Health and Fitness

This Critical Illness Insurance Plan Actually Gives Your Money Back

In the day-to-day hustle, we often overlook one essential truth: prioritizing our health is important. Sure, we're familiar with the usual perks—like the joy of munching on a nutritious fruit, or the endorphin boost after a great workout session. These actions enhance our wellbeing, extend our lifespan, and fortify our immune systems.

May 24, 2025
FWD Life Philippines

We may spend wisely on healthy meals, gym memberships, fitness watches and health supplements, believing that the benefits outshine the costs. Which they do! But imagine a health insurance product that protects you financially and refunds the premiums you paid if you don’t use it. Sounds too good to be true?Let’s talk about FWD Digital Set for Health Critical Illness Insurance – the zero waste health insurance. Social media personality CK de Leon said it well as she talks about investing in your health “na walang tapon.” Just like she did.

What does zero waste health insurance mean?

Simply put, FWD Digital Set for Health’s "zero-waste health protection" ensures you get a return on the insurance premiums you've paid if you stay fit and healthy with no major claims until age 75.

But more than that, should you suffer critical illness, FWD Digital Set for Health Critical Illness Insurance offers peace of mind for your health setbacks. This health protection plan includes the following benefits:

  • You get 100% coverage for 42 major critical illnesses and an additional 20% for 15 minor ones, making quality healthcare more accessible for you and allows you to focus on your recovery.
  • You can make up to three claims for unrelated major critical illnesses, so you and your family are financially supported in terms of medical and living expenses as well as to cover for your loss of income due to your illness.
  • In case you get diagnosed with a major critical illness or experience total and permanent disability, your premiums are waived, ensuring coverage when you need it most.
  • If no major claims are made, you'll receive all your paid premiums when you turn 75, offering a cushion for retirement or continued health maintenance.
  • Should you pass away, your beneficiary will receive 100% of your death benefit, ensuring your loved ones are financially supported.

Exclusive benefit!

  • Free Security Bank ATM Card with no maintaining balance

This policy is not just about insurance; it's about creating a financial plan that truly supports you through thick and thin.

Why consider FWD Set for Health?

The beauty of FWD Digital Set for Health Critical Illness Insurance is that it’s more than just health protection—it's a commitment to supporting your health and financial wellbeing through thick and thin. It’s about getting much-needed protection when the unexpected hits, and if all goes well, celebrating your wise decisions and health by receiving every peso back on your 75th birthday. So, when you think about securing your health, why not choose an option that gives back in more ways than one?

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