Critical Protect

Insurance protection for critical illnesses

Critical Protect provides a lump sum cash benefit upon diagnosis of any one of the 51 Critical Illnesses. You can use this lump sum to pay for treatment, rehabilitation, hospital bills, alternative medicine or anything you wish to use it for. It’s your money and you are free to do whatever you wish.

As part of Critical Protect, value-added coverages and inclusions to further ease your financial burden:

 

  • Critical Illness Benefit

Pays a lump sum benefit upon first diagnosis by a Registered Medical Practitioner to be suffering from any one of fifty-one (51) Critical Illnesses during the period of insurance.

 

  • Cancer Surgical Treatment Benefit

Reimburses actual expenses for surgical fees for the treatment of Cancer up to the maximum Sum Insured provided Insured Person is first diagnosed from suffering from a covered Cancer during the period of insurance.

 

  • Dietary and Nutritional Therapy Benefit

Reimburses actual expenses up to maximum Sum Insured for the cost of any Dietary and Nutritional Therapy as treatment for reclaiming the Insured Persons health provided the Insured Person is first diagnosed from suffering from a covered Cancer during the period of insurance.

 

  • Home Accessibility Benefit

Reimburses actual expenses up to the maximum Sum Insured for the cost of altering or renovating your principal residence after suffering a Stroke or a covered Cancer so your residence can be more accommodating and accessible.

What are the covered critical illnesses?

  1. AIDS due to Blood Transfusion

  2. AIDS due to Occupational Accident

  3. Alzheimer’s Disease (Benefit Limited to 25%)

  4. Angioplasty and Other Invasive Treatments for Coronary Artery Bypass Surgery (Benefit Limited to 10%)

  5. Aphasia

  6. Aplastic Anemia

  7. Bacterial Meningitis

  8. Benign Brain Tumor

  9. Blindness

  10. Cancer

  11. Carcinoma-In-Situ (Breast, Cervix Uteri, Prostate Gland, Testicles) (Benefit Limited to 25%)

  12. Cerebral Aneurysm Requiring Surgery (Benefit Limited to 25%)

  13. Chronic Adrenal Insufficiency (Addison’s Disease) 

  14. Chronic Relapsing Pancreatitis

  15. Coma

  16. Coronary Artery Bypass Surgery

  17. Creutzfeldt-Jacob Disease (Mad Cow Disease)

  18. Deafness (Permanent Loss of Hearing)

  19. Dissecting Aortic Aneurysm 

  20. Ebola

  21. Elephantiasis

  22. Encephalitis

  23. End Stage Liver Disease

  24. End Stage Lung Disease

  25. Fulminant Hepatitis

  26. Heart Attack

  27. Heart Valve and Structural Surgery

  28. Idiophatic Dilated Cardiomyopathy

  29. Major Burns

  30. Major Head Trauma

  31. Major Organ Transplant

  32. Medullary Cystic Disease

  33. Motor Neuron Disease

  34. Multiple Sclerosis

  35. Muscular Dystrophy

  36. Myasthenia Gravis

  37. Necrotizing Fascilitis (Flesh Eating Disease)

  38. Paralysis

  39. Parkinson’s Disease (Benefit Limited to 25%)

  40. Poliomyelitis

  41. Primary Pulmonary Arterial Hypertension (Benefit Limited to 10%)

  42. Progressive Systemic Sclerosis

  43. Renal Failure

  44. Rheumatoid Arthritis (Benefit Limited to 10%)

  45. Severance of Limbs

  46. Severe Asthma (Benefit Limited to 10%)

  47. Severe Osteoporosis

  48. Stroke

  49. Surgery to Aorta

  50. Systemic Lupus Erythematosus

  51. Vegetative State

Who can enroll in this plan?

MAIN APPLICANT / EMPLOYEE

MAIN APPLICANT: 18 to 65 years old

SPOUSE: 18 to 65 years old

DEPENDENTS 

DEPENDENT CHILDREN: 6 months - 18 years old or up to 25 years old if in Full Time Schooling

PARENTS(S) / PARENTS-IN LAW: Below 65 years old

Example:

Main applicant: 43 years old

Sum Insured : Php 500,000

Annual Premium: Php 2,910 x 5 = Php 14,550

Request for Critical Protect insurance quote

Major Exclusions:

War, suicide, pregnancy, childbirth, HIV related illness including AIDS, engaging in a sport in a professional capacity, the influence and/or effects of alcohol or drugs, motorcycling for professional use, murder or assault which is provoked, illegal acts, psychosis, pre-existing conditions disease, political acts or illegal activities and any loss which occurs while the Insured Person is in any country whereby the provision of insurance or payment for loss or claim would be prohibited by the US economic or trade sanctions, laws, regulation or designations.

 

Pre-Existing is defined as a condition in which the Insured Person received or were recommended by a Registered Medical Practitioner for any medical treatment , diagnosis, consultation or prescribed drugs, or the existence of any symptoms either known or unknown to the Insured Person within two (2) years preceding the effective date.

 

Waiting Period means the period of ninety (90) days which commences immediately following the policy’s effective date, or last reinstatement date, or date of any increase of benefit coverage (to the extent of such increase only), whichever is later.

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