Critical Illness Insurance

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Our BIG 3 Critical Illness Insurance Overview

BIG 3 Critical Illness Insurance is a protection plan that covers the top 3 most common critical illnesses in the Philippines.

Receive cash benefit when you get diagnosed with any of the 3 leading critical illnesses: cancer, heart attack, or stroke.

Available to 18 to 60-year-old Filipinos or legal residents of at least 6 months, who are in good health.

Multiple policies up to a total benefit amount of P2 million may be purchased.

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Critical Illness Benefit

Get 100% of benefit amount when diagnosed with cancer, heart attack, or stroke.


Early to late-stage cancer coverage

Receive 100% of benefit amount when you're diagnosed with either early or late-stage cancer.

Benefit Summary

Issue age

18 - 60

Premium payment term

Annual, Semi-annual, or Quarterly, renewable up to insured’s age 79

Benefit Term

1-year coverage, renewable up to insured’s age 79

Minimum benefit amount


Maximum benefit amount



No benefits will be paid out within the no-claim period or if critical illness was due to a pre-existing condition. The no-claim period is 1 year for early thyroid cancer and 90 days for other critical illnesses.

Please make sure you are eligible for this product before applying.
The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.

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If you are looking for a product that offers broader benefit coverage and higher benefit limits. Please contact us for more information.

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Learn more about critical illness insurance

Why Health Insurance Banner

This is why you need health insurance

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Financially Prepared Banner

How to be financially prepared for critical illness

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Critical Illness Cover Banner

What critical illness covers: diseases and costs

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Frequently asked critical illness insurance questions

Am I eligible to buy BIG 3 Critical Illness Insurance?

If you’re an 18 to 60-year-old Filipino or legal resident for at least 6 months, and in good health, you may buy . Good health means you agree with the three simple health declarations stated in the application form.

What does Big 3 Critical Illness Insurance cover?

covers you against diagnosis of any of the covered 3 critical illnesses, which are cancer, stroke, and heart attack.

You can find the medical definitions of each of the covered critical illnesses in the .

If you are looking for insurance coverage of more than 36 critical illnesses, check out which covers 42 critical illnesses.

When will claims not be paid?

There are a few situations where benefit is not given.

You can't claim for critical illness benefits if the condition or symptom arose during the 1 year no-claim period for thyroid cancer or 90-day no-claim period for other critical illnesses, or if the critical illness was due to a pre-existing condition.

The definitions of these exclusions can be found in your .

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