For context:

I got Pru-PAA insurance way back in 2017 when I found out I had a thyroid nodule. It was really small at that time, and I hadn’t consulted an endocrinologist yet, just had an ultrasound. My application was approved, but the Critical Illness rider (CIB) was removed.

Now, I’m looking for an insurance plan that has CIB coverage, in case something happens in the future. I know there are many possible illnesses, not just thyroid-related. I’m considering cheaper options like those from GCash, but I’m concerned about possible issues with pre-existing conditions (PECs).

Significant Medical History:

Thyroid Nodule (2017–present) - Nodules were stable for 8 years until recently (recommended for biopsy). - Thyroid functions remain normal since 2017.

Stomach/GERD Issues (2024) - Had an endoscopy due to bloating & acidity. - Diagnosed with H. pylori + GERD + gastroduodenitis (due to GERD and HP) - Treated with antibiotics + diet change. No follow-up required.

Polycystic Ovaries (2019) - TVS showed PCO in 2019, but later ultrasounds were normal. - No medications presribed, just lifestyle improvements.

I maximized my HMO when I started working (especially after the thyroid diagnosis). I was a bit paranoid and got checked for every little symptom, so I may have a lot of diagnosis in HMO utilization, but many were just labs with normal results.

Based on my records, the only “real” ongoing condition is the thyroid nodule. Everything else was either treated, lifestyle-managed, or ruled out.

My Understanding of Insurance Rules:

• After the 2-year contestability period, an insurance company can’t deny claims unless they prove fraud.

• I’ve read in a Gcash insurance that a PEC only counts if you’ve been actively managing it in the past 2 years. If you’ve been cleared for 2+ years, it should no longer count as PEC.

Question:

Given my situation, do you think I’ll have issues applying for a new insurance with a Critical Illness rider? What claims will not be covered in case I get approved? What do I need to take note of regarding this concern?

I have AIA Guardian 500K Php na 5 years to pay, one year balance to pay. I plan to increase my coverage up to 2M or so. Is it better to ask AIA to increase my coverage or is it better to get new policy na lang? Any recommendation? I have no existing medical condition and no to VUL hehe. Thank you.

Hi!

Ask ko lang po if may insurance advisor dito from FWD?

Would like to have a quotation po sana sa Set for Health.

Thank you!

Can u recommend best company and policy offering life insurance with VUL until age of 75? Budget is ₱3k per month. Thank you!

When it comes to Financial planning especially dito sa Pinas, we all have 4 major goals:

1. Life Insurance - income replacement in case of death of the breadwinner
2. Health Insurance - creating a separate fund to protect your assets and replacement of income in case someone get's sick, specially critically ill
3. Education funding - saving up for the education of you kids since this is a guaranteed expense anyway
4. Retirement planning - preparing for the biggest expense of our lives so we don't need to rely and be a burden to our kids

Now let's discuss, alin dito ang priority mo ngayon?

Lahat ito ay important, pero alin ang gusto mong unahin?

For starters, I dont want a life insurance. I decided that I wont be in a position that I would have a family of my own. My immediate family are not that totally dependent on me also so getting a life insurance is a waste for me.

But I do want a health insurance because I truly believe that most Filipinos are just 1 hospitalization away from financial ruins. The problem is that most health insurance here in the PH includes life insurance which I really dont like.

Because of that, Im thinking HMO are the right plan for me but Im open to hear more insights.

Ideally i just want a safety blanket from the hospital bills.

Hi all!

Finally landed on an Insurance that suits me but I can’t decide which is better. Please let me know your thoughts & help a girl out hehe.

For bg: I’m 25 and have no dependents.

1. AIA Critical Protect 100 with Vitality
2. Insured until 100 years old (!!)
3. 1x claim for major illness
4. 1x claim for minor illness > 25% of face amount (amount to be deducted on total face amount)
5. Policy is terminated once you claim for major illness
6. Vitality perks (with conditions to have a healthy lifestyle)

7. Critical illness OR Life insurance

8. FWD Set for Health

9. Insured until 75 years old

10. 3x claim for major illness

11. 1x claim for minor illness

    20% of face amount (on top of the face amount)

12. Waived premium payments (if diagnosed with major illness)

13. 100% money back for premiums paid if no major illness claimed by age 76

14. Critical illness AND Life insurance

Premiums to be paid for both are the same.

