GCash Provides Free Health Insurance to Millions of Filipinos Through Buy Load

Okay, so I have been lowkey gatekeeping this for a while now, and I think it's finally time to share it. 

If you regularly buy load through GCash, you might already be covered by free health insurance without even realizing it. Yes, free. No extra steps, no additional payment. Just by buying load the way you normally do.

I know, right? 

GCash has been quietly providing free health insurance to millions of Filipinos through their Buy Load feature, and honestly, this is the kind of thing everyone needs to know about, especially those of us who are always on the go and don't really have the time to think about getting insurance separately.

So if you've been sleeping on this like I was, stick around because I'm breaking down everything you need to know: what the coverage is, how it works, and how you can make the most out of something you're probably already doing every single day. 

How to Avail of Your FREE Insurance Through GCash

It's actually really simple and only takes a few minutes. Here's how to do it step by step:

1. Log in to your GCash account
Make sure you have enough balance to buy load before you start.

2. Tap the Load icon
You'll find this on your GCash dashboard.

3. Select the Mobile icon
Make sure the country is set to the Philippines so the list of local telecom providers will show up.

4. Choose your preferred telecom provider
I personally chose Smart, but it doesn't matter whether you pick Globe, TM, or Gomo; you'll still qualify for the free insurance either way. 

5. Enter the mobile number
Double-check that the number is correct before moving forward.

6. Select your preferred load or promo
I always go with Regular Load, simple and straightforward.

7. Enter the amount
I chose ₱100. You can adjust this depending on how much load you need.

8. Don't skip this part tap "Claim your FREE Health Insurance"
This is the most important step, and it's easy to miss if you're not paying attention. Make sure you tap it!

9. Tap "I want FREE Health Insurance"
Confirm that you want to avail of the free coverage.

10. Tap Pay
Once you complete the payment, you'll see below the convenience fee that your load now comes with FREE Health Insurance. No extra charge. 

How to Check Your FREE Insurance

Already availed it and want to see your coverage? Here's how to check:

1. On your GCash dashboard, tap GInsure

2. Tap My Insure, and you'll see the full list of your FREE Insurance policies from GCash

As you can see, I actually have multiple free insurance policies already because I've been doing this every time I buy load; honestly, it's such an easy way to get coverage without spending anything extra. 

Note: Sensitive information needs to be removed for privacy, and please don't forget to read the Terms & Conditions.

Still have questions? I've got you covered. Read more about how GCash is making free health insurance accessible to millions of Filipinos all through something as simple as buying load.

In line with the Philippines’ efforts to further boost the local insurance industry, GCash, the country’s leading finance super app, is introducing a new feature to unlock access to insurance for millions of Filipinos. The e-wallet is providing free health insurance, underwritten by FPG Insurance, every time eligible users buy prepaid credits for themselves using the Buy Load service.

“This initiative, powered by GInsure in partnership with FPG Insurance, reflects the commitment of GCash to making financial protection accessible to every Filipino, ensuring that even the simplest transactions, like buying prepaid load, come with the added security of health coverage at no extra cost,” said Winsley Bangit, vice president and group head of New Businesses at GCash.

The country’s insurance penetration has been growing in recent years, but it remains below 2%. With millions of Buy Load users on the app primarily receiving mobile load, GCash sees an opportunity to protect more Filipinos, offering a valuable incentive beyond telecommunications.

Made possible by GInsure, every time eligible users make Buy Load transactions on the GCash app, they can also avail of the free health insurance coverage, empowering users to prepare for unexpected medical expenses due to accidents or hospitalization. “Beyond just financial assistance, this benefit ensures that users have funds to cover medical costs or compensate for lost income during recovery, helping prevent families from falling

deeper into debt and alleviating financial struggles,” Ren-Ren Reyes, president and CEO of GCash mobile wallet operator G-Xchange, Inc.

The free health and accident insurance gives eligible users up to PHP 30,000 coverage and additional valuable benefits. For every load purchase, a user can automatically get PHP 10,000 in accidental death coverage, which can be accumulated up to a maximum of PHP 30,000 when making up to three separate eligible load purchases.

Users can also get income assistance when they’re hospitalized due to illnesses and accidents, allowing them to receive PHP 500 per day salary assistance for a maximum of 5 days. They can also get up to PHP 10,000 in disablement benefit, providing the user or their beneficiaries a safety net.

GCash introduced this initiative in response to shifting user needs. With millions of Filipinos still hesitant to fully embrace digital transactions, they still rely on traditional offline methods. Now, with free health insurance seamlessly integrated into prepaid load transactions, users can enjoy more benefits when they go digital, making each purchase not just more convenient but also rewarding.

About GCash

GCash is the Philippines’ #1 Finance Super App and Largest Cashless Ecosystem. Through the GCash

App, users can easily purchase prepaid airtime; pay bills via partner billers nationwide; send and

receive money anywhere in the Philippines, even to other bank accounts; purchase from over 6 million

partner merchants and social sellers; and get access to savings, credit, loans, insurance and invest

money, and so much more, all at the convenience of their smartphones. Its mobile wallet operations

are handled by G-Xchange, Inc. (GXI), a wholly-owned subsidiary of Mynt, the first and only $5 billion

unicorn in the Philippines.

GCash is a staunch supporter of the United Nations Sustainable Development Goals (SDGs), particularly

UN SDGs 5,8,10, and 13, which focus on safety & security, financial inclusion, diversity, equity, and

inclusion as well as taking urgent action to combat climate change and its impacts, respectively.

About FPG Insurance

FPG Insurance is one of the leading non-life insurance providers in the Philippines, committed to

delivering innovative and accessible protection for individuals, families, and businesses. With over 67

years of service in the industry, FPG Insurance is known for its customer-first approach and innovative

solutions. Its wide range of products and services includes motor insurance, personal accident

insurance, cyber insurance, and home & condo insurance, designed to meet the evolving needs of every

Filipino.

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