Frequently Asked Questions

Set for Health Digital 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

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 .



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

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
Loss of independent existence
Motor neurone disease
Multiple sclerosis
Muscular dystrophy
Parkinson’s disease


Bacterial meningitis
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


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

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.

You can choose to pay for 5 years or 10 years.

You can pay your initial premium thru FWD's online shop using debit card, credit card, or up to ₱10,000 for GCash. Succeeding payments can be set up or done thru these .

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

You will be covered up to age 75, starting from the policy's effective date.

Yes. You will receive exclusive rewards like the and one-year unlimited consultation at The Medical City Ortigas’ outpatient clinic.

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