KwikCare Max – PhilCare

KwikCare Max – PhilCare: Comprehensive Medical Insurance for Your Peace of Mind

When it comes to securing health coverage, KwikCare Max by PhilCare offers a robust solution for individuals and families. This comprehensive medical insurance plan covers inpatient, outpatient, and emergency services, making it an all-encompassing option for Filipinos seeking quality healthcare. It ensures that plan holders can access critical services, from doctor consultations to laboratory tests, all without any cash out in accredited clinics and hospitals across the country.

Maximum Coverage for Inpatient, Outpatient, and Emergency Services

KwikCare Max offers coverage up to ₱150,000 for medical expenses, giving plan holders financial security when health issues arise. The plan covers room and board in regular private rooms, ensuring comfort during hospital stays. Additionally, patients gain access to all accredited hospitals and clinics, including top hospitals in the Philippines, providing a broad network of care options.

For inpatient services, KwikCare Max covers hospitalization, doctor-prescribed laboratory and diagnostic tests, consultations, and other related medical procedures. Outpatient services are equally covered, allowing members to get doctor consultations and tests without admission, all within the same maximum benefit limit.

Support for Pre-Existing Conditions

KwikCare Max also addresses the concern of pre-existing conditions. After six months of coverage, plan holders can start receiving benefits for most pre-existing conditions, such as hypertension and diabetes. The only exceptions are specific medical issues, including kidney disorders, heart conditions (except hypertension), tumors, and physical deformities. Even for these exceptions, PhilCare provides support where applicable, ensuring that the plan offers value even for those with prior health conditions.

Flexible Coverage for Different Ages

Eligibility for KwikCare Max extends from 18 to 65 years old for the principal members and their dependents. Dependents can be covered starting from infancy up to 65 years old, making the plan suitable for family-oriented health coverage. This range accommodates a wide range of health concerns, ensuring everyone from young adults to older individuals can benefit from the same level of care.

Value-Added Features: KwikRewards Program

As an added benefit, KwikCare Max includes membership in the KwikRewards Program. This membership provides additional perks for plan holders, creating more value for their investment. Whether through discounts, promotions, or other rewards, members can enjoy savings on services that matter to them.

What KwikCare Max Does Not Cover

As comprehensive as the plan is, KwikCare Max also outlines excluded coverages. These include government-related medical expenses, services provided for free, maternity-related conditions, and cosmetic/aesthetic procedures. Additionally, injuries resulting from hazardous activities or participation in brawls, riots, or crimes are not covered.

Conditions linked to excessive alcohol intake, drug use, or immoral behavior are excluded, as are psychiatric and psychosomatic disorders. Other exclusions include services like executive check-ups, organ transplants, and prosthetic devices unless explicitly covered. These clear exclusions ensure transparency, allowing plan holders to understand what services fall outside their coverage.

Excluded Industries and Professions

KwikCare Max also specifies certain industries and professions that are not eligible for coverage. These include government associations, agencies, and corporations, as well as the agricultural sector and high-risk occupations such as stuntmen, blasters, and armed forces personnel. Non-profit organizations and cooperative employees are allowed coverage only if certified as employees.

This exclusion policy helps ensure that the plan is aligned with the risk levels typically associated with regular health insurance coverage. It focuses on providing security for businesses and individuals with lower risk factors, while remaining flexible for employed dependents within specific fields.

The Bottom Line

KwikCare Max by PhilCare offers a comprehensive and robust medical insurance plan designed to meet the healthcare needs of Filipinos. It covers inpatient, outpatient, and emergency services, with a maximum benefit limit of ₱150,000. The plan includes features like room and board in private rooms, access to top hospitals, and coverage for pre-existing conditions after a six-month period.

Though the plan has clear exclusions and ineligible industries, it provides a solid foundation for individuals and families looking for reliable health coverage. With additional benefits like the KwikRewards Program and the flexibility to cover dependents, KwikCare Max ensures that healthcare remains accessible, affordable, and hassle-free for its members.

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