Critical Illness Insurance

The following are the 51 covered critical illnesses.  We encourage you to read the Terms and Conditions for the definition of the critical illnesses.

1. AIDS due to blood transfusion
2. AIDS due to occupational accident
3. Alzheimer’s Disease (Benefit limited to 25%)
4. Angioplasty and Other Invasive Treatments for Coronary Artery Bypass Surgery (Benefit limited to 10%)
5. Aphasia
6. Aplastic Anemia
7. Bacterial Meningitis
8. Benign Brain Tumor
9. Blindness
10. Cancer
11. Carcinoma-In-Situ (Breast, Cervix Uteri, Prostate, Testicles) (Benefit limited to 25%)
12. Cerebral Aneurysm Requiring Surgery (Benefit limited to 25%)
13. Chronic Adrenal Insufficiency
14. Chronic Relapsing Pancreatitis
15. Coma
16. Coronary Artery Bypass Surgery (Benefit limited to 25%)
17. Creutzfeldt-Jacob Disease (Mad Cow Disease)
18. Deafness
19. Dissecting Aortic Aneurysm
20. Ebola
21. Elephantiasis
22. Encephalitis
23. End Stage Liver Disease
24. End Stage Lung Disease
25. Fulminant Hepatitis
26. Heart Attack
27. Heart Valve and Structural Surgery
28. Idiopathic Dilated Cardiomyopathy
29. Major Burns
30. Major Head Trauma
31. Major Organ Transplant
32. Medullary Cystic Disease
33. Motor Neuron Disease
34. Multiple Sclerosis
35. Muscular Dystrophy
36. Myasthenia Gravis
37. Necrotizing Fasciitis (Flesh Eating Disease)
38. Paralysis
39. Parkinson’s Disease
40. Poliomyelitis
41. Primary Pulmonary Arterial Hypertension (Benefit limited to 10%)
42. Progressive Systemic Sclerosis
43. Renal Failure
44. Rheumatoid Arthritis (Benefit limited to 10%)
45. Severance of Limbs
46. Severe Asthma (Benefit limited to 10%)
47. Severe Osteoporosis
48. Stroke
49. Surgery to Aorta
50. Systemic Lupus Erythematosus
51. Vegetative State

1.   You cannot claim for your pre-existing medical conditions found within two years preceding the policy’s effective date.  However, any pre-existing condition first found 2 years before the policy’s effective date but have already recovered and without any treatment, consultation, prescribed drugs, or any more symptoms within the 2 years before the policy’s effective date will no longer be treated as a pre-existing condition.

2.  You cannot claim for any critical illness diagnosis occurring 90 days after the effective date of the policy.

3.  There are exclusions to the coverage of this policy, such as illnesses due to the influence or effects of alcohol or drugs. For complete details on this, please read the Terms and Conditions.

4.  The critical illness of the insured must be one of the 51 covered critical illnesses and must be the first diagnosis by a Registered Medical Practitioner to claim any of the benefits of this insurance.

5.  The value added benefits reimburse the actual expenses up to maximum amount indicated on the policy benefit schedule.

Cancer Surgical Treatment Benefit – reimbursement of actual expenses for the surgical fees for the treatment of cancer

                Dietary and Nutritional Therapy Benefit – reimbursement of actual expenses for the
                cost of any Dietary and Nutritional Therapy as treatment for reclaiming your health

Home Accessibility Benefit – reimbursement of actual expenses for the cost of altering or renovating your principal residence after suffering a Stroke or a covered Cancer so your residence can be more accommodating and accessible

6.  Only the insured person can claim the benefits. In the event that he or she is a minor, or has a condition, a legal guardian may claim the benefits for them. To know more about this, please contact us at +63 (2) 8838-2364 or email us at bdo-insure@bdo.com.ph

Disclaimer: These are only general descriptions of the benefits of the insurance product. We encourage you to learn more on how it can help secure your finances. The terms and conditions of the insurance product will apply.  The product details are valid as of today and may be changed without prior notice. 

The Critical Illness Plan provides you with a lump-sum cash assistance amount that you can use for your treatment of your diagnosed critical illness.  This pays on top of your other existing life insurance, health card, and PhilHealth. 

This insurance policy also has a wider age eligibility, so it is advisable to get one for family members who are no longer eligible for a life insurance or health card.

Kindly fill-out the Claims Form and submit the medical and hospitalization records to BDO Insure at bdo-insure@bdo.com.ph. You may also contact us at +62 (2) 8838-2364 and we will guide you through the process.

For a one-year Critical Illness Plan with Php 500,000 coverage, you only have to pay Php 9,100 (P1,820 x 5).

No. The Waiting Period states the first diagnosis of the critical illness must be 90 days from the effective date of the Critical Illness Plan to be eligible to claim on the insurance.