Skip to main content
  • Search
  • Home
  • Our Products
    • Protection
    • Health
    • Savings
    • Wellness Series
    • Insurance with investment
    • BPI AIA Direct
    • Partnership Insurance
    • Corporate Solutions
  • Key Moments
    • Building My Wealth
    • Getting Married
    • Becoming A Parent
    • Working Abroad
    • Planning For Retirement
    • Running A Business
  • About Us
    • Our People
    • Media Center
    • Corporate Governance
    • Our Commitments
    • Events & Promotions
    • Careers
    • Our Customer Charter
    • Our Internet Security Arrangement
  • Claims & Support
    • Contact Us
    • Contact Info Update
    • BPI AIA Funds
    • Payment Facilities
    • Benefit Payout Enrolment
    • Frequently Asked Questions
    • Claims Guide
    • Forms Library
    • Bill of Rights of Policyholders
  • Total Health Solution
    • Live Better
    • Get Better
    • Protect Better
    • My AIA PH
  • My BPI AIA
    • Bancassurance Portal
    • My AIA
    • REQUEST My AIA ACCESS
    • Bancassurance 101
BPI AIA
BPI AIA BPI AIA
  • Our Products

    Our Products

    Find a life insurance plan according to your needs

    SEE MORE

    For Individuals

    For Corporations

    • Protection

      Put yourself at ease by protecting those you love

    • Health

      Protect yourself from unforeseen medical costs and focus on getting better

    • Savings

      Make saving for the future within your reach

    • Wellness Series

      Protection solutions that reward your healthy choices

    • Insurance with investment

      Make the most out of your hard-earned money

    • BPI AIA Direct

      Affordable protection products readily available

    • Partnership Insurance

      Affordable insurance to protect yourself and your family

    • Corporate Solutions

      Protect your company's best assets

  • Key Moments

    Key Moments

    Where are you in life's key stages?

    VIEW ALL KEY MOMENTS
    • Building My Wealth

      Setting yourself up for success

    • Getting Married

      Embark on a beautiful journey as husband and wife

    • Becoming A Parent

      Preparing your child's future

    • Working Abroad

      Setting aside in order to come home for good

    • Planning For Retirement

      Having time to do things that you have always wanted to do

    • Running A Business

      Take care of your most important asset

  • About Us

    About Us

    BPI AIA is a partnership of financial icons

    Know more
    • Our People

      The foundation of our success

    • Media Center

      News and information about BPI AIA

    • Corporate Governance

      ASEAN Corporate Governance Scorecards

    • Our Commitments

      Partnerships and community initiatives

    • Events & Promotions

      Here’s what’s happening in BPI AIA

    • Careers

      Explore opportunities to bring real ambition to life

    • Our Customer Charter

      This is our commitment to you.

    • Our Internet Security Arrangement

      Safeguarding your data.

  • Claims & Support

    Claims & Support

    We strive to provide the best service for our customers

    Contact BPI AIA
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • Contact Info Update

      Easily update your contact information with us to receive timely updates on your policy.

    • BPI AIA Funds

      BPI AIA and Ayala Life Funds Information

    • Payment Facilities

      We make it easy to pay your premium. Choose the best payment option for you.

    • Benefit Payout Enrolment

      Receive your benefits via our convenient payout options.

    • Frequently Asked Questions

      Have a question? You may find the answer here

    • Claims Guide

    • Forms Library

      A selection of forms you can download, fill in and send back to us

    • Bill of Rights of Policyholders

      The Bill of Rights details an insurer's obligations to consumers to better protect policyholders.

  • Total Health Solution

    Total Health Solution

    • Live Better

      Enjoy a healthier, better, longer life with AIA Vitality.

    • Get Better

      Be on the road to full recovery with access to health care services.

    • Protect Better

      Be better protected against life's uncertainties so you can live worry-free.

    • My AIA PH

      Welcome to My AIA! It's your new all-in-one customer portal for your policy, health and wellness needs. Login and try it today!

  • My BPI AIA

    My BPI AIA

    Access your BPI AIA accounts

    • CUSTOMER

      My AIA

      View the status of your policy & claim requests, monitor your policy’s account values, and keep tabs of your payments & benefits history.

