The thing about the future is it’s unpredictable. You can find yourself at your highest and wish the wheel never turns. Unfortunately, the wheel does turn and you might find yourself at your lowest.

You can be hit suddenly with a critical illness or go bankrupt or both. And, without any plans for such uncertainties, it’s hard to pick yourself back up.

That image is unfortunately closer to reality than estimation. Around 84% of Filipinos are not financially ready for medical costs should they be diagnosed with critical illnesses. Only a shocking 2% of our total population have sufficient preparations for such health risks. With inflation going no other direction than up, typical critical illnesses today can cost between P50,000 to P2,000,000.

With such costs and the unpredictability of life, Filipinos need to start seeing critical illnesses as a top priority. One of the ways you can prepare yourself for such uncertainties is to secure a life insurance.

The AIA Critical Protect 100 is a life insurance that ensures your health expenses are covered should you be diagnosed with any of the 100 major and minor critical illnesses covered by the policy. AIA Critical Protect 100 also offers protection starting at age 0 up to age 100. So, whether that’s a heart attack, cancer, or stroke, this plan covers you.

This plan is also powered AIA Vitality, which is a science-backed wellness program that rewards you for every step you make towards taking care of your health. The more points you earn from your efforts, the more rewards you get.

Your coverage actually increases by 20% after one year from securing your AIA Critical Protect 100. Then, as you keep earning points and reaching higher status level, you get additional percentage increases. Bronze status gives you -10%, Silver status earns you -5%, Gold status is +5%, and Platinum status gets you +10%.

On top of this plan, you can add riders that can complement your benefits. You can avail a Gender Specific Cancer benefit which gives you 50% additional coverage should you be diagnosed with a gender-specific cancer.

Your coverage doesn’t need to stop there. This plan can cover as far as your recovery. The recovery benefit rider allows you to get a yearly cash payout, which amounts to 10% of your main coverage, for 5 years. The first payout may be claimed immediately after one year from claiming your main benefit.

If, for instance, the insured is between the ages of 0-17, you have the option to add a Payor’s benefit, which essentially waves future premiums should the insured meets an untimely death or permanent disability.

If that does not say you’ve maximized protecting yourself, we don’t know what else will. Got questions? Want to get started on securing your own AIA Critical Protect 100? Book an appointment with our financial advisors, and they will make sure you are protected enough to live your life to its fullest.