BENEFIT COVERAGE
What’s Covered
-
✔ Unlimited online consultations with licensed doctors
✔ Medical assessment and digital prescription
✔ Lab test endorsements if needed
✔ Specialist referral if needed
✔ Lab result interpretation
✔ Covers non-emergency pre-existing conditions
Covered Specializations
- Family Medicine
- Internal Medicine
- General Physician
Not Covered
- 🚫 Emergency-related cases (e.g. heart attack, stroke, trauma injuries, severe pain, breathing issues, burns, animal bites)
- Maternity-related cases (e.g. labor, bleeding, fetal concerns)
- Dental consultations
- Mental health and psychiatric conditions
- Developmental or behavioral disorders
- Skin conditions (dermatology)
- Severe or complex illnesses needing a specialist
- “Fit-to-work” or medical clearance certificates
AVAILMENT 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. You may also request it via order@philcare.com.ph.
💡 If you do not agree with the Terms and haven't registered your product yet, you may request a refund, subject to PhilCare’s Return, Refund & Cancellation Policy.
✅ You confirm all personal and health information provided is true and correct. Misrepresentation may lead to cancellation of membership or non-coverage.
🕒 For PhilCare Agapay and Rush plans: approval takes up to 7 calendar days from registration. Coverage begins on activation. Conditions before activation are not covered.
💵 Some plans may include a co-pay amount that must be settled before coverage kicks in.
🚫 Coverage is subject to general exclusions. View the full list of non-coverable conditions at the provided link.
🔒 PhilCare values your data privacy. All medical information is used solely for healthcare purposes and treated confidentially.