Unexpected expenses can test even the best-laid plans. The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey found that only 30% of Filipino adults said their current finances or savings would last, while 48% said it would be very difficult to come up with emergency funds, highlighting the importance of being financially prepared for unexpected situations.
For Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, preparedness should go beyond physical precautions. “Being ready means looking beyond what we can anticipate and preparing for what we cannot. Financial protection is an important part of that preparedness, and our goal at Cebuana Lhuillier is to make insurance simpler, more affordable, and more accessible so Filipinos can put that protection in place before they need it.”
This is where ProtectMax, Cebuana Lhuillier’s
affordable microinsurance, comes in. For ₱50, Filipinos aged 7 to 70 can get
four months of coverage, with no medical examination required and up to five active
policies per person. Available at 3,500 Cebuana Lhuillier branches nationwide,
ProtectMax makes financial protection more accessible, giving Filipinos an
added layer of support for life’s unplanned moments.
But what do these unforeseen situations look
like in everyday life? From the daily commute to routine tasks at home, here
are five “deliks” (dangerous) instances when protection can make a difference.
1. When a Routine Commute Takes a Dangerous
Turn
You’re on your usual way to work, school, or
home when a sudden road accident changes everything. Even with the usual
precautions, accidents can happen in an instant, and in the worst-case
scenario, they can result in loss of life.
In the unfortunate event that a covered
accident results in loss of life, ProtectMax provides added peace of mind by
extending financial support to loved ones during a difficult time.
2. When a Loved One Suddenly Passes Away
Not every loss comes from an accident. An
unexpected illness or other unforeseen circumstance can also result in the
passing of a family member, bringing emotional and financial challenges at the
same time.
When a policyholder passes away from a covered
cause, ProtectMax supports the beneficiary and helps ease some of the financial
responsibilities that may follow.
3.
When a Fire Leaves You
Facing an Unexpected Loss
A fire can happen without warning, leaving you
to deal with the loss of belongings and the challenges of getting back on your
feet. The financial impact can make an already difficult situation even harder.
If a fire results in a qualifying loss covered
by the policy, ProtectMax provides financial support to the insured
policyholder that can help ease the strain and provide a starting point for
recovery. While it cannot undo what was lost, the support can help the
policyholder take the first steps toward rebuilding.
4. When You Find Yourself in an Unexpected
Threat
You’re heading home after a late shift when an
unexpected confrontation turns into an unprovoked assault. While situations
like these are difficult to anticipate, the financial consequences can add
another layer of worry to an already distressing experience.
Should an incident involving murder or unprovoked assault fall within the policy’s coverage, ProtectMax can provide support that may lessen the financial burden on the policyholder or their loved ones.
5. When an Accident or Illness Disrupts
Your Plans
An unexpected health issue can happen anytime,
whether you suddenly need urgent medical attention or have an incident at home.
The added costs can strain a tight budget.
For situations requiring urgent care and falls
within the policy, ProtectMax offers added financial support and relief from
the pressure of unexpected costs.
These everyday situations show why accessible
protection can make a difference when life takes an unexpected turn.
For Atty. Isagani Acosta, General Manager of
Cebuana Lhuillier Insurance Brokers (CLIB), making protection accessible is an
important part of everyday preparedness. “Our goal is to bring protection
closer to Filipino families. With ProtectMax, we remove barriers of cost and
access, making insurance a practical choice for everyday preparedness.”
Being prepared is not only about knowing what
to do when something happens. It is also about putting protection in place
before you need it.
Be More Handa with ProtectMax.
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