Frequently Asked Questions

KanMend Critical Illness Insurance Plan 1799 Questions

If you’re 18 to 50 years old, a Filipino citizen or legal Philippine resident, and in good health, you can buy this product and we will cover you until age 55! Good health means that you pass the three simple health declarations stated in the application form.

There are a few situations where benefit is not given.

You can’t claim if your condition or symptom arose during the 90-day no-claim period, or if the critical illness was due to:
• Pre-existing conditions
• Drugs or alcohol abuse
• Cancer or encephalitis in the presence of HIV
• Loss of independent existence due to psychiatric causes
• Suicide or self-inflicted acts
• Unlawful acts of the insured or policy owner
• War

The definitions of these exclusions can be found in your .

KanMend Critical Illness Insurance Plan 1799 covers you in case of critical illness. You get a cash benefit when diagnosed with any of the 42 critical illnesses, including late-stage cancer, heart attack, stroke, and renal failure. That’s more than the usual 36 critical illnesses covered!

Here’s a list of the 42 critical illnesses covered—more than the usual 36 critical illnesses!

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


  1. Late-stage cancers

Major organ failure

  1. Aplastic anemia
  2. Chronic liver disease
  3. Chronic lung disease
  4. Chronic recurrent pancreatitis
  5. Crohn’s disease
  6. Fulminant viral hepatitis
  7. Loss of hearing (deafness)

  1. Loss of sight (blindness)
  2. Major organ and bone marrow transplant
  3. Medullary cystic disease
  4. Progressive scleroderma
  5. Renal failure
  6. Terminal illness
  7. Ulcerative colitis

Heart and blood vessels

  1. Cardiomyopathy
  2. Coronary artery disease
  3. Heart attack (myocardial infarction)
  4. Heart valve surgery
  5. Primary pulmonary arterial hypertension
  6. Surgery to aorta

Neuro-muscular related

  1. Alzheimer's disease
  2. Apallic syndrome
  3. Benign brain tumor
  4. Cerebral aneurism requiring surgery
  5. Coma
  6. Loss of independent existence
  7. Motor neurone disease
  8. Multiple sclerosis
  9. Muscular dystrophy
  10. Paralysis
  11. Parkinson's disease
  12. Stroke


  1. Bacterial meningitis
  2. Encephalitis
  3. HIV/AIDS due to blood transfusion
  4. Loss of limbs
  5. Loss of speech
  6. Major burns
  7. Major head trauma with severe brain damage
  8. Occupationally-acquired HIV/AIDS
  9. Severe rheumatoid arthritis

Check the for the medical definitions of the covered critical illnesses.

It’s a condition which presented signs or symptoms before the policy was issued. The insured person may or may not know the presence of such condition.

To continue your protection until age 55, make sure to pay your premiums every year until age 54.

You can pay your initial premium thru FWD's online shop using debit card, credit card, or up to P10,000 for GCash. Have a voucher? You can also use that to pay for your initial premium. Succeeding payments can be set up or done thru these .

The insurance coverage starts 90 days after the effective date shown on the policy data page in your contract.

If you pay your premiums every year, you will be covered until age 55.

You'll get unlimited telemedicine access via for 6 months, allowing you to get 24/7 professional medical advice via a phone call, anytime, anywhere.

Please visit the to learn more about vouchers and how to use them.

Contact our 24/7 Customer Connect at +632 8888 8388,, or our chatbot via .