In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

SERVICES & SOLUTIONS

Microinsurance

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Comprehensive and cost-efficient coverage with 8 protection benefits

In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

Inclusion

  • Accidental death

  • Ambulance benefit

  • Accidental disablement and dismemberment

  • Accident and sickness cash assistance

  • Fire/lightning cash assistance

  • Motorcycling benefit

  • Natural death

  • Unprovoked murder and assault

Meet our Microinsurance Team

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Nino Sauler

Senior Vice President
Nino.Sauler@lockton.com
+63 917 545 1463

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Hanica Bayaborda See

Vice President, Client Services & Relationship Management
Hanica.Bayaborda@lockton.com

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Brian C. Fontanilla

Senior Manager, Deputy Head, Client Services
Brian.Fontanilla@lockton.com
+63 288 110 388

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Hye-Won "Eunice" Park

Vice President, Korean Accounts
Eunice.Park@lockton.com

News and Insights

Protect your people with healthcare that understands them

In today’s evolving workforce, employee wellness must go beyond the basics. Lockton Philippines now offers IC-approved gender-specific insurance and HMO products designed to address the unique health needs of women—delivering deeper support, financial protection, and inclusive care.

Why Gender-Specific Health Insurance Matters
Traditional health plans often miss the mark when it comes to women’s specific health risks. By integrating gender-sensitive benefits, you can close this gap and give your employees the care they truly deserve. These products not only address major health concerns like female-specific cancers and pregnancy-related conditions, but also support employees through preventive, surgical, and recovery stages of careRedefining Employee Health Benefits with Gender-Specific Insurance Solutions

Ensuring business resilience in a polarised world

Businesses need to adjust to a world where accelerating geopolitical shifts are becoming the new norm. Remaining agile and adaptive in a polarised world will be a precondition for success going forwards.Businesses need to adjust to a world where accelerating geopolitical shifts are becoming the new norm. Remaining agile and adaptive in a polarised world will be a precondition for success going forwards.

New business appetite for cargo risks at record levels

After several years of post-pandemic recovery and trading uncertainties, the beginning of 2025 has seen an increase in market participants that has led to insurance capacity reaching an all-time high. This comes despite ongoing challenges in the broader economic and geopolitical landscape.  After several years of post-pandemic recovery and trading uncertainties, the beginning of 2025 has seen an increase in market participants that has led to insurance capacity reaching an all-time high. This comes despite ongoing challenges in the broader economic and geopolitical landscape.

Mitigating Emerging Risks in Healthcare: Lessons For the Future

The healthcare industry is undergoing rapid transformation, propelled by innovation in technology and evolving patient demands. However, this evolution comes with its own set of challenges. Insights from global markets, particularly the US, UK, and Singapore, highlight critical issues such as nuclear verdicts, batch claims, cybersecurity risks, and the integration of artificial intelligence (AI). Here's how healthcare providers can address these emerging risks.The healthcare industry is undergoing rapid transformation, propelled by innovation in technology and evolving patient demands. However, this evolution comes with its own set of challenges. Insights from global markets, particularly the US, UK, and Singapore, highlight critical issues such as nuclear verdicts, batch claims, cybersecurity risks, and the integration of artificial intelligence (AI). Here's how healthcare providers can address these emerging risks.
Read more news and insights

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