GCash users can access health insurance and HMO options for both major medical events and everyday healthcare needs through the GInsure platform.
Health expenses can quickly become a family concern, especially when medical needs arise unexpectedly. Through GInsure Health on the GCash app, users can access health protection options from Oona Insurance and KwikCare, giving families different ways to prepare for both routine healthcare and more serious medical events.
The two products serve different needs. Oona’s All-in-One Health Plan focuses on protection against major health events, while KwikCare HMO is designed around more regular healthcare use such as consultations, laboratory tests, and inpatient or outpatient procedures.
Oona covers major health events
The Oona All-in-One Health Plan starts at PHP48 per month per family member and allows users to cover up to four family members.
Coverage can reach up to PHP100,000, with a 100% lump-sum cash payout upon diagnosis of covered critical illnesses including cancer, stroke, and heart attack. The plan also includes accidental disability coverage and daily hospital allowances.
The structure gives families a cash benefit that can help absorb some of the financial impact of a serious diagnosis, rather than limiting assistance to specific medical services.
KwikCare focuses on everyday healthcare
For more regular medical needs, KwikCare HMO starts at PHP995 per month.
The plan provides cashless access to more than 2,000 accredited hospitals and clinics nationwide and includes services such as doctor consultations, laboratory tests, and inpatient and outpatient procedures. Depending on the plan tier, the Maximum Benefit Limit can reach up to PHP350,000.
KwikCare is also positioned for freelancers, gig workers, and small business owners who may not have access to employer-sponsored HMO benefits. Users can add a spouse, children, or parents as dependents directly through the GCash app, making it easier to extend protection across the household.
Applying through the GCash app
Users can access both products through the GInsure section of the GCash app.
The process begins by opening GCash, selecting GInsure, then choosing Health. Users can then select either Oona Insurance or KwikCare HMO, provide the required information, answer the health questions, review the details, and confirm the application.
By placing different health-protection options within the same platform, GInsure Health gives families a simpler way to compare coverage based on whether they need support for everyday healthcare or more serious medical risks.
More information is available through the GCash website.