26/11/2022
Health Care Benifits
1. Hospitalization Services & Special Procedures
a. Hospitalization Services
1. Room and Board
2. Consultation and professional services of an affiliate doctor
or specialist
3. Laboratory tests, x-rays, and other prescribed diagnostic or
therapeutic procedures
4. Dressing, plaster cast and other medical supplies
5. Prescribed drugs and medication used in the hospital
6. Use of medical or surgical facilities and equipment,
operating and recovery room, intensive care unit, dialysis
and chemotherapy equipment
7. Administration of anesthesia or oxygen
8. Transfusion of hospital-provided whole blood or plasma
b. Special Procedures- if necessary and required during
Confinement these are included in hospital bill payment
1. X-ray
2. Ultrasound
3. Basic mammography
4. Treadmill test and/ or 2D Echocardiography
5. CT (computed tomography) scan
6. MRI (magnetic resonance imaging)
7. Nuclear Test
8. Chemotherapy or Radiotherapy
9. Hemodialysis
10. Cataract extraction
11. Other special procedure or therapeutic that we deem
appropriate.
c. Emergency Care: in event of emergency cases, health care
services the patient is entitled,
1. Actual charges of healthcare services classified under
Hospitalization Services and Special Procedures as
prescribed above, if emergency care is secured at our
affiliated hospital or clinic.
2. If Emergency Care is secured at non-affiliated hospital
or clinic , Eighty percent (80%) of documented actual
charges for said health care services based on our
standard rates.
3. If necessary, transportation or ambulance service from
a non-affiliated hospital or clinic shall be refunded
provided that the transfer is authorized by our accredited
doctor and cleared by our Attending doctor.
4. It is necessary to notify us within Forty Eight (48) hrs after
the start of the emergency medical condition either directly
or through your representative or else we shall not be
liable for any emergency care or service.
5. In any of the above circumstances , we reserve the right to
validate if the situation is as emergency or if the illness or
injury is covered under this agreement.
The charges for healthcare services under Hospitalization
Services, Special Procedures and Emergency Care described
above shall be accumulated and should be kept within the
Maximum Benefit Limit (MBL) prescribed in Art Vl hereunder.