Select Assist

This Select Prepaid Medical Plan covers In-Patient medical treatment costs for a single eligible emergency condition within the Policy Period, with a lump sum cash assistance option for reimbursement.
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Covers the cost of In-Patient medical treatment for an eligible emergency condition during the Period of Insurance
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Provides reimbursement of a lump sum for emergency In-Patient treatment costs, regardless of the medical cost incurred
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Benefit Highlights

  • Defrays the In-Patient medical treatment cost for an eligible emergency condition occurring during the Period of Insurance. Once claim is approved, the limit is considered fully exhausted, and Policy is automatically terminated.
  • Effective Date is on the 7th day after successful registration.
  • Coverage for single occurrence of an eligible emergency condition happening within the Period of Insurance and availed of through reimbursement of lump sum cash assistance for the Emergency In-Patient treatment regardless of the incurred medical cost.

Emergency In-Patient Coverage

This plan provides comprehensive coverage for the treatment of an emergency medical condition, specifically for in-patient care. If you experience an emergency situation during the coverage period, the plan covers the medical expenses associated with your in-patient treatment. The coverage is available for conditions that require hospitalization or prolonged medical attention, ensuring that you receive the necessary care without worrying about financial burden. Once a claim is approved, the full coverage limit is applied to the eligible treatment costs, helping you manage any unexpected medical expenses that arise during emergencies.

Lump Sum Cash Assistance

The plan offers a one-time lump sum cash benefit to cover the costs of Emergency In-Patient treatment, regardless of the actual incurred medical cost. This benefit is provided upon the approval of the claim, making it a convenient and straightforward way to handle emergency medical costs. Whether your treatment requires a lengthy hospital stay or intensive medical interventions, the lump sum will cover these expenses upfront, ensuring you don’t need to worry about payments during a stressful time. Once the claim is processed and the lump sum is paid, the coverage limit is fully exhausted, and the policy is automatically terminated.

Flexible Coverage Renewal

The policy includes a waiting period after a claim is approved, which ensures that the next insurance period starts only after a 60-day gap following the claim's resolution. This condition is designed to protect the insurance provider and the policyholder, ensuring that coverage is renewed only after the specified interval. However, for policies with a 1-year coverage period, this waiting interval does not apply, so you can continue your coverage without any disruption. This makes it convenient for policyholders to stay protected and plan for future coverage renewal in advance.

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Preview of Benefit Limits and Premiums

Plan A
Plan B
Plan C
Maximum Benefit Limit (Up to)
PHP10,000
PHP20,000
PHP30,000
Premium
PHP1,499
PHP2,699
PHP3,899

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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