InLife Global Care launched to close healthcare confidence gap for Filipinos

Tweet

Plan offers P125M in coverage, worldwide healthcare access, guaranteed renewability up to age 99

Rising medical costs, gaps in existing health coverage and complex treatment options have given rise to a healthcare confidence gap, leaving Filipinos unable to seek proper medical care when the need arises.

In 2025, the country’s Total Health Expenditure (THE), reached P1.87 trillion, a 15.1 percent increase from 2024’s THE of P1.63 trillion. Of this, 41.2% was paid out-of-pocket, placing a direct financial burden on individuals and families, according to the Philippine Statistics Authority. Meanwhile, 2026 medical costs can potentially increase to 16.1%, indicating a continued rapid increase in healthcare spending, which highlights the need for better healthcare funding among Filipinos.

These numbers indicate a health crisis that affects even affluent families who have the financial means to pay for healthcare when a serious illness strikes. After all, major illnesses and healthcare concerns can mean more than medical expenses. They can disrupt business interests, investments, and other financial priorities.

InLife Global Care, a premium health insurance solution, aims to address these gaps to give Filipinos greater choice, flexibility and confidence when important healthcare decisions arise.

"Healthcare confidence is knowing that when a serious medical situation happens, you have choices, resources, and someone you can rely on to help you move forward. InLife Global Care aims to provide all these and more, to help those who have worked hard to build their careers, businesses, and family wealth, and who recognize that protecting their health is just as important as protecting their financial future," said InLife Chief Product and Innovation Officer Jose Eduardo O. Ang.

For many Filipinos, healthcare confidence means having the financial protection that does not reduce savings or business cash flows, family protection, long-term health coverage, funds to cover healthcare costs that may not be sufficiently covered by one’s health maintenance organization (HMO), and treatment options whether locally or abroad.

InLife Global Care provides all these and more. It gives up to P125M annual coverage, with cashless service options and the flexibility to choose how and where one receives care, with access to accredited healthcare providers in the Philippines and abroad.

InLife Global Care delivers not just comprehensive inpatient coverage but also outpatient and preventive care benefits for essential healthcare needs, especially as a supplement to one’s HMO coverage such as major hospitalization, serious illnesses and cancer treatments, outpatient benefits including consultations and diagnostics, and even emergency treatment outside areas of coverage for up to P12.5M, subject to policy terms, conditions, limits and exclusions.

Designed primarily for affluent and globally minded Filipinos, InLife Global Care is positioned as an additional layer of protection for executives, business owners, senior professionals, entrepreneurs, affluent families and individuals whose lifestyles, careers or family connections extend beyond the Philippines.

For Filipinos seeking protection beyond their working years, InLife Global Care is renewable annually until age 99, and includes a built-in life insurance benefit that provides additional protection up to age 70, for as long as the plan remains active.

"Whether it is choosing where to receive treatment, determining the level of protection they need, or ensuring that their coverage can continue as they grow older, the goal is to give Filipinos greater control and confidence wherever life takes them. We want them to have access to quality healthcare without compromising everything they worked hard for."

InLife Global Care is backed by InLife’s more than a century of experience providing life and health insurance to Filipinos for more than 115 years.

"InLife's 115 years of experience gives us a deep understanding of what matters to Filipino families. They want world-class care, but they also want the reassurance of knowing that they and their families have someone they can depend on when difficult healthcare decisions arise. That is what we mean by World-class care. Filipino heart. InLife certainty." said Ang.

InLife Global Care means more than covering medical expenses. It gives individuals the freedom to consider the best treatment options locally or abroad, while protecting personal savings, business funds, and long-term plans for education, retirement and the family. It also provides support during a health crisis, reducing the burden on loved ones and allowing individuals to focus on their care and recovery.

To know more about InLife Global Care, interested individuals may talk to their InLife financial advisor or visit www.inlife.com.ph/inlife-global-care.

Ella in the website and InLife App: Your personal insurance assistant Is now just a chat away

Tweet

Getting answers about your life insurance policy is now faster and easier.

First and largest Filipino life insurer InLife has enhanced its digital customer experience by bringing Ella, its AI-powered virtual assistant, into the website for general inquiries, and the InLife App, allowing policyholders to get direct answers about their policies anytime, wherever they are.

Ella can assist customers with information specific to their InLife policies through their InLife App. Whether checking premium due dates, fund values, coverage details, or beneficiary information, customers can simply start a conversation and receive answers within seconds.

