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The Certificate of Cover is a vital part of the CTPL policy. It's the document needed by the Land Transportation Office (LTO) for processing the vehicle's certificate of registration, ensuring that it is legally registered for use.
No, CTPL does not cover property damage to a third-party's property. It only provides coverage for bodily injury or death of a third-party person.
VTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.
No Fault Indemnity means our company will cover your accident expenses of up to ₱15,000, regardless of who's at fault.
Yes. While Comprehensive Motor Insurance is optional when you register a vehicle in the Philippines, it is a legal mandate for vehicle owners to have a valid Compulsory Third Party Liability (CTPL) Insurance,. So driving without one can get you into trouble.
It's recommended to get Comprehensive Insurance with Acts of Nature coverage, especially in the Philippines where natural disasters can happen.
The Certificate of Cover (COC) is an important document in your CTPL insurance policy. When you buy CTPL insurance, you'll receive the COC, which is essential for processing requirements with the Land Transportation Office (LTO). While the COC serves as proof of insurance, it's not the same as the CTPL policy. Instead, it's a vital part of it.
The validity of CTPL Insurance depends on your vehicle's condition during the time of purchase. CTPL for new vehicles expire after three (3) years, while for non-brand new vehicles, their CTPL Insurance usually expires after a year. Upon expiry, you would need to renew your CTPL insurance every year.
It's insurance that covers the insured person against liability to any third party resulting from using the insured vehicle. CTPL covers only bodily injury and death of third parties, while VTPL also covers damage to their property.
Compulsory Third Party Liability Insurance or CTPL Insurance is a coverage that is required by law in the Philippines for all motor vehicles when registering with LTO. This insurance protects you against any legal responsibilities for injuries or death to others caused by using the insured vehicle.
Yes, car insurance for one, is subject to Value-added Tax (VAT) and Local Government Tax, including fees for authentication and documentary stamp.
For death or permanent disability claims, it's up to ₱200,000. For other injuries, compensation follows what is set in the schedule of indemnities.
Yes, TPL (Third Party Liability) and CTPL (Compulsory Third Party Liability) are essentially the same. They both aim to protect against liabilities to third parties. However, in motorcar insurance, there are two types of TPL:
CTPL (Compulsory Third Party Liability): This insurance is mandated by the Land Transportation Office (LTO) for vehicle registration in many places. It usually covers up to ₱200,000 and is limited to injuries or death of third party persons involved in an accident with the insured vehicle.
VTPL (Voluntary Third Party Liability): This is optional insurance that offers more coverage than CTPL. It can cover from ₱500,000 to ₱1,000,000. VTPL includes both injury or death to third parties and damage to their property, offering broader protection similar to a comprehensive insurance policy.
In short, while TPL and CTPL are similar, CTPL is a specific type required for vehicle registration, and VTPL is an optional extension that provides more comprehensive coverage.
CTPL in the Philippines normally costs between ₱350 to ₱2,500 per year. For new vehicles, there's a three-year option costing between ₱1,800 to ₱4,500.
You can still drive the vehicle without comprehensive insurance, except for CTPL, which is required for car registration.
No, unless your vehicle is financed through a loan with a financing company, like a bank. Financing companies require insurance for vehicles under a loan term.
Yes, you need CTPL (Compulsory Third Party Liability) Insurance in the Philippines for legal vehicle registration with the LTO, even if you already have comprehensive motor insurance. CTPL is a must, while VTPL (Voluntary Third Party Liability) in comprehensive policies is optional.
TPL, or Third Party Liability insurance, covers injuries or damages to a third party caused by an accident arising from the use of the insured vehicle. It doesn't cover damage to the insured vehicle or injuries to its driver or passengers.
Comprehensive motor insurance offers broader coverage. It includes protection for the insured's vehicle, injuries to the driver, and injuries to passengers, which are not covered by TPL.
In summary, comprehensive motor insurance provides more extensive protection, covering both third-party liabilities and personal damages or injuries.
