Dear Valued Client:

Greetings in Good Health!

We thank you for your interest in PhilCare.

In our thrust to provide the most beneficial healthcare package, we are pleased to share our existing
Individual and Family Plans.

Our comprehensive health program ensures services and access to our affiliated physicians, clinics, and/or
hospitals nationwide. We are providing the following Annexes for your reference:

Annex A: PhilCare’s Profile and Value Proposition

Annex B: Table of Rates
Annex C: Comparative Table of Benefits
Annex D: PhilCare’s Standard Exclusions and Limitations

Please note that the member’s coverage will be assessed based on the submitted application form and
shall be subject to PhilCare’s approval guidelines.

Once again, thank you and we look forward to servicing you.

Sincerely yours,
PHILHEALTHCARE, INC.

MIKE ETCHON
Manager, Emerging Channels and Partnerships

Noted:

MA. ABIGAIL GARCIA - LISING

Senior Asst. Vice President
Emerging Channels and Partnerships

*Inclusion: Rates Matrix

 ANNEX A
COMPANY’S BACKGROUND AND PREMIUM QUALITY CARE GUARANTEES

CORPORATE PROFILE

WHO IS PHILCARE?

For 40 years, since 1982, PhilCare has been driven by its vision to see every Filipino enjoy a better quality of life by
making world-class and innovative healthcare solutions accessible.

As a revolutionary leader in the HMO industry that continuously improves technology-enabled customer experience
by creating dynamic healthcare plans, we have contributed milestones that include the launch of the first prepaid
health cards in the market, the HeyPhil app, and the PhilCare Wellness Index research study on the state of health
and wellbeing of Filipinos.

PhilCare is also part of the Maestro Holdings Inc., a part of the Tanco Group of companies. Formerly known as STI
Investments, Inc., Maestro operates as the umbrella company that encompasses PhilCare, PhilLife, PhilPlans, and its
sister company, PhilsFirst, to bring with them the glorious history of unsurpassed financial services to Filipinos.

SUSTAINABLE HEALTHCARE

Attuned to the changing needs of the times, PhilCare’s extensive suite of Corporate plans covers hospitalization,
out-patient, and emergency healthcare needs across a nationwide network of hospitals, clinics, and physicians.
PhilCare also offers comprehensive Individual Plan packages fit for individuals and Families which provides outright
healthcare coverage. To cover the distinct health needs of Filipinos, PhilCare has also made a pioneering effort in
2010 to create Prepaid Health plans which, as of today, has branched out to a variety of possible healthcare services.

LEVERAGING TECHNOLOGY

Innovation is a key pillar at PhilCare and through technology, we are able to create one-of-a-kind and timely products
and services that help make healthcare management easier for consumers.

• PhilCare SNAP is PhilCare’s Near Field Communication-enabled membership card. Designed to make hospital
transactions faster, more efficient, and more paperless. With just one tap, a member’s profile can be
instantly accessed including all information they need to avail of medical services.

• HEY PHIL is a mobile app developed by PhilCare to provide more convenient and accessible healthcare
services to PhilCare members by using the latest artificial intelligence technology that helps members find
doctors or hospitals, create LOA, queue automatically, and do digital consultation.

• PCare EASy (PhilCare Electronic Approval System) is one of the channels for LOA issuance via the member
gateway that can be accessed through the PhilCare website.
 • HR Portal, the company’s authorized personnel, usually the HR, can enroll members and cancel
membership via internet. Certificate of coverage is automatically issued on the day member is enrolled,
ensuring that member can access benefits right away.

• Member Gateway, where members are given the ultimate PhilCare technology-enabled customer
experience by allowing them to access for their reference some of the benefits and features of their plan,
inquire about affiliated providers, review their personal medical utilization, check APE results, and
conveniently file reimbursements.

• Push Availment Email Notifications where email messages updating the company’s authorized recipient
regarding the captured latest in-patient and emergency availments and on-going in patient availments of all
their members can be received daily. This is the first step in utilization management: awareness of who
availed and which facility was used. Furthermore, HR/Admin staff can be prompted to prepare Philhealth
documents for release to the employee.

• Push Availment Text Advisories, similar to Push Email, this feature basically has the same goals, but with a
more urgent channel of communication. SMS alerts can easily be received daily by company’s authorized
recipients who are not only instantly made aware of an emergency availment, and therefore can initiate a
plan to assist hospitalized member (financially, Philhealth requirements, etc.), but can devise ways to
manage utilization, when necessary.

OPTIMIZING CONVENIENCE

At PhilCare, customers’ utmost convenience is among our top priorities. This is why we continuously find ways
to transform existing services and develop new ones that make access to healthcare as easy.

PhilCare’s Home Care Umbrella includes an array of services such as the MedHub Mobile, a mobile clinic
on wheels for corporate members and non-member groups to access medical services at the convenience
of their offices or homes within Metro Manila. Home Care Medical Services of various packages of services
including Diabetic Packages, Hypertension Packages, and COVID-related services such as RT-PCR testing,
Rapid Antigen (Nasal Swab) testing and the COVID Panel right at their doorsteps.

Lastly, COVID Home Care Telemonitoring offers PhilCare members who are confirmed COVID positive but
are showing mild or moderate symptoms to be carefully monitored at home. This allows for timely
monitoring of symptoms while reducing hospital visits to minimize risk of transmission.

DigiMed allows members to consult with doctors through audio or video calls for smarter, more convenient
and safer healthcare services.

CHAMPIONING HOLISTIC WELLNESS

PhilCare believes that being healthy is a state of holistic wellness that gives people the ability to become productive
and bring out their fullest potential. With this in mind, we have come up with solutions that are responsive to
Filipinos’ in relevance to the changing times.

Mindscapes is PhilCare’s program that addresses well-rounded mental healthcare through the use of
modern digital tools to empower each individual / employee. It offers testing/assessment, consultations &
counselling, and learning & training programs for companies and individuals.
 The Wellness Index is PhilCare’s industry-pioneering research study on Filipinos’ perception of the state of
their health and well-being. The three studies conducted since 2014 have led to the development of new
products and services that are even more responsive to the health needs and financial capabilities of local
consumers.

MAXIMIZING HEALTHCARE

PhilCare 360 promotes the well-being of our members through initiatives to maintain healthy lifestyles and manage
chronic illness.

• ActivNation is a program that involves holistic wellness events which helps people reaches total wellness –
a sound mind, an active and fit body and positive disposition.

