ClearCover — Insurance gap calculator for the Philippines

Guided Path

Find my number

Walk through your life stage. A short, educational assessment that calculates your obligations and offsets — for life cover, and for health.

Itemize debt, income, mortgage, and education. Subtract what you already have. That remainder is the gap.

The same walkthrough, for medical bills: what a bad year of care costs, and what PhilHealth and an HMO actually pay.

Self-Directed

Skip the questions. A dashboard to adjust the parameters yourself and watch the gap move — for life cover, and for health.

Turn the DIME knobs. Income, debt, dependents, offsets — see how the number shifts.

A dashboard for benefit ceilings, deductibles, and cash you can actually post at a hospital billing desk.