Palawan ProtekTODO, the microinsurance arm of the trusted Palawan Group of Companies, is reshaping how Filipinos access protection with the launch of ProtekSure—an embedded insurance feature within the PalawanPay app that offers instant, affordable, and hassle-free accident coverage.
With ProtekSure, bill payments through PalawanPay now come with the option to secure personal accident insurance on the spot. It’s a smart, seamless way to turn everyday transactions into powerful moments of protection.
Insurance Made Simple and Accessible
For many Filipinos, insurance often feels like an extra burden—too expensive or simply not a priority. Common sentiments like “Mahal ’yan” or “Hindi para sa’kin, marami pa akong gastusin” continue to discourage people from getting insured.
But the numbers tell a bigger story. According to 2025 data from Statista, insurance penetration in the Philippines remains alarmingly low at under 2%. Palawan ProtekTODO is on a mission to change that.
By embedding insurance into a platform millions already use and trust, ProtekSure removes financial and procedural barriers that often prevent people from getting covered.
Big Protection, Small Price
ProtekSure offers bill payers real value: for just 0.85% of their bill amount, users receive 30 days of personal accident insurance, with coverage worth 36x the amount paid.
Example:
Paying a ₱1,000 bill through PalawanPay?
Add just ₱8.50, and you’re covered for up to ₱36,000.
That’s affordable peace of mind—built right into your daily financial routine.
Empowering Protection for Every Suki
“This is about making insurance work for everyday Filipinos,” said Karlo M. Castro, President and CEO of Palawan Group of Companies. “With ProtekSure, we’ve made it incredibly easy to access meaningful protection, simply by doing something our Sukis already do—pay bills through PalawanPay.”
ProtekSure is the latest in a growing suite of embedded financial safety features within PalawanPay. It builds on the success of ProtekPadala, a fraud protection feature for remittances that has already helped thousands protect themselves from digital scams.
Both innovations share a powerful message: protection should be simple, affordable, and integrated into the financial tools people already use.
Redefining Insurance for the Digital Age
Palawan ProtekTODO is breaking new ground by making insurance not just accessible—but relevant. With ProtekSure, it’s not about upselling a separate product. It’s about integrating protection into habits that already exist.
By turning everyday actions—like bill payments—into opportunities for empowerment, Palawan Group is proving that financial security doesn’t have to come at a premium.
With ProtekSure, a few pesos can go a long way toward peace of mind.
Because when protection is practical, people are empowered to take it.
