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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.
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 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.
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.
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.
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.
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.
VTPL has a fixed premium determined by the coverage limit, ranging from ₱190 to ₱3,000.
Yes, car insurance for one, is subject to Value-added Tax (VAT) and Local Government Tax, including fees for authentication and documentary stamp.
You can still drive the vehicle without comprehensive insurance, except for CTPL, which is required for car registration.
It's recommended to get Comprehensive Insurance with Acts of Nature coverage, especially in the Philippines where natural disasters can happen.
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.
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.
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.
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.
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.
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.
No Fault Indemnity means our company will cover your accident expenses of up to ₱15,000, regardless of who's at fault.
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.
Car insurance is more than just a legal requirement, it’s a smart way to protect what matters to you. It covers costs from accidents, theft, and even natural calamities, so you won’t have to shoulder everything out of pocket.
In the Philippines, all vehicles need Third-Party Liability (TPL) insurance, but with Comprehensive Car Insurance, you can enjoy broader coverage and peace of mind every time you drive.
Because when you’re protected, every journey feels a little more worry-free.
Yes! Most comprehensive car insurance plans include Acts of Nature (AON) coverage, protecting your vehicle from damage caused by natural events such as storms, floods, earthquakes, and typhoons. If you choose a basic car insurance policy, AON may need to be added as an extra option.
With AON included in your plan, your car stays protected from the unpredictable, whether it’s a sudden downpour, flash flood, or a powerful typhoon.
At Oona Car Insurance, our most comprehensive plans come with AON protection plus extensive coverage for accidents, theft, fire, and more. That means you can drive with confidence knowing your car is safeguarded against both everyday risks and extreme weather. Choose the right Oona plan and enjoy complete peace of mind on every journey.
Many comprehensive car insurance policies in the Philippines include personal accident coverage, which helps cover medical expenses for you and your passengers in the event of an accident. However, coverage can vary, so it’s important to review your policy details to understand what medical benefits are included.
At Oona Insurance, our comprehensive car insurance plans often come with personal accident coverage as a standard feature. This provides peace of mind knowing that you and your passengers have financial protection for medical costs related to accidents. Choosing Oona means you get affordable, reliable car insurance with added protection for you and your loved ones during unforeseen incidents on the road.
The cost of car insurance in the Philippines depends on factors like your vehicle’s market value, coverage type, and added benefits. For comprehensive car insurance, premiums typically range from ₱15,000 to ₱25,000 for cars valued between ₱600,000 and ₱1,000,000.
Higher-value vehicles generally have higher premiums, but the protection is worth the investment. With comprehensive coverage, you’re safeguarded from accidents, theft, Acts of Nature, and third-party liabilities, helping you avoid expensive out-of-pocket costs.
Think of car insurance as financial protection and peace of mind every time you hit the road.
A car insurance policy deductible is the fixed amount you agree to pay out-of-pocket before your coverage takes effect. It’s like your financial threshold, once you cross it, your insurer takes care of the rest.
For example, with a ₱3,000 deductible: if your repair costs ₱13,000, you pay ₱3,000 and your car insurance covers the remaining ₱10,000. But if the bill is ₱2,900 (below your deductible) you’ll shoulder the full cost.
With Oona Car Insurance, we keep deductibles fair and transparent so you can choose the right balance between lower premiums and better protection.
Third-Party Car Insurance, or TPL car insurance, protects you from financial liability if you cause injury, death, or property damage to others in a road accident.
There are two main types:
CTPL (Compulsory Third Party Liability) – The basic car insurance required for LTO registration. It covers up to ₱200,000 for injuries or death of third parties.
VTPL (Voluntary Third Party Liability) – An optional upgrade that extends coverage limits from ₱50,000 to ₱1 million, protecting you from both bodily injury/death claims and property damage expenses.
CTPL ensures you meet the legal requirement, while VTPL gives you stronger financial protection for bigger risks on the road.
Filing a car insurance claim in the Philippines is straightforward when you follow these key steps. First, contact your car insurance provider immediately after the incident. You’ll need to submit important documents such as a police report, photos of the vehicle damage, and a valid driver’s license. Your insurance company will guide you through the claims process, which may include vehicle inspection and repair arrangements to ensure you receive the appropriate coverage and support.
