Get Insurance for as low as P39

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 Product Tier Term Coverage Monthly Premium Term Life Coverage Personal Accident Coverage Hospital Cash Coverage
INSUREME39 Bronze Annual P39 P 25,000 P 25,000 Up to Php750, max 3 days confinement
INSUREME78 Silver Annual P78 P 50,000 P 50,000 Up to Php 1,500, max 6 days confinement
INSUREME220 Gold Annual P220 P 100,000 P 100,000 Up to Php 5,000, max 20 days confinement
INSUREME440 Platinum Annual P440 P 200,000 P 200,000 Up to Php 10,000, 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 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:
        • Within the age of 18-65.

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.