    • BSE

      Bancassurance Portal

    • Bancassurance 101

      BPI AIA is the number one bancassurance company in the Philippines. Find an affordable life insurance product in 800+ BPI branches nationwide.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 5pm, Mon - Fri

    • Leave Us a Message

Finance and Insurance
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • What to Do If You Have No Health Insurance During the Pandemic

    16 October 2020


    What to Do If You Have No Health Insurance During the Pandemic

    With over 56,000 confirmed COVID cases so far, the Philippine healthcare system is struggling to provide citizens with much-needed medical aid. Government insurer PhilHealth has begun to downscale its efforts to cover hospital expenses for COVID cases due to budgetary constraints. In addition, experts have estimated that hospitals would be overwhelmed once the infection hits its peak.

    In light of these circumstances, private insurers have stepped up to assist both clients and frontliners alike. The Insurance Commission (IC) has pushed insurers to streamline claims processing, waive certain policies, and provide additional benefits or services to address the needs of those affected by the virus.

    Securing your health in these uncertain times is probably your top priority. However, medical care may be more difficult to access, especially without having health insurance. This article will provide you with the steps you’ll need to prepare yourself during this pandemic.

    What to Do If You Have No Health Insurance during the Pandemic

    As the old saying goes, prevention is better than cure. A lack of health insurance coverage may open you up to risks, both to your health and finances. Here are ways you can minimize and possibly prevent these risks from affecting you.

    1.  Explore health insurance options NOW.

      Before the onset of the pandemic, healthcare was more widely available in the event that you’d need it. Now that PhilHealth is limiting its coverage of COVID-19 cases, having no insurance can drain your financial resources and put medical needs out of reach. Getting a health insurance plan now can give you the peace of mind you need in the long run.

      When shopping around for options, it’s crucial to find an insurance product that fits the exceptional needs in this pandemic. Products like BPI AIA's MedLife Protect Plus allows you to receive comprehensive medical care while minimizing out-of-pocket expenses.

      Aside from coverage of hospitalization costs, MedLife Protect Plus gives policyholders access to a vast network of accredited hospitals and doctors.

    2. Ask your employer if your HMO has COVID-specific policies.

      While you may not have personal health insurance, most professionals are enrolled in an HMO policy with their employer. Following the IC’s call for insurers to make care more accessible, HMOs have adapted their policies to accommodate these new, urgent needs.

      A few of the IC’s recommended changes include waiving policies for waiting periods, access to non-affiliated health networks, and the exclusion of pandemics or epidemics. HMOs and other insurance providers are also encouraged to streamline processes to facilitate faster claims processing and payments.

      Get in touch with your employer, so you can better familiarize yourself with any COVID-specific policies that your HMO might have. Make sure to document this information and take note of any requirements or details you may need when availing of these benefits.

    3. Take extra precautions against infection.

      With the transition to more lax quarantine provisions and the slow opening of public and business establishments, you may face a bigger risk of infection in your daily routine. It is critical that you stay vigilant with protecting your health, as the current healthcare system is struggling to treat the virus.

      Best practices, such as using a face mask when in public, maintaining social distancing, keeping up good hygiene and disinfection habits, and avoiding non-essential travel, can go a long way in reducing the risk of infection.

      Other things you can do to avoid the worst of the virus include paying close attention to your overall health, monitoring any under-the-weather symptoms, and opting to self-isolate in the event you experience any COVID-like symptoms.

    4. Have a plan in case you do get sick.

      Part of preparing for the unexpected is coming up with a plan should anything go wrong. This plan should include how you intend to monitor yourself, where you can get tested and confined, and how you will be financing any medical expenses.

      Create a list of hospitals in your proximity and their respective hotlines. Inquire with both your LGU and healthcare provider for possible testing centers should you need to be tested for the virus. If you have access to your employer’s HMO policy, prepare any necessary documentation that will be needed for all the relevant procedures.

      Getting sick can be a stressful ordeal on its own, so having a plan in place can help lessen your stress and get you the medical care you need as quickly as possible.

     

    Additional Protection against the Virus

    In the face of a public health crisis, being able to anticipate your needs and preparing adequately for them can help improve one’s outlook in these troubling times. Staying calm yet vigilant is the key to reducing your overall risk and making the unexpected more bearable, should it occur.

    BPI AIA offers easy and accessible solutions for getting insured during the COVID crisis. To learn more about our coverages, schedule an appointment with our Bancassurance Sales Executives today.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
    Newsletter

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

      

    Explore BPI AIA

    Our Products

    Key Moments

    About BPI AIA

    Who we are

    Our People

    Media Center

    Careers

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

    Learn more about AIA Group

    EXPLORE BPI AIA

    Our Products

    Key Moments

     

     

    ABOUT BPI AIA

    Who we are

    Our People

    Media Center

    Careers


    Copyright 2016. AIA Group and its subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.