Why starting early matters when it comes to health protection

Setting aside savings, investing in stocks, managing a budget to reach life goals, and getting insurance coverage—these are just some of the healthy financial habits more Filipinos are embracing today. It’s refreshing to see, especially since financial literacy wasn’t as widely discussed or understood just a few decades ago. Today, even teens and young adults have a better understanding of saving, investing, and planning for the future. ​

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This reflects how the younger generation is becoming more intentional about preparing for what lies ahead. In fact, 9 out of 10 Filipinos say that achieving independence and remaining self-reliant for as long as possible is a priority¹ . According to a survey, 88% of Filipinos also believe that independence and financial freedom are the new “inheritance” they want to give their families.¹  After all, being able to support yourself, take care of your family, and pursue your dreams—whether that means traveling the world, owning a home, or starting a business—is definitely a flex! ​

Among our many financial priorities, one important area can sometimes be overlooked: health insurance. (This is not the same as your emergency fund.) Comprehensive health coverage is an important part of building financial security. After all, the saying health is wealth couldn’t be more true. A serious illness or a medical emergency can affect not only your health but also your savings, income, plans, and even your loved ones’ financial futures. That’s why protecting your health should be part of your financial plan. And the earlier you start, the better. Generally, getting health insurance while you’re younger can mean lower premiums. The cost of getting insured at age 20, for example, can be significantly lower than getting the same type of coverage at age 30. Starting early also means you can have protection in place long before you might need it. ​

Perfect for Filipinos, Manulife HealthFlex is a guaranteed health insurance plan designed to provide financial protection when serious illness strikes. It offers coverage from early-stage diagnosis through recovery, with protection up to age 100 against more than 100 critical illnesses, including cancer, heart attack, and stroke. Beyond coverage, HealthFlex also includes features that can help ease financial pressure during recovery. Upon diagnosis of a covered critical illness, you'll enjoy a one-year waiver of premiums, allowing you to focus on recovery without worrying about future premium payments. For added financial support, you may also choose to add Hospital Income Benefit, which provides a daily cash benefit when hospitalized and unable to work due to illness or injury. You can also choose a payment period that works with your financial plans, whether that's 5 years, 10 years, or up to age 60. ​

Savings, stocks, and real estate are all great ways to build your financial future. But while you're working hard to grow your wealth, don't forget to protect the one thing that allows you to enjoy everything you've built: your health. ​

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Get health insurance and protect your savings, your independence, and the future you're working so hard to build. 

Source: Asia Care Survey 2026​

Want to learn more about how to plan for a better, longer life? 

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