Get Insurance for as low as P39 with GCash Insure

Buying Insurance Made Easy
  1. Choose your desired insurance product and text the code to 2158-9628 (for Globe users) & 22565-9628 (for non-Globe users) and get insured! Your order will be processed within the next 1-2 business days. 
  2. Once your insurance policy is fully processed, the insurance fee of your chosen insurance product will be automatically deducted from your GCash balance. Make sure you have enough balance in your GCash account to have a successful transaction!
  3. You will receive your insurance policy details via SMS within1-2 working days. Once you receive the SMS, you’re officially protected and subscribed under GCash Insurance! 
  4. Every 30 days, your GCash Insurance protection will automatically renew. We will bill you with the monthly premium of your subscription. 
SMS Code No. of people insured Product Tier Term Coverage Monthly Premium Term Life Coverage (Per Person Insured) Personal Accident Coverage (Per Person Insured) Hospital Cash Coverage* (Per Person Insured)
INSUREME39 (1) GCash User Bronze Annual P39 P 25,000 P 25,000 Up to PHP 750. Pays PHP 250 per days up to max 3 days confinement
INSUREME78 (1) GCash User Silver Annual P78 P 50,000 P 50,000 Up to PHP 1,500. Pays PHP 250 per days up to max 6 days confinement
INSUREME220 (1) GCash User Gold Annual P220 P 100,000 P 100,000 Up to PHP 5,000. Pays PHP 250 per days up to max 20 days confinement
INSUREME440 (1) GCash User Platinum Annual P440 P 200,000 P 200,000 Up to PHP 10,000. Pays PHP 250 per days up to max 40 days confinement
INSUREFAM117 (1) GCash User, (2) family members Bronze Annual P117 P 25,000 P 25,000 Up to PHP 750. Pays PHP 250 per days up to max 3 days confinement
INSUREFAM234 (1) GCash User, (2) family members Silver Annual P234 P 50,000 P 50,000 Up to PHP 1,500. Pays PHP 250 per days up to max 6 days confinement
INSUREFAM660 (1) GCash User, (2) family members Gold Annual P660 P 100,000 P 100,000 Up to PHP 5,000. Pays PHP 250 per days up to max 20 days confinement
INSUREFAM1320 (1) GCash User, (2) family members Platinum Annual P1320 P 200,000 P 200,000 Up to PHP 10,000. Pays PHP 250 per days up to max 40 days confinement
*On Hospital Cash Coverage: For hospitalization, the benefit plan is paid PHP250 for each day spent in a hospital as an inpatient due to sickness or injuries. To claim this benefit, you must have spent a minimum of three days in the hospital as an inpatient. Hospitalization due to sickness is only payable if it occurs after the 15-day waiting period.
Hassle-Free Claims
  1. To claim your insurance coverage, send an email to gcashinsure-support@microensure.com. Someone from the team will reach out and guide you through the process!
  2. Help us understand your situation–tell us about what happened. We’d appreciate if you have any supporting documents that could help us smoothly assess your claims!
  3. We will do our best to process your claim and get back to you within the next few days. 

Frequently Asked Questions: About the Product

GCash Insurance is a comprehensive insurance product of Life, Personal Accident (PA) and Daily Hospital Income (DHI) insurance for GCash users. It is an innovative offering which provides valuable financial protection in the event of  hospitalization, accident, and/or death. GCash Insurance is powered by MicroEnsure and underwritten by AXA, both leading players in the industry.

To avail of GCash Insurance, you need to be:

        • A Fully Verified (KYC) User: Find out more about getting verified here: https://www.gcash.com/get-verified
        • Within the age of 18-65.

Married users may nominate the following dependents:

        • Legal spouse who is not older than 64 years of age.
        • Children that are 3 – 21 years old.

Single users may nominate the following dependents:

        • Parents who are not older than 64 years of age. 
        • Siblings that are 3 – 21 years old.

Make sure that you can provide a proof of relationship with these nominated dependents, such as a birth certificate or marriage certificate when making any claim.

Only the owner of the account has to be a fully verified GCash user. The GCash user may then nominate two (2) dependents, who may or may not be GCash users.

Insurance is one of the best ways to stay financially protected for life’s emergencies and unexpected situations. It pays for your expenses when you encounter an emergency so that you don’t have to make use of your hard-earned savings. For a small fee every month, your insurance policy will be able to compensate you for accidents, injury, and sickness. It’s a great way to give yourself peace-of-mind as you live your life and is now more affordable with GCash Insurance!