The Schedule of Indemnities is a chart that lists the possible compensation amounts for different types of injuries. It helps people understand how much they could potentially get from a claim.
No. Your car insurance policy doesn’t transfer automatically to the new owner. You’ll need to coordinate with your car insurance provider to request a policy transfer. If you skip this step, the policy will be suspended, and the new owner won’t have coverage in case of an accident.
With Oona Car Insurance, we make the process quick and hassle-free. Just contact us, provide the required documents, and we’ll guide you through the transfer so the new owner can enjoy continuous protection.
While roadside assistance is not always included in standard policies, many insurance companies offer it as a convenient add-on to your comprehensive car insurance. Services typically cover towing, battery boosts, flat tire fixes, and emergency locksmith services to prevent you from being stranded.
Comprehensive car insurance is often considered the best car insurance because it provides extensive protection, including:
1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to others in an accident.
3. Coverage for injuries to your passengers.
It offers peace of mind with additional perks like easy claims and roadside assistance, ensuring you're well-protected on the road.
Without comprehensive car insurance in the Philippines, you won’t be protected against a wide range of risks. If your car is damaged in an accident, stolen, or hit by natural disasters like floods or typhoons, you’ll shoulder the full repair or replacement cost.
You also lose coverage for many instances of injuries or property damage to others, which can lead to expensive out-of-pocket expenses.
Think of it like driving without a safety net. One major mishap could drain your savings. Comprehensive coverage ensures you’re financially protected from life’s unexpected road bumps.
When buying comprehensive car insurance online in the Philippines, you have multiple convenient payment options. Most insurance providers, including Oona Insurance, accept payments via credit or debit cards, as well as popular e-wallets like Gcash and Maya. Other payment methods may include bank transfers, Bills Payment facilities, and more.
To find the most convenient payment option for your needs, you can contact an Oona representative or your trusted Oona agent who will guide you through the process, making it easy to secure your car insurance coverage anytime, anywhere.
Here's how you can find the best car insurance provider: start by comparing quotes, policy coverage, and customer reviews. You must also consider the company’s reputation, claims process, and extra perks like customer support and discounts to find the perfect fit.
Oona Insurance stands out as a top contender for comprehensive car insurance. With extensive coverage options, competitive pricing, and excellent customer service, Oona offers a comprehensive solution to meet your insurance needs. Our commitment to providing exceptional value and support makes us a strong choice for drivers seeking reliable and affordable car insurance
To file a car insurance claim, just follow these steps: Contact your insurer right after an incident, then provide important documents like a police report, photos of the damage, and your driver’s license. Your insurance company will walk you through the process, which might include checking your vehicle and arranging repairs. It’s all about making sure you get the help you need quickly and smoothly!
Oona Insurance prides itself on offering a hassle-free claims process. Once you contact our claims department, our friendly and knowledgeable agents will guide you through every step. We understand that filing a claim can be stressful, so we strive to make the process as easy and efficient as possible.
Yes, most comprehensive car insurance plans include coverage for Acts of Nature (AON), protecting your vehicle from damage caused by natural events like storms, floods, and earthquakes. If you opt for a basic car insurance, you might need to add this coverage separately. But with AON included in your car insurance plan, your car is well-protected for anything Mother Nature throws at you, be it a torrential downpour or a surprise typhoon.
Oona offers AON protection with our most comprehensive insurance plans and more extensive protection against other risks like accidents and theft. This means you can drive with confidence, knowing you're covered in a wide range of situations. Choose the right plan with Oona and enjoy peace of mind on the road.
Comprehensive car insurance in the Philippines offers extensive protection for you and your vehicle. Here’s what it covers:
1. Damage or loss to your car—we’ve got you covered from fender benders, to major mishaps, and even from natural disasters
2. Liability for injuries, death, or property damage to others involved in an accident
3. Injuries to you and your passengers—because safety extends beyond just the driver’s seat.
In short, it’s your ultimate protection against the unexpected mishaps on the road, keeping you covered from bumper to bumper!
