OIC Life Plan Program

Secure Your Future with Pre-Need Protection

A membership benefit that covers you for life — because planning ahead is the greatest act of love for your family.

Check My Eligibility

What is the OIC Life Plan?

A pre-need benefit provided to eligible OIC members.

The OIC Pre-Need Life Plan is a member protection program that ensures qualified members and their families receive financial assistance in times of need.

As an OIC member, you are automatically eligible to participate in this program — offering you lifetime protection coverage during your entire period of active membership.

The program is designed to be accessible and affordable, with qualified members receiving a 50% government subsidy on their annual contribution, making quality coverage available to everyone.

LIFE PLAN Protection

Full coverage during your entire period of membership — from day one to retirement and beyond.

Who is Eligible?

Membership type and age determine your qualification and benefits.

Standard Eligible Members

All regular and full-fledged OIC members aged 18 years old and above who registered on or before June 30, 2022 qualify for a 50% subsidy on the ₱360 yearly contribution and receive full LIFE PLAN protection.

✔ Subsidy Eligible

Late Enrollees (Ages 65–69)

Regular and full-fledged OIC members aged 65–69 years old accepted after June 30, 2022 may still join the program. However, they are not entitled to a subsidy and are subject to a one-year contestability period.

⚠ No Subsidy · Contestability Applies

Contestability Period

Late enrollees must complete a one (1) year contestability period from their enrollment date before full coverage benefits are activated. During this period, claims may be reviewed or contested by program administrators.

ℹ Applies to Late Enrollees Only

💡 Key Date: June 30, 2022

This is the reckoning date for membership registration. Members registered on or before this date are entitled to the full 50% subsidy. Those accepted afterward — particularly those aged 65–69 — may still participate but under different terms including a contestability period.

Contribution & Benefits Summary

A clear breakdown of what each member pays and receives.

Member Type Age Range Yearly Contribution Subsidy Contestability Coverage
Regular / Full-fledged
Registered on or before June 30, 2022		 18+ years old ₱360 / year
50% subsidized		 ✔ Yes (50%) ✔ None Full LIFE PLAN
Regular / Full-fledged
Accepted after June 30, 2022		 65–69 years old ₱360 / year
No subsidy		 ✗ No ⚠ 1 Year LIFE PLAN (after contestability)

📅 Reckoning Date: June 30, 2022 — This date determines your subsidy eligibility. Members registered before or on this date qualify for the 50% contribution subsidy.

How to Enroll

Simple steps to activate your Pre-Need Life Plan protection.

3

Confirm Membership

1

Verify your OIC regular or full-fledged membership status.

Check Eligibility

2

Confirm your age and registration date against the June 30, 2022 reckoning date.

Submit Application

3

Complete and submit your Pre-Need Life Plan enrollment form to your OIC chapter.

Pay Contribution

4

Pay ₱360/year (or net of 50% subsidy if qualified) to activate your coverage.

y

Receive Coverage

5

Your LIFE PLAN protection is active for your entire OIC membership period.

Frequently Asked Questions

Answers to the most common questions about the OIC Pre-Need Life Plan.

What is the annual contribution for the Pre-Need Life Plan?
The annual contribution is ₱360. Qualified members (those registered on or before June 30, 2022) receive a 50% subsidy, effectively reducing their out-of-pocket cost. Late enrollees aged 65–69 pay the full ₱360 without subsidy.
What does the contestability period mean?
A contestability period is a one-year window after enrollment during which the program may review or contest any claims. This applies only to late enrollees (ages 65–69 accepted after June 30, 2022). Once the contestability period ends, full benefits apply.
I am 70 years old. Can I still join the Pre-Need program?
The program specifies eligibility for members aged 18 and above, with specific provisions for those aged 65–69 who enrolled after the reckoning date. For members above 69, we recommend contacting your OIC chapter directly to inquire about available options.
How long does the LIFE PLAN coverage last?
Your LIFE PLAN protection covers you during your entire period of membership with OIC. As long as you remain an active and regular member and keep your annual contribution current, your coverage remains in force.
What happens if I miss my annual contribution payment?
Please contact your OIC chapter or local administrator for guidance on late payments, grace periods, and coverage reinstatement procedures. Maintaining timely contributions ensures uninterrupted protection.

Ready to Secure Your Family’s Future?

Talk to your OIC chapter representative today and enroll in the Pre-Need Life Plan program.

Check Eligibility