At Oona Insurance, we pride ourselves on a hassle-free and efficient claims process. Our friendly and knowledgeable claims agents will assist you every step of the way, making sure you get the help you need quickly and smoothly. We understand that filing a claim can be stressful, so we aim to make the experience as easy and worry-free as possible.
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.
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.
Comprehensive car insurance in the Philippines is a premium coverage option that protects both you and your vehicle from a wide range of risks. This type of car insurance goes beyond basic coverage, offering financial protection for:
Vehicle damage or loss – Covers accidents, theft, fire, and Acts of Nature such as floods, typhoons, and earthquakes.
Third-party liability – Pays for injuries, death, or property damage you cause to other people.
Personal accident coverage – Protects you and your passengers in case of injury or death from a road accident.
By choosing comprehensive car insurance, you safeguard your finances from costly repairs, medical bills, and legal liabilities. It’s the most complete form of car insurance, giving you peace of mind every time you drive.
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.
The best car insurance in the Philippines for all-around protection is comprehensive car insurance. It offers wide-ranging benefits, including:
Many comprehensive car insurance plans also include perks like 24/7 roadside assistance, fast claims processing, and optional add-ons for even more protection. If you want complete peace of mind on the road, this is the ultimate choice.
To find the best car insurance provider in the Philippines, start by comparing insurance quotes, policy coverage options, and customer reviews. It’s also important to consider the company’s reputation, ease of the claims process, and additional benefits such as customer support, discounts, and flexible payment plans. Choosing a provider that offers reliable service and value for money ensures you get the best protection for your vehicle.
Oona Insurance is a leading choice for comprehensive car insurance in the Philippines. With a wide range of coverage options, competitive rates, and excellent customer service, Oona delivers a complete insurance solution tailored to your needs. Our dedication to outstanding value and support makes us a trusted partner for Filipino drivers seeking affordable and dependable car insurance.
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.
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.
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, 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Yes! We offer 24/7 roadside assistance, including towing, tire changes, and fuel delivery, so you’re never left stranded.
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.
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.
We offer flexible payment options, including monthly, quarterly, and annual plans, to fit your or your business’s cash flow and budget.
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 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.
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.
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!
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.
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.
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! 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, our policy also provides coverage for drivers and passengers, including medical expenses in case of an accident. Keeping your team safe is our priority!
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.
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.
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.
Travel insurance provides financial protection against unforeseen events such as trip cancellations, flight delays, lost luggage, or medical emergencies during your trip. It ensures you receive assistance and reimbursement for covered incidents, helping you travel with confidence and security.
Oona Travel Insurance offers comprehensive coverage with cashless medical access, 24/7 support, and flexible plans designed to fit your travel needs, whether for a single trip or multiple journeys throughout the year.
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.
If your checked baggage is lost, delayed, or missing, it’s important to act quickly to protect your claim rights. Follow these two essential steps:
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.
Oona Travel Insurance stands out for its premium global coverage, strong financial protection, and hassle-free assistance network. We offer up to ₱5 million in benefits for medical emergencies, personal accidents, and travel inconveniences, supported by a 24/7 international assistance hotline.
Our commitment is simple: trusted comprehensive protection, wherever you go.
| Type of Travel Insurance | Best For | Key Coverage | Why Choose This Plan |
|---|---|---|---|
| Single-Trip Travel Insurance | Occasional travelers taking one trip at a time | Medical emergencies, trip cancellations, lost baggage, and flight delays | Ideal if you travel once or twice a year and want comprehensive coverage for each trip. |
| Annual Multi-Trip Travel Insurance | Frequent travelers with multiple trips per year | All benefits of single-trip plans for unlimited trips within a year | Saves time and money with year-round protection—no need to buy insurance each time you travel. |
| Schengen Visa Travel Insurance | Travelers visiting Europe (Schengen Area) | Medical coverage meeting Schengen visa requirements | Ensures you meet visa requirements and stay protected during your European travels. |
| Customizable Oona Travel Insurance | Any traveler who wants flexible protection | Core benefits plus optional add-ons (e.g., COVID-19 coverage, hazardous sports protection) | Lets you tailor your coverage to your destination, activities, and needs for every journey. |
| Type of Travel Insurance | Coverage Period | Best For | Key Coverage | Why Choose This Plan |
|---|---|---|---|---|
| Single-Trip Travel Insurance | One journey from departure to return | Occasional travelers or one-time vacationers | Medical emergencies, trip cancellations, lost baggage, and flight delays | Ideal if you travel once or twice a year and want full protection for a specific trip. |
| Annual Multi-Trip Travel Insurance | Unlimited trips within 12 months | Frequent or business travelers | All benefits of a single-trip plan, valid for every trip in a year | Saves time and money with year-round protection—no need to buy insurance for each trip. |
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.