• Wellness Buddies is a merchant partnership program which offers PhilCare members with exclusive
discounts and preferred rates for specialized and related wellness services.

NETWORK OF PROVIDERS

2 PhilCare MedHubs | More than 1,600 affiliated hospitals and clinics | More than 49,000 affiliated physicians |
More than 1,500 corporate clients | More than 400,000 members
 ANNEX B: TABLE OF RATES

ANNUAL MODE
 HEALTH360  HEALTHPRO  HEALTH LUXE
OF PAYMENT
ANNUAL BENEFIT LIMIT MAXIMUM BENEFIT LIMIT MAXIMUM BENEFIT LIMIT
Type of Limit
(ABL) (MBL) (MBL)
Limit Value 100k 150k 300k 500k 150k 300k 150k 300k
Semi-
Room & Board Ward Private Private Private Semi-Private Private Semi- Regular
900 1,000 1,400 1,400 Open Open Private Private Open
Age Band MEMBERSHIP FEES/PREMIUMS
15 days – 5 years old 16,150 18,116 31,455 33,902 28,577 49,420 33,544 58,206
6 – 10 11,329 13,849 21,700 24,147 22,260 34,675 26,074 40,762
11 – 17 19,410 34,104
8,002 10,030 17,976 20,423 16,627 29,047
18 – 30 20,070 34,765
31 – 35 10,276 11,995 21,997 24,438 19,527 35,118 23,498 41,944
36 – 40 11,021 12,746 26,841 29,288 20,630 42,442 24,802 50,613
41 – 45 13,283 19,085 35,834 38,276 30,005 56,039 35,896 66,696
46 – 50 16,531 24,058 42,913 45,354 37,358 66,735 44,593 79,352
51 – 55 22,691 29,434 49,633 52,074 45,304 76,894 53,995 91,370
56 – 60 31,847 42,308 57,943 60,385 64,333 89,460 76,507 106,238
NOTES:
1) Additional Php 4,032.00 (VAT Inclusive) for Non-Philhealth Members. (must be declared upon enrollment)
2) PhilCare Standard Provisions shall apply
 SEMI-ANNUAL
MODE OF  HEALTH360  HEALTHPRO  HEALTH LUXE
PAYMENT
ANNUAL BENEFIT LIMIT MAXIMUM BENEFIT LIMIT MAXIMUM BENEFIT LIMIT
Type of Limit
(ABL) (MBL) (MBL)
Limit Value 100k 150k 300k 500k 150k 300k 150k 300k
Semi-
Room & Board Ward Private Private Private Semi-Private Private Semi- Regular
900 1,000 1,400 1,400 Open Open Private Private Open
Age Band MEMBERSHIP FEES/PREMIUMS
15 days – 5 years old 8,640 9,692 16,829 18,138 15,289 26,440 17,946 31,140
6 – 10 6,061 7,409 11,610 12,919 11,909 18,551 13,949 21,808
11 – 17 10,384 18,246
4,281 5,366 9,617 10,926 8,896 15,540
18 – 30 10,738 18,599

31 – 35 5,498 6,417 11,768 13,075 10,447 18,788 12,571 22,440

36 – 40 5,896 6,819 14,360 15,669 11,037 22,707 13,269 27,078

41 – 45 7,107 10,210 19,171 20,478 16,053 29,981 19,204 35,682
46 – 50 8,844 12,871 22,958 24,265 19,986 35,703 23,857 42,453
51 – 55 12,140 15,747 26,554 27,860 24,238 41,138 28,887 48,883
56 – 60 17,038 22,635 31,000 32,306 34,418 47,861 40,931 56,837
NOTES:
1) Additional Php 4,032.00 (VAT Inclusive) for Non-Philhealth Members. (must be declared upon enrollment)
2) PhilCare Standard Provisions shall apply
 QUARTERLY
MODE OF  HEALTH360  HEALTHPRO  HEALTH LUXE
PAYMENT
ANNUAL BENEFIT LIMIT MAXIMUM BENEFIT LIMIT MAXIMUM BENEFIT LIMIT
Type of Limit
(ABL) (MBL) (MBL)
Limit Value 100k 150k 300k 500k 150k 300k 150k 300k
Semi-
Room & Board Ward Private Private Private Semi-Private Private Semi- Regular
900 1,000 1,400 1,400 Open Open Private Private Open
Age Band MEMBERSHIP FEES/PREMIUMS
15 days – 5 years old 4,441 4,982 8,650 9,323 7,859 13,591 9,225 16,007

6 – 10 3,115 3,808 5,968 6,640 6,122 9,536 7,170 11,210

11 – 17 5,338 9,379

18 – 30 2,201 2,758 4,943 5,616 4,573 7,988 5,519 9,560

31 – 35 2,826 3,299 6,049 6,721 5,370 9,657 6,462 11,535

36 – 40 3,031 3,505 7,381 8,054 5,673 11,672 6,821 13,919

41 – 45 3,653 5,248 9,854 10,526 8,251 15,411 9,871 18,919

46 – 50 4,546 6,616 11,801 12,472 10,273 18,352 12,263 21,822

51 – 55 6,240 8,094 13,649 14,320 12,459 21,146 14,849 25,127

56 – 60 8,758 11,635 15,934 16,606 17,692 24,602 21,039 29,215

NOTES:
1) Additional Php 4,032.00 (VAT Inclusive) for Non-Philhealth Members. (must be declared upon enrollment)
2) PhilCare Standard Provisions shall apply

Optional Rider: Dental Benefits (Please refer to Annex C for the benefit list)
Dental Fees
Payment Mode Package 1 Package 2 Package 3
 Annual Php 270 Php 495 Php 585
 Semi-Annual Php 135 Php 245 Php 295
 Quarterly Php 70 Php 125 Php 150
 ANNEX C: SUMMARY OF BENEFITS

