Critical Illness Insurance
Cebu critical illness cover that pays a lump sum on diagnosis — not just at claim time.
Critical illness coverage pays a lump sum on diagnosis of covered conditions — cancer, stroke, heart attack, and more — so treatment and income loss are not decided by your bank balance.
What's included
- Lump-sum payout on diagnosis, independent of actual treatment cost
- Stacks with your existing HMO or health plan
- Coverage for the major illness categories Filipino families face most
- Straightforward claims support, not buried in paperwork
Who it's for
Best paired with HMO coverage for anyone without a large emergency fund who wants a real safety net against a major diagnosis.
Book a Free ConsultationHow exposed are you right now?
Estimate your exposure to a major-diagnosis gap in your current coverage.
Family history of critical illness
Lifestyle risk factors
Your indicative risk score
Low RiskWant to avoid all the risk? Take an appointment to receive a quote adapted for you.
Book My Free ConsultationIndicative risk estimate only — not a premium quote. Your exact quote is confirmed by an advisor.
Frequently asked questions
Does critical illness cover replace my HMO?
No — it complements it. Your HMO pays hospitals directly for treatment; critical illness pays you a lump sum you can use for anything: income replacement, travel for treatment, or family support.
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