Critical Illness Insurance Designed
Around Real Recovery

Protect yourself from the financial impact of cancer, heart attack, stroke. With Oona, you can get up to ₱500,000 in lump-sum cash benefit, no medical check required, and buy online in as fast as 2 minutes.

Global Shield Plan

Big 3 Critical Illness

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  • Covers all stages of cancer, heart attack, & stroke
  • Up to ₱500,000 coverage when diagnosed with cancer, heart attack, or stroke
  • 100% lump sum payment upon diagnosis, which you can use however you need for recovery
  • Coverage starts at ₱145/year
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Global Shield Plan

Cancer

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  • Covers all stages of cancer, from early-stage to advanced diagnosis
  • Up to ₱500,000 coverage when diagnosed with cancer or any stage
  • 100% lump sum payment upon diagnosis, which you can use however you need for recovery
  • Coverage starts at ₱51/year
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Global Shield Plan

Heart Attack

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  • Coverage of up to ₱500,000 when diagnosed with heart attack
  • 100% lump sum payment upon diagnosis, which you can use however you need for recovery
  • Flexible cash benefit you can use for treatment, daily expenses, or any other needs
  • Coverage starts at ₱86/year
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Global Shield Plan

Stroke

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  • Coverage of up to ₱500,000 when diagnosed with stroke
  • 100% lump sum payment upon diagnosis, which you can use however you need for recovery
  • Flexible cash benefit you can use for treatment, daily expenses, or any other needs
  • Coverage starts at ₱67/year
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Protection That Lets You Focus on Recovery

Meaningful Lump-Sum Financial Support

Meaningful Lump-Sum Financial Support

Receive a substantial cash benefit upon diagnosis of a covered critical illness, giving you the flexibility to manage treatment, recovery, and everyday financial responsibilities with confidence.

Coverage for Major and Early-Stage Conditions

Coverage for Major and Early-Stage Conditions

Designed to protect against serious illnesses such as cancer, heart attack, and stroke, with select plans offering early-stage benefits for added reassurance.

Financial Flexibility Beyond Hospitalization

Financial Flexibility Beyond Hospitalization

Your benefit isn’t limited to hospital bills. It can support medications, therapy, home care, income replacement, or lifestyle adjustments during recovery.

Affordable Protection That Fits Your Plans

Affordable Protection That Fits Your Plans

Access meaningful coverage at premiums structured to remain practical and sustainable, making financial protection easier to prioritize.

Protection That Supports Your Family

Protection That Supports Your Family

A serious diagnosis affects more than one person. Financial coverage helps reduce the burden on your loved ones so they can focus on your recovery instead of expenses.

Quick, Digital-First Application Process

Quick, Digital-First Application Process

Apply 100% online in just minutes by answering 4 quick health questions — no complex paperwork or medical exams required.

How it works

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Step 1
Choose Your Protection Level

Select from our four Critical Illness plans based on the coverage amount and protection that best fits your needs and budget.

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Step 2
Answer 4 Quick Health Questions

Complete a short online questionnaire — no lengthy forms, no medical exams. Just straightforward questions designed to keep the process simple.

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Step 3
Apply Online and Get Covered

Submit your application digitally in minutes. Once approved, your coverage begins, giving you meaningful financial protection when it matters most.

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It only takes 4 simple questions to get started.

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Why is Oona Critical Illness Insurance the Right Choice?

Digital-First Protection, Designed for Convenience

Digital-First Protection, Designed for Convenience

Secure coverage entirely online with a streamlined application process. No long forms. No medical exams. Just answer 4 quick health questions and secure your Critical Illness coverage anytime, anywhere.

Focused Protection for Life’s Most Costly Illnesses

Focused Protection for Life’s Most Costly Illnesses

Our plans are designed to cover some of the most financially disruptive conditions, such as cancer, heart attack, and stroke - including select early-stage benefits for earlier support.

100% Lump-Sum Cash Benefit Designed for Real Life

100% Lump-Sum Cash Benefit Designed for Real Life

Receive a cash payout once diagnosed with a covered condition. Use it flexibly for hospital bills, medications, recovery expenses, or even temporary income replacement.

Financial Support That Goes Beyond Hospital Bills

Financial Support That Goes Beyond Hospital Bills

Hospital bills are only part of the picture. Your lump-sum benefit provides flexible support for follow-up treatments, rehabilitation, medications, home adjustments, and everyday living costs during recovery.

Affordable Protection with Meaningful Coverage

Affordable Protection with Meaningful Coverage

Prepare for serious health risks with coverage that provides meaningful financial reinforcement, all at a cost built to fit comfortably within your long-term financial plans.