The move is part of InLife's continuing efforts to make insurance more accessible, convenient, and responsive to the evolving needs of its customers, and reflects the company's own transformation.

Formerly known as Insular Life, the company now carries the shorter name InLife, reflecting its commitment to making insurance simpler, not only in name, but also in the way customers access information, purchase protection, and manage their policies.

"Our customers increasingly prefer digital channels that allow them to access information quickly and conveniently, wherever they may be, and whenever they want. By bringing Ella into the InLife App and our website, we're making it easier for policyholders and even the general public to connect with us and get the information they need. It's another step in our commitment to deliver a simpler, smarter, and more customer-centered insurance experience," said InLife Chief Customer Experience and Operations Officer Geraldine B. Alvarez.

Available around the clock, Ella offers a convenient alternative to calling InLife’s hotline or sending an email, making it easier for customers to access information anytime.

As with any intelligent virtual assistant, Ella continues to improve through every interaction. Customers are encouraged to provide feedback whenever a response is unclear or incomplete, helping Ella become even more helpful over time.

Ella is now available through the InLife Website at www.inlife.com.ph, InLife App (downloadable via the Google Play or Apple App Store), making policy information more accessible with just a few taps.

Embodying Excellence: InLife recognizes its outstanding employees

Tweet

For raising the standard of their work, service, and leadership, InLife honored its employees during the inaugural InLife Excellence Awards.

InLife Executive Chairperson Nina D. Aguas thanked the employee awardees for helping build the next chapter of InLife’s 115-year legacy of trust and service.

“For 115 years, InLife has stood beside Filipino families through wars, crises, rebuilding, growth, and transformation. We endured because, in every generation, there were InLife employees who chose to do their work well, protected our integrity, and served our policyholders with sincerity,” she said.

InLife recognized ten employees and three teams who have demonstrated outstanding project leadership, strengthened customer service, and helped future-proof InLife.

InLife Chief Human Resources Officer Rozana G. Pecson said the awards program reaffirms InLife’s culture of appreciation.

“At InLife, every achievement, whether big or small, is seen, honored, and celebrated. While we recognize exceptional teams and individuals for their outstanding contributions, every InLifer who shows up and gives their best, day in and day out, is appreciated. We encourage all employees to continue aspiring for excellence—not to seek recognition, but to find fulfillment in going above and beyond to serve our purpose of bringing a lifetime for good to Filipinos,” she said.

Leading with purpose, passion, and integrity

InLife recognized ten employees who have demonstrated outstanding project leadership, strengthened customer service, and helped future-proof InLife.

The employees awardees who led with purpose, passion, and integrity were: Maria Celeste Andes, Events and Merchandise Management Lead from Marketing Division; Zolah Botin, Principal Data Scientist from Data and Analytics Division; Joseph Gary De Guzman, Senior Property Engineer from Real Property Division; Atty. Joyce Anne Gascon, Corporate Lawyer from Legal and Governance Division; and Jeffrey Santiago, Solutions Development Lead from Information Technology Division.

The employees who consistently went beyond expectations were: Andrea Denise Gapan, Digital Archivist from Marketing Division; Michael Jan Banaylo, Actuarial Manager from Actuarial Division; Carina Galang, Solutions Delivery Head from Information Technology Division; Vince Jon Raymundo, Region Head of Metro Central Regional Office from Agency and Group Distribution; and Victor Samaniego, Jr., Business Development Manager from Bancassurance Division.

Representing InLife with pride and purpose

InLife recognized three cross-functional teams who have shown collaboration, unity of purpose, and shared commitment to delivering results. The team awardees were the Operational and Customer Excellence Team, New Business Straight-Through Policies Project Team, and Retire Without Worries Team.

InLife also gave special awards to Ethel Joy Salazar, Head of Operational and Customer Excellence; Darnyl Taguilaso, Head of Actuarial Corporate Department; and Kairos Team, who took charge of the 115th Anniversary commemorative book, microsite, and exhibit.

Fred Dioso, InLife Vice President for Rewards, Services, and Technology, Human Resources said the recognition program celebrates employees who contribute meaningfully to the company’s mission of providing a full-range of high-value insurance products and other related services that empower families to attain financial security.

“Excellence at InLife goes beyond individual achievement. It includes working together across teams, inspiring others through action, adapting to changes, and representing InLife with pride, professionalism, and purpose,” he said.