“At BPI, our purpose is clear: to Build a Better Philippines, one family, one community at a time. For too long, critical illness insurance has felt complex and out of reach. We wanted to change that. BPI Kaya Care is more than a policy—it’s a partner that helps families focus on recovery without financial strain, support that truly matters when it matters most.” ~Maria Cristina “Ginbee” Go, Consumer Banking Head of BPI
The Bank of the Philippine Islands (BPI) and BPI/MS Insurance Corporation (BPI MS) launched BPI Kaya Care Critical Illness Insurance. It is an affordable, user-friendly plan that helps Filipinos safeguard themselves and their loved ones against the biggest health hazards of the modern world.
BPI Kaya Care was created to address a growing health issue—the increasing number of Filipinos being diagnosed with serious illnesses. The top three causes of death in 2023 were ischemic heart disease, cancer, and cerebrovascular diseases, including stroke, according to data from the Philippine Statistics Authority.
In order to help Filipinos prepare for these risks, BPI Kaya Care offers a lump sum cash benefit upon diagnosis of any of four serious illnesses: cancer, heart attack, or stroke. Clients with early diagnoses receive half of the benefit, while those with critical or delayed diagnoses receive the whole amount.
As long as the insured lives for seven days following diagnosis, this cash benefit enables policyholders to begin treatment as soon as possible and maintain financial stability during a very trying period. Although the benefit is primarily intended for medical treatments, families are free to use it for everyday living expenditures, therapy, or medicine, depending on what is most important to them.
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| Maria Cristina “Ginbee” Go, Consumer Banking Head of BPI |
BPI Kaya Care fills a big gap compared to treatment-specific government programs: many Filipinos delay getting treatment after being diagnosed since it takes time to get funds. Kaya Care provides immediate financial support so that patients and their families can concentrate on timely care and better health outcomes.
Premiums start at just ₱859 per year, depending on the client's age and chosen plan, making this insurance accessible to a wide range of Filipino households. Enrollment is also now simple and convenient.
Consumers can buy the product online at kayacare.bpims.com or in person at any BPI branch or the nearest BPI MS office. The equally straightforward and beneficial claims process further demonstrates the product's commitment to accessibility.
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| Noriyuki Kobayashi, President and CEO of BPI MS |
“The silent crisis of underinsurance, coupled with surging medical costs, creates an urgent need for simple, accessible insurance solutions. BPI MS is proud to collaborate with BPI to bring BPI Kaya Care to life. By delivering this vital and affordable protection to the core and middle markets, we are helping more Filipino families secure their future and take control of their health without compromising their financial stability.” ~Noriyuki Kobayashi, President and CEO of BPI MS
The launch of BPI Kaya Care demonstrates BPI's broader commitment to strengthening national resilience and enhancing Filipino families. As the government continues to invest in improving healthcare infrastructure, including significant assistance for specialty hospitals, BPI Kaya Care ensures that Filipino families not only have access to these facilities but also the financial means to pay for necessary treatments.
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