Protection for Every Filipino: GCash and BPI MS Launch Accident Insurance on GInsure for Everyday Commuting

Commuting is a daily routine shared by millions of Filipinos, often filled with long rides and unpredictable moments. To provide peace of mind on these journeys, GCash, through its in-app digital insurance platform GInsure, has partnered with BPI MS Insurance to launch PasaHERO Protect, an affordable and inclusive accident insurance that covers all forms of public transport* including jeepneys, buses, trains, and even motorcycles used in ride-hailing services like TNVS (Transport Network Vehicle Services) within the Philippines.

In addition, the policy’s double indemnity feature for accidents that occur on public transport aims to offer even more peace of mind.

Available through the GCash app, PasaHERO Protect provides Filipinos with up to Php 500,000 in the event of death or permanent disability caused by an accident while using public transportation; and up to Php 250,000 coverage for other accidents with premiums starting at just Php 15 per month.

With ease of access, PasaHERO Protect can also be bought for up to five people, including friends and loved ones, through one GCash account.

“We believe protection should be part of everyday life–not a luxury, but a basic need that every Filipino and their families can access. Together with BPI MS Insurance, through PasaHERO Protect, we’re making insurance more relevant, affordable, and inclusive for the daily realities of commuters.” said Wilfrido de Ocampo, head of GInsure.

“Through PasaHERO Protect, we’re transforming the insurance landscape. This is about bringing affordable and inclusive coverage closer to the daily habits of Filipinos, especially those who rely on public transport,” said Noriyuki Kobayashi, president and CEO, BPI MS Insurance Corporation.

We’re proud to support everyday Filipinos by providing peace of mind on every ride, so they can move through life with more confidence and less worry.” he added.

Beyond providing financial coverage, the partnership reflects GCash and BPI MS Insurance’s shared commitment to making daily commuting safer for millions of Filipinos. It acknowledges the vulnerability of commuters and offers a safety net that reduces the uncertainty of everyday travel. Furthermore, by tailoring benefits to the realities of commuting, GCash and BPI MS Insurance are reimagining insurance to be more inclusive and relevant.

To experience a safer journey on the road, commuters only need to open the GCash app, go to GInsure, and select PasaHERO Protect to activate their coverage instantly, and with affordable premiums designed to fit into everyday budgets.

By offering financial solutions that respond to real, everyday needs, GCash continues its mission of making finance more inclusive and accessible for every Filipino, while transforming the way insurance and other financial tools serve the nation.

For more information, please visit the Help Center.

From a Day’s Work to a Family’s Future: Grab and MOVE IT Partners Share How Earnings and Enabling Programs Lift Households

MANILA, PHILIPPINES 26 September 2025 - Across Philippine cities, GrabCar driver-partners, MOVE IT rider-partners, and GrabFood delivery-partners are showing how everyday work can power extraordinary progress. That arc — from hustle to upward mobility — takes center stage in a special episode of Paano Ba ’To: The Podcast, where three partners, joined by their families, trace how viable earnings on the road — paired with enabling programs — are helping them pay for school, steady the household, and invest for the long term.  

Three families, three paths to progress

Issei Goto — “You don’t win unless you place a bet.”

A former office worker, Issei left salaried life in 2019 to drive with GrabCar. Within months he scaled from one to four vehicles, helped by GrabFinance Cash Loan with flexible terms aligned to his earnings — turning a leap of faith into stable, higher income for a young family. “Hindi ka mananalo kung hindi ka tataya,” he says, reflecting on that choice.

Marlo Gonzales — A father’s sacrifice, a daughter’s promise.

For MOVE IT rider-partner Marlo, every trip is about his family’s future. His daughter Genille earned a full scholarship through GrabScholar (Wave 3)—covering tuition, supplies, and a monthly allowance—so she can focus fully on school. “Proud po ako sa anak ko,” Marlo shares. Genille adds: “My goal is to give back everything my parents poured into me.”  