SERVICES/BENEFITS HEALTH 360 HEALTH PRO HEALTH LUXE

Health LUXE:
Health Pro: generous
comprehensive health
health plan with a
plan that promotes
Health360 comprehensive benefit
overall wellness and
comprehensive health package including higher
healthy lifestyle. It gives
1 Product description plan made accessible benefit limits and more
you direct access to
and affordable, as it services. It is enriched
health care, travel assist,
should be. with PhilCare Travel
concierge, and lifestyle
Assist, powered by Assist
services all rolled into
America
one.
Total Annual Benefit
Maximum Benefit Limit Maximum Benefit Limit
Limit for all illnesses
2 Benefit Limit per illness (MBL) per per illness (MBL) per
(ABL) per year per illness
contract year contract year
(MBL) per contract
Clinic based access Preferred based access Direct access
Primary access: PhilCare
Out-Patient /Clinic owned clinics
3 Direct access to more Direct access to more
Access than 600 PhilCare than 600 PhilCare
Access to more than 600
affiliated clinics affiliated clinics
affiliated clinics by
referral
More than 500 hospitals More than 500 hospitals More than 500 hospitals
4 Hospital Access
nationwide nationwide nationwide
With Access to St. Luke
Quezon City, Makati With Access to Asian With Access to Asian
Medical Center, Cardinal Hospital Medical Center, Hospital Medical Center,
Santos Medical Center, St. Luke Quezon City, St. St. Luke Quezon City, St.
and The Medical City Luke Global City, Makati Luke Global City, Makati
(Without Access to St. Medical Center, Cardinal Medical Center, Cardinal
Luke’s Global City and Santos Medical Center, Santos Medical Center,
Asian Hospital Medical and The Medical City and The Medical City
Center)
ANNUAL PHYSICAL EXAMINATION
Taking of Medical
1 Covered Covered Covered
History
2 Physical Examination Covered Covered Covered
3 Chest X-Ray Covered Covered Covered
4 Routine Urinalysis Covered Covered Covered
5 Routine Fecalysis Covered Covered Covered
Complete Blood Count
6 Covered Covered Covered
(CBC)
Electrocardiogram (ECG)
for members 35 years
7 Covered Covered Covered
old and above or if
indicated
Pap Smear for female
members 35 years old
8 Covered Covered Covered
and above or if
indicated
PREVENTIVE HEALTH CARE
 Health Education
1 Counseling on diet or Covered Covered Covered
exercise
Periodic Monitoring of
2 Covered Covered Covered
Health Problems
Family Planning
3 Covered Covered Covered
Counseling
OUT-PATIENT CARE
Consultations during
regular clinic hours,
1 Covered Covered Covered
except prescribed
medicines
Covered excluding Covered excluding Covered excluding
Pre and Post Natal
2 laboratory & diagnostic laboratory & diagnostic laboratory & diagnostic
consultations
procedures procedures procedures
Eye, ear, nose and
throat (EENT) treatment
3 prescribed by an Covered Covered Covered
affiliated
physician/specialist
Treatment for minor
Covered excluding
injuries such as
4 laboratory & diagnostic Covered Covered
lacerations, mild burns,
procedures
sprains and the like
Dressings, conventional
5 casts (plaster of Paris) Covered Covered Covered
and sutures.
X-Ray, laboratory
examinations, routine,
diagnostic and
therapeutic procedures
prescribed by an
affiliated
6 physician/specialist, Covered Covered Covered
provided however that
the cost of diagnostic
and therapeutic
procedures covered
shall be limited to a
specific amount.
Minor surgery not
requiring confinement
7 prescribed by an Covered Covered Covered
affiliated physician /
specialist
Cauterization of Warts
prescribed by an If Medically necessary & If Medically necessary &
Affiliated For therapeutic purposes For therapeutic purposes
8 Covered
Physician/Specialist (e.g. plantar warts, etc.) (e.g. plantar warts, etc.)
except genital warts and covered up to MBL covered up to MBL
condyloma acuminatum
Covered up to Covered up to
Php10,000/member/year Php10,000/member/year
9 Speech Therapy Not Covered
(ON REIMBURSEMENT (ON REIMBURSEMENT
ONLY) ONLY)
 Covered subject to MBL Covered subject to MBL
Covered subject to ABL
Initial treatment of except cost of vaccines except cost of vaccines
10 except cost of vaccines
animal bites which is subject to a which is subject to a
which is
separate limit/coverage separate limit/coverage
Passive and active
vaccines for treatment
covered up to P20,000 covered up to P20,000
11 of tetanus and animal Not Covered
per member per year per member per year
bites (including
immunoglobulin)
IN-PATIENT SERVICES

