We're here to assist and guide you. Our FAQ page is your resource for addressing concerns, providing comprehensive, clear, and supportive answers.
content
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.
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.
Payment of Health Insurance or Personal Accident Insurance premiums can be made by:
Bank transfers
Full Payment using Credit Cards and Debit Cards from all issuing banks
The coverage provided by Health Insurance is for a period of 12 (twelve) months.
The customer can submit a claim after the policy is activated, as long as the policy is still valid.
You can fill out the Health Claim Reporting form found on the Claim Reporting page on the OONA website. To submit a claim and further information, please contact the 24-hour Call Center at (021) 280 90123. You can also submit a claim through the OONA Health Apps.
You can contact the Marketing Team at the OONA Insurance Branch and Marketing Office. You can find a list of addresses and telephone numbers of OONA Insurance Marketing and Branch Offices on the Customer Support page. In addition, you can also fill in your personal data in the form on the Health Insurance and Personal Accident Insurance product pages, and we will contact you soon.
Immediately contact the nearest Branch and Marketing Office, by bringing a letter of loss, or by calling the 24-hour Call Center at (021) 280 90111 which will assist you in arranging a duplicate policy.
You can find a list of OONA Health Provider on the Hospitals Partners page.
If your trip is cancelled, your travel insurance typically covers the expenses. This includes reimbursement for unused travel, accommodation, meals, and prepaid activities due to unforeseen events such as death, injury, illness (excluding pre-existing conditions), court summonses, serious home damage, job loss, and more. The coverage starts from when you purchase the policy and lasts until you board your transportation.
Overbooking happens when the airline sells more seats than they have available. If your flight is delayed by over 6 hours because of overbooking, the policy covers reasonable costs for meals, lodging, and airport transfers, as long as the airline or others didn't already provide these for free.
Travel insurance isn't required for traveling within the Philippines, or many other places in Asia and worldwide. But if you're heading to Schengen countries, you need international travel insurance, with at least 30,000 EUR coverage. While not necessarily needed elsewhere, we strongly recommend securing travel insurance to ensure a smoother and worry-free experience during your travels.
No, we don't cover pre-existing conditions initially. However, we do provide first medical aid for emergencies, which includes treatment at hospitals, surgeries, and ambulance services. If it turns out that your condition existed before you got the insurance, we won't cover any further treatments related to it. If your initial coverage limit is reached before we can determine if it's a pre-existing condition, we'll keep providing assistance until we have a diagnosis. If it's not pre-existing, you'll get the regular medical benefits. But if it is, you'll need to pay for any extra costs beyond the initial limit and any excess charges.
Travel insurance doesn't usually cover:
1. Actions by the Insured: Such as misconduct, criminal activities, fraud, negligence, recklessness, or mental disorders.
2. Natural Disasters: Like floods, earthquakes, or volcanic eruptions.
3. Terrorism and Conflicts: Including incidents related to terrorism, uprisings, wars, or conflicts.
4. Risky Activities: Such as hazardous sports or dangerous recreational activities.
5. Travel Advisories: Losses in areas with "DO NOT TRAVEL" warnings or due to government actions.
6. Pre-existing Conditions: Such as known health conditions, self-harm, or substance misuse.
7. Other Exclusions: Like personal errors, financial failures of providers, or major unforeseen events.
These exclusions help define what's covered and manage risks.
Definitely! With Oona Insurance Travel Online, you can easily purchase travel insurance, anytime, anywhere, and as quickly as possible -- even while waiting for your flight. Just head over to www.myoona.ph and select the Oona travel insurance plan that's right for you. You'd get your policy straight to you inbox with just a few clicks.
There are just two (2) important steps to make a claim for your lost luggage:
1. Notify the Airline via their Customer Service
2. Report the incident by calling our 24/7 Hotline numbers: +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH), and our team will guide you throughout the whole claims process.
Yes! While airlines typically offer travel insurance as an add-on, you can still avail travel insurance from providers like Oona Insurance. Just be sure to purchase at least a day before you are scheduled to fly out!
Your policy does not cover COVID-19 by default, but you can easily get travel insurance with COVID-19 coverage as an add-on.
This add-on covers medical treatment/expenses, repatriation of mortal remains, and reimbursements for when your trip is cancelled or cut short, because of COVID-19.
The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.
Though this is not mandatory, we recommend getting travel insurance for any trip so you can be covered for important things, and you can enjoy hassle-free travels, with no worries.
Your policy kicks in if your outgoing or incoming flight is delayed for more than six hours due to bad weather, technical issues, or actions by authorities.
For an additional premium, participation in certain hazardous sports can be covered, such as:
- Abseiling
- Ice-skating
- Off-road mountain biking
- Ice hockey, canyoning
- Bobsleighing, rodelen
- Downhill skiing, langlaufen on the normally marked public open pistes
- Snowboarding
- Big foot skiing
- Ballooning (as part of a guided tour)
- Mono-skiing; and
- any sport with a increased risk of accidents
However, it doesn't cover participating in competitions or tournaments organized by sports federations or similar groups.
Yes, you may still update your flight details before your travel insurance policy starts.