GCash Insurance is an all-around insurance product that gives you access to Life, Personal Accident (PA), and Daily Hospital Income (DHI)–three of the most common insurance products everyone must have. What do each of these things mean?

        • Personal Accident: Accidents and injuries can happen at any given moment. In the event of an accident or injury, a sum of money pays out to support bills, recovery, and cover for overall financial support.
        • Term Life: Death is difficult to experience. In the event of death a sum of money pays out to ensure that dependents and family are provided with financial support.
        • Daily Hospital Income: Everyone gets sick and it can get expensive. In the event that a policyholder gets hospitalized, our coverage helps shoulder his/her daily expenses for their stay.

To learn more about the specific situations and exclusions for these cases, you may also read through the detailed terms and conditions below.

Frequently Asked Questions: Availing of GCash Insure

You can check these 4 things to make sure.

        • Eligibility: Are you a fully verified user within the age of 18-65? You can check this by going to your GCash profile in the app.
        • SMS: Did you text the correct product code? Make sure you got the capitalization and spacing right!
        • Balance: Does your GCash wallet have enough balance? Payments are automatically deducted from your balance so make sure there’s enough for us to activate!
        • Processing Time: Our current processing time takes 1-2 days. If you haven’t gotten a response, rest assured that our team’s working on it. We’re looking for ways to make this faster in the future!

Your coverage under GCash Insurance starts the moment you receive the confirmation SMS 1-2 days after texting.

      • Do note that the insured member and dependents (if any) will only be eligible for a death benefit or hospital benefit after a 15-day waiting period from the start of his/her coverage, if death or hospitalization is due to sickness. No waiting period shall apply for death and hospital confinements due to accidents.

If you are availing of an INSUREME product, you don’t need to submit any additional documents! We try to make the process as seamless as possible for your convenience.

If you are availing of a family cover (INSUREFAM), you will need to fill out the dependent enrollment form sent to you via SMS upon confirmation of your policy. In the event of a claim, you will also have to submit documents to prove your relationship with your nominated dependents, such as a birth certificate or marriage certificate.

To ensure the smooth processing of your insurance cover, kindly fill out the form that is sent to you with the details of your dependents as soon as possible! These will make any claims later on easier to process.

You can cancel your GCash Insurance subscription any time you want. 

  1. Send us over an email to gcashinsure-support@microensure.com.
  2. You will receive SMS confirmation of your cancellation 1-2 days after sending your email. 
  3. If you cancel within 15 days after your initial enrollment date and as long as you haven’t made any claims, you will receive a refund of the premium amount paid.

Upgrading your plan is a great way to unlock more benefits and protection. To change your GCash Insurance policy, simply text the product code of the plan you want to change to. You will receive confirmation after the cutoff date of your current plan!

Frequently Asked Questions: Making the most out of GCash Insure

  1. To claim your insurance coverage, send over an email to gcashinsure-support@microensure.com. A person from the team will guide you through the process.
  2. Help us understand your situation, tell us about what happened. We’d appreciate if you have any supporting documents that could help us smoothly assess your claims!
  3. We will process your claim and get back to you within the next few days. 

Your subscription is automatically renewed every month. The monthly premium amount will be deducted from your GCash wallet on each monthly cutoff.

In case you miss your payment, all you have to do is load/top-up your GCash account as soon as possible. It’s important to make sure you have funds in your GCash wallet for hassle-free payments! Don’t worry, you will have a 30-day grace period for renewals. Your cover will terminate at the end of the grace period if your monthly premium remains unpaid.

Yes. Death and Hospitalization due to COVID-19 is covered, however, insured member and dependents (if any) will only be eligible for a death benefit after a 15-day waiting period from the start of his/her insurance coverage. To claim the hospital cash assistance benefit, the insured GCash member or dependent must be a hospital inpatient and must have been confined for at least three (3) consecutive days.

The following cases shall not be eligible for benefit payment:

  • Self-inflicted injury, suicide or any attempt threat
  • Strike, riot, civil commotion, acts of terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation
  • Any illegal act committed by the insured (murder, theft, drug-related crime, etc.)
  • Childbirth and female reproductive illnesses

Feel free to contact our help hotline at 2882 or email us at gcashinsure-support@microensure.com for any questions or concerns you might have! Our team will be more than happy to accommodate you.

