BENEFIT COVERAGE
Coverable Cases
It can be used for mental and emotional wellness checks for persons experiencing the following conditions, feelings, or circumstances that do not require urgent care:
- General anxiety
- General depression
- Stress management
- Loneliness
- Feeling unmotivated
- Frustration
- Anger management issues
- Fear
- Family conflict / conflict management (marital or relationship fatigue)
- Domestic violence
- Self-esteem concerns
- Blended family concerns
- Bullying
- Dealing with HIV
- Insomnia
- Phobias
- Grief
- Relational problems
Educational / Occupational Problems
- Housing / landlord issues
- Financial concerns
- Neighbor disputes
- Lack of food or adequate drinking water
- Low income / poverty-related concerns
Social Environment Related Problems
- Phase-of-life concerns
- Living alone
- Social exclusion / rejection
AVAILMENT PROCEDURE
- Download the HeyPhil App 3.0 DigiMed application through the Play Store (Android) or App Store (iPhone).
- Click “Need Online Mental Counseling or Medical Consultation? Click Here” found at the bottom part of the app screen.
- Go to “With Reference No? Click Here” found at the upper part of the app screen.
- Fill out the Patient Profile, then click Submit.
- Select the Mind Care tab.
- You will be redirected to the Mind Care platform. Agree to the Terms and Conditions by ticking the checkbox.
- Answer the short survey and review the results.
- Click the “Make Appointment” button.
- Select your preferred date, time, and counselor.
- Log in during your scheduled appointment and proceed with your mental health counseling session.
- Download the HeyPhil App 3.0 DigiMed application through the Play Store (Android) or App Store (iPhone).
- Click “Need Online Mental Counseling or Medical Consultation? Click Here”.
- Go to “With Reference No? Click Here”.
- Fill out the Patient Profile, then click Submit.
- Enter your chief complaint or reason for seeking medical consultation.
- Attach a photo of your latest prescription or laboratory results, if available.
- Read and agree to the terms and conditions for digital consultation.
- Click “Request Consultation” to queue your request with a DigiMed doctor.
- Wait for your DigiMed doctor’s call. Calls may come from an unregistered number.
- Proceed with the teleconsultation.
- Check your registered email for the medical assessment and prescription.
- Rate and provide feedback regarding your DigiMed consultation experience.
- Log in to https://philcare.com.ph/gateway/nonmember/validate
- Enter the Reference Number provided in the Certificate of Coverage (COC).
- Choose “MindCheck” from the menu options.
- Complete the registration details and agree to the Terms and Conditions.
- Answer and submit the survey.
- Results will be emailed to the registered email address provided.
- Log in to https://philcare.com.ph/gateway/nonmember/validate
- Enter the Reference Number provided in the Certificate of Coverage (COC).
- Choose “Chat with Mindscapes” from the menu options.
- Wait for the next available Mental Health Associate to assist you.
IMPORTANT NOTES
📝 Refund Policy: You may cancel within 15 days of receiving your Certificate of Coverage if unused. Email: prepaidcs@philcare.com.ph
📩 You will receive a soft copy of the full policy contract within 24 hours from release of your Certificate of Coverage. You may also request it via: order@philcare.com.ph
💡 If you do not agree with the Terms and have not registered your product, you may request a refund subject to PhilCare’s Return, Refund & Cancellation Policy.
✅ You confirm that all personal and health information provided is true and correct. Misrepresentation may result in cancellation of membership or denial of coverage.
Coverage Activation Timelines- Emergency Plans – activates within 7 calendar days
- VidaCare – activates within 7 calendar days
- Consultation Plans – activates within 3 days
- DigiMed and MindCare – activate within 24 hours
- Dengue RX and Dengue Assist – activate within 30 days
Coverage begins automatically on the activation date. Conditions or incidents occurring before activation are not covered.
💵 Some plans may include a co-pay amount that must be settled before coverage applies.
🚫 Coverage is subject to general exclusions. Please review the full list of non-coverable conditions.
🔒 PhilCare values your data privacy. All medical information is used solely for healthcare purposes and treated confidentially.
GENERAL EXCLUSIONS AND LIMITATIONS
General Exclusions
No Healthcare Benefits shall be paid for the following services, procedures, or conditions unless otherwise specified in the Agreement:
- Behavioral, developmental, psychiatric, or psychosomatic disorders.
- Sexually transmitted diseases such as herpes, gonorrhea, syphilis, and vulvar warts.
- Injuries from riots, strikes, and civil disturbances.
- Diseases declared epidemic or pandemic by health authorities.
- Cosmetic and beautification procedures unless reconstructive due to accidental injury.
- Weight reduction programs and obesity-related procedures.
- Dental procedures except those needed after accidental injury.
- Pregnancy-related conditions and complications.
- Circumcision, sterilization, artificial insemination, infertility treatment, and sex transformation.
- Experimental medical treatments and alternative therapies.
- Routine physical examinations for employment, school, licensing, or permits.
- Screening procedures.
- Self-inflicted injuries, tattoos, piercings, attempted suicide, and related complications.
- Injuries related to negligence, illegal drugs, alcohol, crimes, or dangerous activities.
- Alcoholism and drug addiction-related illnesses.
- Professional sports and hazardous activities.
- Military service and war-related injuries.
- Chronic dermatoses.
- Non-emergency services from non-affiliated providers.
- Additional hospital charges beyond covered limits.
- Custodial, domiciliary, convalescent, and intermediate care.
- Medical certificates.
- Professional fees of medico-legal officers.
- Organ donation and transplant donor-related expenses.
- Benefits already covered by PhilHealth or government healthcare programs.
- Charges exceeding MBL and inner limits.
- Durable medical equipment and oxygen outside covered confinement.
- Corrective appliances and prosthesis such as stents, braces, eyeglasses, hearing aids, and pacemakers.
- Hepatitis B, C, and D.
- Allergens for hypersensitivity testing.
- Blood screening and blood typing for donors.
- Executive checkups and diagnostic confinement.
- Assault-related injuries caused by the member.
- Professional fee excess charges.
- Take-home medicines, vitamins, supplements, and non-therapeutic drugs.
- Outpatient medicines except emergency treatment and IV chemotherapy.
- Vaccines, whether elective or emergency-administered.
- Error of refraction conditions such as myopia and astigmatism.
- Outpatient pain management except emergencies.
- Complications from non-covered procedures.
- Conditions covered by law or government programs.
General Limitations
- PhilCare is not liable for delays caused by disasters, epidemics, war, riots, labor disputes, or unavailable facilities/personnel.
- Members shoulder costs if the working diagnosis is initially non-covered until final diagnosis confirms eligibility.
- Hospital services are subject to hospital rules and room availability.
- Total covered costs cannot exceed the benefit limit during the one-year term.