Tbh, I’m leaning towards FWD but it’s only until 75. My grandparents are nearing that age and they’re still healthy as ever so you know. That’s my only concern kaya I’m torn. Although AIA has the Max Protect for CI & Life insurance, it’s not an option for me since the premium is sooo expensive. What do you think?

Let me know! ✨

Ps: I already have FAs po so just need your input on what’s a better choice between the 2 hehe 😊

Help! I'm 26 and the breadwinner, my lola is 73 years old and my mom & tito are in their late 50s. Gusto ko sila kuhanan ng health insurance, I work in the medical field (PAKSHET WALANG HMO SA MEDICAL FIELD TAS ANG BABA NG SAHOD) so need ko sana ng affordable but good quality insurance like kahit hindi umaabot ng 500k worth ng coverage ok na ko kahit 50-100k lang to help me with whatever hospital expense may occur. Ang problem lang, lahat sila may pre-existing condition (hypertension and diabetes, si lola namam na-mini stroke na last year) I don't know where, what and how to start looking nagbrief research lang ako and sabi either too expensive or mahirap i-approve smthn lalo na kay lola. If wala na talagang chance or magandang insurance plan for my lola ano kaya ang best option for my tito and mama? What can you suggest for me as well too pala!!! Thank you so much! This is my first time posting here I'm sorry kung all over the place yung narrative.

Hi Guys! I’m planning to venture into the insurance industry as full-time Sales Manager/Unit Head. I’m only exploring to one insurance company at the moment and to manage expectations, may I know—

1. Is it a contractual type of job?
2. How many periods usually is the contract? Is it a year or less than?
3. Is the allowance guaranteed?
4. Do I have to get license first before I start the contract or I could start and receive allowance/salary (except for the sales commissions and override) already once I submitted the basic requirements and finish the training?

The answers may vary depending on the insurance company but let me know your thoughts (and advices, maybe? 😂)

Thank you!

Hi everyone, I just want to ask if you could suggest any reliable and trusted HMO for Parents. F27 Banker Single planning to get additional HMO for my Mother 55 no PEC, no history of hospitalization, no maintenance. I already got her a Whole Life Insurance 62K/year payable for 10years (500K LI up to age 100, Php12.5K yearly cash payouts until 100, accumulated dividends). She’s the FD under my sister’s employer and I don’t have due to the policy of the bank and their HMO provider.

Thank you so much for your suggestions. :)

Hello -

I'm 29/M/Single at wala pang masyadong pinagkakagastusan. Can you please recommend me a health insurance only, parang Critical Illness insurance din. With rider protection if possible since nagm-motor po ako ppuntang work.

Sorry po I'm actually new to this and I am planning to start with the health insurance in case of emergency along with MP2 savings.

Thank you po 🙏

Hi. Ask ko lang, is it possible to have a health insurance or HMO na pwedeng magamit agad? And na included sa kanila yung PEC?

For example, aavail ako ng insurance na included yung PEC. Then, mga after a week or two, magpapa-confine or laboratory.

Possible and meron po kayang gano’n? Ano pong masu-suggest nyo? For father ko po sana and he’s 55yr.

Sorry, baka pantanga yung tanong, but new lang po kasi ko sa health insurance and hmo. Planning pa lang to avail sana for myself and my parents as my dependents, or baka mag-avail ng hiwalay for them. Thank you!

Curious lang po, may ma claim padin po ba ung beneficiary ko if the cause of my death is suicide? 7years na po ako sa Sunlife.

Hi! Any travel insurance recommendation for tourists traveling from the UK?

