PanaloCare (DHI) Plus View larger

Product Description

PanaloCare is an affordable Daily Hospital Income (DHI), Intensive Care Unit Income (ICUI) with Personal Accident(PA) insurance product.

PanaloCare Plus 30-day coverage

Daily Hospital Income Benefits

Ages 18-45 = Php 500 per day

Ages 46-55 = Php 400 per day

Ages 56-64 = Php 250 per day

Intensive Care Unit Income Benefits

Ages 18-45 = Php 1,000 per day

Ages 46-55 = Php 800 per day

Ages 56-64 = Php 500 per day

Other Terms and Conditions Highlights for DHI

15 days to avail on 1st month

30 days to avail 2nd month onwards

30 days coverage period up to 1,000 consecutive days

Personal Accident Benefit

Php15,000 (for accidental death)

 

Eligibility

  • Must be 18 to 64 years old
  • In good health Active and free from any infirmities or disabilities
  • No pre-existing medical conditions
  • Exclusive for Filipinos residing in the Philippines for at least 6 months

Terms and Conditions

DHI coverage

  • beneficiary gets cash benefit for each day of hospitalization
  • 1,000 consecutive days maximum coverage
  • One can avail of this even if the first day of hospitalization is the last day of the coverage period

Intensive Care Unit (ICU) coverage

  • beneficiary gets double the cash benefit of DHI benefit for each day in the hospital’s ICU
  • 120 consecutive days maximum ICU coverage

Personal Accident (PA) coverage

  • beneficiary gets cash benefit upon death of the member from accident
  • 15 days waiting period on the 1st month before one can avail of the benefits of PanaloCare
  • Minimum of 3 days hospitalization to avail (applies to the first episode of hospitalization within the coverage period)
  • Multi-use within the coverage period (On a case-to-case basis, 2nd episode of hospitalization onward within the coverage period may not require a 3-day minimum hospitalization.)
  • 31 days grace period for renewal, after which the coverage terminates, a new certificate of cover will be in-effect upon renewal and a 15-day waiting period will take effect

Upgrade Eligibility

  • members (currently enrolled to PanaloCare or PanaloCare Annual), who wish to upgrade to a higher-value product (e.g. PanaloCare to PanaloCare Plus or PanaloCare Annual to PanaloCare Plus Annual) can do so without any restriction or a 15-day waiting period, provided their coverage has not lapsed or expired and they have been continuously subscribed to PanaloCare DHI or PanaloCare DHI Annual for at least six (6) months. On the 7 th month onwards, the policy can be upgraded to PanaloCare DHI Plus, as long as the member pays for the additional insurance premium for the the upgrade.

Downgrading the policy

  • PanaloCare DHI Plusor PanaloCare DHI Plus Annual has a lock-in period of 12 months. If a member wishes to downgrade the subscription before the lock-in period expires, the 15-day waiting period will apply on the 1 st month of the downgraded policy. -Basis for claim benefit will be the total number of days in the hospital (date & time of confinement & discharge to be stated on the hospital statement of account [SOA] are required during claims) 
  • Members may request for a partial claim during hospitalization as long as they can provide a hospital statement of account [SOA] for at least 3-days hospitalization and the other required documents for claims.
  • Valid ID or alternatives (such as Birth Certificate of beneficiary) are required during claims.

Checklist of Required Documents for Claims for Hospitalization and ICU

  • Accomplished Notice of Claim Form (downloadable from PanaloCare website)
  • Original or Certified True Copy of the Statement of Account from the Hospital
  • Police Report (when emergency/ hospitalization was caused by an accident)

Checklist of Required Documents for Claims for Accidental Death

  • Accomplished Notice of Claim Form (downloadable from PanaloCare website)
  • Police Report (when death was caused by an accident)
  • Death Certificate (from NSO or local civil registrar)

For more information: please visit FAQs

PanaloCare (DHI) Plus


US$ 5.99

With FREE P30 Load!Getting sick shouldn’t be a problem! PanaloCare is an affordable Daily Hospital Income (DHI), Intensive Care Unit Income (ICUI) with Personal Accident(PA) insurance product.

Reviews

No customer comments for the moment.

Write a review

PanaloCare (DHI) Plus

PanaloCare (DHI) Plus

With FREE P30 Load!Getting sick shouldn’t be a problem! PanaloCare is an affordable Daily Hospital Income (DHI), Intensive Care Unit Income (ICUI) with Personal Accident(PA) insurance product.

Write a review