Picking the perfect travel insurance in the Philippines is important for hassle-free journeys. The best policies are the ones that cover a wide range of situations, from trip cancellations to medical expenses, travel assistance, and lost luggage, all while offering exceptional customer service.
Oona Travel Insurance provides personalized and extensive coverage for all travelers, ensuring your peace of mind throughout your trip. Oona lets you enjoy seamless travel protection throughout your dream adventures. Ready for your next adventure? Get Oona Travel Insurance Philippines!
You must immediately contact our 24/7 hotline number at +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH) or email us at travelassist@oona-insurance.com.ph. Be sure to provide us the following information:
- Personal Information.
- Policy Number.
- Contact Numbers (mobile/hotel/residence).
- Location - Sickness/injury.
Your policy begins an hour before your scheduled departure, stays active throughout your trip, and ends one hour after your scheduled or actual arrival, whichever comes first.
With cashless medical assistance, you can get medical care without paying upfront at hospital. The insurance company pays the hospital directly, so you don't have to pay out of your pocket and request reimbursement later.
Absolutely! It's important for Filipino travelers to get their own travel insurance plan. Having insurance covers you from unexpected events and gives you peace of mind on your journey. Choose a policy that fits your needs, covering cancellations, medical emergencies, and more. Make sure your travels are protected with the right insurance.
This insurance covers the costs when cancelling a trip before leaving the Philippines. It reimburses you for non-refundable things like flights, hotels, meals, and activities you've already paid for but can't use. These may occur due to unforeseen circumstances such as death, injury, illness (except for existing conditions), court appearances, significant home damage, job loss, and more.Your insurance policy starts from when you purchase it and lasts until you board your transportation.
No, but we can extend your coverage to include your cruise trip, for an additional premium.
Our travel insurance with COVID-19 coverage starts at an unbelieveably affordable price of ₱ 299!
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) 09209186242 or (Globe) 09175187175 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.
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.
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.
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).
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.
For Accident and Travel Claims, it takes 1-3 working days, except for Death Claims which takes 10-15 working days.
For Property and Miscellaneous Claims, expect 5-10 working days from the date of submission of complete documents if handled by an internal claims adjuster, and from the date of submission of the final report if handled by an external claims adjuster.
You may call us at our hotline (02) 8764400. Just have your claim number ready, which was provided by our First Notice of Loss (FNOL) personnel, and we'll be happy to update you on the status.
Click here to download the claim forms online
You may simply click here to report a claim online. You can also report a claim through (02) 8876-4400 for landline, 09209186242 (Smart), or 09175817175 (Globe). We are also ready to assist you with your claim through email at fnolclaims@oona-insurance.com.ph for motor claims, or at pcm_claims@oona-insurance.com.ph for non-motor claims.
For straightforward claims, it usually takes 1-3 working days after submitting the complete requirements. This applies to claims amounting to PHP 50,000 or below.
For larger claims above PHP 50,000, the processing time is 7-10 working days.
For Total Loss claims, it may take at least 15 working days.
Please do not dispose of any damaged items until the inspection or investigation is completed, unless instructed by an Oona representative.
Once we receive your complete documents, our team will begin processing your claim. If your claim is approved, we’ll promptly communicate a settlement offer to you. This offer will outline the compensation you’re eligible to receive based on our assessment. Upon your acceptance of the settlement offer, we’ll initiate the payment process, ensuring timely disbursement of the approved amount.
You can find the list of required claim documents by clicking here .
Note: The list provided is a general guide, and the Company may request additional documents during the actual claim processing.
If you need roadside assistance, you may call our partner Pacifico Assistance at (02) 84594727.
If the damage is minimal, yes, you can go ahead and have your property fixed. Just remember to take photos before the repairs.
For substantial losses, our Claims Representative will guide you after the inspection.
For Fire Incidents: Call the Bureau of Fire Protection or the nearest authority right away. Safety first!
For Robbery or Burglary: In case of theft or burglary, report it to the nearest Police Station. They’ll assist you promptly.
For Catastrophic Incidents: Always keep your local Emergency Hotlines handy. These numbers are crucial during emergencies. Contact these numbers immediately for assistance during catastrophic incidents.
Document the scene by taking photos of any damaged items. Visual evidence will help with your claim processing. Then, notify OONA Insurance immediately.
For Own Damage or Theft motor claims:
Police Report, Affidavit, or Incident Report Form
Registration Certificate and Official Receipt
Driver's License and its Official Receipt
For Third-Party Property Damage motor claims:
All requirements listed above for Own Damage claims
Registration Certificate and Official Receipt of the third party's vehicle
Driver's License and Official Receipt of the third party
Certificate of No Claim from their insurer
For Third Party Bodily Injury motor claims:
All requirements listed above for Own Damage claims
Medical certificate, medical receipts and bills
Death certificate (if filing for a death claim)
For Carnap Claims:
All requirements listed above for Own Damage claims
Alarm Sheet (Flash Alarm or Nationwide Alarm)
Complaint sheet
Certificate of non-recovery
It's always best to have these documents prepared to ensure a smooth claim process. If you need any further assistance, don't hesitate to reach out and we will be happy to help!
Simply click here to see the list of trusted Oona partner workshops near you. They're equipped to handle all your repair needs.
