Your Health Shouldn't
Cost Your Family Everything.
Most health plans cover the basics — not the reality. One serious
diagnosis can undo years of savings. We help you build coverage that
actually holds.
One diagnosis.
Millions of pesos.
In the Philippines, the three biggest killers are also the three most expensive. Most families
find out too late that their HMO was never designed for this.
Cancer
₱500,000 – ₱5,000,000+
Chemotherapy, immunotherapy, surgery, and long-term maintenance. A single treatment cycle of Trastuzumab for breast cancer alone costs ₱1M. Advanced stages with targeted therapy can reach ₱5M.
Heart Attack
₱480,000 – ₱2,500,000+
Bypass surgery, ICU stays, and long-term cardiac rehabilitation. Managing a heart attack can reach ₱1M within the first ten years — before accounting for lost income.
Stroke
₱200,000 – ₱1,200,000+
Emergency surgery alone costs up to ₱600,000. Long-term rehabilitation, home care, and lost income make stroke one of the most financially devastating events a Filipino family can face.
Not just a payout.
A complete safety net.
01
Focus on healing.
Your 3× payout covers treatment, maintenance, and your family's daily expenses — so your only job during recovery is to get better.
02
Still covered for a second illness.
After your 3× payout, your policy doesn't end. If a second major critical illness occurs — you are still protected. Two diagnoses, one policy.
03
Zero premiums for the rest of your term.
From the moment of diagnosis, your premiums are waived — for the entire remaining policy term. Your protection continues. Your family stays covered. You pay nothing more.
Having an HMO is not the same as
being protected.
Most HMO plans cover outpatient visits and basic confinement — but leave critical illness, long-term
care, and income replacement completely exposed. When it matters most, the gaps appear.
Four layers of
deliberate protection.
01
Exposure Mapping
We identify the specific health and financial risks your family actually faces — not generic assumptions.
02
Coverage Architecture
We design layered protection that closes gaps between your HMO, government benefits, and personal situation.
03
Cost Efficiency
We optimize coverage so you never over-pay or under-protect. Every peso of premium earns its place.
04
Continuity Design
Your protection adapts as life changes — new dependents, income shifts, aging parents.
Health Assessment
How much protection
do you actually need?
Takes 2 minutes. No personal information stored.
About You
Your Coverage
Your HMO is designed for routine health expenses — checkups, ER visits, and hospitalisation. It does not cover critical illness.
Important: Even if your HMO covers 100% of your routine costs, it covers ₱0 of any critical illness diagnosis. Cancer, stroke, and heart attack treatment require a completely separate layer of protection.
Your Critical Illness Exposure
Based on your profile, here is your real financial exposure if a major illness strikes — regardless of your HMO status.
With FWD's Major Critical Illness benefit, your full sum assured is paid each time a major illness is diagnosed — up to 3 separate claims throughout your policy.
Example: A policy pays you in cash upon each diagnosis — directly to you, not the hospital. Recover, get diagnosed with a different major illness later, and you claim again.
- ✅ Cash goes directly to you — for treatment, mortgage, daily expenses, caregiving
- ✅ Each major illness is a separate claim — up to 3 lifetime claims
- ✅ Maximum lifetime benefit:
- ✅ Premiums waived from diagnosis — for the rest of your policy term
- ✅ Your family keeps their lifestyle while you focus on healing
| Sum Assured | Per Illness Claim | Max Lifetime Benefit | Best For |
|---|---|---|---|
| ₱500,000 | ₱500,000 | ₱1,500,000 (3 claims) | Stroke and early-stage illness |
| ₱1,000,000 | ₱1,000,000 | ₱3,000,000 (3 claims) | Heart attack and early cancer |
| ₱2,000,000 | ₱2,000,000 | ₱6,000,000 (3 claims) | Advanced cancer full coverage |
"Your HMO is for the hospital stay.
Critical Illness coverage is for the life you need to rebuild after."
These are estimates — but they reveal something worth addressing. Let's look at your actual numbers together.
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