ProtekPadala FAQs

ProtekPadala is an insurance product designed to protect PalawanPay customers from cyber incidents such as fraud and identity theft.

a. Electronic Funds Transfer Fraud – occurs when you lose money or funds from your PalawanPay account due to fraudulent transfer of funds to another account.
b. Online Shopping Fraud – a transaction done in an online marketplace where you have been misled into making an online purchase using your PalawanPay account, but the seller never sends you the goods that you paid for.
c. Identity Theft – occurs when someone steals your personal information and credentials and uses them to commit fraud in obtaining money, goods, services, or benefits

To be eligible for ProtekPadala, you must be:
- a Basic or Upgraded PalawanPay app user
- at least 18years old

For minors, the beneficiary will be the registered guardian at the point of Palawan Pay account set up.

1. Send Money using your PalawanPay wallet
2. Proceed with ProtekPadala and agree to the product’s terms and conditions
3. Confirm your Send Money and ProtekPadala transaction

For only Php 18, your account and Send Money transactions will be covered in the next thirty (30) days.

Yes. All Send Money transactions such as Wallet-to-Wallet, transfer to Palawan Express Pera Padala branch, eWallet or online bank, and Send Gifts are covered.

Yes. The insurance product will not cover losses resulting from events such as abnormal conditions, state of emergency, mass cyber-attack, bodily injury, business activities, confidence scams, dishonest acts, terrorism, etc. For the complete list of exclusions, please refer to the Product’s Terms and Conditions.

For each enrollment to ProtekPadala, you are covered up to Php 10,000. Enjoy coverage up to Php 100,000 as you enroll for more transactions.

Oona Insular Insurance Corporation (Oona Insurance Philippines) is wholly-owned by Oona Philippines Holdings Corporation (OPHCH, is the insurance provider for the ProtekPadala insurance for PalawanPay accounts. Oona offers a wide range of products including motor, property, personal accident and health insurance. It is licensed by the Insurance Commission of the Philippines with Certificate of Authority No. 2022/03-R-A.

To file a claim, please visit https://partner.myoona.ph/palawanpay/make-a-claim/. Prepare the necessary claims documents and provide basic personal information and details of the incident. Submit the claim and Oona will reach out to you for the status or decision on your claim.