Third-Party car Insurance, or simply TPL car insurance, protects you from liability if you’re involved in an accident with someone else. There are two types:
1. CTPL (Compulsory Third Party Liability): This is the basic, must-have coverage for LTO registration, covering up to ₱200,000 for injuries or death of others.
2. VTPL (Voluntary Third Party Liability): This is the extra boost! It extends your coverage beyond CTPL, with limits from ₱50,000 to ₱1 million, covering both injuries, death, and property damage.
In short, CTPL provides basic protection, while VTPL adds extra peace of mind!
Many comprehensive car insurance policies include personal accident coverage, which can help with medical costs for you and your passengers. Just be sure to check your policy details to see what’s included!
Oona Insurance offers comprehensive car insurance policies that often include personal accident coverage as a standard feature. This means you can have peace of mind knowing that you and your passengers are protected in case of an accident.
By choosing Oona, you're not only getting affordable and reliable car insurance but also ensuring that you and your loved ones are covered in the event of an unforeseen incident.
Motorcycle insurance protects you financially in case of accidents, theft, or damages to your bike. It’s essential to cover unexpected repairs, medical expenses, or third-party liabilities. With Oona, you get comprehensive coverage that fits your needs, giving you peace of mind on the road.
Purchasing Oona Motorcycle Insurance is quick and easy! Simply choose your plan, and complete the process online in minutes. It’s fast, convenient, and you’ll be covered right away.
Yes, theft coverage is often included in comprehensive motorcycle insurance plans. Oona offers coverage for theft, ensuring that if the unexpected happens, you’re not left without protection.
While some motorcycle insurance policies include passenger liability, it’s always best to check your coverage. Oona’s comprehensive plans offer the option to include passenger protection, so both you and your passenger are covered in case of an accident.
The cost of motorcycle insurance varies based on factors like the model, usage, and type of coverage. Oona offers flexible, affordable plans, making it easy for you to get quality protection without breaking the bank.
The right motorcycle insurance depends on your usage, the value of your bike, and your budget. At Oona, we simplify the process with easy-to-understand plans, so you can select what’s best for you—whether you need basic liability or full protection.
Yes, most insurance providers, including Oona, allow you to upgrade your policy at any time. Whether you want to add more coverage or increase your protection, Oona makes it easy to enhance your policy to fit your evolving needs.
Helmet is not covered in most motorcycle insurance, but unlike most insurers, Oona is extending coverage for helmets.
Many insurers, including Oona, offer multi-vehicle discounts. If you have more than one motorcycle, you can save by bundling your policies with Oona. Our team will help you find the best deal.
Most motorcycle insurance policies cover damages from accidents, theft, fire, and even third-party liabilities. At Oona, we offer customizable plans so you only pay for the coverage you actually need, from basic protection to all-inclusive packages.
If you sell your motorcycle, you can either transfer the insurance to the new owner or cancel the policy. Oona’s customer service team is happy to assist with either process, ensuring a smooth transition.
TPL insurance covers damages you may cause to other people while riding your motorcycle. It’s a basic legal requirement. With Oona’s CTPL insurance starting at ₱290, you can meet legal obligations affordably and easily.
Yes, most insurers allow policy cancellations, though terms vary. Oona provides clear guidelines on cancellations and any potential refunds, making it easy to manage your policy if your situation changes.
Yes, certain plans for comprehensive insurance for motorcycles offer coverage for Acts of Nature, such as floods or typhoons. Oona’s comprehensive plans include this option, ensuring your bike is protected no matter what nature throws your way.
In case of an accident, prioritize safety, notify the authorities, and take photos if possible. Then, contact Oona’s customer service for quick claims assistance. Our hassle-free claims process ensures that you get back on the road with minimal delay.
Our comprehensive coverage includes protection against accidental damage, theft, fire, vandalism, and damage from natural disasters like floods or typhoons—perfect for the unpredictable weather in the Philippines.
Absolutely! We make it easy to switch. Our team will help you with the transfer process so you can start enjoying the benefits of Oona’s comprehensive coverage right away.
