Essential Protection for Every OFW

With Oona, you can have the peace of mind that comes with knowing your vehicle is protected against the unexpected.

Protection for Filipinos Abroad

Protection for Filipinos Abroad

Designed for OFWs who need reliable travel cover while working, visiting family, relocating, or travelling between countries.

24/7 Global Travel Assistance

24/7 Global Travel Assistance

Get round-the-clock support for eligible medical and travel emergencies wherever your trip takes you, locally, overseas, or while in transit.

Accidental Death Benefit up to $15K

Accidental Death Benefit up to $15K

Provides up to $15,000 in accidental death benefit to help protect your family from unexpected financial strain during a covered trip.

Medical Repatriation Cost Coverage

Medical Repatriation Cost Coverage

Covers eligible actual costs for medical repatriation and necessary travel arrangements so you can return safely when serious emergencies happen.

Explore a variety of travel insurance plans tailored to meet your travel essentials

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 *Terms and Conditions apply. Refer to policy wordings for detailed information.

Why is Oona OFW Insurance the Right Choice?

Accidental Death Benefit for Covered OFWs

Accidental Death Benefit for Covered OFWs

US$15,000 is paid to the insured OFW’s beneficiaries if death results from a covered accidental event.

Natural Death Benefit for Covered OFWs

Natural Death Benefit for Covered OFWs

US$10,000 is paid to the insured OFW’s beneficiaries if death results from illness or another natural cause.

Permanent Disability Benefit After Injury or Illness

Permanent Disability Benefit After Injury or Illness

US$7,500 is paid for permanent damage to the eyes, hands, feet, or head caused by accident or sickness.

Repatriation Cost for Termination or Death

Repatriation Cost for Termination or Death

Covers airfare after termination without cause, or transport of remains following the insured OFW’s death.

Subsistence Allowance During an Employment Case

Subsistence Allowance During an Employment Case

Provides US$100 monthly for up to six months to cover living costs while filing a case against an employer.

Money Claims Benefit for a Successful Agency Case

Money Claims Benefit for a Successful Agency Case

Settlement up to US$1,000 per month for remaining contract months if a case is won against the agency.

How to Purchase OFW Insurance Online

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Step 1
Fill the Form

Share your details in under 60 seconds.

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We Call You Back

An expert agent contacts you right away.

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Step 3
You're Protected

We will create a policy for you in the shortest possible time.

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Get your free OFW Insurance quote today

Provide your information below. One of our experts will call to explain the product, and once aligned, we will proceed with issuing your policy.

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How to File an OFW Insurance Claim

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Step 1
Fill the Form

Have your policy number ready and gather your documents (e.g., accomplished claim form, passport photocopy including the page showing your immigration stamp, and employment contract).

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Step 2
We Call You Back

Fill out the claims form and submit the necessary documents through our official channels. Our team will review them and contact you if any additional information is needed.

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Step 3
You're Protected

Once all required documents are received, we will evaluate your claim and keep you informed of the status and outcome in accordance with the policy terms.

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Got a question about OFW Insurance in the Philippines

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

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What is OFW Insurance?

Answer
OFW Insurance is a protection plan designed for Overseas Filipino Workers. It provides financial coverage for medical emergencies, accidental injury, disability, repatriation, and certain employment-related issues while working abroad.

Does the plan cover natural death?

Answer
Yes. Oona OFW Insurance includes a Natural Death Benefit that provides financial support to your beneficiary if death occurs due to illness or natural causes.

Does OFW insurance help during employer disputes?

Answer

Yes, but the applicable benefit depends on the OFW’s situation at a given time. OFW insurance does not allow multiple benefits to cover the same incident simultaneously.


Subsistence Allowance applies when an OFW is unpaid, abandoned, or stranded abroad and needs temporary financial support while awaiting assistance or approval for repatriation.


Repatriation Cost Benefit applies once return to the Philippines is authorized due to unsafe working conditions, contract termination, or other employer-related issues.
 

