Bernard Kaibigan, Chief Marketing Officer of Palawan Group; Nicasio “Ninoy” Rollan III, President and CEO of OONA Insurance; Lisa Castro-Sabado, Chief Business Development Officer of Palawan Group; and Karlo M. Castro, President and CEO of Palawan Group, came together to discuss Palawan ProtekTODO Critical Illnesses insurance.
As the new year begins, many Filipinos are rethinking their priorities—placing greater emphasis on health, financial security, and decisions that offer long-term stability. In this landscape, Palawan ProtekTODO Critical Illness Insurance emerges as a timely solution, giving individuals and families a way to face the year ahead with confidence and financial peace of mind.
Karlo M. Castro, President and CEO of the Palawan Group of Companies, highlighted the urgency of closing the protection gap faced by many Filipinos. “We see a real gap in coverage for serious illnesses like heart attack, stroke, and cancer,” he said.
Many Filipinos only think about the financial impact when a medical emergency already happens, leaving them vulnerable to sudden and overwhelming costs,” he added.
Built around simplicity and affordability, Palawan ProtekTODO provides coverage against three of the most common and financially devastating illnesses in the Philippines: heart attack, stroke, and cancer.
Karlo M. Castro, President and CEO of the Palawan Group of Companies, highlights the need for accessible health protection through Palawan ProtekTODO.
These conditions consistently rank among the country’s leading causes of death, according to the World Health Organization and the Philippine Statistics Authority, and often come with medical expenses that can quickly overwhelm household finances.
ProtekTODO is designed to step in at the most critical moment—when a diagnosis threatens not just health, but financial stability. By providing immediate financial support, the insurance helps policyholders manage treatment costs, protect their savings, and avoid borrowing during emergencies, allowing families to stay focused on recovery rather than mounting bills.
Castro added that ProtekTODO reflects the company’s commitment to inclusive protection. “ProtekTODO is our way of saying that no Filipino, no matter their socio-economic standing, should have to face critical illness alone or unprepared. By simplifying the process and bringing protection closer to where people already are, we hope to empower more families to take that first step toward financial security.”
Palawan ProtekTODO Critical Illness Insurance provides a 100 percent lump-sum cash benefit upon diagnosis, regardless of whether the illness is detected at an early or advanced stage.
This gives policyholders the flexibility to use the funds where they are needed most—whether for hospital bills, ongoing treatment, lost income, or essential household expenses during recovery. Coverage is open to Filipinos aged 18 to 60 and runs for one full year per policy.
Lisa Castro-Sabado, Chief Business Development Officer of the Palawan Group of Companies, underscores the importance of trusted partnerships in delivering affordable and reliable insurance solutions for Filipinos.
To ensure accessibility across income levels, ProtekTODO offers two clear and straightforward plans. The Basic Plan provides ₱50,000 in coverage for as low as ₱550 per year, while the Plus Plan offers ₱100,000 in coverage starting at ₱1,100 annually.
Policyholders may also avail of multiple policies, with a combined maximum benefit of up to ₱500,000, allowing families to build stronger financial protection over time.
Lisa Castro-Sabado, Chief Business Development Officer of the Palawan Group, underscored the importance of working with trusted partners to deliver insurance solutions that Filipinos can rely on. “We partnered with Oona because of a shared commitment to reliability, accessibility, and putting customers first,” she said.
“Together, we deliver protection that is affordable, easy to understand, and trustworthy, while staying true to the Palawan Group’s promise of ‘mura, mabilis at walang kuskos-balungos.’ ProtekTODO integrates insurance into everyday financial planning, whether through our branches, the PalawanPay app, or e-commerce platforms,” Sabado continued.
Bernard V. Kaibigan, Chief Marketing Officer of the Palawan Group, pointed out that ProtekTODO was created to remove the intimidation often associated with traditional insurance products. “Many traditional insurance products feel intimidating due to complicated terms, high premiums, and lengthy processes,” he said. “ProtekTODO was created to remove these barriers by being easy to understand and accessible, while providing real-life financial support beyond medical coverage, helping with daily expenses, income loss, and recovery costs, so Filipino families can face life’s uncertainties with confidence and peace of mind.”
As more Filipinos commit to self-care and financial preparedness this year, Palawan ProtekTODO positions critical illness insurance not as a luxury, but as a practical foundation for financial resilience. With affordable premiums and meaningful benefits, it allows families to move forward knowing they are better prepared for life’s unexpected challenges.
True to its promise, “Patingi-tingi ang presyo, pero todo ang benepisyo,” Palawan ProtekTODO shows that building financial readiness does not require a heavy burden—just the right protection at the right time.
Palawan ProtekTODO Critical Illness Insurance is available at all Palawan Pawnshop–Palawan Express Pera Padala branches, through the PalawanPay app, and via the official Palawan ProtekTODO stores on Lazada and Shopee.