u/AcanthisittaGreen977

Hi everyone,

I’m looking for advice on critical illness insurance in the Philippines for my parents:
Female, 58 (non-smoker)
Male, 56 (smoker)

Main goal:

1. ₱1M face amount each
2. Lowest possible annual premium
3. Preferably non-VUL / traditional protection-only plan if it’s cheaper
4. Focus on major illnesses (cancer, stroke, heart attack, etc.)

They already have an HMO (Medicard ₱150K coverage), so this is just additional protection for major illnesses.

I’ve checked AIA / AXA / Sun Life but pricing seems to vary a lot depending on agent and underwriting (especially for smokers).

So I’d like to ask:

1. Which company currently offers the best value for this age range?
2. Any idea of realistic annual premiums for ₱1M coverage at ages 56–58 (especially with smoker loading)?
3. Any experience with claims or approval issues for older applicants?

Any input would really help. Thanks!☺️🙏