Palawan’s 'ProtekTODO' makes insurance simple and affordable

Insider Spotlight

• Palawan’s ProtekTODO simplifies insurance for everyday Filipinos
• Plans start at just P20, covering health, accident, and more
• Accessible via Palawan branches, PalawanPay app, Shopee, and Lazada
  

For many Filipinos, insurance has long been seen as complicated, expensive, and out of reach. Palawan’s ProtekTODO aims to change that perception—transforming financial protection into something easy, practical, and affordable for everyone.

The big picture

Offered by Palawan Pawnshop–Palawan Express Pera Padala, ProtekTODO is designed like an everyday essential—simple to buy, easy to understand, and packed with benefits. 

With prices starting at only P20, it offers coverage for health, hospital confinement, accidents, fire, travel, and even pets, helping more Filipinos secure peace of mind without the usual barriers of high cost or complex paperwork.

“ProtekTODO represents more than just affordable insurance—it’s a step toward a future where every Filipino has access to protection that fits their lifestyle and budget,” Lisa Castro-Sabado, chief business development officer of the Palawan Group, said in a press release on Nov. 12, 2025. 

“We’re making financial security not a privilege, but a norm for every family, in every community,” she added. 

Lisa Castro-Sabado 

Chief business development officer, Palawan Group

Why it matters

Insurance penetration in the Philippines remains low, with many people viewing it as unnecessary or too expensive. ProtekTODO challenges that mindset by proving that coverage doesn’t need to be complicated or costly. 

By offering bite-sized policies available at Palawan branches, through the PalawanPay app, and on e-commerce platforms like Shopee and Lazada, Palawan makes insurance as accessible as any everyday purchase.

A new way to give protection

This Christmas, Palawan introduces ProtekTODO as a new kind of gift—one that delivers care and protection in a practical form. Compact, themed, and ready to give, the insurance policy can be slipped into an envelope or gift basket, symbolizing safety and security for loved ones.

“With ProtekTODO, we’re helping families protect what’s most important while keeping the true spirit of Christmas alive,” said Bernard Kaibigan, chief marketing officer of the Palawan Group.

The bottom line

By breaking the notion that insurance is only for the wealthy or well-informed, Palawan’s ProtekTODO brings financial protection within reach. Affordable, simple, and accessible, it empowers Filipinos to start viewing insurance not as a luxury—but as a practical necessity for everyday life. —Vanessa Hidalgo | Ed: Corrie S. Narisma