Health & Life Insurance
Built for
Your Budget.
Trusted by nurses, doctors, and healthcare professionals across Cebu to find health insurance, life insurance, and investment plans that fit their income. Free 15-minute consultation — no pressure, no spam.
12+
Certified Advisors
₱175M
Max AXA Coverage
4.7★
Google Rating
15 min
Free Budget Match
About Crux Consultants Ph
Crux Consultants Ph is an authorized AXA Philippines financial advisory firm headquartered at Castle Peak Hotel, F. Cabahug St., Cebu City 6000. The firm operates under the Tan Dynasty Constellation Group of AXA Philippines and is led by Therese Angelica “Trixie” Lopez-Tolentino, an MDRT-qualified, Insurance Commission-licensed financial advisor with over five years serving Cebu and Visayas clients.
The team of 12 IC-licensed advisors specializes in health insurance, life insurance, Variable Unit-Linked (VUL) investment plans, and HMO consulting — serving nurses, doctors, BPO professionals, freelancers, and families across Cebu City, Mandaue, Lapu-Lapu, and the broader Visayas region. Flagship product: AXA Global Health Access (GHA) — up to ₱175 million in worldwide coverage with cashless admission at Chong Hua Hospital, UC Med, and Cebu Doctors University Hospital. All policies are issued by AXA Philippines, regulated by the Insurance Commission under Republic Act 10607.
The Cost of Inaction
Without Coverage,
One Emergency
Can Erase Years of Savings.
Real data from Cebu hospitals. What one unplanned admission actually costs without insurance.
Dengue Admission
₱50K–₱120K
5–7 days
Chong Hua / Cebu Doc
Stroke Treatment
₱200K–₱500K
2–4 weeks
UC Med / St. Vincent
Cancer Chemo (1 cycle)
₱50K–₱200K
Per treatment
Any private hospital
ICU (per day)
₱15K–₱40K
Daily rate
All Cebu hospitals
We have AXA plans with cashless admission at Chong Hua, UC Med & Cebu Doc.
You aren't buying a policy. You are preventing a ₱500,000 medical debt.
Check My Cashless Coverage OptionsNo pressure. No spam. Just a 15-minute alignment check.
Who We Serve
We Speak Your Language.
We Understand Your Budget.
Filipinos switch between English, Tagalog, and Bisaya naturally. So do we.
The Freelancer Hustler
Mark, 26 · UI/UX Designer · IT Park, Cebu"If I get hospitalized, my savings go back to zero."
The Family Protector
Grace, 34 · BPO Team Leader · Mandaue City"I can't be a burden to my children if something happens."
The Career Shifter
Jean, 23 · Nursing Graduate · Cebu City"I want high income that matches my actual effort."
The Budget Matcher
Instead of a Fixed Price,
We Map to Your Cash Flow.
Pick your life stage. We have an AXA plan tailored exactly for your situation.
Just Starting Out
Freelancer · Fresh Grad · Side Hustler
Health coverage from as low as your morning coffee budget. Critical illness rider included. We structure it around irregular income — no fixed monthly pressure.
One dengue admission at Chong Hua = ₱50K–₱120K. One AXA plan covers it fully — cashless.
No pressure · No spam · No fixed price
AXA Products
Protection Plans
for Every Life Stage.
No fixed price tags. Each plan is customized to your current cash flow and objectives.
"You aren't buying a policy. You are preventing a ₱500,000 medical debt."
Find My Perfect PlanHow Budget Match Works
Your AXA Plan in 3 Simple Steps.
Tell Us Your Life Stage
Answer 3 quick questions — income range, age, family size. Takes 2 minutes.
We Design Your Plan
A certified Cebuano advisor builds an AXA structure matched to your cash flow.
Get Your Custom Structure
Receive your personalized AXA plan. No fixed price, no hidden charges, no pressure.
The Team
Real Cebuanos. Real Advisors.
From nurses to broadcasters, from housewives to entrepreneurs. People who chose financial empowerment — and now help others do the same.
Trixie Lopez-Tolentino
Team LeaderAXA PhilippinesCastle Peak Hotel, F. Cabahug St., Cebu City · Mother of 5
"We don't believe in generic price tags because your life isn't generic. A 15-minute conversation is all it takes — and we'll tell you honestly if AXA is the right fit for you."
Trixie Lopez-Tolentino
Team Leader
Julie Beth
Team Admin
Jean Quebral
Gen Z Entrepreneur
Kenneth Sorita
Pharma Background
Tulip Anne
Nurse
Lovely Banzon
Artist
Maryann Uy
Broadcaster
Maricris Ramirez
Housewife
Cristy Logarta
Entrepreneur
Yukari Otsuki
Model
Locelle Gabunada
Media
Xelalanne Nalcot
Nurse
Trixie Lopez-Tolentino
Team Leader
Julie Beth
Team Admin
Jean Quebral
Gen Z Entrepreneur
Kenneth Sorita
Pharma Background
Tulip Anne
Nurse
Lovely Banzon
Artist
Maryann Uy
Broadcaster
Maricris Ramirez
Housewife
Cristy Logarta
Entrepreneur
Yukari Otsuki
Model
Locelle Gabunada
Media
Xelalanne Nalcot
Nurse
"We don't believe in generic price tags because your life isn't generic. Our promise is a 15-minute budget-match. If our AXA solutions don't fit your cash flow, we will tell you honestly."
Therese Angelica "Trixie" Lopez-Tolentino
Team Leader · Crux Consultants Ph · AXA Philippines
Client Satisfaction
How Cebuanos Rate Crux
Aggregate ratings across review platforms
4.7/5
38 reviews
4.5/5
24 reviews
Trustindex
4.2/5
16 reviews
"Trixie's team found me a plan that fits my irregular freelance income. No pressure, just honest advice. I now have full cashless coverage at Chong Hua."
Maria S.
IT Park, Cebu
"As a BPO breadwinner, I needed something for my whole family. They structured it so every peso counts. The 15-minute consultation changed how I think about insurance."
Rey M.
Mandaue City
AXA Earthquake Advisory
Dedicated AXA email and hotlines are available for earthquake-affected customers in Mindanao, Sarangani, and General Santos City. AXA remains accessible and ready to assist you.
Why Coverage Matters Here
Cebu Faces Unique Climate Risks.
AXA Covers All of Them.
Typhoon Season
June–November in the Visayas. Comprehensive coverage protects your home, business & health.
Earthquake Risk
Philippines sits on the Pacific Ring of Fire. AXA commercial and property policies cover seismic events.
Flash Floods
Cebu and Visayas face annual flooding. Ensure your family and business have financial coverage.
Climate Health Risks
Heat waves and rainy seasons increase dengue, leptospirosis and respiratory cases. Health coverage is critical.
Ready to Start?
Dili bug-at sa bulsa.
Angay ra sa imong kita karon.
Para sa mga taga-Cebu — kabalo ta unsa kaimportante ang naay saligan kung naay emergency. Maghimo tag AXA plan nga angay ra sa imong kita karon pa lang.
Start Your 3-Step Budget Match
One question at a time. Takes 2 minutes.
Book My Free ConsultationNo pressure. No spam. Just a 15-minute alignment check to see if we match your current budget.
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