While regular car insurance is designed for personal vehicles, commercial auto insurance is tailored for business use, offering higher coverage limits and protection suited to commercial activities.
Our policy is designed for business use, but occasional personal use is generally acceptable. Just let us know your needs, and we’ll ensure you have the right coverage.
Filing a claim with us is easy! Just call our 24/7 claims hotline, provide the necessary details, and we’ll guide you through the process to get your business back on the road quickly.
You can get a quick quote online or by contacting our customer service team. Just provide some basic details about your vehicles and business, and we’ll take care of the rest.
In the Philippines, all vehicle owners—whether for private use or business—are required to have auto insurance. Private car owners need insurance to protect themselves from unexpected accidents, damage, or theft. Commercial vehicle owners, on the other hand, rely on auto insurance to safeguard their business assets, whether they're transporting goods or passengers. So, whether you're driving for personal trips or business operations, auto insurance is essential for legal compliance and peace of mind on the road.
Yes, you can! We understand that every individual and business is unique, so we offer customizable options to fit your specific needs, whether it’s for a single vehicle or a whole fleet.
Yes, our policy also provides coverage for drivers and passengers, including medical expenses in case of an accident. Keeping your team safe is our priority!
Yes! We offer 24/7 roadside assistance, including towing, tire changes, and fuel delivery, so you’re never left stranded.
Oona's comprehensive auto insurance covers a wide range of vehicles, from private cars to commercial vehicles. Whether you're using your vehicle for personal travel or business purposes like transporting goods or passengers, our coverage is designed to keep you protected on the road.
We strive to process claims as swiftly as possible, typically within a few days, depending on the complexity of the claim. Our goal is to minimize your downtime.
Oona's comprehensive auto insurance offers extensive coverage for private and commercial vehicles in the Philippines. It protects your commercial fleet against a range of risks including accidents, theft, fire, and even natural disasters. We help keep your business moving, no matter what comes your way.
Oona offers comprehensive coverage, competitive rates, and excellent customer service. We’re here to keep your business moving, no matter what challenges come your way.
We offer flexible payment options, including monthly, quarterly, and annual plans, to fit your or your business’s cash flow and budget.
Yes, we cover a variety of specialized vehicles like food trucks, construction vehicles, and more. Just tell us your needs, and we’ll find the right coverage for you.
Not necessarily. We review each case individually, and minor claims won’t always result in a premium increase. We’re committed to fair and transparent pricing.
You can reach us through our website, call our customer service hotline, or visit any of our branches. We’re always ready to help you find the right insurance solution for your business!
Absolutely! Living in the Philippines means dealing with unpredictable weather, so our comprehensive auto insurance includes coverage for damages caused by natural disasters like typhoons and floods.
Yes, absolutely. With Oona Insurance Travel Online, you can buy travel insurance anytime, anywhere, even while you’re at the airport waiting to board. The process is quick, fully online, and takes just a few minutes.
Simply visit www.myoona.ph using your phone, tablet, or laptop, choose the Oona Travel Insurance plan that fits your trip, fill out the short form, and complete your payment. Your policy will be sent instantly to your email inbox, ready for you to review and present if needed.
This flexibility means you can still secure coverage for medical emergencies, trip delays, lost baggage, and more, even if you forgot to buy insurance before leaving home.
Tip: While you can buy travel insurance hours before your flight (typically at least 2 hours), purchasing it earlier gives you added benefits like trip cancellation coverage before your departure date.
Tip: Prompt reporting is crucial. Most airlines and insurers have strict timelines for lost baggage claims. The sooner you report, the better your chances of a smooth reimbursement process.
While travel insurance offers protection for many unexpected events, there are important exclusions you should know. These help define the scope of coverage and manage risks for both the insurer and the traveler. Common exclusions include:
Tip: Always review your policy’s “General Exclusions” section before you travel so you know exactly what’s covered and what’s not. This will help you plan better, avoid surprises during claims, and choose add-ons if you need extra protection.
