FlexiShield

Pacific Cross FlexiShield is here to help you carry the financial burden of expensive medical treatments at an affordable premium with up to PHP2 million medical coverage, including for COVID-19.
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A second layer plan for Individuals and Families that provides medical coverage to enhance your existing HMO Benefits.
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Available to Individuals, Families and Corporate Accounts
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Covers Hospitalization, Critical Care, Surgical Benefits, Daily Hospital Income, etc.
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Benefit Highlights

  • Additional medical coverage on top of your existing HMO
  • Available to Individuals, Families and Corporate Accounts
  • Critical Care and Surgical Benefits (Provides coverage for Intensive Care Unit and Operating Theater)
  • Available at affordable premiums
  • No-cash-outlay availment or Reimbursement
  • Coverage for COVID-19

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Second Layer Plan

2nd layer medical plan designed to enhance HMO coverage, with benefits up to PHP2 million. Designed for Individuals and Families who are covered by an HMO Plan as the first layer medical coverage. FlexiShield covers COVID-19, Daily Hospital Income, among others with a flexibility availment of no-cash-outlay or reimbursement.

Individuals, Families & Groups

Additional coverage for Members of Corporate accounts, Individuals and Families who are covered by an HMO Plan as the first layer medical coverage

Critical and Surgical Benefits

Provides coverage for Intensive Care Unit and Operating Theater

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Preview of Benefit Limits

Maximum Benefit Limit (MBL)
PHP2,000,0000
Maximum Benefit per Disability
for each disability per year
Room and Board including General Nursing Care
Private Room
Miscellaneous In-Patient Charges
As charged
Attending Physician’s Visit*
As Charged using the Company’s Accredited Provider Network Rates or
Up to PHP4,000 via reimbursement
Specialists’ Fees*
As Charged using the Company’s Accredited Provider Network Rates or
Up to PHP4,000 via reimbursement
Intensive Care Unit, Coronary Care Unit, Telemetry
As Charged
Operating Theater and Recovery Room
As Charged
Surgeon’s Fee*
As Charged
Anesthetist’s Fee*
Based on the Company’s Accredited Provider Network Rates or
Up to PHP90,000 per Disability, per year via reimbursement

Show Preview of Premiums

Downloads

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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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