Room category Ward P 900 Semi- Private Open Semi- Private Open

Benefit Limit (Php) 100K 150K 150K

Room and Board
according to the
Member’s Room and
If Medically necessary &
Board Accommodation
For therapeutic
1 and subject to the Covered Covered
purposes (e.g. plantar
maximum rate of Daily
warts, etc.) covered
Room and Board, if any,
of the plan under which
the Member is enrolled.
Use of operating room,
Intensive Care Unit
(ICU), isolation room (if
2 up to ABL Covered subject to MBL Covered subject to MBL
prescribed by attending
Affiliated Physician) and
recovery room.
Professional fees in
accordance with
3 Covered Covered subject to MBL Covered subject to MBL
PhilCare Schedule of
Rates.
a. Attending
Physicians
b. Surgeons
c. Anesthesiologists
d. Cardio-pulmonary
clearance before
surgery and cardiac
monitoring during
surgery.
Standard Nursing
4 Covered Covered Covered
Services
Medicines for in-patient
5 Covered subject to MBL Covered subject to MBL Covered subject to MBL
use
Blood products
transfusions and Covered subject to ABL;
Covered subject to MBL Covered subject to MBL
intravenous fluids, blood screening of
6 including the cost of including the cost of
including blood donor's blood not
blood screening blood screening
screening and cross included
matching.
X-Ray, laboratory
examinations,
7 Covered subject to ABL Covered subject to MBL Covered subject to MBL
diagnostic tests and
therapeutic procedures
 incidental to
confinement
Dressings, conventional
8 casts (plaster of Paris) Covered subject to ABL Covered subject to MBL Covered subject to MBL
and sutures
Anesthesia and its
9 Covered subject to ABL Covered subject to MBL Covered subject to MBL
administration
Oxygen and its
10 Covered subject to ABL Covered subject to MBL Covered subject to MBL
administration
11 Standard Admission kit Covered subject to ABL Covered Covered
All other items directly
related in the medical
management of the
12 patient, as deemed Covered subject to ABL Covered subject to MBL Covered subject to MBL
medically necessary by
the attending Affiliated
Physician
Assistance in
administrative
13 Covered subject to ABL Covered Covered
requirements through a
Liaison Officer
SPECIAL MODALITIES OF TREATMENT
Php35,000 or subject to
Laparoscopic ABL; whichever is lower; Subject to MBL, once per Subject to MBL, once per
1
Cholecystectomy limited to once per contract year contract year
contract year
Php35,000 or subject to
ABL; whichever is lower; Subject to MBL, once per Subject to MBL, once per
2 Lithotripsy
limited to once per contract year contract year
contract year
Magnetic Resonance
3 Php5,000 Subject to MBL Subject to MBL
Imaging (MRI)
Use of
4 Nuclear/Radioactive Php5,000 Subject to MBL Subject to MBL
Isotopes
Hysterescopic Myoma
5 Php20,000 Subject to MBL Subject to MBL
Resection
Laparoscopic
Php75,000 or subject to
6 Adrenalectomy Subject to MBL Subject to MBL
ABL; whichever is lower
(Unilateral)
Laparoscopic
Php85,000 or subject to
7 Adrenalectomy Subject to MBL Subject to MBL
ABL; whichever is lower
(Bilateral)
Php35,000 or subject to
Transurethral
ABL; whichever is lower; Subject to MBL; once per Subject to MBL; once per
8 Microwave Therapy of
limited to once per contract year contract year
Prostate
contract year
Hysteroscopic Guided Php10,000 or subject to
9 Subject to MBL Subject to MBL
D&C/Biopsy ABL; whichever is lower
Php40,000 or subject to
Percutaneous Ultrasonic ABL; whichever is lower; Subject to MBL, once per Subject to MBL, once per
10
Nephrolithotomy limited to once per contract year contract year
contract
Php35,000 or subject to
ABL; whichever is lower; Subject to MBL; once per Subject to MBL; once per
11 Ureterolithotripsy
limited to once per contract year contract year
contract year
 Stereotactic Brain Php120,000 or subject to
12 Subject to MBL Subject to MBL
Biopsy ABL; whichever is lower
Php1,000/area; limited
Subject to MBL; once per Subject to MBL; once per
13 Cryosurgery to once per contract
contract year contract year
year
Sleep
Php5,000; with or
14 Study/Polysomnograms Subject to MBL Subject to MBL
without CPAP
(Sleep Recording)
Continuous Positive Covered subject to Php
Covered subject to Php Covered subject to Php
15 Airway Pressure (CPAP) 5,000; with separate
5,000 5,000
titration for sleep study limit for sleep study
16 Neuroscan Php5,000 Subject to MBL Subject to MBL
All Special Modalities of
treatment and/or
diagnostic procedures
Covered up to Php
for which there are no Covered up to Php 5,000/ Covered up to Php 5,000/
18 5,000/ procedure
comparable procedure /member /year procedure /member /year
/member /year
conventional or
traditional equivalent or
counterparts
Sclerotherapy for
varicose veins as
prescribed by an Up to Php
Up to Php 5,000 / leg / Up to Php 5,000 / leg /
19 Affiliated Physician, to 5,000/member/year;
member /year member /year
be availed through aggregate limit.
Affiliated vascular
surgeons.
EMERGENCY CARE
1 In Affiliated Hospitals
a. Doctor’s services Covered subject to ABL Covered subject to MBL Covered subject to MBL
b. Emergency Room
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Fees
c. Medicines used for
immediate relief Covered subject to ABL Covered subject to MBL Covered subject to MBL
during treatment
d. Oxygen, Intravenous
fluids and blood Covered subject to ABL Covered subject to MBL Covered subject to MBL
products.
e. Dressings,
conventional casts
Covered subject to ABL Covered subject to MBL Covered subject to MBL
(plaster of Paris) and
sutures.
f. X-Rays, laboratory and
diagnostic
examinations, and other
medical services related Covered subject to ABL Covered subject to MBL Covered subject to MBL
to the emergency
treatment of the
patient.
Room upgrade will be Room upgrade will be Room upgrade will be
subject to rules on room subject to rules on room subject to rules on room