Yes, you can request changes to your flight details in your travel insurance policy before your trip begins. Simply contact our customer service team or send us an email with your updated itinerary. Changes must be made before your coverage period starts, and additional fees may apply depending on the adjustments. Always review your policy terms to ensure the updates are processed correctly.
If you fall ill while traveling, contact our 24/7 Travel Assistance Hotline immediately at +00 632 8459 4727 (outside the Philippines) or (02) 8459 4727 (within the Philippines).
You can also email us at operationsph@pacifico-assistance.com.ph.
Please prepare and provide the following details so we can assist you quickly:
Our team will guide you through the entire medical assistance process, including hospital arrangements, treatment coordination, and claims support.
Absolutely not! Oona believes in keeping it simple so we automatically send the lounge vouchers to your registered email address as soon the delay is announced. With no claims paperwork necessary, you can focus on relaxing instead of stressing over forms. Just grab your lounge access and enjoy the moment!
Oona Flight Delay Insurance is your trusty travel companion that provides instant access to airport lounges when your flight is delayed by an hour/sixty minutes or more. With no claims paperwork necessary, it's all about making your travel experience smoother and more enjoyable!
Unfortunately, we do not cover this if the airline has been responsible and has informed you about the delay in advance.
You’re in luck! Oona covers up to 4 flights for just ₱149, so you can enjoy lounge access for each delay during your journey.
While regular travel insurance covers a wide range of incidents like trip cancellations and lost luggage, Oona Flight Delay Insurance focuses specifically on delays. With Oona, you get instant lounge access during flight delays of an hour or more, ensuring you can relax while waiting for your delayed flight.
If you didn’t receive your lounge vouchers, don’t worry! First, check your email’s spam or junk folder. If they’re still missing, please reach out to our customer support team for assistance. You can contact us at our hotline: (+632) 8879 4400, or mobile numbers: (Smart) (0920) 9186242 or (Globe) (0917) 5187175 or email us at teleservice@oona-insurance.com.ph. We’re here to help you get your lounge access sorted out so you can travel with ease!
Yes! Oona’s coverage applies to connecting flights as long as they’re booked together under the same itinerary. If your connection is delayed by at least an hour, you’re covered!
Oona Flight Delay Insurance is non-refundable due to its instant coverage benefits. However, our policies are designed to provide you with peace of mind for your existing flights. Just think of it as a small price for comfort!
Yes! Oona makes it easy to cover up to 3 additional family members or travel buddies -- just simply add their details while purchasing. For just ₱119/pax on top of your premium, everyone can enjoy the benefits of lounge access during delays.
Getting Oona Flight Delay Insurance is a breeze! Simply fill out a quick form online with your flight details and personl details as seen in your passport, settle payment through our many payment options, and that's it! You can have your insurance in seconds—easy peasy travel insurance!
If your flight is delayed by at least an hour, Oona will automtatically send you a lounge voucher as soon as the delay is announced. Simply present the lounge voucher at any of our partner lounges worldwide! Enjoy complimentary snacks, drinks, and a cozy environment while you wait. Travel bliss is just a delay away!
Oona covers flight delays caused by various factors, including weather, technical issues, or airline-related problems. As long as your flight is delayed by at least an hour, you can access our partner lounges and enjoy complimentary amenities!
This highly depends on which flights you included. Our Flight Delay covers you for up to four (4) flights.
For just ₱149, you get coverage for up to 4 flights! That's right—affordable peace of mind for your travel plans, ensuring you can lounge in style when delays happen. Say goodbye to airport boredom!
We must admit, this is a win for the airlines, and in this instance, your flight is on time, so hooray! The Flight Delay will not kick in, as your flight was on time.
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.
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!
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!
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!
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.
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!
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!
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!
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.
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!
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!
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.
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.
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!
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!
No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash
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, 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.
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.
Your cover starts on the insurance coverage start date as shown on the Policy Schedule. The Cancer Benefit starts after a 90-day waiting period.
You can buy cancer insurance online with no medical exams, just by answering 4 health questions to get insurance cover against cancer.