While both benefits may stem from the same employer-related concern, they are provided at different stages—not at the same time—and are subject to policy terms and approval.

Does Oona OFW Insurance cover illegal termination?

Answer
Yes. The plan includes coverage for approved labor-related claims, such as illegal dismissal or unpaid wages, subject to NLRC decisions and policy limits.

How do I get a quote for Oona OFW Insurance?

Answer
You can contact Oona and provide your overseas employment details, including destination and contract duration. Our team will prepare a personalized quotation for you.

When does my OFW Insurance coverage start?

Answer
Coverage usually begins on your declared start date of employment or departure, subject to policy terms and confirmed payment.

Who can be the beneficiary of my OFW Insurance?

Answer
You may designate a beneficiary, typically an immediate family member, who will receive benefits in case of accidental or natural death.

What happens if I get hospitalized abroad?

Answer
If you are hospitalized for a covered condition, you may claim medical benefits. In certain cases, the plan may also provide emergency evacuation or family visit benefits.

Does Oona provide emergency medical evacuation?

Answer
Yes. Oona arranges medically supervised evacuation to the nearest appropriate facility when urgent or specialized treatment is required, subject to approval.

Does OFW Insurance include a compassionate visit benefit?

Answer
Yes. OFW insurance includes a Compassionate Visit benefit, helping cover the travel cost of one family member or a requested individual so they can be by the worker’s side during serious medical emergencies. This ensures support and comfort when it matters most.

What documents are required when filing a claim?

Answer
You typically need your policy number and supporting documents such as medical reports, hospital bills, employment records, or incident reports, depending on the claim type.

Why do Overseas Filipino Workers need insurance?

Answer
Working abroad comes with medical, occupational, and employment-related risks. OFW Insurance helps protect your income and provides financial support if unexpected events occur during your contract period.

How do I file an OFW Insurance claim with Oona?

Answer
You can submit your completed claim form and required documents through Oona’s official channels. Our team will review and coordinate with you for processing.

How long does it take to process a claim?

Answer
Claim processing time depends on the completeness of documents submitted. Once all required documents are received, evaluation begins in accordance with policy timelines.

What happens if I cannot continue working due to medical reasons?

Answer
If medically necessary, the plan may cover repatriation to the Philippines for continued treatment, subject to approval and policy terms.

Can I extend my OFW Insurance if my contract is renewed?

Answer
Yes. If your contract is extended, you may request a renewal or extension of your OFW Insurance coverage.

Why choose Oona OFW Insurance?

Answer
Oona OFW Insurance is designed specifically for Overseas Filipino Workers, offering comprehensive coverage, labor-related protection, emergency assistance, and reliable claims support throughout your contract period.

Is Oona OFW Insurance different from travel insurance?

Answer
Yes. OFW Insurance is specifically designed for long-term overseas employment and includes labor-related and contract-specific benefits, unlike short-term travel insurance.

Do overseas workers need separate travel insurance?

Answer
Travel insurance is optional and covers trip-specific risks, while OFW insurance focuses on employment-related emergencies and legal requirements.

Is OFW Insurance required before deployment?

Answer
Yes. Most overseas employment contracts require valid OFW Insurance coverage before departure, in line with government regulations.

What does Oona OFW Insurance cover?

Answer
Oona OFW Insurance provides coverage for accidental death, natural death, permanent total disablement, medical emergencies, repatriation costs, labor-related claims (subject to policy terms), and other essential benefits.

How long is Oona OFW Insurance valid?

Answer
Coverage is typically aligned with your contract period abroad. The duration will be based on the employment term declared during application.

Does Oona OFW Insurance cover medical expenses abroad?

Answer
Yes. The plan includes medical-related benefits, including emergency treatment and medically necessary evacuation or repatriation, subject to policy limits.

What is Permanent Total Disablement benefit?

Answer
This benefit provides financial compensation if a covered accident results in permanent disability that prevents you from working again.

Notes

The information on this website provides a general overview. For comprehensive details and the full terms and conditions, please refer to the policy document.

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