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But I’m healthy – why do I need Big 3 critical illness insurance?

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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!

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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.

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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.

Why is Oona Big 3 Critical Illness Insurance the Right Choice?

Simple, Fast, and Fully Digital Enrollment

Simple, Fast, and Fully Digital Enrollment

Oona makes it easy to get critical illness coverage online in just a few minutes. No complicated paperwork, just quick approval and peace of mind when it matters most.

Focused Coverage for the Big 3 Critical Illnesses

Focused Coverage for the Big 3 Critical Illnesses

Oona Big 3 is designed to protect you against the most common and costly critical illnesses: cancer, heart attack, and stroke, helping you manage major medical expenses with confidence.

Lump-Sum Cash Benefit When You Need It

Lump-Sum Cash Benefit When You Need It

Receive a cash payout upon diagnosis, giving you the flexibility to cover medical bills, recovery costs, lost income, or daily living expenses without added financial stress.

Affordable Protection for Long-Term Security

Affordable Protection for Long-Term Security

With budget-friendly premiums, Oona Big 3 makes critical illness protection accessible, allowing you to safeguard your future without straining your finances.

Financial Support Beyond Hospital Bills

Financial Support Beyond Hospital Bills

The benefit is not limited to hospital expenses. It can be used for medications, therapy, home care, or lifestyle adjustments during treatment and recovery.

Protection That Supports Your Family

Protection That Supports Your Family

A serious illness affects more than just your health. Oona Big 3 helps reduce the financial burden on your loved ones so they can focus on your recovery instead of expenses.

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

18-25 years old

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

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

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

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

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

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

Cancer

tick markCovers all stages of cancer

tick markNo medical pre-examination

tick markUp to ₱500,000 coverage

Starts from

₱ 51 /year

Buy now

Heart Attack

Heart Attack

tick markNo medical pre-examination

tick markUp to ₱500,000 coverage

tick mark100% lump sum payout

Starts from

₱ 86 /year

Buy now

Stroke

Stroke

tick markNo medical pre-examination

tick markUp to ₱ 500,000 coverage

tick mark100% lump sum payout

Starts from

₱ 67 /year

Buy now

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Hear it straight from our satisfied customers

"I can't believe it was this quick and easy to just get a car insurance quote and then purchase online. Good thing I found Oona. Yey!"

Liz C., Quezon City

"Oona saved me thousands of pesos worth of car repairs and hospital bills when I got into an accident last year! I can not imagine the stress I would have suffered, had I not bought comprehensive car insurance. Totally a good decision. Thanks so much, Oona!

Janine V., Cebu

"Choosing from the packages for car insurance online was easy! The website is so user-friendly so it easy to compare options and find the perfect coverage for my car. Highly recommended!"

- John C., Pampanga

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How to File a Big 3 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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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.

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.

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!

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!

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!

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!

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!

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!

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!

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.

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!

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.

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!

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.

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!

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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Big 3 Critical Illness

  • Why Do I Need It?
  • Right Choice?
  • Why Oona?
  • FAQs
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  • Alt Text

    Big 3 Critical Illness

  • Why Do I Need It?
  • Right Choice?
  • Why Oona?
  • FAQs

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