Photo source: GCash 

From commuting to and from work, braving the heat and the train, and sometimes, going onovertime, your everyday 'kayod' (hustle) may take a toll on your health. When you get sick, your savings may be at risk, and you may even risk losing income from missed workdays. In such moments, a safety net like health insurance may help protect your livelihood.

For many, getting health insurance seems out of reach. However, what if there is a way to secure that protection? Kaya pala magkaroon ng free health insurance when you buy load on GCash.

(You too can have your own free health insurance when you buy load on GCash).

Photo source: GCash

When you buy a load for your mobile number – any network, anytime, anywhere – using Buy Load on GCash, you get a free Health and Accident Insurance (underwritten by FPG Insurance) for yourself, with up to P30,000 coverage and additional valuable benefits.

Here are the benefits you may get:

Accidental Death Benefit

For every load purchase, you automatically get P10,000 in accidental death coverage. This amount may be accumulated when claiming up to three separate eligible load purchases, giving you a maximum coverage of P30,000. 

Hospitalization Sweldo-Assistance 

If you are hospitalized due to illnesses and accidents, you may receive P500 per day salary assistance for a maximum of five days, that may replace your lost daily wage due to sickness.  

Disablement Benefit

You may also get up to P10,000 disablement benefit, providing you or your beneficiaries a safety net 'pag 'di na kayang magtrabaho dahil sa aksidenteng pagkabaldado.

(When you cannot work due to an accident, causing disablement.)

Your free health and accident insurance will start on the day the load is applied and will end based on the load amount purchased: 

- P1 - P65 - 3 days
- P66 - P150 - 7 days
- P151- P450 - 15 days
- P451 & up - 30 days

You may combine the accidental death benefits when you make three separate load purchases, reaching a maximum total of P30,000 per person. On the other hand, the disablement/dismemberment and hospital confinement benefits cannot be added up, each providing up to P10,000.

How to get your free health and accident insurance when you Buy Load on GCash for your own number:

On your GCash dashboard, tap 'Load'. Then, type in your GCash number – it is advisable to use the same number you are going to load up.

If you are eligible, you will see a 'Free Insurance' box. Tick the box to opt in.  

You now have free health and accident insurance. Your receipt will show that it is confirmed.

Check your GCash app inbox. You should find a message there confirming that your free Buy Load Plus Health insurance is active. This message will also have the important document you will need if you ever need to file a claim.

To be eligible for claims, you must be between 18 and 65 years old, a Filipino or foreign national using a Philippine local telco SIM and have a fully verified GCash account. The insurance and its coverage cannot be transferred to others, and coverage is exclusive only to purchasing mobile load using your personal GCash account's Buy Load feature.  

Claims may be made through the FPG Claims Portal. Want to know more? Visit their website.

Access Load through your GCash dashboard or find it under "Pay." No GCash yet? Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery.