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Big 3 Critical Illness Insurance

When cancer, a heart attack or stroke hits, Oona’s got your back.

Get 100% cash payout with coverage of up to ₱500,000 to use any way you need, so you can focus on getting healthy again without worrying about your bills.

Get protected with Oona Big3 critical illness insurance.

But I’m healthy – why do I need critical illness insurance?

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The Big 3 Critical Illnesses are a big issue

Cancer, heart attack and stroke cause 39% of total deaths in the Philippines.

Big 3 Critical Illness Insurance covers all three, including early stage cancer.

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Increasing Prevalence of Big 3 Critical Illnesses

Breast and lung cancer cases will go up by 63% by 2030, according to WHO data.

1 in every 3 Filipinos could die from these 3 critical illness before they reach 70.

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Rising Healthcare Expenses

Critical illness cost in the Philippines is the second most expensive in South East Asia. Lung cancer treatment costs can lead up to ₱2.78 million, stroke is for ₱1.8 million, while a heart attack is for ₱980,000.

So why is Oona Big 3 Critical Illness Insurance the right choice?

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100% Payout for All Stages of Cancer, Heart Attack and Stroke

Got Big 3 Critical Illness Insurance? Great!

You get 100% of your coverage amount in cash to help you with anything you need as you recover.

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Buy Online with No Medical Examination

Worried about questions and medical
checks? Don’t be!

You can apply online by answering 4 simple health questions.

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Flexible Length of Cover

Getting older? That’s no problem for your cover.

You can renew your Big 3 Critical Illness Insurance policy up to your 65th birthday.

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Answer 4 simple questions to get your instant free quote

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Oona gives you...

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Affordable Critical Illness Insurance premiums

Get ₱500,000 of coverage from as low as ₱145/year.

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Diverse Critical Illness Insurance Coverage

Choose from a range of cover options, from ₱100,000 up to ₱500,000.

Got a Question?

Explore our FAQ page to find all the information you need.

help

What does a critical illness plan cover?

Answer: A critical illness plan is designed to offer financial protection against severe health conditions that can lead to significant lifestyle changes and financial burdens. Critical Illness insurance plans typically cover diseases like cancer, stroke, and heart attack, providing coverage for expenses beyond what standard health insurance offers, including specialized treatments and non-medical costs.
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When does my Big 3 Critical Illness Insurance cover start?

Answer: Your cover starts on the coverage start date as shown on the Policy Schedule. The Big 3 Critical Illness cover starts after a 90-day waiting period.
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What are the symptoms of Cancer?

Answer: Cancer symptoms vary widely based on the type of cancer but can include:

Unexplained weight loss, persistent cough or trouble breathing, difficulty swallowing, persistent indigestion or discomfort after eating, persistent and unexplained muscle or joint pain, unexplained bleeding or bruising, persistent fatigue, lumps or areas of thickening that can be felt under the skin, changes in the skin, such as jaundice, sores that do not heal, or changes to existing moles, etc.
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Do I need to go for a medical check-up to buy Oona Big 3 Critical Illness Insurance?

Answer: No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.
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How can I buy Big 3 Critical Illness Insurance?

Answer: You can buy Big 3 Critical Illness insurance online with no medical examination, just by answering 4 health questions.
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Can I buy Oona Big 3 Critical Illness Insurance if I have a pre-existing medical condition?

Answer: This depends on the type and severity of the medical condition you have or had. To determine your eligibility, please complete the health declaration as part of the purchase process.
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What is the maximum protection I can buy under Oona Big 3 Critical Illness Insurance?

Answer: ₱500,000 is the maximum protection you can buy under Oona Big 3 Critical Illness Insurance.
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Is it worth getting critical illness insurance?

Answer: Given the high costs associated with the treatment and management of serious health conditions, getting critical illness insurance can be very worth it. It ensures financial security, enabling individuals to focus on recovery without the concern of financial hardship.

Oona Big3 Critical Illness Insurance product specifically address this need by covering the three most impactful conditions: cancer, stroke, and heart attack. These plans offer lump-sum payments upon diagnosis, granting policyholders the flexibility to manage a range of expenses related to their condition and recovery.
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What’s the difference between Critical Illness Insurance and Health Insurance?

Answer: Critical illness insurance provides a lump-sum payment if the insured is diagnosed with one of the specific illnesses listed in the policy, such as cancer, heart attack, or stroke. Health insurance, on the other hand, offers broader coverage for medical expenses incurred from a wide range of health issues. It typically covers doctor visits, hospital stays, surgeries, paying directly to healthcare providers or reimbursing the insured for incurred medical expenses.
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What are the payment options?

Answer: You can pay your critical illness insurance premium online via debit or credit card, or via e-Wallet like Maya and GCash.
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