Select ER

A Select Prepaid Medical Plan with coverage for the treatment of an emergency medical condition in the Emergency Room as Out-Patient or as In-Patient.
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Financial assistance for emergency medical treatment with flexible claim options
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Fast and easy access to emergency medical protection
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BUY NOW! Click Buy Prepaid Medical Plans at the top of this page
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Benefit Highlights

  • Defrays the Out-Patient or In-Patient medical treatment cost for eligible emergency conditions
  • Covers the single occurrence of an eligible emergency condition happening within the Period of Insurance and availed of through either: a) reimbursement or direct settlement of actual medical cost incurred in the Emergency Room Department of an Accredited Hospital or b) reimbursement of lump sum cash assistance for the Emergency In-Patient treatment regardless of the incurred medical cost.
  • Coverage takes effect on the 7th day after successful registration

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Emergency Medical Support

This plan covers the cost of emergencymedical treatment. Whether through direct settlement at an accredited hospital or lump sum cash assistance, it ensures financial support during medical emergencies. Once the claim is approved, the policy is fully utilized and automatically terminates.

Fast & Affordable ER Coverage

Coverage begins on the 7th day after successful registration, ensuring swift protection for unexpected emergencies. If a claim is made, a 60-day waiting period applies before re-enrollment, unless the policy lasts a full year. This prepaid plan is a hassle-free way to access essential emergency medical benefits.

Clear Emergency Benefits

The policy provides financial support for emergency medical conditions but does not cover non-emergency cases such as diagnostic confinement, pandemics, congenital conditions, mental health disorders, or injuries from high-risk activities. It is designed specifically for urgent medical needs that require immediate treatment.

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Preview of Benefits and Premiums

Plan A
Plan B
Plan C
Maximum Benefit Limit (Up to)
PHP5,000
PHP10,000
PHP20,000
Premium
PHP499
PHP849
PHP1,199

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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