g. Room Upgrade in
upgrading (with upgrading (with additional upgrading (with additional
case of room
additional charge - charge -Waived for the charge -Waived for the
unavailability
Waived for the first 24 first 24 hours except Suite first 24 hours except Suite
hours except Suite room. room. room.
 100% of hospital bills & 80% of hospital bills & 80% of hospital bills &
professional fees based professional fees based professional fees based
In Non-Affiliated on PhilCare rates up to on PhilCare rates up to on PhilCare rates up to
2
Hospitals Php 15,000 /case Php 30,000 /case Php 30,000 /case
/member /year /member /year /member /year
(Reimbursement Basis) (Reimbursement Basis) (Reimbursement Basis)
100% of hospital bills & 80% of hospital bills & 80% of hospital bills &
professional fees based professional fees based professional fees based
on PhilCare rates up to on PhilCare rates up to on PhilCare rates up to
3 Outside the Philippines
Php 15,000 /case Php 30,000 /case Php 30,000 /case
/member /year /member /year /member /year
(Reimbursement Basis) (Reimbursement Basis) (Reimbursement Basis)
Covered subject to Covered subject to Covered subject to
Areas w/o Affiliated PhilCare rates up to MBL PhilCare rates up to MBL PhilCare rates up to MBL
4
Hospital (using the 50-km radius (using the 50-km radius (using the 50-km radius
rule) rule) rule)
Ambulance Service
Covered provided that Covered provided that Covered provided that
(Affiliated/Non-
5 case is fully coordinated case is fully coordinated case is fully coordinated
Affiliated to Affiliated) if
with PhilCare with PhilCare with PhilCare
within Metro Manila
Ambulance Service
Covered up to 2,000 per Covered up to 2,000 per Covered up to 2,000 per
(Affiliated/Non-
6 conduction conduction conduction
Affiliated to Affiliated) if
(reimbursement) (reimbursement) (reimbursement)
in Provincial areas
PRE-EXISTING CONDITION
All PEC: All PEC:
Semi Private Plan: 5,000 Semi Private Plan: 10,000
1st year (shared limit) (shared limit)
Private Plan: 10,000 Private Plan: 20,000
Pre- (shared limit) (shared limit)
Existing Non-Dreaded Condition: Non-Dreaded Condition:
All PEC: Not Covered
Condition ABL ABL
(PEC) Dreaded Condition: Dreaded Condition:
2nd year onwards Semi Private Plan: 5,000 Semi Private Plan: 10,000
(shared limit) (shared limit)
Private Plan: 10,000 Private Plan: 20,000
(shared limit) (shared limit)
OTHER BENEFITS/SPECIAL SERVICES
Work Related
Conditions based on
1 Covered subject to ABL Covered Covered
conditions covered by
ECC
Motor Vehicular
2 Not Covered Covered subject to MBL Covered subject to MBL
Accidents
Congenital diseases,
except physical therapy
3 sessions and Not Covered Not Covered Not Covered
developmental
disorders,
Congenital Hernia Not Covered Not Covered Not Covered
Scoliosis (acquired cases
only) including Covered up to Php Covered up to Php
4 necessary procedures, Not Covered 40,000/member/year 40,000/member/year
except physical therapy (only acquired cases) (only acquired cases)
sessions
Epilepsy, Seizure
5 Covered if acquired Covered if acquired Covered if acquired
Disorder
 Covered if acquired &
Hepatitis B (if acquired, Covered if acquired & not Covered if acquired & not
not related to STD.
6 excluding STD) & related to STD. Screening related to STD. Screening
Screening test is not
Hepatitis C test is not Covered test is not Covered
Covered
covered; except extreme covered; except extreme
7 Sports-related injuries covered; except extreme
sports sports
Unprovoked Assault,
including domestic
8 violence, whether Covered Covered Covered
initiated by a known or
unknown third party
9 Maternity Assistance Not covered Not covered Not covered
Mental Health
10 Assestment 1 year access 1 month access 1 month access
(MindCheck)
Mental Health
11 2 sessions 1 session 1 session
Counselling
DIAGNOSTIC PROCEDURES
1 Coronary Angiography Covered subject to ABL Covered subject to MBL Covered subject to MBL
covered up to
2 24 hour EEG Monitoring Covered up to ABL Covered subject to MBL
Php5,000/member/year
covered up to covered up to
3 Esophageal Manometry Covered up to ABL
Php5,000/member/year Php5,000/member/year
Positron Emission covered up to covered up to covered up to
4
Tomography Php5,000/member/ year Php5,000/member/year Php5,000/member/year
CT Pulmonary covered up to covered up to
5 Covered up to ABL
Angiography Php5,000/member/year Php5,000/member/year
covered up to covered up to covered up to
6 Photodynamic Therapy
Php5,000/member/ year Php5,000/member/year Php5,000/member/year
24-hour Holter
7 Covered subject to ABL Covered subject to MBL Covered subject to MBL
Monitoring
8 Adrenocortical Function Covered subject to ABL Covered subject to MBL Covered subject to MBL
Anti-Nuclear Antibody,
9 C-Reactive Protein, Covered subject to ABL Covered subject to MBL Covered subject to MBL
Lupus Cell Exam
10 Arterial Blood Gas Covered subject to ABL Covered subject to MBL Covered subject to MBL
Arthroscospic
11 Procedures, Orthopedic Covered subject to ABL Covered subject to MBL Covered subject to MBL
Arthroscopy
Audiograms and
12 Covered subject to ABL Covered subject to MBL Covered subject to MBL
Tympanograms
Bone Density Test (Dexa
13 Covered subject to ABL Covered subject to MBL Covered subject to MBL
Scan/BMD Studies)
Computed Tomography
14 Covered subject to ABL Covered subject to MBL Covered subject to MBL
Scans
15 Diagnostic Radiographs:
a. Biliary tract:
Cholecystogram and Covered subject to ABL Covered subject to MBL Covered subject to MBL
Cholangiogram
b. Chest, ribs, sternum
Covered subject to ABL Covered subject to MBL Covered subject to MBL
and clavicle
c. Digestive: Plain film of
the abdomen, Barium Covered subject to ABL Covered subject to MBL Covered subject to MBL
Enema, Upper GI Series,
 Lower GI Series, Small
Bowel series

