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Critical Illness


A Critical Illness Plan in the Philippines is a type of insurance coverage that provides financial support to individuals who are diagnosed with specified critical illnesses. Unlike traditional health insurance, which covers medical expenses related to various illnesses and conditions, a critical illness plan offers a lump sum payment or benefits specifically when the insured person is diagnosed with a severe and predefined medical condition.

Here are some key points about Critical Illness Plans in the Philippines:


Critical Illness Plans focus on a predetermined list of critical illnesses, such as cancer, heart attack, stroke, kidney failure, major organ transplant, and more. The list of covered illnesses varies depending on the insurance provider and the specific policy.

Lump Sum Payment

If the insured person is diagnosed with one of the covered critical illnesses, the policy pays out a lump sum amount. This lump sum payment can be used to cover medical expenses, treatments, recovery costs, lifestyle adjustments, and other financial needs that arise due to the illness.

Separate Coverage

Critical illness coverage can be obtained as a standalone policy or as a rider (add-on) to a life insurance policy. Riders offer additional protection on top of the base life insurance coverage.

Exclusions and Waiting Periods

Policies might have certain exclusions, waiting periods, or limitations on coverage for pre-existing conditions.


Critical illness plans in the Philippines are regulated by the Insurance Commission to ensure that policies adhere to certain standards and consumer protections.

Critical Illness Plans offer financial support during times of significant health challenges, helping individuals focus on their recovery and quality of life rather than worrying about the financial impact of a critical illness. It’s important to carefully review policy terms, coverage details, and exclusions before purchasing a critical illness plan to ensure that it aligns with your needs and preferences.

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