What does a critical illness plan cover?

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.

What are the symptoms of Cancer?

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.

Do I need to go for a medical check-up to buy Oona Big 3 Critical Illness Insurance?

No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.

What is the maximum protection I can buy under Oona Big 3 Critical Illness Insurance?

₱500,000 is the maximum protection you can buy under Oona Big 3 Critical Illness Insurance.

Is it worth getting critical illness insurance?

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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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, starting at ₱145/year. 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?

Critical Illness is a big killer

With cancer, heart attack, and stroke causing 39% of deaths in the Philippines, it’s time to take action! Our Big 3 Critical Illness Insurance covers all three, including early-stage cancer, so you can focus on getting better, not on your bills!

Big 3 critical illnesses are on the rise

WHO predicts a 63% rise in breast and lung cancer by 2030. With 1 in 3 Filipinos at risk before 70, now’s the time to protect yourself against the Big 3 critical illnesses.

Rising Health Costs: Can You Afford the Big 3?

The Philippines ranks second in Southeast Asia for critical illness costs. Lung cancer treatment can reach ₱2.78M, a stroke ₱1.8M, and a heart attack ₱980K. Get protected before the bills pile up.

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

100% Payout for all stages of cancer, heart attack, and stroke

For as low as ₱145/year, you’ll get a 100% cash payout to use however you need—whether it’s for medical bills, groceries, or a well-deserved break as you recover. We've got your back, no matter what!

Buy online by just answering 4 quick health questions

Just answer 4 quick health questions, and you could secure up to ₱500,000 in coverage—no long forms, no hassle. Easy, fast, and all done online!

Flexible length of cover

Getting older? No worries! You can renew your Big 3 Critical Illness Insurance up to your 65th birthday, so you stay protected as life goes on. Keep your coverage flexible and your future secure!

Rates by Age: See How Affordable Critical Illness Can Be!

18-25 years old

Your critical illness coverage starts at only ₱145/year. That's like skipping one coffee to have peace of mind all year long!

26-30 years old

Your critical illness insurance will only cost you atleast ₱262/year. It’s time to swap out small expenses for big protection against bigger financial risks of cancer, stroke, and heart attack!

31-35 years old

Your critical illness insurance starts at a very affordable price of only ₱402/year. It’s affordable protection that lets you focus on life, not medical bills

36-40 years old

Your critical illness insurance plan starts at just ₱619/year. That’s less than a dinner out, but it covers you when health surprises show up uninvited!

41-45 years old

Your critical illness insurance starts at just ₱890/year. That’s a small price for peace of mind — and way cheaper than a ticket to the next big health scare!

46-50 years old

Your critical illness insurance plan starts at only ₱1,168/year. Way less than a spontaneous shopping spree — because protecting your finances for life's biggest health risks is always in style!

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More ways to stay covered: check out our other Critical Illness Insurance products

Cancer

Covers all stages of cancer

No medical pre-examination

Up to ₱500,000 coverage

Starts from

₱ 51 /year

Buy now

Heart Attack

No medical pre-examination

Up to ₱500,000 coverage

100% lump sum payout

Starts from

₱ 86 /year

Buy now

Stroke

No medical pre-examination

Up to ₱ 500,000 coverage

100% lump sum payout

Starts from

₱ 67 /year

Buy now

Got a Question?

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

View All FAQs

What does a critical illness insurance plan cover?

Answer: When life throws a serious health scare like cancer, stroke, or a heart attack, a critical illness plan has your back. It’s designed to shield you from the financial hit of major illnesses, covering costs that standard health insurance misses—like specialized treatments and even non-medical expenses. With Oona’s Critical Illness Insurance, you’re protected from more than just the hospital bill, so you can focus on what really matters: bouncing back stronger.
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Will my premium increase as I get older?

Answer: Ah, the age-old question! Generally, yes—your premium for critical illness insurance may increase as you age. But don’t worry, our critical illness plans are designed to fit your needs at every stage of life!
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Can I buy Oona Big 3 Critical Illness Insurance if I have a pre-existing medical condition?

Answer: Well, it depends! The type and severity of your condition play a key role in your eligibility. But don’t worry—just complete the health declaration during the purchase process, and we’ll help you find out if you can secure critical illness insurance. We understand that critical illness and its financial risks are a scary thought, and we’re here to support you every step of the way!
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What illnesses are covered under Oona’s Critical Illness Insurance?

Answer: Oona’s Critical Illness Insurance has you covered for the big three: cancer, heart attack, and stroke! These are the top critical illnesses which affect most Filipinos, and our insurance ensures you're financially prepared to tackle them head-on. It's all about giving you peace of mind when it matters most!
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How can I buy Big 3 Critical Illness Insurance?

