Your PhilCare cover ends when your employment with Outstaffer AI ends, for example when you resign, are dismissed or retire. Your dependents' PhilCare cover ends at the same time as yours.
Important: Do not use your PhilCare card after your cover ends. If PhilCare pays for care after that date, PhilCare can ask you to pay it back.
When your cover ends
Under the 2026-27 PhilCare contract (plan year 1 July 2026 to 30 June 2027), your cover ends on the day you leave, are dismissed or retire, or otherwise stop active work. Your dependents' cover ends on the same day.
If you stop work for a time because of illness or injury, approved leave or a temporary layoff, your PhilCare cover can continue for a limited time. Ask your HR Manager how long your cover continues.
After your cover ends
Stop using your card: do not use your PhilCare card or the HeyPhil DigiCard. PhilCare does not cover care after your cover ends.
Return your card: return your PhilCare card when your HR Manager asks for it.
Care PhilCare paid by mistake: if PhilCare pays for care after your cover ended, even if PhilCare approved it, PhilCare can ask you to pay it back.
Charges you may still need to pay
You must pay back any excess charges that PhilCare paid for you. Excess charges include hospital and doctors' fees above PhilCare rates, amounts above your limit, and items PhilCare does not cover.
Claims for care before you left
If you paid for covered care while you were still covered, send your claim to PhilCare within 60 days of the treatment, or of leaving hospital. If PhilCare asks for more documents, send them within 30 days. See "Philippines: How to Claim a Reimbursement From PhilCare".
Health cover after you leave
Your PhilCare cover through Outstaffer AI stops when your employment ends. If you want health insurance after you leave, plan for it before your last day.
Who to contact
This article is general information, not the full PhilCare contract. For the full terms of your PhilCare cover, ask your HR Manager.
Your last day of cover and returning your card: contact your HR Manager through a support request in the Outstaffer AI platform.
Claims and medical questions: call PhilCare on its 24/7 line, (02) 8462-1800.