Oona Big 3 Critical Illness Insurance

Oona Big 3 Critical Illness Insurance offers financial support for the three major health risks: Cancer, Heart Attack, and Stroke. It provides coverage so you can focus on recovery instead of medical expenses.

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Eligibility

You can avail of this product if you are:

  • At least 18-65 years old
  • A Fully Verified GCash user
  • In good health and with no pre-existing conditions (e.g. illness, injury, or health issue you had before getting this insurance policy)

 

Note:

You cannot buy this policy for someone else directly.  

 

Coverage

With Oona Big 3 Critical Illness Insurance, you are provided with the following benefits:

  • Covers major illnesses: Heart attack, stroke, and all stages of cancer
  • 100% lump-sum payout: Get up to ₱500,000 upon diagnosis
  • Quick and easy application: Answer only 4 quick health questions—no long forms
  • Multiple Policies: You can buy multiple policies based on your need with a maximum coverage limit  of PHP 1,000,000/year
  • Flexible coverage: Renew your policy annually until you turn 70


Purchase Oona Big 3 Critical Illness Insurance

To purchase Oona Big 3 Critical Illness Insurance, follow these steps:

  1. On your GCash app, tap GInsure > Health
  2. Select the Oona Big 3 Critical Illness Insurance product
  3. Fill in your details and answer the 4 quick health questions
  4. Double-check the details > Pay 

You’ll see a confirmation page once your purchase is successful. Once your policy is purchased, no changes can be made.

A copy of your Oona Big 3 Critical Illness Insurance policy will be instantly sent to your GCash-registered email which you can view or download anytime.

 

Cancellation and Claims

Cancellation

You are entitled to a 15-day free-look period from the issuance of the policy. During this period, you can review the policy provisions, inclusions, and exclusions.

If you decide to cancel your policy anytime within this period, you may do so by notifying Oona Insurance at (632) 8876 4400 or info@oona-insurance.com.ph to get a full refund. 

Claims

To file a claim, you can submit an online claim form along with the required documents. You may also contact Oona via phone or email.

Standard Claim Documentary Requirements:

For Cancer Claims:

  • Histopathology or biopsy reports and all available laboratory and test results
  • A valid government-issued ID

For Stroke Claims:

  • CT scan or MRI scan of the brain and all available laboratory and test results
  • A valid government-issued ID

For Heart Attack Claims:

  • ECG Report, Enzyme Assays Reports, and all available laboratory and test results
  • A valid government-issued ID

 

When will claims not be paid?

Claims may not be paid if they fall under policy exclusions, such as pre-existing conditions, fraudulent claims, situations not covered by the policy (e.g., intentional self-harm or illegal activities). Missing premium payments or providing incorrect information can also lead to a denied claim.

Can I upgrade my policy?

No, you cannot upgrade an existing policy. However, you can purchase another policy to increase your coverage.

Can I own multiple policies?

Yes, you can own multiple policies, but there is a maximum coverage limit. This ensures fair coverage while allowing you to stack protection based on your needs.

 

Contact Oona

To contact Oona, check out their available channels below:

  • Mobile No:
    • Smart: (+63) 920 918 6242
    • Globe: (+63) 917 581 7175
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