BPI AIA Future Ready - Medical

Be Future Ready with medical protection for major hospital bills, plus life insurance coverage for long‑term security.

Overview
Policy benefits
Plan Highlights
Important Details

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BPI AIA Future Ready - Medical

Designed to help cover large hospital expenses when HMO and PhilHealth aren’t enough, while providing built‑in life insurance benefits to support your long‑term plans.

This plan can cover you if you are within

0 – 50 Years Old only

This plan insures you until:

Age 100 for life insurance coverage

Age 80 for medical coverage (renewable yearly)

Did you know

One Illness Can Change Everything

70% worry they won’t be financially ready for a major illness, and 71% fear becoming a burden on their family. A serious illness affects both health and finances.

HMO & PhilHealth Aren’t Always Enough

Critical illnesses can exceed HMO limits and PhilHealth subsidies, leaving families to shoulder large out-of-pocket costs—43% of total health expenses in the Philippines.

Medical Bills Can Trigger Financial Strain

Major health events often lead to using emergency savings, borrowing money, selling assets, or making difficult choices during recovery. Medical protection helps prevent this.

Policy Benefits

BPI AIA Future Ready – Medical is an affordable medical insurance plan with built-in life insurance for added financial protection. See how your policy delivers real value through comprehensive benefits

Comprehensive Medical Protection

Get comprehensive medical protection that can shoulder as much as 90% of your in-patient and select out-patient costs — including hospitalization, emergency care, surgeries, ICU services, and follow-up treatments — so you can focus on recovery while we help take care of the bills.

Guaranteed Life and Death Benefits

This product also comes with 200% life insurance coverage which your beneficiaries can receive in case of death, plus maturity benefits and potential bonus dividends providing added support for your future.

Affordable, Long-Term Protection

Designed to be budget-friendly by letting you pay only until age 65, while keeping your life insurance coverage active until age 100 and your medical coverage renewable until age 80 so you can stay protected for the long run.

Value-Added Wellness Benefits

Enjoy Annual Physical Exam, dental care, 24/7 telemedicine, mental health support, and wellness counselling—additional optional benefits you can use even when you’re not hospitalized.

Plan Highlights

This plan provides up to 90% coverage for a variety of medical and hospitalization needs, plus additional optional benefits to complete your medical solution.

Basic Hospital

Room & Board including General Nursing Care
Miscellaneous in-patient with prescriptive medicines
Physician’s Fee
Specialist’s Fee

Critical Care

ICU
CCU
HDU
Telemetry

Emergency

Emergency In-Patient
Emergency Out-Patient (Trauma & Non-Trauma)
Ambulance Services (Land Arrangement via Reimbursement)

Pre & Post Hospitalization Treatment

Consultation/Attending Physician’s Fee
Diagnostic Tests
Prescription medicines and materials

30 days before and after hospitalization

Surgical Benefit (Including Day Procedures)

Operating Theater & Recovery Room
Surgeon’s Fee based on RVS
Anesthetist’s Fee
Organ Transplant

Terminal

Hospital Care

Recovery Care

Private Duty Nurse (Doctor Recommended)
Medical Equipment (Wheelchair, Crutches, etc.)

Maximum Coverage Per Year

Choose a medical benefit amount that will fit your medical protection need

750,000
1,500,000
3,000,000
6,000,000

Be Future Ready for Life’s Medical and Financial Surprises

Designed for individuals who want to prepare early, protect their plans, and stay confident even when unexpected medical costs arise.

For Young Professionals

Ideal for those starting their careers and building their future. Get medical protection for major hospital bills while securing built‑in life insurance that helps protect your long‑term goals from unexpected health setbacks.

For Working Professionals

Suitable for individuals with HMO coverage who want added protection. Helps cover large hospitalization and medical expenses that may go beyond HMO and PhilHealth, while life insurance supports your financial responsibilities at home.

For Family Builders

Designed for those planning or supporting a family. Medical coverage helps manage costly hospital bills, while built‑in life insurance helps ensure your loved ones remain financially protected in the future.

Important Details

Get additional potential funds through dividends that you can receive when available to your policy. You may choose to:

Get Paid in Cash
Nothing is as reassuring as getting your payment in cash, which you or your loved ones can immediately use for whatever needs.

Accumulate interest
You may earn interest by choosing to leave your declared dividends with us. With this option, your amount may grow based on prevailing rates, depending on market conditions.

Remember:

Dividends may not be used for purchasing additional non-participating insurance products (like Paid-up additions).
Dividends may not be used to pay succeeding mode or premium due dates (such as Decrease Premium Payments).
Dividends are not-guaranteed.

The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy Contract. In case of conflict, the terms of the policy shall prevail.

Upon receiving the Policy Contract, you may refer to it for the full details on critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract you decide that this plan is not suitable for your needs, simply return it to BPI AIA within 15 days from the date you or your authorized representative received it and we will refund total premiums you have paid.

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Insurance lingo

This is the fee you pay us to protect you and your loved ones against a specified risk for a specified period.

This is the one-time payout where the entire benefit amount will be provided to you (policy insured) or your beneficiaries depending on the policy contract rules.

This is the person whose life is covered under a life insurance policy.

The owner/payor of the insurance plan is the one who purchased or is paying for the plan. In most cases, the owner and insured are the same.

This refers to the amount of life insurance coverage in your policy.

These are supplementary benefits you add to your plan that can increase your coverage or address specific needs or concerns.

Let’s find the right plan for you

Talk to us today so we can help match your goals with the best insurance plan

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