MANILA, Philippines — Insurance is one of the few things people pay for hoping they will never need to use it. Its value stays invisible, quietly present, never felt – until the moment it isn’t.
For Ella Orate, a single mother and FWD Set for Health policyholder, that moment came. She is currently on the road to becoming cancer-free. Her story is now on film – and FWD is sharing it this Women’s Month, because it belongs to every Filipino who has ever wondered whether their insurance would actually be there.
For the women who carry everything
Single mothers occupy a particular place in the Filipino family – provider and protector at once, with little to no margin for the unexpected. When a serious illness strikes, it is never only their crisis. It reaches everyone who depends on them.
This Women’s Month, as the Philippines honors Filipino women under the theme “Lead Like the Babaylans, Filipinas!”, Ella’s story is a quiet, powerful reminder: that taking care of yourself is how you take care of everyone else.
The benefit you hope you never have to see
What a claim makes possible is rarely talked about in insurance. The policy is sold. The premium is paid. And then life goes on, and the protection works in the background, invisible and untested.
What Ella’s claim made possible was the freedom to focus entirely on getting better — without having to carry the financial weight of a crisis on top of the personal one. “At FWD, our purpose goes beyond insurance. It is about being there for Filipinos in the moments that matter most. That is what protection is for.” shares Gavin Lai, FWD Chief Marketing and Digital Commerce Officer. You can watch Ella’s story here: https://www.facebook.com/share/v/14b4SqmSLT4/
About Set for Health
FWD Set for Health is a critical illness insurance plan designed to provide financial protection when health matters most. It offers coverage for major critical illnesses, allowing customers to claim up to three times for unrelated conditions. Upon diagnosis of a major critical illness or total and permanent disability, future premiums are waived, giving policyholders the financial freedom to focus on recovery when it matters most. The plan also provides additional coverage for minor critical illnesses and returns 100% of premiums paid if no major claim is made by age 75 — offering protection with long‑term value. You can learn more about Set for Health here: Set for Health Critical Illness Insurance | FWD Life PH
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About FWD Life Insurance
FWD Philippines is part of FWD Group (1828.HK), a pan-Asian life and health insurance business that serves over 38 million customers across 10 markets, including BRI Life in Indonesia. FWD’s customer-led and tech-enabled approach aims to deliver innovative propositions, easy-to-understand products and a simpler insurance experience. Established in 2013, the company operates in some of the fastest-growing insurance markets in the world with a vision of changing the way people feel about insurance. FWD Group is listed on the main board of the Hong Kong Stock Exchange under the stock code 1828. For more information, please visit www.fwd.com.ph.
FWD Philippines is regulated by the Insurance Commission of the Philippines and is legally permitted to provide insurance products and services within the country.
Want to get in touch? Reach FWD here, or visit us at our Head Office.
Contact the Insurance Commission Philippines here