Troo Flex is a customizable insurance plan that gives you full control over how much and what type of protection you need from unexpected events. The basic plan includes life insurance, but you can also add riders based on the additional protection you want. Choose from different coverage levels to get a plan that fits your needs! To try creating a plan, just open the Komo app and go to the Insurance page to get started

An insurance premium is the amount you pay to be covered by the insurance plan. These payments are usually done once a year during the active years of your plan coverage. You only pay this amount once a year and are already covered for the rest of the year. Premiums are automatically deducted from your Komo account every year. No monthly payments to worry about!

The annual premium is computed based on your age and your coverage. A younger applicant with a lower coverage amount generally has a lower annual premium.

Insurance coverage is the amount of money you can get in case the events you are insured against happen. For example, if you got a Critical Illness rider as part of your insurance plan and it has a coverage worth P500,000, that means you can claim P500,000 from your insurance provider if you are diagnosed with one of the critical illnesses included in your plan.

All Troo Flex plans are valid for 1 year from the date you avail of your insurance policy. The plan is renewable every year up to your 65th birthday.

You will be insured starting the day you avail of your insurance policy and every year thereafter, as long as premiums are being paid yearly. A copy of your policy certificate can be downloaded from the Komo app. This serves as your proof of coverage.

You must be a Filipino citizen, 18-55 years old, living in the Philippines and you must have an active and approved Komo account. If you don’t have an account yet, just download the app for free on the Play Store, App Store, or App Gallery.

From your Komo app, you just have to answer a few questions about your current health condition—no medical tests required.

Komo account holders are only allowed to buy insurance plans for themselves. If you know someone who does not have a Komo account but wants to avail of a Too Flex plan, they can open a Komo account easily by applying through the Komo app.

You can avail up to P1,000,000 worth of policies. Our policy coverage options are 100k, 300k, and 500k. You can avail of as many policies as you want as long as your total policy coverage does not exceed P1,000,000