d. Face (including
Covered subject to ABL Covered subject to MBL Covered subject to MBL
sinuses), Head and Neck
e. Urinary: KUB,
Pyelograms and Covered subject to ABL Covered subject to MBL
Cystograms
f. X-ray of the
Covered subject to ABL Covered subject to MBL Covered subject to MBL
extremities and pelvis
g. X-ray of the spine
(cervical, thoracic, Covered subject to ABL Covered subject to MBL Covered subject to MBL
lumbo-sacral)
16 Diagnostic Ultrasounds:
a. 2D-Echo with Doppler Covered subject to ABL Covered subject to MBL Covered subject to MBL
b. Abdomen Covered subject to ABL Covered subject to MBL Covered subject to MBL
c. Duplex Scan Covered subject to ABL Covered subject to MBL Covered subject to MBL
d. Digestive and Urinary
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Systems
e. Ultrasound of the
covered up to Php5,000 Covered subject to MBL Covered subject to MBL
Lungs
f. 4D Ultrasound except
covered up to covered up to
for maternity-related Covered subject to ABL
Php5,000/member/year Php5,000/member/year
cases
Electroencephalogram Covered subject to ABL Covered subject to MBL Covered subject to MBL
Electromyelography and
Nerve Conduction Covered subject to ABL Covered subject to MBL Covered subject to MBL
Studies
Endoscopic Procedures Covered subject to ABL Covered subject to MBL Covered subject to MBL
Fluorescein Angiography Covered subject to ABL Covered subject to MBL Covered subject to MBL
Impedance
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Plethysmography
Lead Electrocardiogram Covered up to Php5,000 Covered subject to MBL Covered subject to MBL
Magnetic Resonance
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Angiography (MRA)
Mammography and
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Sonomammogram
Myelogram Covered subject to ABL Covered subject to MBL Covered subject to MBL
Pap`s Smear Covered subject to ABL Covered subject to MBL Covered subject to MBL
Perfusion Scan Covered subject to ABL Covered subject to MBL Covered subject to MBL
Plasma Urinary Cortisol,
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Plasma Aldosterone
Polysomnograms (Sleep
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Recording)
Pulmonary Function
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Tests
17 Radioisotope Scans and Function Studies:
subject to special
modalities limit ;
a. Cardiac Covered subject to MBL Covered subject to MBL
Php5,000 limit per
service
 subject to special
b. Gastrointestinal modalities limit ; Php Covered subject to MBL Covered subject to MBL
5,000 limit per service
subject to special
c. Liver modalities limit ; Php Covered subject to MBL Covered subject to MBL
5,000 limit per service
d. Parathyroid Bone, subject to special
Pulmonary (Perfusion/ modalities limit ; Php Covered subject to MBL Covered subject to MBL
Ventilation Lung Scans) 5,000 limit per service
subject to special
e. Renal modalities limit ; Php Covered subject to MBL Covered subject to MBL
5,000 limit per service
subject to special
f. Thyroid Scans modalities limit ; Php Covered subject to MBL Covered subject to MBL
5,000 limit per service
subject to special
g. Total Body Scans modalities limit ; Php Covered subject to MBL Covered subject to MBL
5,000 limit per service
h. Cardiac Stress Tests
subject to special
(Thallium and
modalities limit ; Php Covered subject to MBL Covered subject to MBL
Dipyridamole Stress
5,000 limit per service
Tests)
subject to special
Radionuclide
modalities limit ; Php Covered subject to MBL Covered subject to MBL
Ventriculography
5,000 limit per service
Surface subject to special
Electromyography modalities limit ; Php Covered subject to MBL Covered subject to MBL
(SEMG) 5,000 limit per service
subject to special
Thallium Scintigraphy Covered subject to MBL Covered subject to MBL
modalities
TMST-Treadmill Stress Covered subject to ABL
Covered subject to MBL Covered subject to MBL
Test except Nuclear TMST
Cataract extraction
Covered subject to ABL Covered subject to MBL Covered subject to MBL
except cost of lens
X-Ray, laboratory
examinations, routine,
diagnostic and
therapeutic procedures
prescribed by an
accredited
physician/specialist, Covered subject to ABL Covered subject to MBL Covered subject to MBL
provided however that
the cost of diagnostic
and therapeutic
procedures covered
shall be limited to a
specific amount.
covered up to covered up to covered up to
Tuberculin test
Php600/member/year Php600/member/year Php600/member/year
Blood Chemistries Covered subject to ABL Covered subject to MBL Covered subject to MBL
Chest X-Ray Covered subject to ABL Covered subject to MBL Covered subject to MBL
Complete Blood Count
Covered subject to ABL Covered subject to MBL Covered subject to MBL
(CBC)
Fecalysis Covered subject to ABL Covered subject to MBL Covered subject to MBL
Urinalysis Covered subject to ABL Covered subject to MBL Covered subject to MBL
THERAPEUTIC PROCEDURES
 Covered subject to ABL Covered subject to MBL Covered subject to MBL
Angioplasty / Coronary
(Stent or Balloon not (Stent or Balloon not (Stent or Balloon not
Artery Bypass Graft
covered) covered) covered)
covered subject to covered subject to covered subject to
Gamma Knife Surgery prevaling rate/RUV of prevaling rate/RUV of prevaling rate/RUV of
conventional method conventional method conventional method
Laparoscopy (except
those listed in the
covered subject to ABL Covered subject to MBL Covered subject to MBL
Special Modalities of
Treatment)
Conventional
covered subject to ABL Covered subject to MBL Covered subject to MBL
Hemorrhoidectomy
Scalpel
covered subject to ABL Covered subject to MBL Covered subject to MBL
Hemorrhoidectomy
Stapled covered subject to ABL Covered up to Php 5,000 Covered up to Php 5,000
Hemorrhoidectomy except cost of staple /member /year /member /year
subject to special
Covered up to Covered up to
Mammotome modalities limit ; Php
Php5,000/member/year Php5,000/member/year
5,000 limit per service
Botox which is not
subject to special
cosmetic in nature nor Covered up to Covered up to
modalities limit ; Php
for beautification Php5,000/member/year Php5,000/member/year
5,000 limit per service
purpose
Dialysis Covered subject to ABL Covered subject to MBL Covered subject to MBL
Intravenous
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Chemotherapy
Physical For OP: PT & OT is For OP: PT & OT is For OP: PT & OT is
therapy/Occupational shared/aggregate limit & shared/aggregate limit & shared/aggregate limit &
Therapy excluding whichever comes first whichever comes first whichever comes first
subspecialties such as (either 12 sessions or (either 12 sessions or (either 12 sessions or
cardiac rehabilitation, ABL); For IP: subject to MBL); For IP: subject to MBL); For IP: subject to
pulmonary aggregate ABL - For aggregate MBL - For aggregate MBL - For
rehabilitation and the Rehabilitative purposes Rehabilitative purposes Rehabilitative purposes
like. only only only
Therapeutic Radiology:
a. Brachytherapy Covered subject to ABL Covered subject to MBL Covered subject to MBL
b. Cobalt Covered subject to ABL Covered subject to MBL Covered subject to MBL
c. Linear Accelerator
Covered subject to ABL Covered subject to MBL Covered subject to MBL
Therapy
d. Radioactive Cesium Covered subject to ABL Covered subject to MBL Covered subject to MBL
e. Radioactive Iodine Covered subject to ABL Covered subject to MBL Covered subject to MBL
f. Intensified
Covered up to Covered up to Covered up to
Modulated
Php5,000/member/year Php5,000/member/year Php5,000/member/year
Radiotherapy
Treatment for minor
injuries such as
Covered subject to ABL Covered subject to MBL Covered subject to MBL
lacerations, mild burns,
sprains and the like
Minor surgery not
requiring confinement
prescribed by an Covered subject to ABL Covered subject to MBL Covered subject to MBL
Affiliated Physician /
Specialist
 Eye laser therapy for
retinal tear, retinal hole,
retinal detachment and covered up to ABL,
glaucoma prescribed by except for correction of
Covered up to Php 10,000 Covered up to Php 10,000
an affiliated EOR such as myopia,
/eye /member /year /eye /member /year
Physician/Specialist , astigmatism and
excluding eye correction hyperopia
such as Lasik, PRK and
the like
Blood products
transfusions and
Covered up to ABL
intravenous fluids,
except blood donor Covered subject to MBL Covered subject to MBL
including blood
screening test
screening and cross
matching
GROUP LIFE WITH ACCIDENTAL DEATH & DISABLEMENT (AD&D) BENEFITS
(For Principal Members/Employees only)
1 Death Php 100,000 Php 100,000 Php 100,000
2 AD&D Coverage Php 100,000 Php 100,000 Php 100,000
100% of amount of 100% of amount of 100% of amount of
a. life
insurance insurance insurance
b. entire sight of both 100% of amount of 100% of amount of 100% of amount of
eyes insurance insurance insurance
c. both hands or both 100% of amount of 100% of amount of 100% of amount of
feet insurance insurance insurance
d. one hand and one 100% of amount of 100% of amount of 100% of amount of
foot insurance insurance insurance
e. either hand or foot 100% of amount of 100% of amount of 100% of amount of
and sight of one eye insurance insurance insurance
f. Arm at or above 70% of amount of 70% of amount of 70% of amount of
elbow insurance insurance insurance
60% of amount of 60% of amount of 60% of amount of
g. Leg at or above knee
insurance insurance insurance
h. One hand at or above 50% of amount of 50% of amount of 50% of amount of
wrist insurance insurance insurance
i. One foot at or above 50% of amount of 50% of amount of 50% of amount of
the ankle insurance insurance insurance
50% of amount of 50% of amount of 50% of amount of
j. Hearing of both ears
insurance insurance insurance
50% of amount of 50% of amount of 50% of amount of
k. Sight of one eye
insurance insurance insurance
l. Four fingers and 50% of amount of 50% of amount of 50% of amount of
thumb of one hand insurance insurance insurance
 OPTIONAL RIDER/OTHER SERVICES:

