Critical Illness Insurance - Set for Health

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Product overview

In good times or in bad, Set for Health is there for you. Protect yourself and your family from future financial expenses if you get diagnosed with any of the covered 42 major and 9 minor critical illnesses or if the unexpected happens. Plus, you get your money back if you stay healthy until age 75.

• Available to 18 to 55-year-old Filipino citizens, who are in good health.

• You can only avail up to ₱1 million coverage here. Want higher coverage? Talk to our .

• This can be purchased in different modes of payment (annual, semi-annual, quarterly)

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3x claim for 42 major critical illness

Finally! You’ve got a plan that doesn’t stop when you make a claim for a major critical illness benefit. Claim up to 300% of your coverage amount if you get diagnosed with three unrelated illnesses out of the 42 covered critical illnesses.

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Protection against 9 minor critical illnesses

Get 20% of the coverage amount as minor critical illness benefit if you get diagnosed with any of the 9 covered in the plan.

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Eases family's unexpected financial burden

Your family gets the death benefit of 100% of the coverage amount.

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All your money back!

Your reward for living healthy! Get back all premiums paid if you reach age 75 without any major critical illness claims with Healthy Life Benefit. No questions asked.

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Exclusive rewards!

Get your own with zero maintaining balance and 1-year unlimited consultation at Ortigas when you purchase this plan. This reward will be active 20 days after your policy is issued.


Your product benefits

Protect yourself and your family from future financial expenses if you get diagnosed with any of the covered 42 major and 9 minor critical illnesses or if the unexpected happens. Plus, you get your money back if you stay healthy until age 75. You also get to claim up to 300% of your major critical illness benefit if you claim 3x. Simply refer to the benefit chart below:

Major Critical Illness Benefit Icon

Major Critical
Illness Benefit

100%

Minor Critical Illness Benefit Icon

Minor Critical
Illness Benefit

+20%

Death Benefit Icon

Death
Benefit

100%

Healthy Life Benefit Icon

Healthy Life
Benefit

100%
of premiums paid


Benefit Summary

Issue age

18 - 55

Premium payment term

5 / 10 years

Benefit Term

Up to insured’s age 75

Minimum sum insured

₱500,000

Maximum sum insured

₱1,000,000


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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Frequently asked critical illness insurance questions

If you’re 18 to 55 years old, in good health, you can buy this product. Good health means you agree with the three simple health declarations stated in the application form.

There are a few situations where benefit is not given.

You can't claim for major and minor critical illness benefits if the 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 .

You can't claim if death is due to attempted suicide or deliberate self-harm of the insured while sane within 2 years after cover starts, is reinstated, or is increased (for the increased amount). In this case, we will return all paid premiums to the beneficiaries.

covers you against death or diagnosis of any of the covered 42 major and 9 minor critical illnesses, which includes cancer, stroke, and heart attack. See complete list below.

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


MAJOR CRITICAL ILLNESSES


Cancers

Late-stage cancers

Major organ failure

Aplastic anemia
Chronic liver disease
Chronic lung disease
Chronic recurrent pancreatitis
Crohn’s disease
Fulminant viral hepatitis
Loss of hearing (deafness)
Loss of sight (blindness)
Major organ and bone marrow transplant
Medullary cystic disease
Progressive scleroderma
Renal failure
Terminal illness
Ulcerative colitis

Heart and blood vessels

Cardiomyopathy
Coronary artery disease
Heart attack (myocardial infarction)
Heart valve surgery
Primary pulmonary arterial hypertension
Surgery to aorta

Neuro-muscular related

Alzheimer’s disease
Apallic syndrome
Benign brain tumor
Cerebral aneurism requiring surgery
Coma
Loss of independent existence
Motor neurone disease
Multiple sclerosis
Muscular dystrophy
Paralysis
Parkinson’s disease
Stroke

Others

Bacterial meningitis
Encephalitis
HIV/AIDS due to blood transfusion
Loss of limbs
Loss of speech
Major burns
Major head trauma with severe brain damage
Occupationally-acquired HIV/AIDS
Severe rheumatoid arthritis

MINOR CRITICAL ILLNESSES


Accidental Fracture of Spinal Column
Angioplasty & Other Invasive Treatments for Coronary Artery Disease
Diabetic Retinopathy
Early-stage Cancer
Loss of One (1) Limb
Loss of One (1) Lung
Removal of One (1) Kidney
Severe Osteoporosis
Surgical Removal of Pituitary Tumour

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