Answer: Buying Oona’s Big 3 Critical Illness Insurance is as easy as a few clicks! Just hop onto our website, fill out a quick online form, answer 4 health declaration questions, and you're all set! No paperwork, no fuss—just fast, reliable critical illness insurance in the Philippines to keep you covered when life throws the unexpected your way.
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When does my Big 3 Critical Illness Insurance cover start?

Answer: Your coverage officially begins on the start date listed in your Policy Schedule. Just keep in mind—there’s a 90-day waiting period before your Big 3 Critical Illness protection gets rolling!
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What are the payment options for my critical illness insurance?

Answer: When it comes to paying your critical illness insurance premium, we keep it simple and convenient! You can easily pay online using your debit or credit card. Prefer a little more flexibility? No problem! We also accept payments through e-Wallets like Maya and GCash. It’s fast, secure, and gets you one step closer to protecting yourself from life’s unexpected health surprises!
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Are there any exclusions I should know about?

Answer: Like a plot twist in a good story, there are a few exclusions to keep in mind. Common ones include pre-existing conditions and certain high-risk activities. To get the full scoop on what’s covered and what’s not, check out the policy details or chat with one of our friendly agents. Knowledge is power!
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What’s the maximum protection I can get with Oona’s Big 3 Critical Illness Insurance?

Answer: You can secure up to a fantastic ₱500,000 in protection with Oona’s Big 3 Critical Illness Insurance! That’s some serious financial backup when you need it most. Protect yourself against life’s big health surprises and enjoy peace of mind with our critical illness insurance.
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Do I need a medical check-up to get Oona’s Big 3 Critical Illness Insurance?

Answer: Nope! No doctor visits or check-ups required. All it takes is answering 4 simple health declaration questions online, and you’re on your way to securing a critical illness cover—easy, hassle-free protection without leaving your couch!
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How much critical illness insurance do I need?

Answer: The amount of critical illness insurance you need can depend on your lifestyle, financial obligations, and health concerns. Think of it like a safety net: you want it big enough to catch you if you fall but not so big it weighs you down. Assess your needs and consider talking to one of our reliable Oona representatives to find the perfect fit!
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What are the telltale signs of cancer?

Answer: Cancer symptoms can sneak up in different ways, depending on the type. Some red flags include unexplained weight loss, a nagging cough, trouble breathing, difficulty swallowing, or constant indigestion. You might also notice persistent muscle or joint pain, unusual bruising or bleeding, stubborn fatigue, lumps under the skin, or changes in your skin like jaundice or moles that suddenly look suspicious. These are signs you shouldn’t ignore—especially with the right critical illness insurance protecting you from the unexpected bills.
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What’s the difference between Critical Illness Insurance and Health Insurance?

Answer: Great question! Think of critical illness insurance as your financial safety net for life’s unexpected health curveballs. It provides a lump-sum payment if you’re diagnosed with one of the big hitters listed in your policy—like cancer, heart attack, or stroke. This means you can focus on your recovery without worrying about money. On the flip side, health insurance casts a wider net. It covers a variety of medical expenses—from doctor visits and hospital stays to surgeries—usually paying directly to healthcare providers or reimbursing you for your medical costs. So, while health insurance keeps you covered for the day-to-day, critical illness insurance ensures you’re financially prepared for life’s bigger challenges.
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Is Critical Illness Insurance worth it?

Answer: Absolutely! With the sky-high costs of treating any critical illness, investing in critical illness insurance is a smart move. It gives you the financial security to focus on what really matters—your recovery—without stressing over bills. Oona’s Big 3 Critical Illness Insurance is designed just for this! It covers the three biggest health risks: cancer, stroke, and heart attack. Plus, you’ll receive a lump-sum payment upon diagnosis, giving you the flexibility to tackle a range of expenses related to your treatment and recovery. It’s peace of mind when you need it most!
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Can I have both health insurance and critical illness insurance

Answer: Absolutely! You can enjoy the benefits of both health insurance and critical illness insurance. Health insurance covers your everyday medical expenses, like doctor visits and check-ups, while critical illness insurance provides that extra layer of protection for serious health issues, such as cancer, heart attack, or stroke. It’s a smart way to ensure you’re fully covered for any health challenges that come your way!
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Important Notes :

1. 2023 Causes of Death in the Philippines
- Philippine Statistics Authority 2023 Data.
2. Heart disease still leading cause of death in Philippines
- The Philippine Star, 2024.