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!
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.
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!
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!
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) 8876 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!
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.
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!
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!
This highly depends on which flights you included. Our Flight Delay covers you for up to four (4) flights.
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!
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!
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.
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.
Unfortunately, we do not cover this if the airline has been responsible and has informed you about the delay in advance.
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.
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! 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!
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!
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!
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!
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!
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!
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.
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!
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.
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!
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.
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!
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 buy cancer insurance online with no medical exams, just by answering 4 health questions to get insurance cover against cancer.
No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.
₱500,000 is the maximum protection you can buy under Oona Cancer Insurance.
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.
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.
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.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash
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.
You can buy Stroke insurance online with no medical exams, just by answering 4 health questions.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash.
No, medical check-up is not required to become a policyholder. All you need to do is answer 4 health declaration questions online.
₱500,000 is the maximum protection you can buy under Oona Stroke Insurance.
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.
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.
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.
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.
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.
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.
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.
You can buy Oona Heart Attack insurance online with no medical exams, just by answering 4 health questions.
No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.
₱500,000 is the maximum protection you can buy under Oona Heart Attack Insurance.
You can pay online via credit or debit card, or via e-Wallets: Maya or GCash.
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.
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.
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).
For medical care with cashless transactions, you may request a Letter of Authorization (LOA) through the Mediflex Customer Portal prior to your treatment. For emergency cases, you may go directly to any of Oona’s 1,500+ accredited hospitals for immediate treatment. If you paid out-of-pocket at non-accredited hospitals, you can file a reimbursement claim online via Mediflex.
For travel disruptions, accidents, or injuries, simply submit your claim through the online claims portal. Need help? Oona’s 24/7 global assistance team is ready to support you anytime, anywhere.
Premiums depend on your age, coverage area, plan level, and medical history. You can request a personalized quote from Oona Insurance to see the best international health insurance option that fits your lifestyle and budget.
For medical care with cashless transactions, you may request a Letter of Authorization (LOA) through the Mediflex Customer Portal prior to your treatment. For emergency cases, you may go directly to any of Oona’s 1,500+ accredited hospitals for immediate treatment. If you paid out-of-pocket at non-accredited hospitals, you can file a reimbursement claim online via Mediflex.
For travel disruptions, accidents, or injuries, simply submit your claim through the online claims portal. Need help? Oona’s 24/7 global assistance team is ready to support you anytime, anywhere.
If you’re availing these services from a non-accredited provider, you may file for reimbursement via the Mediflex Customer Portal.
For accredited or network providers, we can issue a Letter of Authorization (LOA) before your visit. Kindly note that the LOA is valid for three (3) days from the date it’s issued.
Just visit the myoona.ph, answer a few simple questions, and get a personalized quote. You can apply completely online quick, easy, and secure.
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.
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.
You can claim both the monthly shelter allowance and pension together as a single lump sum payment, along with your other benefits.
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.
If a domestic employee dies in an accident while riding the employer’s vehicle, their beneficiaries are entitled to twice the face value.
Yes, the domestic employee is covered as long as they are employed with you. Coverage ends when they leave or are replaced
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.
The insured has the option to transfer coverage to a new domestic employee twice per year
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.
The Company pays you directly, not the hospital. This means you can use the money freely for medicines, lab fees, medical expenses, etc.
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, 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.
Yes, if you're confined again within a year due to the same ongoing illness, the company will still cover your daily benefits.
No. The increased hospital benefit limit shall remain the same.
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.
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.
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.
The limit of the personal accident insurance cover is determined by your gross annual income and occupation.
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.
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).
