5 Unexpected “Deliks Moments” Filipinos Can Prepare for with Protectmax

An ordinary day can quickly turn into an emergency. A road accident, sudden illness, or residential fire can disrupt routines and leave families facing expenses they did not anticipate.

Cebuana Lhuillier’s ProtectMax offers an additional layer of financial protection for specified events. Priced at ₱50 for four months of coverage, the product is available to eligible Filipinos aged 7 to 70, with no medical examination required.

Here are five “deliks moments” worth preparing for—and how the policy’s benefits may help.

1. A routine commute ends in a serious accident

Daily travel carries risks, even for people who take precautions.

If a covered accident results in the insured person’s death, ProtectMax provides a benefit to eligible beneficiaries. The product also includes accidental dismemberment or disablement benefits, subject to the policy’s definitions and conditions.

2. A family unexpectedly loses a loved one

The death of a family member can bring financial responsibilities alongside grief.

ProtectMax includes a death benefit for covered causes, including qualifying illness-related deaths. Eligibility, exclusions, and provisions concerning pre-existing conditions affect whether a claim is payable.

Families should review these conditions before relying on the benefit.

3. A fire damages the family home

A residential fire can damage belongings and interrupt everyday life.

ProtectMax includes cash assistance for qualifying fire-related property loss or damage. This provides a defined financial benefit rather than a promise to replace everything lost or pay the full cost of rebuilding.

4. An unprovoked attack has fatal consequences

Unexpected violence can leave a family dealing with both loss and financial strain.

ProtectMax’s murder and unprovoked assault benefit applies to qualifying deaths under the policy. It should not be understood as an automatic payout for every confrontation or nonfatal assault. Cebuana Lhuillier’s published benefit description specifies payment to beneficiaries when the insured dies from a covered incident.

5. An accident or sudden sickness requires emergency treatment

An injury or sudden illness requiring hospital treatment can create immediate financial pressure.

ProtectMax includes Accident or Sickness Emergency Cash Assistance for qualifying cases. This is a limited cash benefit, so customers should check the applicable amount, waiting period, and claim requirements rather than assume all medical expenses will be reimbursed.

Pioneer’s product information lists emergency cash assistance among ProtectMax’s benefits, alongside death, accident, and fire-related protection.

Know your protection before an emergency

Cebuana Lhuillier President and CEO Jean Henri Lhuillier said the company aims to make financial protection simpler, more affordable, and more accessible so Filipinos can prepare before they need it.

Customers may hold up to five active policies, although benefit-specific limits still apply. Having multiple policies does not necessarily multiply every benefit.

According to Cebuana Lhuillier, ProtectMax is available through its 3,500 branches nationwide.

Atty. Isagani Acosta, general manager of Cebuana Lhuillier Insurance Brokers, said the product is intended to reduce barriers of cost and access for Filipino families.

Before purchasing, ask for the current benefit schedule and review coverage dates, exclusions, waiting periods, and required claim documents. Terms, conditions, and exclusions apply.

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