• Annual dental examination and consultations

• Emergency out-patient dental treatment
• Oral Prophylaxis once a year (light cases only)
• Simple tooth extractions
Optional Rider: • Restorative and prosthodontics treatment planning
Dental Benefits • Temporary fillings-unlimited as needed
• Desensitization of hypersensitive teeth
Package 1: • Simple adjustment of dentures
Standard Package • Simple adjustment of dentures
• Recementation of loose crows, inlays and onlays
• Dental nutrition and dietary counselling
• Dental health education
• Temporo mandibular joint consultation
• Gum treatment for cases like inflammation

• Package 1: Standard Package

Package 2:
Plus
Non-Standard Package
• 2 surfaces light-cure dental filling

• Package 2: Non-Standard Package

Package 3:
Plus
Non-Standard Package
• 1 additional prophylaxis
 GUIDELINES AND DEFINITION FOR PRE-EXISTING DREADED AND NON-DREADED CONDITIONS:

Dreaded Disease Condition:

Any condition that is chronic, progressive, life-threatening and which may entail lifelong therapy wherein
complete cure cannot be ensured.

Dreaded conditions are as follows, but not limited to:

a. All malignancies (including indicated chemotherapy or radiotherapy)

b. Arthritis
c. Blood Dyscrasias such as but not limited to Leukemia, Idiopathic Thrombocytopenic Purpura
d. Chronic Cardiovascular Diseases and its complications such as but not limited to Uncontrolled
Hypertension of whatever etiology, Aortic Dissection, Abdominal Aortic Aneurysm, Myocardial
infarction, Cardiac Arrest, Congestive Heart Failure, Cardiac Arrhythmia, Cardiac Tamponade,
Coronary Artery Disease, Cardiomyopathies and Valvular Heart Disease, Aortic Dissection,
Abdominal Aortic Aneurysm and Peripheral Vascular Disease and its complications such as but not
limited to Buerger’s Disease
e. Cataract and Glaucoma
f. Cerebrovascular Diseases such as but not limited to Stroke, Cerebral, Cerebellar, Thrombosis,
Embolism and Ruptured aneurysm and all Intracranial Hemorrhage and related conditions
g. Cholecystolithiasis and Choledocholithiasis
h. Chronic Endocrine Disorders and its complications such as but not limited to Dyslipidemia, Obesity,
Diabetes Mellitus, Hormonal Dysfunctions excluding surgical treatment/procedures for obesity
i. Chronic Gastrointestinal Diseases such as but not limited to Irritable Bowel Syndrome, Crohn’s
disease
j. Chronic Genito-urinary Disorders
k. Chronic Kidney Disease/Failure & its complications
l. Chronic Liver Parenchymal Diseases such as but not limited to Liver Cirrhosis, Chronic hepatitis,
Non-alcoholic Fatty Liver Disease/Steatohepatisis (NASH)
m. Chronic Pulmonary Diseases such as but not limited to Bronchial Asthma, Chronic Obstructive
Pulmonary Disease (COPD), emphysema, and other chronic lung disease
n. Collagen Vascular/Connective Tissue/Immunologic Disorders such as but not limited to Systemic
Lupus Erythematosus and its complications
o. Complications of immuno-compromised clinical conditions except HIV/AIDS
p. Extrapulmonary Tuberculosis including Pott’s disease and Multi-Drug Resistance Case (MDR) case
q. Multiple Organ Failure
r. Muscular Dystrophies such as but not limited to Duchenne, Becker, limb girdle,
facioscapulohumeral, myotonic, oculopharyngeal, distal, and Emery-Dreifuss
s. Neuro-surgical interventions and/or major neurological diseases such as but not limited to
Poliomyelitis/Meningitis/Encephalitides, Demyelinating Neurologic diseases and its
complications/sequelae and Peripheral Nervous System Disorders/disease
 t. Thyroid Dysfunctions due to disease of thyroid such as but not limited to Hypothyroidism and
Hyperthyroidism
u. Any illness other than above which would require Critical Care/Intensive Care Unit (ICU)
Confinement
v. All complications resulting from above list of conditions

Non-dreaded conditions are as follows, but not limited to:

a. All benign tumors

b. Anal Fistulae
c. Cervical Polyps (if benign biopsy)
d. Conjunctivitis (except chemical, complicated)
e. Endometrioses/Controlled Dysfunctional Uterine Bleeding (except if caused by uterine
malignancies)
f. Hemorrhoids
g. Hepatitis A
h. Gastritis, Duodenitis or Uncomplicated Gastric / Duodenal Ulcer
i. Inactive Pulmonary Tuberculosis
j. Migraine
k. Non-surgical Ear-Nose-Throat conditions such as but not limited to Sinusitis, Rhinitis,
Tonsillopharyngitis, Laryngitis, Parotitis, Otitis Media, Otitis Externa and Surgical Ear- Nose-
Throat conditions such as but not limited to Tonsillectomy, Nasal Polypectomy, Tympanoplasty,
Sialolithotomy, Sialodochoplasty.
l. Non-Toxic Goiter (if uncomplicated)
m. Ovarian cysts
n. Uncomplicated Cholecystitis, Cholelithiasis
o. Uncomplicated Hernias (Congenital Hernia will have coverage as listed in the Congenital Clause)
p. Uncomplicated Hypertension
q. Uncomplicated Urinary Tract Infection, Stones/Calculi
r. Urinary Incontinence

Notes: Pre-existing conditions that are identified as Dreaded or Non-Dreaded are subject to yearly
evaluation. Recommended limit will be provided upon account’s renewal.
 ANNEX D: PHILCARE’S GENERAL EXCLUSIONS APPLICABLE TO HEALTH CARE COVERAGE

“No Health Care Benefits shall be paid for the following services, procedures or conditions unless
otherwise specified in the contract.”

