Critical Cover Extra

With Critical Cover Extra, Pacific Cross offers a product that helps address your fears and anxieties about the future by providing you a lump sum cash benefit for critical illnesses.
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Critical Cover Extra provides a one-time lump sum payment upon the FIRST diagnosis of a covered critical illness
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Critical Cover Extra is renewable until age 60.
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Get financial support for eight major critical illnesses, including cancer, stroke and heart attack
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Benefit Highlights

While medical insurance such as our Blue Royale Dollar Plans already provide comprehensive medical coverage, there are direct and indirect costs that come with getting seriously ill that are not covered under any standard medical plan. The lump sum is intended not just to help pay for your medical bills, but also to provide much needed financial assistance to compensate for the loss of income brought about by your reduced ability to work.The benefit also provides you additional resources so you can make adjustments to your home or lifestyle as you cope with your illness. Since you can use the lump sum as you see fit, it can help pay for services or changes you need in order to make your condition more manageable, such as home care, child care or housekeeping. It can also help bridge the gap created by your income loss, so you can pay for other important things such as your home mortgage.

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Added Financial Security

Having a critical illness is stressful enough, especially when faced with the burden of financial worries. Critical Cover Extra provides a one-time, lump sum payout on top of your Blue Royale Plan, giving you the extra financial support you need during a difficult time. Unlike standard medical insurance that only covers hospitalization and treatments, this benefit provides cash that you can use however you see fit. Whether it's for additional medical expenses, specialized treatment, or alternative therapies, the choice is yours. With this added financial cushion, you can focus on your health and recovery without worrying about how to manage the costs.

Support for Life’s Unexpected

Recovering from a serious illness involves more than just medical treatment — it affects your entire lifestyle. Critical Cover Extra helps cover indirect costs that standard insurance doesn’t, such as lost income, home adjustments, or caregiving expenses. The lump sum payout allows you to hire home care services, pay for child care, or even cover daily necessities while you take time off work. If you need to modify your home to accommodate mobility challenges or hire extra help for household tasks, this benefit gives you the financial flexibility to do so. Instead of struggling with unexpected expenses, you can focus on regaining your health with the support you need.

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Protection for Life’s Biggest

A critical illness can change your life in an instant, bringing both emotional and financial strain. Critical Cover Extra ensures you have the financial resources to handle major health crises, covering eight serious conditions including cancer, stroke, and heart attack. These illnesses often require long-term care, expensive medications, or even major lifestyle adjustments—all of which come with significant costs. With a lump sum payout, you have the freedom to use the funds however you need, whether for medical expenses, personal care, or even ensuring your family’s financial stability. Having this extra layer of protection means you can focus on your recovery without the added stress of financial hardship.

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Preview of Benefit Limits

Issue Age
Sum Insured Allowed Per Plan
4 to 18 years old
Blue Royale A, B, and C: USD25,000
19 to 55 years old
Blue Royale A: USD25,000
Blue Royale B and C: USD50,000
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Frequently Asked Questions
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How can I get a Pacific Cross Medical Insurance Plan?
Fill out the Contact Form on our website (Click Contact us above), or e-mail us at info@pacificcross.com.ph. Our Account Executives will be more than happy to answer your questions or give you a free presentation online or in person, whichever you prefer.
How do I pay for my Pacific Cross Medical Plan’s Premium/Membership Fee?
Pacific Cross offers you several convenient ways to pay your premium: You can pay in cash or credit, via our website (Click Buy/Pay Medical), online banking or over-the-counter payments, either annually or semi-annually.
How can I get a Pacific Cross Travel Insurance Plan?
You can get a quote, and eventually buy our Travelsafe Insurance online through our website (Click Buy Travel Plans). Premiums will vary depending on certain factors such as your itinerary and the specific plan selected among others.
Do your Medical and Travel Plans provide coverage for COVID-19?
Pacific Cross Medical Plans provide reimbursement for COVID-19 vaccine acquisition and administration availed of overseas or within the Philippines, while Pacific Cross Travel Plans provide coverage for COVID-19 In-Patient Care. 

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Do I need to undergo a physical examination before I can get a Pacific Cross Insurance Plan?
No. Applicants normally do not need to undergo a physical exam. All you have to do is answer the application form and medical questionnaire as truthfully as possible. Failure to answer the questions in the declaration in full, concealment, or misrepresentation of any significant condition will affect your Policy/Agreement and the payment of your claims.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What is a Pre-Existing Condition?
A Pre-Existing Condition is any disability which existed before the commencement of cover as it presented signs or symptomswhich you were aware or should reasonably have been aware of. Pre-Existing Conditions are also those that are knownto you because you have felt its signs and symptoms regardless if this prompted you to seek for treatment, medication,advice, or diagnosis. When you answer our Medical Questionnaire, please ensure that you tell us about all your medicalconditions and symptoms happening at any time in the past and/or present, known and/or suspected, whether or nottreatment or professional advice was sought. Based on your provided details and submitted medical reports, declaredpre-existing conditions may be covered immediately subject to the Company’s underwriting guidelines.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What are Exclusions?
Exclusions are certain conditions that are permanently excluded from being covered. For full details, please refer to your Policy/Agreement.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Can I avail of 24/7 Telemedicine Consults?
Yes. Pacific Cross, together withour Telehealth Provider, allow you to have access to licensed doctors through your mobile phone, no appointment needed. This partnership provides you with immediate and easier healthcare access, especially amidst today's difficult times when obtaining quality medical care can be a challenge. As needed, our telehealth partner may provide important medical documents (e.g., e-prescriptions, e-laboratory requests, e-medical certificates).You can also get in touch with our telehealth partner for mental health first-aid support.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.

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