New ways for providing insurance are needed to expand financial protection for vulnerable and underserved Filipinos, who face the most risk but are traditionally excluded from financial services.
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This was highlighted by GCash, the Philippine’s leading finance app, during a recent banking and insurance summit. According to GCash VP and Head of its digital insurance platform GInsure, Willy De Ocampo, digital platforms can play a key role in addressing the country’s protection gap. The Philippines recorded an insurance penetration rate of 1.79 percent at the end of 2025, improving from 1.67 a year earlier, but still below the country’s 2 percent target and behind peers across Southeast Asia.
By integrating vital protection into routine financial transactions, GCash helps to dismantle traditional barriers to insurance. “Many Filipinos see insurance as necessary, but they often feel the process is complicated or expensive,” De Ocampo said. “We want to make insurance easy for our customers and show them that protection is something they already have access to.”
GInsure has enabled over 20 million Filipinos to access insurance as of Q4 2025, up over 40% since the first quarter. In addition, 75% of GInsure customers are located outside Metro Manila and 76% belong to socioeconomic classes D and E, highlighting the pressing need to extend protection across all levels of society.
More Inclusive Protection
To help solve the protection gap, GCash through its insurance platform GInsure is pioneering new ways to expand protection through its embedded and free insurance solutions within the app. “Our goal is to create innovative and relevant protection embedded in everyday transactions,” De Ocampo said. “By integrating insurance directly into financial services people already use, we reduce barriers and help more Filipinos prepare for emergencies.”
Filipinos can stay protected from unauthorized transactions, from hacking, phishing, smishing, malware scamming or other similar scams, including unauthorized access to their GCash account for up to ₱15,000 for as low as P30 for 30 days with embedded protection from GInsure: Express Send Scam Insurance, powered by Chubb. The policy also covers unauthorized transactions on supported online merchants and app-based payment channels, such as Lazada, Shopee, and the Play Store.
The e-wallet also offers Filipinos free protection bundled with digital transactions like applying for a loan or buying mobile load within GCash. Fuse Financing Inc. (Fuse), the lending arm of GCash, offers free health insurance underwritten by Oona Insurance, covering hospitalization allowance through GInsure, to borrowers of its GLoan feature for loans worth ₱500.00 and up.
Meanwhile, Filipinos can also access free health and accident insurance through GInsure whenever they buy mobile load. Underwritten by FPG Insurance, the free insurance covers up to ₱30,000 (including up to ₱2,500 hospital assistance) for as long as 30 days every load purchase.
GInsure joined financial institutions, insurers, regulators, and technology providers at the recently-held 2026 Asian Banking & Finance and Insurance Asia Summit to discuss developments shaping the region’s financial services sector with a focus on digitalization, inclusion, and risk management.
GCash continues to work with partners across the industry to expand financial protection and strengthen financial resilience among underserved communities across the country.
For more information, visit https://www.gcash.com.
