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A peso plan that allows no-cash-outlay medical treatment using our accredited hospitals or swift reimbursement of medical expenses of up to PHP5 million for each disability, per lifetime.
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No-cash-outlay medical treatment using our accredited hospitals or swift reimbursement of medical expenses based on your coverage
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Comprehensive range of medical insurance benefits
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All-inclusive Core Benefits with coverage for both your medical and travel insurance needs
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Benefit Highlights

•  Maximum coverage of up to PHP5 million

•  All-inclusive Core Benefits to cover medical and travel insurance needs

•  Flexibility of availing of your benefits via reimbursement or no-cash-outlay

•  Personal accident and mental health coverage

•  Includes annual physical exam

•  Worldwide emergency assistance

•  Optional out-patient and dental benefits

•  Covers infants up to persons 100 years old

Up to PHP5 Million Coverage

Select Plans offer up to PHP5,000,000 in annual coverage, ensuring you have the financial support needed for medical treatments. Whether you need specialized care or routine treatment, these plans provide peace of mind with extensive coverage and flexible options. With both cashless medical treatment at accredited hospitals and swift reimbursements, you can access quality healthcare without financial stress.

Benefit Availment Flexibility

Select Plans provide financial security with medical reimbursements of up to PHP5,000,000. Whether it’s a long-term health condition or an unexpected illness, these plans ensure you receive quality care without worrying about overwhelming costs. With fast reimbursements and access to accredited hospitals, Select Medical Plans offer dependable protection tailored to your needs.

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All-inclusive Core Benefits

Select Plans go beyond basic medical insurance by offering core benefits that include travel-related coverage, emergency overseas assistance, and 24-hour worldwide support. Whether you're at home or abroad, you’ll have access to emergency medical care, overseas treatment, and an around-the-clock emergency hotline. These plans ensure that you’re protected in any medical situation, giving you the confidence to travel and live without worry. With its all-inclusive benefits, Select Plans provide the security you need for both health and travel.

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Preview of Benefit Limits

SELECT PLUS & SELECT STANDARD
SELECT PLUS & SELECT STANDARD
SELECT PLUS & SELECT STANDARD
SELECT PLUS
SELECT PLUS
WARD
SEMI-PRIVATE
PRIVATE 2M
PRIVATE 3M
PRIVATE 5M
Maximum Coverage
PHP1,000,000
PHP1,500,000
PHP2,000,000
PHP3,000,000
PHP5,000,000
Room and Board
As Charged
As Charged
As Charged
As Charged
As Charged
Miscellaneous Hospital Expenses
As Charged
As Charged
As Charged
As Charged
As Charged
Physician’s Visit (non-surgical)
PHP2,000
PHP3,000
PHP4,000
PHP4,000
PHP4,000
Specialist’s Fee
PHP2,000
PHP3,000
PHP4,000
PHP4,000
PHP4,000
Private Duty Nurse
PHP1,200
PHP1,800
PHP3,600
PHP3,600
PHP3,600
Show Preview of Premiums

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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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