Cancer Insurance is a part of health insurance that specifically cover for lump sum payment once an insurance member is diagnosed with Cancer at any stage.
₱500,000 is the maximum protection you can buy under Oona Cancer Insurance.
When seeking the best insurance for cancer, it's essential to look for insurance policies specifically designed to cover cancer-related medical expenses, often referred to as "cancer insurance." These specialized insurance plans can provide financial support by covering costs not typically handled by standard health insurance.
Oona Cancer Insurance stands out with its tailored coverage, ensuring that patients and their families can focus on recovery without the burden of financial strain.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash.
₱500,000 is the maximum protection you can buy under Oona Stroke Insurance.
Coverage for stroke-related medical expenses varies by insurance policy. Standard health insurance may cover some treatment costs but often falls short in addressing all expenses, especially those related to critical illnesses such as heart attacks and strokes.
Recognizing this need, Oona Stroke Insurance offers a specialized solution designed to fill these gaps. Oona Stroke Insurance policy is specifically designed to provide comprehensive coverage for expenses associated with stroke treatment and recovery.
This depends on the type and severity of the medical condition you have or had, which will be delienated in the terms and conditions of your stroke insurance cover. To determine your eligibility, please complete the health declaration as part of the purchase process.
Your cover starts on the coverage start date as shown on the Policy Schedule. The Stroke Benefit starts after a 90-day waiting period.
You can buy Stroke insurance online with no medical exams, just by answering 4 health questions.
Some of the most common symptoms of Stroke can be:
Face Drooping: One side of the face may droop or become numb. Ask the person to smile to see if one side of the face is drooping.
Arm Weakness: One arm may become weak or numb. Ask the person to raise both arms to see if one arm drifts downward.
Speech Difficulty: Speech may be slurred, or the person may have trouble speaking or understanding speech. Ask the person to repeat a simple sentence and see if the words are slurred or the sentence is repeated incorrectly.
Stroke Insurance is a part of health insurance that specifically cover for lump sum payment once an insured member is diagnosed with Stroke.
No, medical check-up is not required to become a policyholder. All you need to do is answer 4 health declaration questions online.
Here are some major causes of stroke. Ischemic stroke, which is caused by blockages or narrowing of the arteries that supply blood to the brain, and Hemorrhagic stroke, which is caused by bleeding in or around the brain.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash.
No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.
Insurance coverage for heart attack expenses largely depends on the details of your policy. Many standard health insurance plans provide coverage for immediate medical treatments and hospitalization. However, the full spectrum of costs, including rehabilitation and lost income, might not be fully covered.
This is where the Oona Heart Attack Insurance plan comes into play. Tailored to offer a comprehensive safety net against critical illness, our plan provides a lump sum payment upon diagnosis of a heart attack.
Your cover starts on the coverage start date as shown on the Policy Schedule. The Heart Attack Benefit starts after a 90-day waiting period.
This depends on the type and severity of the medical condition you have or had. To determine your eligibility for a critical illness insurance policy, please complete the health declaration as part of the purchase process.
Sudden heart attacks, often resulting from coronary heart disease (CHD), are triggered by various underlying factors. Key factors contributing to the development of coronary heart disease and potentially leading to a sudden heart attack include, High Blood Pressure, High Cholesterol levels, Smoking, Diabetes, Obesity and Physical Inactivity.
₱500,000 is the maximum protection you can buy under Oona Heart Attack Insurance.
The difference between a mild and a major heart attack lies in the extent of the damage to the heart muscle and the symptoms experienced. In a mild heart attack, the blockage of the coronary artery is partial or temporary, resulting in less extensive damage to the heart muscle. Despite being labeled as "mild," it is still a serious medical condition that requires prompt treatment to prevent further damage to the heart. Major heart attack involves a complete blockage of one or more coronary arteries, leading to significant damage to the heart muscle. Symptoms are more intense and sudden, including severe chest pain, sweating, nausea, and shortness of breath.
You can buy Oona Heart Attack insurance online with no medical exams, just by answering 4 health questions.
