Insular Life Assurance Company (InLife) has introduced a wellness scanning tool powered by facial artificial intelligence alongside a new international health coverage plan tailored for high-net-worth individuals.
The insurer’s new digital tool, dubbed InLife HealthCheck, utilizes remote Photoplethysmography (rPPG) and advanced facial AI technology originating from Israel. By capturing a 60-second video selfie, the tool measures sub-surface skin light reflection and blood flow to assess over 30 health metrics, including blood pressure and glucose indicators.
The scanner operates effectively across a wide age range—from 14 to 91 years—and accommodates diverse skin tones, eyewear, cosmetics, and facial hair.
InLife President and Chief Executive Officer Raoul Antonio Littaua highlighted the capabilities of the quick-scan feature during its unveiling.
”It scans you in less than a minute, telling you your blood pressure, sugar level, and pregnancy status,” Littaua said.
The firm clarified that while the tool fosters proactive health awareness, it remains an informational tool rather than a diagnostic medical device.
Alongside the scanner, the company introduced InLife Global Care, an insurance product offering up to ₱125 million in annual medical coverage with cash-free settlement options across global healthcare networks.
The plan spans inpatient care, outpatient services, preventive treatments, critical illness care, and up to ₱12.5 million in emergency coverage outside designated zones. Renewable up to age 99, the policy also integrates life insurance protection up to age 70.
The launch directly addresses rising medical costs in the Philippines. Philippine Statistics Authority data shows national health spending expanded by 15.1 percent to ₱1.87 trillion, with out-of-pocket expenses accounting for 41.2 percent of the total.
InLife Chief Product and Innovation Officer Jose Eduardo Ang emphasized that the global health product aims to shield personal wealth from the financial impact of severe illnesses.
Financially, InLife recorded ₱16.5 billion in total premium income as of mid-year, pushing first-half profits above ₱1 billion. Total assets stood at ₱178.3 billion, supported by a ₱41.2 billion net worth, alongside ₱6.8 billion distributed in policyholder benefits.
Littaua noted top-line premiums are currently up 37 percent, with full-year growth projected to approach 40 percent despite ongoing economic headwinds such as persistent inflation, a weaker peso, and geopolitical tensions.