Financial Protection for the People Who Matter Most

Financial Protection for the People Who Matter Most

Critical illness can bring unexpected challenges to those closest to you. With financial protection in place, your family can prioritize care, strength, and healing — not financial stress.

How to File a Critical Illness Insurance Claim

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Step 1
Prepare Your Documents

Have your policy number, travel details, and supporting documents ready.

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Step 2
Submit Your Claim

Fill out the online form and upload the required documents. You may also reach out to us anytime through our 24/7 Hotline or email

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Step 3
Track your claim

Oona will notify you of your claim result within 5 business days once all required documents have been submitted.

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Got a Question?

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

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Can I apply for Oona Critical Illness Insurance online?

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Yes. Oona offers a 100% online insurance application. You can apply in minutes by answering just 4 simple health questions, with no complicated paperwork required.
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When is the best time to buy Critical Illness Insurance?

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The best time to buy is before you need it. Applying while young and healthy often means lower premiums and a smoother approval process.
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What makes Oona different from traditional insurance providers?

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Oona offers a simple, transparent, and digital-first insurance experience. You can apply online quickly and manage your policy with ease.
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What illnesses are covered by Critical Illness Insurance?

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Most Critical Illness Insurance plans cover major conditions such as cancer, heart attack, stroke, and other life-threatening illnesses. Some plans, including select Oona Critical Illness Insurance options, may also include early-stage cancer coverage.
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Why do I need Critical Illness Insurance if I already have health insurance?

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Health insurance helps cover medical bills, but it may not replace lost income or cover everyday expenses during recovery. Critical Illness Insurance acts as a financial safety net to protect your savings and support your household during serious illness.
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How does Critical Illness Insurance work in the Philippines?

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In the Philippines, Critical Illness Insurance provides a one-time lump-sum benefit once a covered diagnosis is confirmed. After your claim is approved, the cash payout is released to you. You can use the benefit for medical costs, daily expenses, loan payments, or income replacement.
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What is Critical Illness Insurance and why does it matter?

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Critical Illness Insurance is a type of health protection plan that gives you a lump-sum cash payout if you are diagnosed with a covered serious illness such as cancer, heart attack, or stroke. Unlike traditional health insurance that reimburses hospital bills, this payout is given directly to you and can be used for any expense during recovery.
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Is Critical Illness Insurance only for older adults?

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No. Serious illnesses such as cancer and heart disease can happen at any age. Many young professionals in the Philippines choose Critical Illness Insurance for long-term financial protection.
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Can I use the payout for non-medical expenses?

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Yes. One of the biggest advantages of Critical Illness Insurance is flexibility. The lump-sum payout can be used for groceries, rent, mortgage payments, school fees, rehabilitation, or any financial responsibility while you focus on healing.
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Why choose Oona Critical Illness Insurance?

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Oona combines affordable premiums, meaningful lump-sum coverage, flexible benefit usage, and a fully digital application process designed for modern Filipinos.
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Is Critical Illness Insurance affordable in the Philippines?

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Yes. Many affordable Critical Illness Insurance plans are available, especially if you apply at a younger age. Premiums are generally lower when you are healthy, making early enrollment a smart financial decision.
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What is the difference between health insurance and Critical Illness Insurance?

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Health insurance typically pays hospitals or reimburses medical expenses. Critical Illness Insurance provides a lump-sum cash benefit paid directly to you. This gives you financial flexibility beyond hospitalization costs.
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How long does it take to get approved?

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The online application process takes only a few minutes. Approval timelines may vary depending on your health declaration and eligibility.
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Can I increase my coverage later?

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You may apply for additional coverage in the future, subject to underwriting and eligibility requirements.
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When does coverage start?

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Coverage begins once your application is approved and your policy becomes active, subject to the waiting period stated in your Critical Illness Insurance policy.
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Do I need a medical exam to apply?

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For most applicants, Oona’s Critical Illness Insurance application only requires answering 4 health questions. Medical exams are typically not required unless additional information is needed.
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Can Critical Illness Insurance replace my income?

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While it is not a salary replacement plan, the lump-sum benefit can help cushion the impact of lost income during treatment and recovery.
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How much payout can I receive?

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The payout amount depends on the coverage level you choose. Critical Illness Insurance plans offer different sum insured options, allowing you to select protection that fits your financial goals. With Oona Critical Illness Insurance, you can get coverage of up to ₱500,000.
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What documents are needed to file a claim?

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You will need medical documentation confirming the diagnosis of a covered illness. Oona’s claims process is structured to be clear and straightforward.
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Will I still get paid if I have other insurance policies?

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Yes. The lump-sum payout from Oona Critical Illness Insurance is paid directly to you, regardless of other insurance policies you may have.
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Important Notes :

  1. 1. 2023 Causes of Death in the Philippines
  2. 2. Heart disease still leading cause of death in Philippines
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