Protection
Put yourself at ease by protecting those you love
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{{label}}Health
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A total protection solution and investment-linked life and health insurance that offers better value for your money, so that you and your loved ones can focus on what matters most.
You will receive a cash benefit when diagnosed with any of the covered 57 Major Critical Illnesses up to 80 years old.
You will receive a cash benefit when diagnosed with any of the covered 34 Minor Critical Illnesses up to 80 years old. You can receive 25% of the Critical Protect 80 cash benefit in advance after diagnosis.
Ensure that your little ones get access to the best medical care in case of serious illness, without worrying about funds.
Protect your family with a life insurance benefit. BPI AIA will provide a lump sum cash benefit to your family.
Get a cash benefit for each day of confinement.
Build a Health Fund that accumulates over time depending on the performance of your chosen investment funds.
Total Care Max can also help you live a healthier lifestyle. Plus, you'll even get rewards just by staying active!
What is Life Insurance?
A lump sum payment, known as a death benefit, that the insurance company provides to beneficiaries upon the insured's death.
What is Premium?
This is the cost of your insurance policy and may be paid monthly, quarterly, semi-annually, or annually.
What is AIA Vitality?
AIA Vitality is a unique science-backed wellness programme that rewards the insured when he/she take steps to be healthy.
Total Care Max is an peso-denominated unit-linked insurance product that packaged with Critical Illness and Waiver of Premium for Critical Illness riders. Total Care Max product is available in 20-years, 10-years and Pay-to-age-65 pay variant, with the convenience of placing additional investments through Top-Ups.Total Care Max product will be integrated with Vitality.
With Total Care Max, you can build your savings and put all your energy and focus on achieving your life goals. You may choose a maximum of 2 funds among the 2 available funds -
* BPI-Philam Peso Bond Fund
* BPI-Philam Equity Index Fund 2
These underlying investment funds are being managed by BPI Asset Management and Trust Corporation (BPI-ATMC).
Purchasing a unit-linked life insurance product has its advantages and trade-offs. Investing in a unit- linked product, you must understand that the product may be subject to investment risks which include, but are not limited to interest rate risk, market/price risk, liquidity risk, credit/default risk, reinvestment risk, foreign exchange risk, and country risk which could affect the value of the policy. The Company is guided by Investment Policies and Guidelines in managing these risks; however, this does not guarantee investment returns nor protection against capital loss. To further understand the nature of the said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.
Payment of benefits are subject to the terms, conditions, definitions, exclusions, and limitations found in the policy contract.
The Policy will terminate in the event of any of the following:
- Upon death of the Insured
- Upon reaching age 80 of the Insured
- Upon non-payment of premiums
- Upon written notice to terminate the Policy
Actual terms and conditions of MedLife Protect Plus are found in the Policy. In case of conflict, the Policy terms shall prevail.