Three questions. Then I'll tell you what you actually need.
Most insurance sites hand you a product catalogue and hope you figure it out. This one starts with your situation, explains the terms in plain English, and shows you the price before you talk to anybody.
- 01Answer three questions — 40 seconds, nothing personal.
- 02See a shortlist with real monthly figures, side by side.
- 03Book me only if you still have questions.
Start with your situation, not our catalogue
Forty seconds, no name or email. You get one named recommendation, the reasoning behind it, and three price tiers — before you talk to anybody.
Who are you covering?
This decides more than budget does.
What health insurance actually covers
Nearly every bad insurance decision traces back to one of these terms being glossed over at signing. Open any of them.
If a definition here still doesn't land, that's my fault, not yours — say so on the call and I'll draw it out.
Eight things AXA sells, in a sentence each
Including who should skip each one. You will not need all eight, and anyone who tells you otherwise is selling.
Health & hospital cover
from ₱1,200/moPays the hospital and doctor bills when you are confined, so a five-day admission does not wipe out your savings.
- 01You get a card and a list of accredited hospitals.
- 02You show the card at admission instead of paying a deposit.
- 03The insurer settles directly, up to your annual limit.
- —You have no employer HMO, or one that ends soon.
- —You are the person your family calls in an emergency.
- —You want cashless admission, not reimbursement.
Your employer already gives you a strong HMO and you are not planning to resign. Top up instead of duplicating.
What it looked like when it mattered
The payout arrived before the second chemo cycle. I never had to ask my siblings for money.
Stage 2 breast cancer, diagnosed 14 months after signing. Marco filed the paperwork while I was still processing the news, and the lump sum covered treatment plus four months of not working.
He talked me out of the expensive plan. That is when I decided to trust him.
I went in wanting the ₱9,000 VUL a colleague sold me. Marco showed me the year-one surrender value, then put me in a ₱2,450 health plan instead and told me to invest the difference myself.
Four people, one renewal date, and he still answers on Viber two years later.
We moved from three separate policies to one family plan and cut about ₱1,800 a month. When our youngest was admitted for dengue, admission took eleven minutes with no deposit.
Twenty minutes, and you can end it early
No slide deck. You tell me what the quiz gave you, I poke holes in it, and you leave knowing whether to buy or wait.
- I won't ask for a signature on the first call. Ever.
- You'll get the illustration in writing before you decide.
- If AXA isn't the right fit for you, I'll say so.