AIA
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I'd say getting critical illness insurance early is a good move. One of my biggest regrets was not doing so. Narealize ko nalang when I developed a medical condition at 25. Fortunately, I was still insurable and was able to get covered three years later, once my condition became stable. But my premiums were already higher.
What's your current living situation? Are you living alone, with your parents, or are you a breadwinner? Yung net salary mo ba sayo na talaga or may iba ka pang sinusuportahan? I think these are important to consider because they'll affect whether you'll be able to comfortably sustain the policy in the long run.
You can also compare similar plans from other companies before deciding. Don't just compare the premium. Look at the coverage amount, covered illnesses, payment period, and even the claim structure. For example, si AIA may similar plan but upto 3x na ang pwedeng critical illness claims. At your age, I think it's worth comparing because the difference in premium may not be as much as you'd expect.
Personally, I don't mind longer pay periods, especially if it means mas magaan sa budget every month. So I still get to enjoy what I earn and save or invest for other goals. You can also explore other payment modes. Usually, mas makakatipid ka if annual, semi-annual, or quarterly yung payment mode instead of monthly. I'd also maximize how much coverage I can get now kesa next time ako mag add. Kasi as we age, tataas na nga ang premiums tapos hindi pa natin alam kamusta ang health..

I'd say getting critical illness insurance early is a good move. One of my biggest regrets was not doing so. Narealize ko nalang when I developed a medical condition at 25. Fortunately, I was still insurable and was able to get covered three years later, once my condition became stable. But my premiums were already higher.
What's your current living situation? Are you living alone, with your parents, or are you a breadwinner? Yung net salary mo ba sayo na talaga or may iba ka pang sinusuportahan? I think these are important to consider because they'll affect whether you'll be able to comfortably sustain the policy in the long run.
You can also compare similar plans from other companies before deciding. Don't just compare the premium. Look at the coverage amount, covered illnesses, payment period, and even the claim structure. For example, si AIA may similar plan but upto 3x na ang pwedeng critical illness claims. At your age, I think it's worth comparing because the difference in premium may not be as much as you'd expect.
Personally, I don't mind longer pay periods, especially if it means mas magaan sa budget every month. So I still get to enjoy what I earn and save or invest for other goals. You can also explore other payment modes. Usually, mas makakatipid ka if annual, semi-annual, or quarterly yung payment mode instead of monthly. I'd also maximize how much coverage I can get now kesa next time ako mag add. Kasi as we age, tataas na nga ang premiums tapos hindi pa natin alam kamusta ang health..