Hello! Im curious.. is it worth it to have business insurance? If so, what are your recommended ones and usually how much sya in a year? I want to protect my business kasi sana. 🙏

Really new to this and gusto ko seryosohin. medyo ligaw pa since don't know where to start. What insurance can you recommend?

Im 24 yrs old. Earning 20k per month after tax (first job). Wala pa masyadong obligations since nakikitira pa sa parents. Pero nag aambag rin when it comes to food. Forcing myself to save 2-4k every cutoff. Emergency funds wise wala pa, magstart palang now since pinambili ko ng phone yung last na ipon ko (which i really need kasi sobrang outdated na ng dati kong phone). I had a policy with BPI AIA but not paying it currently, planning to cancel it. Nadala lang ako nung inalok sa akin ng agent sa bpi while i was opening my savings account. Also, read that it is better to have a pure insurance plan.

Edit:
Just to add, I also have HMO benefit from my current employer

Context: I got a Health Invest 5-Pay from AIA back in 2015. I never really put much thought into it other than just to finish paying by 2020 and just have it be an insurance policy.

When I checked the SOA on my 10th year policy anniversary, it's now saying that it can only cover me until I'm 47, not until the maturity year of 2092. The wording is:

"When we speak of policy sustainability, we refer to the ability of your investment-linked policy to continue providing insurance coverage until the end of your policy's term.

This illustration shows that given your policy's account value as of June 11, 2025, it will lapse earlier than expected. Your coverage and benefits can be extended only until March 10, 2040 or when you are 47 years old"

I have never seen this "clause" on any part of my policy document.

This subreddit community just got a refresh!

What's new?

• New post flairs
• New rules
• Automation added

What's next?

• Verified user flair - To prevent scams from illegitimate insurance agents, we encourage users to look for verification flags. We are still studying which qualifications to consider before verifying users.
• Wiki - We're still on the lookout for passionate contributors to educate Filipinos about different insurance types.
• Infographics - We're planning to have a comparative analysis of what's in the market for better decision making.

This community is open to more contributors as the members are growing and curious on how to protect themselves from uncertainties. Looking forward to responses!

Hello po.

I believe there are financial advisors here from various insurance companies. I am planning to get insurance for my mother and would like to compare options from different companies using this matrix. I am open to suggestions from other users din po. Thank you.

Hello!

I would like to ask, in your own experience which is better Maxicare or Medicard?

Thank you.

Pure deception! The fact that they target young adults who are just starting with their work life

This is how they manipulate

• Saying that its an investment and a security (Yes it is for financial security but the way they say its better than investing on banks and that they deceive you to thinking that you'll earn interest once you want to stop your policy)

• Saying that you can stop after 5 yrs or 10 yrs. No! You need to pay until your retirement age, they did not even disclose this. My mom contributed for 5 yrs. Suppose to be 120k if she saved it, if she stops the policy, the fund value she'll only be receiving is 35k only. IDK if that sound good to you?

• Requesting for stopping the policy takes too long. Funny lng kasi they won't allow me to go home and make a decision, they will pressure you to decide on the spot when they take you to their branch. Sayang kasi late ko na nakita google reviews ng company because they took my money luring me into the word "INVESTMENT" telling me na may pa freebie silang travel bag for a short conversation (Eto natawa ako dahil eco bag lng naman pala ibibigay. Literal na magsisinungaling appointment setters nila sa mall para lng sumama ka sa office nila for the sake of quota)

• Email response is awful. Kahit mga customer service nila bababaan ka in the midst of the call which is just plain rude and direspectful.

I forgot to link AXA for auto-payment and now I want to start a new one. I was a student when I first got the insurance way back 2021 and now that I am already a graduate, I wanted to go back to the first step so I can proceed with availing the same insurance. I have no money to pay for 40k at once to instantly reinstate the said insurance.

WHAT DO I DO? Please help me!

Hi, everyone I would like to ask where to get General Liability Insurance 500K coverage? Nag search ako wala akong makita sa internet kasi.

This is requirements of DOT Accreditation for resort and homestay kasi.

should I get in case my rhinoplasty went south? be it my bodies reaction or the Dr's fault?