Put yourself at ease by protecting those you love
04 December 2017
Overseas Filipino Workers (OFWs) possess many admirable characteristics, but they all stem from one goal—to improve the lives of their loved ones back in the Philippines.
OFWs often work double shifts, do menial tasks, and endure being away from their loved ones for long stretches of time just to send that remittance for their kids’ tuition or have that balikbayan box filled in time for Christmas.
But all this hard work can take a serious toll on their health. Many OFWs forget the value of exercising, eating healthy, and getting enough sleep in their quest to provide a better life for their families. These unhealthy habits leave them vulnerable to health risks such as heart disease, stroke, and diabetes.
Even worse, sudden hospitalization can cause them to use up all the money they’ve saved, leaving their families to fend for themselves without any viable source of income.
Thus, having insurance and investments to safeguard their assets and protect their loved ones in case of unfortunate circumstances is a must for every OFW.
The BPI AIA Wellness Series responds to this need with its selection of insurance plans and health funds that OFWs can choose from to help them live a longer, healthier, and better life.
OFWs may be earning higher abroad, but that's not to say that they aren't concerned about their budget.
For as low as P2,100 a month, Life Ready Plus provides coverage as much as 30 times the total annual payment, giving OFWs and their loved ones financial support at the time when they need it the most.
Even better, Life Ready Plus can be customized with several add-ons for additional protection.
There’s the accidental and health rider that can provide additional funds for accident-related and medical-related incidents.
There’s the early stage critical illness fund to cover serious critical illnesses. Beneficiaries below the age of 75 may receive a one-time payment benefit if the covered insured is diagnosed with any of the 56 critical illnesses covered under the plan.
There’s also a hospitalization add-on that protects insurance owners from unexpected hospital bills due to critical illnesses.
And there’s the waiver of premium add-on that prevents the insurance owner from paying any further amount if he becomes sick or disabled. It also provides a cash benefit for specific illnesses.
What if a family member suffers from a critical illness?
Protect them with the Critical Care Plus, an insurance plan that provides cash benefits and exemption from future payments upon diagnosis of covered critical illnesses.
But aside from being an insurance plan, the Critical Care Plus also functions as a health fund so that each contribution does not go to waste. Our expert fund managers invest a portion of the payments so that it continues to grow over time.
OFWs who avail of the Critical Care Plus also have the option to avail of the accident and health add-on, which provides medical reimbursement and weekly income benefit.
With the Critical Care Max, OFWs get to enjoy the same benefits as Critical Care Plus, but it comes with one vital add-on: the hospital confinement benefit.
With this customization, any income lost due to the covered person's hospital confinement is replaced. It also offers a daily cash benefit with options like cash payout for surgery-related expenses and a cash allowance to help pay for consultation fees for outpatient treatments.
OFWs also need to protect the assets they accumulate for their loved ones even when they’re gone, and the Build Estate Plus insurance plan makes sure of that as it covers estate taxes. The payment scheme—ranging from five-year to ten-year plans—can be tailored according to one’s means.
Build Estate Plus also doubles as a savings fund that has a potential to earn high depending on the performance of one’s chosen investment funds.
Like the other BPI AIA Wellness products, Build Estate Plus also has add-ons like accident and health coverage, medical reimbursement and weekly income benefit, and waiver of premium in case of disability and critical illness. Beneficiaries may even receive annual cash benefits equivalent to the waived payment to replace lost income.
Plus, the Wellness Series is integrated with the AIA Vitality Program, which provides additional 20% coverage and allows policy holders to earn exclusive wellness rewards from partner establishments for living a healthy lifestyle.
Thus, this insurance not only serves as protection against unfortunate circumstances, but also gives OFWs the chance to increase their savings and investments as they improve their health, earn points, and receive premium discounts and incentives.
To learn more about the leading a life of total wellness, talk to a BPI AIA Bancassurance Sales Executive or check the BPI AIA health and wellness plan.
Invest in both your health and wealth with BPI AIA Wellness Series
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.
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.
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.
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.