1. Care by Non-Affiliated Physician in either Affiliated or Non-Affiliated Hospitals, except in emergencies

wherein the Emergency Provision of the Agreement shall apply;
2. Care by an Affiliated Physician in Non-Affiliated Hospital;
3. Additional hospital charges and Professional Fees resulting from taking a Room Category higher than
that specified in the Member’s Benefit Schedule.
4. Additional personal comfort items (e.g., telephone and television, additional food trays, admission kit
and such other items of the same nature);
5. Procurement or use of corrective appliances, prosthesis, artificial aids and durable equipment such as
but not limited to the following: (a) stents; (b) prolene mesh; (c) pins, screws, plates, wires; (d) VP shunt,
clips; (e) hearing aids; (f) intraocular lens, eyeglasses, contact lenses; (g) balloons, valves; (h) braces,
crutches; (i) pace maker;
6. All pregnancy-related conditions and complications relating to mother and unborn child, requiring
medical and surgical care, regardless of time/date of occurrence (during the actual time of pregnancy or
thereafter);
7. All sexually transmitted diseases
8. Circumcision, sterilization of either sex or reversal of such, artificial insemination, sex transformation or
diagnosis and treatment of infertility.
9. Rest cures, custodial, domiciliary and convalescent care. These pertain to care in a skilled affiliated facility
or an institution that meets certain standards for medical care and includes nursing care and therapeutic
services following hospital confinement.
10. Cosmetic procedure and surgery and oral surgery solely for purpose of beautification, except
reconstructive surgery to treat functional defects due to disease or accidental injury;
11. Blood screening, blood typing, cross-matching for potential donors in relation to blood donation and
transfusion;
12. Weight reduction programs, surgical operation or procedure for treatment of obesity, including but not
limited to gastric stapling;
13. Dental examination, extractions, fillings and general dental attention and conditions and all
complications arising there from, including oral surgery and prosthodental procedures following accidental
injury to teeth for purposes of beautification. Exceptions are treatment to the extent necessary for repair
and/or restoration of function, when the damage is caused solely by accidental injuries;
14. All forms of behavioral disorders whether congenital or acquired; developmental or psychiatric
disorder; psychosomatic illness;
15. Any injury, illness or condition which the Member may suffer after he has taken intoxicating drugs or
alcoholic beverage as evidenced by clinical history or alcoholic breath as determined by the examining
physician and/or conditions or illnesses resulting from Alcoholism and Drug Addiction;
16. Medical or surgical procedures that are experimental in nature and those that are not generally
accepted as standard medical treatment by the medical profession, that may include but is not limited to,
Chiropractic Services, Acupuncture, and Reflexology;
17. Allergens used for hypersensitivity testing regardless if administered as an out-patient or in-patient
procedure;
18. All expenses incurred by the Member in the process of donating organs;
19. Treatment of injuries or illnesses resulting from the voluntary participation of a Member in any
hazardous sport or activity that may include but is not limited to: bungee jumping, scuba diving, hang-
gliding, mountain climbing, parachuting, surfing, rock climbing, airsoft, paintballing, boxing, wrestling,
martial arts (such as taekwondo, judo, karate, etc.), gymnastics, motor sports (drag racing, jet skiing),
wakeboarding, water skiing and all such other voluntary activities which pose a grave danger to life and
limb, except those related to or directly connected with the Member’s occupation as declared in the
application for health care coverage under the Agreement;
20. Physical examinations, certification of results/fitness and other related services required for obtaining
or continuing employment, insurance application, government licensing, travel clearances, dental
clearance, school clearances, sports and competition clearances, company promotions or not related to
the health maintenance of the client;
21. Treatment of injuries or illnesses due to military service or suffered under conditions of war;
22. Executive check-ups and confinement which are for purely diagnostic purposes except as specified in
the Agreement;
23. Treatment of injuries or illnesses wherein the care or reimbursement of services is provided by law or
a government program, up to the stipulated limits;
24. Treatment of any injury which is proven to be attributable to the Member’s own misconduct such as
negligence, intemperate use of drugs or alcoholic liquor, direct or indirect participation in the commission
of a crime, whether consummated or not, violation of a law or ordinance, unnecessary exposure to
imminent danger or hazard to health, infections or complications as a result of tattoos and piercing of the
ear or any body part, whether self-inflicted or done by a third party, or attempted suicide or self-
destruction, whether sane or insane. Self-inflicted fireworks-related injuries fall within the foregoing
exclusions.
25. All cases of assault perpetrated by the Member including domestic violence which result in harm or
injury to the Member perpetrator.
26. Charges by physicians and health professionals, whether or not affiliated by PhilCare, on the difference
between their charged rate and PhilCare standard professional fees for specific medical services;
27. Take-home medicines, preventive and /or non-therapeutic drugs, such as but not limited to vitamins,
supplements, hormonal preparations, medicines or drugs during confinement which are not available in
the Philippines, immunizing agents and all other medicines/drugs not approved by the Bureau of Food and
Drugs (BFAD);
28. Out-patient medicines, with the exception of intravenous chemotherapy medicine and those
administered during an emergency treatment;
29. Vaccines, whether elective or administered during an emergency treatment are not covered.
30. All hospital charges and Professional Fees incurred after the day and time the discharge from the
hospital has been duly authorized.
31. Diagnosis and Treatment of Error of Refraction (EOR) conditions such as myopia, astigmatism, and the
like, including laser treatment for the purpose of corrective eye refraction.
32. Out-Patient Pain Management is not covered except in cases of emergency. In- Patient Pain
Management necessitating specialized pain management team and/or the use of specialized equipment
are likewise not covered.
33. Complications arising from non-covered procedures and surgery;
34. All diseases declared as epidemic by the Department of Health and any other recognized health
agencies.
35. “Medico-Legal Fees.” These are professional fees of a medico-legal consultant to whom a patient is
referred primarily for the issuance of a medical certificate for legal purposes.
36. All procedures and/ or services considered screening