Fueling Hard Work with Opportunity and Support

- Household stability: Consistent, app-based earnings help families weather shocks—while flexible financing prevents debt spirals.  

-;Mobility through education: Scholarships ease the burden of tuition, letting students—and parents—focus on outcomes, not obstacles.  

- Pathways to assets: Sensibly structured loans convert income into productive assets (vehicles, rental units) that build resilience over time.  

Asenso Programs Shine Through the Stories of Issei, Lilybeth, and Marlo

- GrabFinance Cash Loan: Flexible, earnings-linked financing that gives driver-partners quick access to the lifelines they need to grow and manage their livelihoods.

- GrabScholar: A full-ride scholarship that covers tuition, school supplies, and a monthly allowance for the deserving dependents of Grab and MOVE IT partners — also open to the public for qualified applicants.

- Ka-Grab / Ka-MOVE IT Rewards: Incentive programs that boost take-home pay and celebrate partners who consistently deliver safe, reliable, and high-quality service.

Listen and watch the full episode on Facebook or Spotify. To learn more about the programs featured, visit Grab Asenso.

5 Commuting Hacks in the New Normal

With the holidays over, thousands of Filipinos are coming back from their hometowns or simply traveling to get to work.

If you are one of these commuters, please remember that the pandemic is not yet over, and strict health protocols are still in place. However, there are ways for you to be able to get to your destination safely. AXA Philippines, one of the country’s leading insurance providers, is here to give you some tips on just that.

Prepare for cashless payments. Many transport services have implemented cashless paying schemes as a precautionary measure against the COVID-19 virus. For example, ride-hailing apps only accept bookings if you will pay through your e-wallet or credit or debit cards. Also, trains and some buses only allow passengers to ride if they have a reloadable contactless smart card. To avoid any hassle, make sure that you have the necessary apps and cards. But if you have to pay with cash, it’s best to prepare the exact amount to lessen physical contact.

Always bring your essentials. When you take public transportation, you may be at risk and be exposed to many strangers. Remember to always protect yourself by properly wearing your face mask and face shield. It’s also best to bring a spray bottle of alcohol and a pack of sanitary wipes to not only clean your hands, but to also sanitize handrails, windows, and other surfaces in a public vehicle.

Check required travel documents. Since regions in the country are under different levels of quarantine, some places may have stricter policies and health measures than others. This means that some cities may require you to present certain documents prior to entry. These may include a travel pass issued by municipal offices or city chief of police, medical certificate, company ID, and a negative RT-PCR result. Because of this, make sure to do your research before traveling and prepare whatever is necessary.

Keep yourself entertained. If you’re going to ride the train, a bus, or a van service, expect the lines to be long. Since these modes of transportation can’t operate at full capacity, you probably have to wait in line for a long time. So, fight the boredom and frustration by keeping yourself entertained. Before you leave the house, you can download movies or a television series that you can binge-watch on your phone as you wait in line. You can also create a music playlist, listen to podcasts, install new games, or bring a pocketbook to help you pass the time.

Avoid talking and eating. When in public transportation, refrain from talking or eating as this will require you to open your mouth or take off your mask. Conversations can wait until you are indoors and no longer around strangers. Likewise, make sure that you eat before you leave the house so that you won’t get hungry while travelling.

Have an emergency contact. When you’re on the road, regardless if you are commuting or riding a private car, it’s best to have someone to reach out to in case of emergencies. To help with this, AXA Philippines has Rescue Line, a special service accessible through the Emma by AXA app that provides 24/7 free access to emergency response such as roadside assistance, police, and ambulance anytime, anywhere. With just a few taps, professional help may be requested, and your loved ones will be simultaneously notified of your emergency situation and current location. What's more, AXA has also enhanced its emergency response services with Rescue Line’s geotag feature which can help pinpoint your location faster and more accurately. You may download Emma by AXA via App Store and Google Play and register or create your account, even if you are not yet an AXA insurance policyholder.

For more information about AXA Rescue Line, visit https://axa.com.ph/rescue-line.