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Buying an Health Insurance Plan is one of the best financial decisions I’ve made for myself. It’s like a 3-in-1 plan (covers health + death + accident) with very affordable premiums. Now, I’m even more confident to face life’s challenges because I’m more secured.
Pasig City, Metro Manila
The name says it all. It’s Pinoy! I was looking for some time now for an insurance product and this makes a very good entry. No hassle, just within my budget, and perfect coverage for my needs!
Quezon City, Metro Manila
At Insurance Pinoy, we don’t just sell policies; we empower you to make the right financial decisions. As your trusted insurance broker, we do the heavy lifting for you—comparing the Philippines’ leading providers to find the perfect fit for your health, family, and assets. Whether you’re looking to grow your finances or secure your legacy, we provide the expert comparison and personalised guidance you need to choose with confidence.
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Achieve More with a Life Insurance Company in the Philippines
We, Insurance Pinoy, are here every step of the way to guide you in choosing the right path to your financial security and success. Let us be your partner and offer you solutions depending on your financial plans taking into consideration your current financial situation. With us, you and your family will be able to enjoy an esteemed life and a confident future.
Client Success Stories
Allianz Well! Member
Makati City, Metro Manila
Allianz Well! Member
Allianz Well! Member
Insurance FAQs
In the Philippine context, health insurance is a plan that covers medical expenses like hospital room and board, surgery, and laboratory tests. You pay a premium to a provider, and in return, they cover your bills up to a specific MBL (Maximum Benefit Limit). We help you navigate whether a short-term HMO or a long-term Medical Insurance plan is better for your current life stage.
How does it coordinate with PhilHealth? Private health insurance in the Philippines usually works on a “Net of PhilHealth” basis. This means your private provider will only pay the balance after your PhilHealth benefits have been deducted. If you don’t have PhilHealth, you may have to pay that portion out-of-pocket, which is why we always recommend keeping your PhilHealth contributions active.
Can I use my health insurance for any hospital? It depends on your Network. Most HMOs require you to go to “Affiliated Hospitals” and see “Affiliated Doctors” to enjoy Cashless Benefits. If you go “Out-of-Network,” you might have to pay first and file for Rebursement later, which can be a tedious process.
What is a “Critical Illness” rider? Unlike a standard HMO that pays the hospital, a Critical Illness plan gives you a Lump Sum Cash Payout if you are diagnosed with a major disease like Cancer or Stroke. This money is yours to use for recovery, lost income, or experimental treatments.
Car insurance is a contract where an insurance company covers the financial loss resulting from a vehicular accident, theft, or damage. In the Philippines, you pay an annual Premium, and the insurer pays for repairs or legal liabilities. As your broker, we compare Commercial and Private rates to ensure you aren’t overpaying for your “Market Value.”
What is the difference between CTPL and Comprehensive Insurance?
CTPL (Compulsory Third Party Liability): This is required by the LTO for vehicle registration. It only covers death or injury to a third party (people outside your car). It does not cover damage to your own vehicle.
Comprehensive Insurance: This is optional but highly recommended. It covers own-damage, theft, fire, and Acts of Nature (AON), protecting your actual investment.
What happens if I get into an accident? You must file a Claim. This involves submitting a Police Report or an Affidavit, photos of the damage, and your license. Once approved, the insurer issues a LOA (Letter of Authorization) to an “Accredited Repair Shop” to fix your car.
Do I have to pay anything when I make a claim? Yes, this is called the Deductible or Participation Fee. It is a fixed amount (usually ₱2,000 to ₱5,000 for private cars) that you pay out-of-pocket before the insurance company covers the rest of the repair bill.
Travel insurance is a specialized policy that covers financial losses and emergencies while traveling locally or abroad. You pay a one-time Premium based on your trip duration, and the insurer provides coverage for medical costs, flight delays, or lost items. As brokers, we ensure your policy is Schengen-accredited if you’re heading to Europe or has high Medical Limits for expensive regions like the USA.
Is travel insurance mandatory for Filipinos? It depends on your destination. For Schengen Visa applications (Europe), it is strictly mandatory with a minimum medical coverage of €30,000. For other countries like Japan or the USA, it is highly recommended because a single hospital stay abroad can easily exceed ₱1 Million.
Does it cover flight delays and cancellations? Yes, but with conditions. Most Philippine policies offer Trip Inconvenience benefits. If your flight is delayed for more than 6 hours (standard for most local providers), you can claim a fixed amount for meals or hotel stays. If the trip is cancelled due to a covered reason (like a sudden illness or a typhoon), you can get a refund for non-refundable bookings.
How do I make a claim while I’m abroad? The most important step is to call your provider’s 24/7 Global Assistance Hotline immediately. For medical emergencies, they can often arrange Cashless Settlement so you don’t have to pay out-of-pocket. For lost items, you must secure a Property Irregularity Report (PIR) from the airline or a police report from local authorities.
What is a Surety Bond and how does it work? A Surety Bond is not a typical insurance policy. It is a three-party agreement where the insurance company (the Surety) guarantees to your client (the Obligee) that you (the Principal) will fulfill your contract. If you fail to deliver, the Surety pays the client, but—unlike traditional insurance—the Surety will then collect that amount back from you.
What is “Home and Building” (Property All Risk) insurance? In the Philippines, business property is usually covered under Property All Risk (PAR). This goes beyond basic fire insurance to cover theft, accidental damage, and—crucially for our local climate—Acts of Nature (AON) like typhoons and floods. It protects your physical structure, machinery, and inventory.
What is Engineering Insurance (CAR/EAR)? These are specialized policies for construction and technical projects:
Contractors’ All Risk (CAR): Protects civil engineering works (buildings, roads, bridges) against damage during construction.
Erection All Risk (EAR): Focuses on the installation of machinery and equipment (e.g., setting up a new factory line or power plant).
Why do I need these for my business? Most LGUs require Fire Insurance for business permits, while banks require Property Insurance for loans. For contractors, Surety Bonds are mandatory for bidding on government (DPWH) or large private projects.
Life insurance is a contract between you and an insurance provider. You pay a regular premium, and in exchange, the company provides a tax-free Death Benefit (payout) to your family if something happens to you. As independent brokers, we compare different providers to ensure you get the highest coverage for the lowest possible cost.
What is the difference between “Term” and “VUL”? In the Philippines, these are the two most common types:
Term Insurance: Pure protection for a set period (e.g., 5, 10, or 20 years). It is the most affordable way to get high coverage.
VUL (Variable Unit-Linked): A “2-in-1” plan that combines life insurance with an investment component (mutual funds). A portion of your premium goes toward insurance, and the rest is invested.
Who are the “Beneficiaries”? These are the people you designate to receive the insurance payout. In the Philippines, these are usually your spouse, children, or parents. It is vital to keep your beneficiaries updated to ensure a smooth claims process.
Is life insurance taxable in the Philippines? Generally, life insurance proceeds paid to “irrevocable” beneficiaries are exempt from estate tax. This makes it one of the most effective estate planning tools for Filipino families.