piggery business and starting the sari-sari store for his mother.

Jerome's story is a testament to the power of hope and honor. It underscores the importance of having a Plan B to safeguard the future of those who are financially reliant on their breadwinners. 

As in Jerome’s case, BDO Life’s insurance policy can provide security and peace of mind, at every stage of life. For more information on life insurance and investment solutions, please visit a nearby BDO branch or www.bdo.com.ph/bdo-life.

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Super Pets Club Caravan: For the love and paw-tection of furbabies

Super Pets Club Caravan: For the love and paw-tection of furbabies

Friday, September 15, 2023

BDO Insure, SM Super Pets Club, and Pioneer Insurance embarked on the Super Pets Club Caravan across various SM Malls from August 12 to September 3, 2023. The fun and educational mall tour encouraged fur families to enjoy booths, play games, and even join a pet parade around the mall. It culminated into conversations on how fur babies can be better protected through affordable and customizable pet insurance plans from BDO Insure.

For as low as P560, pet owners can insure their pets against accidental injuries and illnesses. They can even add benefits for extra coverage, such as reimbursement for covered illnesses, dental conditions, accidental death or euthanasia, pet owner liability, petnap, and emergency medical treatment during travel. Learn more about BDO Insure’s Pet Dog and Cat Insurance at www.bdo.com.ph/bdo-insure/personal/pet.

BDO Insure is a registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines. Clients can email at bdo-insure@bdo.com.ph or call at +63 (2) 8838-2364 or 1800-10-8382364 (Domestic Toll-free; available Mondays to Fridays, except holidays from 8AM-6PM). They can visit BDO branches where representatives are based.

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GCash provides inclusive financial products via GInsure

GCash provides inclusive financial products via GInsure

Thursday, July 20, 2023

Partners offer products eligible for LGBTQIA+ members all-year round

Even as the Pride Month has ended, GCash, the Philippines’ leading mobile wallet, is continuing to provide inclusive financial products all-year round through GInsure.

For as low as PHP60, same-sex couples can now have access to a wide selection of affordable insurance products through GInsure through its partners namely FPG Insurance, Singlife, Sun Life, and Generali. These companies allow LGBTQIA+ couples to easily designate their partners as beneficiaries for their chosen insurance coverage. This is also one of the many ways that GCash is helping enable its partner insurance companies to support the mandate of the Insurance Commission (IC) to allow policyholders to designate their same-sex partners as beneficiaries for their plans. 

“Love knows no boundaries; we are free to love and protect anyone and everyone. You can embrace a worry-free life, knowing we’ve got your back,” said GCash VP of New Businesses Winsley Bangit.

Access to inclusive insurance was also one of the key messages highlighted during GTalks: “Werk With Pride”, an event recently hosted by the leading e-wallet, in line with its core vision to make financial inclusion a reality for all.

Bangit discussed how GInsure provides accessible and affordable financial products and protection for all. 

“Here at GCash, our vision is “Finance for All” and we continue to look for ways to be more inclusive. That’s why we make availing of financial services easy and affordable for the millions of Filipinos that we serve. GInsure was launched in 2020 with the goal of democratizing access to insurance products, and to provide protection for all. We firmly stand by this belief and are further encouraged that the industry stakeholders are like-minded,” Bangit said.

The event was also attended by leaders from some of its key partner insurance companies namely FPG Insurance AVP Vinelle Haber and FPG Sales Officer Michael Taguidin, Singlife head of B2B2C Kame Amado, and Generali relationship business manager Glaudine Pelingon with Generali assistant manager Dainty Abriera. 

Even beyond Pride Month, GCash remains an essential tool for millions of Filipinos, regardless of their sexual orientation, gender identity, and expression, as it encourages everyone to achieve financial independence by providing easy, accessible, and inclusive financial services.

For more information about GCash and its advocacies, you may visit www.gcash.com or follow its official Facebook page @gcashofficial.

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Tips for new and seasoned pet owners on how to keep happy, healthy pets

Tips for new and seasoned pet owners on how to keep happy, healthy pets

Thursday, July 06, 2023

Filipinos adore having pets. With 79% of Filipinos being pet owners, it’s no surprise that they find joy in taking care of animals, whether they're of the feathered, furred, or even scaled kind. But beyond the joy of companionship and protection, pets offer a multitude of health benefits, including increasing opportunities to exercise and socialize and even alleviating feelings of loneliness, allowing pet owners to live healthier, happier lives.

Pets offer unconditional love to their families, and as such, it is every pet parent’s responsibility to ensure that their pets are also living their best and healthiest lives. So if you’re planning to be a first-time pet parent or a pet parent looking for tips on how to care for your pets better, here are some tips to take into consideration.

Ensure that your pet can thrive in the environment you’re in

Yes, pets are cute and are a joy to have around but the first step for any prospective pet owner is to gauge if the pet you want to take care of can thrive in the environment you’re living in. In the Philippines, that means looking for pets that can live in tropical climates.

For furry animals like cats and dogs, this means looking for breeds that have the right kind of coats and body structures. Otherwise, pet parents should invest in creating the right environment for their pets, including proper temperature regulation and ventilation.

Feed your pets food that’s proper and healthy for them

A responsible pet parent should always do research on what to feed their pets. Like humans, pets can have intolerances, allergies, and even food that are poisonous for them. It’s important to learn about what a proper, balanced diet is like for your pet and this can be done through research and through consultations with your veterinarian.

Exercise your pets

Pets need exercise, as this not only helps them burn their energy but also keeps them limber and mentally and physically healthy, as in the case of dogs. Just make sure that the type of exercise you give your pets is appropriate for them, as different pets and breeds require different kinds of exercise.

Keep up with their checkups and vaccinations

Taking care of pets is very much like taking care of ourselves–they need proper nutrition, exercise, and regular medical checkups. According to the American Veterinary Medical Association, all pets should receive a physical medical examination at least once a year. These visits include regular vaccinations and treatments to ensure that they are healthy, as unlike humans, pets may not be able to communicate or show outward signs of disease or injury–things a trained veterinarian can spot and provide treatment and guidance on.

Invest in pet insurance

Routine vet visits and even unexpected medical emergencies can put strain on a pet owner’s finances, which is why it’s important to consider getting a pet insurance product like Pet Insure,

Pet Insure is a customized non-life product specifically designed to protect the health of dogs no matter their breed, allowing dog parents to fully address the needs of their fur babies, including emergencies and accidents.

Regional insurtech Igloo, together with Malayan Insurance and GCash, created Pet Insure to afford owners convenience and security as it offers three-in-one coverage that includes medical reimbursement for veterinary care up to a maximum of P100,000; owner's liability coverage of up to a maximum of P250,000; and a personal accident cover for dog owners worth P50,000 for as low as P650 for a one-month coverage on the GCash GInsure marketplace.

Having pets is a huge responsibility, and every pet owner must recognize the importance of ensuring that their pets are healthy, thriving, and happy. Learn more about how Pet Insure can protect your pet here.

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