Product Terms & Conditions


Terms and Conditions Governing the Purchase, Registration, and Availment of the PhilCare unli-CONSULT Cards

 

By buying, registering or availing coverage of any of the above products, I certify that I have read, understand and agree to these Terms and Conditions. If I disagree with these Terms and Conditions and I have not registered the product, I can request for a refund, subject to the PhilCare Returns & Refund or Replacement, or Cancellation Procedures (http://shop.philcare.com.ph/return-refund-terms), when I return the physical card of the PhilCare Prepaid Health Card.

 

I certify that the information given and to be given by me or on my behalf is true and correct and that any material misrepresentation or falsity therein shall be construed as an act to defraud PhilHealthCare Inc. (PhilCare), and serves as sufficient ground for any and all of the following actions: the rejection or cancellation of my application or membership, non-coverage of medical expenses at accredited providers, collection of receipt from me in case of payment of medical expense advanced by PhilCare. I hereby authorize PhilCare to inquire about and investigate all declared information from whatever sources PhilCare may consider appropriate.

I agree that for unli-CONSULT Cards, approval of application is automatic four (4) calendar days from notice of successful registration. Coverage shall automatically begin, regardless of the status of receipt of notice advising the member of successful registration and coverage period.

 

I agree to the procedure for availment of unli-CONSULT services found in www.philcare.com.ph/consultationcards.

 

I agree to the limitations and other exclusions applicable to health care coverage found http://shop.philcare.com.ph/non-covered-illnesses-and-diseases. PhilCare shall have the final decision to determine if the consultation service requested is caused by coverable or non-coverable condition.

 

I hereby agree to the retrieval and processing by PhilCare of any and all medical information drawn or obtained pursuant to its services based on my coverage, provided, that (a) such information shall only be utilized in accordance with lawful and official business purposes of PhilCare; (b) such information shall not be disclosed to non-essential personnel or entities; and (c) all reasonable efforts shall be taken to maintain the confidentiality of said information.

 

Terms and Conditions Governing the Purchase, Registration, and Availment of the PhilCare Prepaid Health Cards

(ER Shield, ER Vantage Plus, Dengue Assist, Health Vantage)

 

By buying, registering or availing coverage of any of the above products, I certify that I have read, understand and agree to these Terms and Conditions. If I disagree with these Terms and Conditions and I have not registered the product, I can request for a refund, subject to the PhilCare Returns & Refund or Replacement, or Cancellation Procedures (www.philcare.com.ph/returns), when I return the physical card of the PhilCare Prepaid Health Card.

 

I certify that the information given and to be given by me or on my behalf is true and correct and that any material misrepresentation or falsity therein shall be construed as an act to defraud PhilHealthCare Inc. (PhilCare), and serves as sufficient ground for any and all of the following actions: the rejection or cancellation of my application or membership, non-coverage of medical expenses at accredited providers, collection of receipt from me in case of payment of medical expense advanced by PhilCare. I hereby authorize PhilCare to inquire about and investigate all declared information from whatever sources PhilCare may consider appropriate.

 

Further, I agree that any and all application form and related documents submitted to PhilCare shall not be returned to me for whatever reason. In case of disapproval of my application, the membership paid and remitted will be refunded to me by PhilCare subject to the PhilCare Returns & Refund or Replacement, or Cancellation Procedures (http://shop.philcare.com.ph/return-refund-terms). PhilCare is under no obligation to provide me with a reason for disapproval of my application.

 

I agree that receipt of the corresponding membership fees by PhilCare does not constitute acceptance of my application until the corresponding application has been approved. For ER Shield and  ER Vantage Plus, approval of application is automatic seven (7) calendar days from notice of successful registration. For Dengue Assist, approval of application is automatic thirty (30) calendar days from notice of successful registration. Coverage shall automatically begin, regardless of the status of receipt of notice advising the member of successful registration and coverage period. Unless the applicant is otherwise advised, effectivity of membership and coverage starts seven (7) calendar days from payment of my Health Vantage and Health Vantage Elite application. Any incident, illness or condition that occurs prior to the start of coverage, even if it continues up to or past the Effectivity Date, will not be covered.

 

I agree to the coverage of illnesses as stated in the general exclusions applicable to health care coverage found in www.philcare.com.ph/non-covered-illnesses-diseases. PhilCare shall have the final decision to determine coverage of illness based on but not limited to registration date, start date of coverage, final diagnosis, general exclusions, evaluation of the case as emergency in nature, hospital billing, and professional fees.

 

I hereby agree to the retrieval and processing by PhilCare of any and all medical information drawn or obtained pursuant to its services based on my coverage, provided, that (a) such information shall only be utilized in accordance with lawful and official business purposes of PhilCare; (b) such information shall not be disclosed to non-essential personnel or entities; and (c) all reasonable efforts shall be taken to maintain the confidentiality of said information.