To learn more about the product’s details, you may also take a look at the Terms & Conditions below.

Back to promos

Protect yourself and your family through an affordable comprehensive insurance product of Life, Personal Accident (PA), and Daily Hospital Income (DHI) insurance!

Select active GCash customers will be notified through a text message and the balance will be autodeducted from their GCash wallet balance upon availment of the product.

G-Xchange, Inc. is the distribution channel of GCash Insure and does not hold any responsibilities in terms of any claim payment under this insurance.

MICROENSURE INSURANCE BROKERS PHILIPPINES, INC is providing administrative and distribution services under GCash Insure.

AXA PHILIPPINES is the underwriter of GCash Insure and is responsible for payment of all valid claims.

TERMS & CONDITIONS

What is GCash Insure?

GCash Insure is a comprehensive insurance product of Life, Personal Accident (PA) and Daily Hospital Income (DHI) insurance that is sold through GCash. It is an innovative offering for GCash customers which provides valuable financial protection in the event of  hospitalization, accident, and/or death.

Who can avail GCash Insure? 

    • Select GCash customers, within the age limits of 18 to 65 years, can avail of GCash Insure upon payment of a nominal premium. 
      • For dependents of married members: 
        • Legal spouse within age limits of 18 to 65 years – the legal husband/wife of the insured under the Policy who has not yet attained his/her 65th birth anniversary.
        • Children/young adults aged between 3 and 21 years
      • For dependents of single members: 
        • Parents who have not yet attained his/her  65th birth anniversary.
        • Siblings who are at least 3 years old but have not attained their 22nd birth anniversary and who are wholly dependent upon the insured individual (member) for support.

How can I avail of GCash Insure?

Availing of GCash Insure is easy and convenient. Send us an SMS of the code of your desired product and we’ll do the rest. Payments and policy activations are processed afterwards. Say goodbye to long lines and lengthy forms!

How do I pay for my insurance product?

Once you send your SMS, we will deduct the amount from your GCash account. This should take about a day to reflect. Every month, the same amount will automatically be deducted from your account. But don’t worry–you can cancel anytime.

Can I purchase an insurance policy for someone else?

For now, you may do this by purchasing a family policy. We’re working on being able to do this soon so stay tuned!

How may I view information about my cover?

You should receive a text with basic information about your active policy within 1-2 days. If you need more detailed information about it, you may contact gcashinsure-support@microensure.com. This also works in the event that you lose your policy information.

How can I renew my GCash Insure?

Your subscription is automatically renewed every month. The monthly subscription amount will be deducted from your GCash wallet on each cutoff date! 

If you want to stop your subscription, you may email us any time to cancel and we’ll get right on it. 

I missed my renewal payment, what do I do? 

All you have to do is load/top-up your GCash account as soon as possible. It’s important to make sure you have funds in your GCash wallet so we deduct the payments from there. 

Don’t worry–you will have a 30-day grace period for renewals. Your cover will terminate at the end of the grace period if premium remains unpaid.

Can I cancel my GCash Insure? 

Yes! You may cancel your GCash Insure subscription any time you wish. We can even refund the monthly amount in full if you cancel within 15 days after your initial enrollment date as long as you haven’t made any claims.

What benefit is provided under GCash Insure? 

For each person covered:

TERM LIFE INSURANCE PERSONAL ACCIDENT INSURANCE HOSPITAL CASH INSURANCE
BRONZE Php 25,000 up to Php 25,000 up to Php 750
SILVER Php 50,000 up to Php 50,000 up to Php 1,500
GOLD Php 100,000 up to Php 100,000 up to Php 5,000
PLATINUM Php 200,000 up to Php 200,000 up to Php 10,000

For hospitalization, the benefit plan is paid PHP 250 for each day spent in a hospital as an inpatient due to sickness or injuries. To claim this benefit, you must have spent a minimum of three days in the hospital as an inpatient. Hospitalization due to sickness is only payable if it occurs after the 15-day waiting period.

For Personal Accident, the following table can be used as reference:

Description of Disablement Percentage of the Maximum Benefit
Loss of the limbs 100%
Loss of both hands, or all fingers and thumbs of both hands 100%
Loss of both feet