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PHILCARE

Precision Care Basic

Precision Care Basic

₱5,499.00 PHP
₱5,499.00 PHP
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Precision Care Basic
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EMERGENCY BENEFIT COVERAGE

What’s Covered?

You get ₱60,000 one-time coverage for emergency care and hospitalization due to:

  • 🏥 Viral and bacterial illnesses
  • 🏥 Injuries from accidents (excluding stroke)

Hospital Access

Access care from 600+ accredited hospitals nationwide, excluding the following premium hospitals: Makati Medical Center, St. Luke’s QC & BGC, Asian Hospital, The Medical City, Cardinal Santos, Manila Adventist, Notre Dame de Chartres, and Philippine Orthopedic Institute.

Coverage Includes

  • Room and board (Semi-Private Room)
  • Doctors’ Fees
  • Laboratory and Diagnostic Procedures
  • Special treatments (up to ₱5,000 inner limits)
  • Medicines (except vaccines) as medically necessary during ER and confinement, except for cases declared as non-coverable subject to standard inner limits
  • Diagnostic and therapeutic procedures as medically necessary during ER and confinement

Additional Benefits

✨ ₱10,000 Accidental Death & Disability Insurance

Conditions Covered

  • ✔️ Accidents and Injuries:
    • Injuries & fractures (except stroke)
    • Animal bites (first dose of vaccine only)
    • Burns and deep cuts needing suturing
    • Accidental chemical poisoning
  • ✔️ Acute Illnesses:
    • Appendicitis
    • Bronchitis
    • Gastritis
    • Gastroenteritis with dehydration
    • Pharyngitis
    • Pneumonia
    • Sinusitis
    • Tonsillopharyngitis with moderate dehydration
    • Upper Respiratory Tract Infection
    • Amoebiasis (initial episode)
    • Anaphylactic Shock
    • Cellulitis
    • Chicken Pox with complications
    • Chikungunya
    • Cholera
    • Dengue Fever
    • Diphtheria
    • Leptospirosis
    • Uncomplicated Malaria
    • Measles with high-grade fever
    • Meningitis
    • Pertussis
    • Polio
    • Systemic Viral Infections (with fever)
    • Typhoid Fever
    • Urinary Tract Infection
  • ⚠️ Emergency Cases Include:
    • Massive bleeding
    • Fractures or multiple injuries from accidents
    • Convulsions
    • Acute appendicitis
    • Severe dehydration
    • Fainting (Syncope)

🔒 Not Covered: Pre-existing conditions, injuries from misconduct, hazardous activities, military service, and other illnesses under PhilCare’s general exclusions.

HI-PRECISION BENEFITS

Medical Consultation Benefits via Hi-Precision Clinics Only

  • Consultation with General Physician and Family Medicine
  • Issuance of medical assessment and prescription
  • Endorsement for laboratory tests or procedures if necessary
  • Referrals for specialty consultation if necessary
  • Laboratory interpretation via Family Medicine and General Physician only
  • Consultations for pre-existing conditions not requiring emergency attention

Laboratory Procedure Benefits

  • Accessible only through Hi-Precision Clinics
  • Referrals or requests should come from Hi-Precision Doctors only
  • All procedures available in Hi-Precision within ₱5,000 annual inner limits
  • Laboratory test results are included

Note: Imaging procedures such as X-ray, ultrasound, ECG, 2D echo, and other similar tests are excluded.

Other Additional Benefits

  • ₱10,000 Accidental Death and Disability Coverage
AVAILMENT PROCEDURE

How to Use Emergency and Hospitalization Benefits

  • Go to the ER of any PhilCare-accredited hospital
  • Show your Certificate of Coverage and valid ID
  • The hospital will verify your eligibility with PhilCare
  • Once approved, your benefits will be applied directly
  • Once approved, coverage cannot be canceled or reactivated

Medical Consultation through Hi-Precision Clinics

  • Check nearby Hi-Precision Clinics
  • Go to the Hi-Precision Clinic
  • Present your Digital Card for verification
  • Provide the referral letter from Hi-Precision Doctors
  • Once verified, proceed with consultation

Laboratory Procedure through Hi-Precision Clinics

  • Check nearby Hi-Precision Clinics
  • Go to the Hi-Precision Clinic
  • Present your Digital Card for verification and approval
  • Once verified, proceed with the laboratory procedure
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.
  • If you do not agree with the Terms and haven't registered your product yet, you may request a refund subject to PhilCare policies.
  • You confirm all personal and health information provided is true and correct.
  • Coverage activates within 7 calendar days from successful registration.
  • Coverage begins automatically on the activation date.
  • Coverage is subject to general exclusions.
  • PhilCare values your data privacy and treats all medical information confidentially.
  • Terms and conditions apply.
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:

  1. Behavioral, developmental, psychiatric, or psychosomatic disorders.
  2. Sexually transmitted diseases such as herpes, gonorrhea, syphilis, and vulvar warts.
  3. Injuries from riots, strikes, and civil disturbances.
  4. Diseases declared epidemic or pandemic by health authorities.
  5. Cosmetic and beautification procedures unless reconstructive due to accidental injury.
  6. Weight reduction programs and obesity-related procedures.
  7. Dental procedures except those needed after accidental injury.
  8. Pregnancy-related conditions and complications.
  9. Circumcision, sterilization, artificial insemination, infertility treatment, and sex transformation.
  10. Experimental medical treatments and alternative therapies.
  11. Routine physical examinations for employment, school, licensing, or permits.
  12. Screening procedures.
  13. Self-inflicted injuries, tattoos, piercings, attempted suicide, and related complications.
  14. Injuries related to negligence, illegal drugs, alcohol, crimes, or dangerous activities.
  15. Alcoholism and drug addiction-related illnesses.
  16. Professional sports and hazardous activities.
  17. Military service and war-related injuries.
  18. Chronic dermatoses.
  19. Non-emergency services from non-affiliated providers.
  20. Additional hospital charges beyond covered limits.
  21. Custodial, domiciliary, convalescent, and intermediate care.
  22. Medical certificates.
  23. Professional fees of medico-legal officers.
  24. Organ donation and transplant donor-related expenses.
  25. Benefits already covered by PhilHealth or government healthcare programs.
  26. Charges exceeding MBL and inner limits.
  27. Durable medical equipment and oxygen outside covered confinement.
  28. Corrective appliances and prosthesis such as stents, braces, eyeglasses, hearing aids, and pacemakers.
  29. Hepatitis B, C, and D.
  30. Allergens for hypersensitivity testing.
  31. Blood screening and blood typing for donors.
  32. Executive checkups and diagnostic confinement.
  33. Assault-related injuries caused by the member.
  34. Professional fee excess charges.
  35. Take-home medicines, vitamins, supplements, and non-therapeutic drugs.
  36. Outpatient medicines except emergency treatment and IV chemotherapy.
  37. Vaccines, whether elective or emergency-administered.
  38. Error of refraction conditions such as myopia and astigmatism.
  39. Outpatient pain management except emergencies.
  40. Complications from non-covered procedures.
  41. Conditions covered by law or government programs.

General Limitations

  1. PhilCare is not liable for delays caused by disasters, epidemics, war, riots, labor disputes, or unavailable facilities/personnel.
  2. Members shoulder costs if the working diagnosis is initially non-covered until final diagnosis confirms eligibility.
  3. Hospital services are subject to hospital rules and room availability.
  4. Total covered costs cannot exceed the benefit limit during the one-year term.