BPI Kaya Care​

BPI Kaya Care is a non-life insurance plan that provides a lump-sum cash benefit if the insured is diagnosed with any of the Big 3 critical illnesses: Cancer, Heart Attack, or Stroke.

These 3 conditions are among the leading causes of serious illness and mortality among Filipinos. However, early diagnosis and timely medical care have been shown to significantly improve recovery outcomes.

With BPI Kaya Care, you get immediate financial support that can be used for medical treatment, therapies, medications, or daily living expenses—so you can focus on getting better instead of on the financial burden.

Adults aged 18 to 64 years old (renewable up to 65 years old) who are in good health and reside in the Philippines may apply.

BPI Kaya Care specifically covers the following:

The benefit you receive depends on the stage of the illness at the time of diagnosis as defined in the policy:

• Early Stage Diagnosis: You will receive 50% of the Sum Insured. If the condition progresses to a Late Stage, the remaining 50% will be paid to you.
• Late Stage: You will receive the full 100% of the Sum Insured in a single payment. 

This structure ensures that you have financial support as early as possible, with additional protection if the illness becomes more severe.

Yes, you may enroll up to five (5) individuals under one application, including—whether they are family and/or friends. One form, multiple protection.

Waiting Period which is a standard ninety (90) day period before you can be actually be covered by the Big Three. Your policy benefits won't be payable for any Critical Illness that you contract within this time after your policy starts.

However, this period doesn't apply if your illness is caused by an accident that happens during this time.

A Pre-Existing Illness or condition refers to any illness, symptom, or medical condition that you already had or were aware of (or could reasonably have known about) before your coverage began, or that developed during the 90-day Waiting Period.

Please note that benefits cannot be paid for any Pre-Existing Illness, any condition related to it, or complications resulting from it.

For instance, you had symptoms of heart problems and saw a specialist for an investigation a month before your policy started, and you are later diagnosed with a Heart Attack. This case would be considered a Pre-Existing Condition and the claim would be excluded.

No. A condition that you become aware of during the ninety (90) day Waiting Period would also be considered a Pre-Existing Illness and would be excluded from coverage.

The Survival Period is a 7-day mandatory period that you must survive after receiving the official diagnosis of a covered Critical Illness for the lump sum benefit to be paid out. This is to ensure the benefit provides financial support for recovery.

If you fail to renew your policy, your coverage will expire and any illnesses after the policy expiry will no longer be covered. Moreover, illnesses that have been covered during the Early Stage that will progress to the Late Stage will also not be covered if diagnosed outside the coverage period. 

Refer to the table below for better appreciation:

BPI Kaya Care may be auto-renewed. Just make sure that you turn on the feature during application and you’re set.

Auto-renewal is a convenient way to ensure that your protection is uninterrupted. This feature is available during the application, via a check box just before you pay. 

If you subscribe to the auto-renew feature, your account will be charged for renewal premiums automatically at your policy’s date of expiry. This premium payment will then trigger the renewal of your policy. 

For as long as we are able to successfully charge your account with renewal premiums, your policy will automatically renew every year—no extra steps required.

• No new application process
• No 90-day waiting period
• Get continuous protection – early stage diagnosis progressing to late stage will be covered.

If you renew your coverage after the policy expires, your policy will be treated as a new application and the 90-day Waiting Period will reset. 

As applications for BPI Kaya Care after an existing policy expires shall be treated as new, your previous early stage diagnosis shall henceforth be considered a pre-existing illness, disqualifying you from further availment of this product. Thus, it is important to renew on time and keep your policy active. 

We encourage you to avail of BPI Kaya Care’s auto-renew feature.

Yes, your premiums will increase. This is because risk factors also increase as we grow older. To know more about the renewal rates, please visit this page.