Common foods known to increase heart attack risk include those high in saturated fats (such as red meat and full-fat dairy products), trans fats (found in many fried and processed foods), and excessive salt and sugar intake. Diets high in processed meats, low in fruits, vegetables, whole grains, and high in refined carbohydrates and sugary drinks are also linked to an increased risk of heart disease.
The five major cause of heart attack in the Philippines includes, coronary artery disease, high blood pressure, smoking, diabetes, poor diet and lack of physical activity.
The symptoms of heart attack may vary between individuals but there are several common signs to be aware of, like chest pain or discomfort, pain or discomfort in one or both the arms, the back, neck, jaw or stomach, shortness of breath, other signs may include nausea, vomiting lightheadedness, or unusual fatigue. Women more likely to experience shortness of breath, nausea/vomiting, and back or jaw pain.
Sudden heart attack occur when the blood flow to certain part of the heart is abruptly blocked, leading to the death of heart muscle cells. The primary cause of this sudden this sudden blockage is usually coronary artery disease where the arteries that supply blood to the heart muscle become narrowed due to a buildup of plaque (a mix of fat, cholesterol, and other substances).
Simply reach out to us or leave your contact details via our website, and an advisor will help you choose the best health insurance plan based on your lifestyle and health needs.
The maximum coverage for self-employed individuals is determined by their Gross Annual Income from the previous year, which can be verified through their Income Tax Return (ITR).
Yes, when your previous domestic employee leaves, their coverage stops automatically. However, you can extend coverage to the new domestic employee by informing the insurance company of the changes.
You can claim both the monthly shelter allowance and pension together as a single lump sum payment, along with your other benefits.
The limit of the personal accident insurance cover is determined by your gross annual income and occupation.
The insured has the option to transfer coverage to a new domestic employee twice per year
Yes, the domestic employee is covered as long as they are employed with you. Coverage ends when they leave or are replaced
Yes, you can apply for multiple personal accident insurance plans. Just make sure the total coverage amount doesn't exceed the maximum benefit permitted, which is determined by a percentage of your Gross Annual Income.
If a domestic employee dies in an accident while riding the employer’s vehicle, their beneficiaries are entitled to twice the face value.
If no beneficiary is named, the insurance proceeds would go to your estate or any relative by blood or marriage whom the Company considers entitled to the proceeds.
No. The increased hospital benefit limit shall remain the same.
Yes, the coverage is designed to support the educational expenses of up to four (4) children currently studying for the first five years after the insured's death.
You can get Personal Accident Insurance if you're between 18 and 60 years old, with the option to renew until you're 65. If you want to include minors aged 1 to 17, their parent or legal guardian must be the policyholder.
No, coverage for Unprovoked Murder and Assault is not automatic. It depends on the applicant's occupation and requires underwriting approval, as well as payment of an additional premium.
No, there's no restriction. The coverage extends anywhere in the world, 24/7, offering protection against medical expenses from injury.
To claim the daily cash benefits, you must be admitted to a hospital or clinic recognized by the Bureau of Medical Services for at least 24 hours. So, you need to stay there overnight to qualify.
Yes, if you're confined again within a year due to the same ongoing illness, the company will still cover your daily benefits.
The Company pays you directly, not the hospital. This means you can use the money freely for medicines, lab fees, medical expenses, etc.
Yes, if the insured dies, the company will cover hospitalization expenses for the insured's dependents up to the policy limit for the initial five (5) years of the insured's absence. This coverage applies regardless of whether the dependent's hospitalization is due to an accident or sickness.
A pre-existing illness is any medical condition you already had before your coverage began, whether you were aware of it or not. Unfortunately, losses due to pre-existing illnesses are not covered by the company.
You'll get your daily hospital cash benefits when you leave the hospital under the hospital cash plan. If you stay for more than 14 days, you can ask for an advance payment for the rest of your stay.
No, it's not automatically covered. But you can ask to add coverage for accidental death or permanent injury, which requires underwriting approval and an extra premium.
