The Palawan Group of Companies is extending its signature “tingi,” sachet-based insurance into critical illness care, launching ProtekTODO Critical Illness Insurance to cover the country’s top causes of death: heart attack, stroke, and cancer.
At the launch, Palawan Group president Karlo Castro flagged the urgency of access, citing insurance penetration of just 1.3 percent nationwide. For many Filipinos, he said, insurance remains intimidating—complex, costly, and distant—leaving families exposed when illness strikes. Palawan’s answer is simplicity: affordable pricing, clear benefits, and easy purchase.
Built with partner Oona Insurance, ProtekTODO offers lump-sum protection upon diagnosis of covered conditions. Annual premiums start at P550, delivering P50,000 under the Basic plan or P100,000 under Plus. Customers can stack coverage—up to five Basic plans or 10 Plus plans—pushing potential benefits to P500,000, with premiums varying by age. Policies run for one year and are renewable at similarly low rates.
The product deepens Palawan’s decade-long push to democratize insurance. Since debuting personal accident cover in 2014, the company has expanded into family accident, health, property, travel, compulsory third-party liability, and pet insurance. Its ProtekTODO line begins at just P20 for P100 in coverage and has paid out P244 million in claims, supporting more than 34,140 families.
Distribution mirrors Palawan’s everyday reach. ProtekTODO Critical Illness Insurance is available across 3,500 Palawan Express branches nationwide, via the PalawanPay app, and on Lazada and Shopee—bringing abot-kaya protection closer to where Filipinos live, shop, and send money.
