Unexpected expenses can test even the best-laid plans. The Bangko Sentral ng Pilipinas’ 2025
Consumer Finance and Inclusion Survey found that only 30% of Filipino adults said their current
finances or savings would last, while 48% said it would be very difficult to come up with
emergency funds, highlighting the importance of being financially prepared for unexpected
situations.
For Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, preparedness should go
beyond physical precautions. “Being ready means looking beyond what we can anticipate and
preparing for what we cannot. Financial protection is an important part of that preparedness,
and our goal at Cebuana Lhuillier is to make insurance simpler, more affordable, and more
accessible so Filipinos can put that protection in place before they need it.”
This is where ProtectMax, Cebuana Lhuillier’s affordable microinsurance, comes in. For ₱50,
Filipinos aged 7 to 70 can get four months of coverage, with no medical examination required
and up to five active policies per person. Available at 3,500 Cebuana Lhuillier branches
nationwide, ProtectMax makes financial protection more accessible, giving Filipinos an added
layer of support for life’s unplanned moments.
But what do these unforeseen situations look like in everyday life? From the daily commute to
routine tasks at home, here are five “deliks” (dangerous) instances when protection can make a
difference.
1. When a Routine Commute Takes a Dangerous Turn
You’re on your usual way to work, school, or home when a sudden road accident changes
everything. Even with the usual precautions, accidents can happen in an instant, and in the
worst-case scenario, they can result in loss of life.
In the unfortunate event that a covered accident results in loss of life, ProtectMax provides
added peace of mind by extending financial support to loved ones during a difficult time.
2. When a Loved One Suddenly Passes Away
Not every loss comes from an accident. An unexpected illness or other unforeseen
circumstance can also result in the passing of a family member, bringing emotional and financial
challenges at the same time.
When a policyholder passes away from a covered cause, ProtectMax supports the beneficiary
and helps ease some of the financial responsibilities that may follow.
3. When a Fire Leaves You Facing an Unexpected Loss
A fire can happen without warning, leaving you to deal with the loss of belongings and the
challenges of getting back on your feet. The financial impact can make an already difficult
situation even harder.
If a fire results in a qualifying loss covered by the policy, ProtectMax provides financial support
to the insured policyholder that can help ease the strain and provide a starting point for
recovery. While it cannot undo what was lost, the support can help the policyholder take the first
steps toward rebuilding.
4. When You Find Yourself in an Unexpected Threat
You’re heading home after a late shift when an unexpected confrontation turns into an
unprovoked assault. While situations like these are difficult to anticipate, the financial
consequences can add another layer of worry to an already distressing experience.
Should an incident involving murder or unprovoked assault fall within the policy’s coverage,
ProtectMax can provide support that may lessen the financial burden on the policyholder or their
loved ones.
5. When an Accident or Illness Disrupts Your Plans
An unexpected health issue can happen anytime, whether you suddenly need urgent medical
attention or have an incident at home. The added costs can strain a tight budget.
For situations requiring urgent care and falls within the policy, ProtectMax offers added financial
support and relief from the pressure of unexpected costs.
These everyday situations show why accessible protection can make a difference when life
takes an unexpected turn.
For Atty. Isagani Acosta, General Manager of Cebuana Lhuillier Insurance Brokers (CLIB),
making protection accessible is an important part of everyday preparedness. “Our goal is to
bring protection closer to Filipino families. With ProtectMax, we remove barriers of cost and
access, making insurance a practical choice for everyday preparedness.”
Being prepared is not only about knowing what to do when something happens. It is also about
putting protection in place before you need it.
Be More Handa with ProtectMax.