Filipino families can now secure health insurance and HMO coverage starting at ₱48 per month through expanded digital offerings on the GCash app, providing financial relief against both routine medical expenses and critical health emergencies.
Through its GInsure platform, GCash has partnered with insurance providers Oona Insurance and KwikCare to offer digital-first health products designed to reach underserved segments, including freelancers, gig economy workers, small business owners, and families without employer-sponsored health benefits.
The initiative addresses a major vulnerability for local households, where out-of-pocket medical expenses often present severe financial strain during sudden health crises.
Critical Illness and Accidental Coverage
Under the partnership, Oona Insurance provides the Oona All-in-One Health Plan, targeting major health events.
Key details of the plan include:
- Starting Rate: ₱48 per month per individual.
- Family Coverage: Allows protection for up to four family members.
- Coverage Limit: Up to ₱100,000 in benefit coverage.
- Payout Structure: A 100% lump-sum cash payout upon diagnosis of covered critical illnesses, including cancer, stroke, and heart attack.
- Additional Benefits: Accidental disability coverage and daily hospital allowances to mitigate income disruption during hospital stays.
Flexible HMO Options for Everyday Healthcare
To cover daily healthcare necessities, KwikCare HMO offers a flexible alternative to traditional annual corporate health plans.
Key features include:
- Starting Rate: ₱995 per month.
- Maximum Benefit Limit: Tiers scaling up to ₱350,000.
- Network Access: Cashless medical visits across more than 2,000 accredited hospitals and clinics nationwide.
- Medical Scope: Coverage for doctor consultations, laboratory tests, and both inpatient and outpatient procedures.
- Dependent Extension: Policyholders can add spouses, children, or parents as dependents directly within the app without long-term corporate commitments.
The flexibility of the plan is particularly suited for managing routine medical care and seasonal illnesses, such as flu season during the year-end months.
How to Apply via GInsure
Enrollment in both plans is fully digitized and can be completed within the GCash application through the following process:
- Open the GCash app, navigate to GInsure, and select Health.
- Choose either Oona Insurance or KwikCare HMO, input the required personal details, and answer four basic health assessment questions.
- Review the policy details, confirm the purchase, and complete the transaction.
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