PhilCare is a health maintenance organisation (HMO) in the Philippines. If your client chose PhilCare for you, it is your health insurance with Outstaffer AI. PhilCare pays for doctor visits, tests, hospital stays and emergency care at PhilCare rates, up to PHP 200,000 for each illness or injury, per person, per plan year. The current plan year runs from 1 July 2026 to 30 June 2027.
Note: Not sure if you have PhilCare? Check Profile > Health Insurance > Insurance Provider in the Outstaffer AI platform, because some employees in the Philippines have SafetyWing instead.
Who gets PhilCare cover
Your client chooses whether to give you health insurance and which insurer covers you. In the Philippines, your client can choose PhilCare or SafetyWing.
Under the 2026-27 PhilCare contract, employees aged 18 to 65 who are actively at work can join PhilCare from hire. You can also add family members as dependents. See Philippines: Who Can Join Your PhilCare Cover (2026-27).
Your cover start date shows in the Outstaffer AI platform under Profile > Health Insurance > Effective Date.
Your benefit limit
Your Maximum Benefit Limit (MBL) is PHP 200,000 for each illness or injury, per person, per plan year (1 July 2026 to 30 June 2027). This is the most PhilCare pays for one illness or injury in the plan year.
One illness, one limit: an illness and its complications count as one illness.
One accident, one limit: all injuries from the same accident count as one injury.
A new illness, a new limit: an illness that is not related to another illness has its own PHP 200,000 limit.
Each person has their own limit: you and each of your dependents each have up to PHP 200,000 per illness or injury.
The limit is renewed when the plan is renewed for a new plan year. Some benefits have a smaller limit inside the PHP 200,000. They are listed in "Philippines: What PhilCare Covers and Doesn't Cover (2026-27)".
Your hospital room
Your PhilCare room type in hospital is Private Open. This means PhilCare covers a private room. If you choose a room in a higher category, you pay the difference between your room rate and the average of the highest and lowest private room rates at that hospital. You also pay at least 30% of your other covered hospital charges for a room one level higher, or at least 50% for a room two levels higher, and any doctors' fees above PhilCare rates.
You do not pay an admission deposit at PhilCare accredited hospitals.
Pre-existing conditions
A pre-existing condition is an illness or condition that started before your PhilCare cover started. For the 2026-27 plan year, PhilCare covers pre-existing conditions as follows:
Employees: covered up to the full PHP 200,000 limit from the start of your cover.
Dependents already on your cover before 1 July 2026: covered up to the full PHP 200,000 limit.
Dependents you add from 1 July 2026: covered up to PHP 20,000 in their first year of cover, then up to the full PHP 200,000 limit from their second year.
Always give correct health and personal information when you or a dependent join. Wrong or missing information can cancel a member's cover from the start.
How to use PhilCare
To see a doctor or get tests: go to a PhilCare accredited clinic or hospital and show your PhilCare card. Some care needs a Letter of Authorization (LOA). See "Philippines: How to See a Doctor and Get Tests With PhilCare (LOA)".
To stay in hospital: see "Philippines: Being Admitted to Hospital With PhilCare".
To get money back after you paid: see "Philippines: How to Claim a Reimbursement From PhilCare".
To find your PhilCare member number: go to Profile > Health Insurance > Card Number in the Outstaffer AI platform. Your Card Number is your PhilCare HMO number. See How to Find Your HMO Number and Health Insurance Details.
In a medical emergency: go to the nearest emergency room or call 911 first. Then tell PhilCare within 24 hours on its 24/7 line, (02) 8462-1800. See "Philippines: What to Do in a Medical Emergency (PhilCare)".
Important: In a medical emergency, go to the nearest emergency room or call 911. Then call PhilCare on (02) 8462-1800 within 24 hours.
PhilCare is not PhilHealth
PhilHealth is the Philippine government health insurance. PhilCare is your private HMO, and the two are separate. PhilCare works together with PhilHealth: PhilCare takes off the amount PhilHealth covers before it pays its share. If you are not a PhilHealth member, tell your HR Manager when you join PhilCare.
Other PhilCare benefits
Dental care: check-ups, cleaning, simple extractions and some fillings at PhilCare accredited dental clinics.
Annual physical exam (APE): a yearly health check that includes blood, urine and stool tests and a chest X-ray.
Life insurance: PHP 50,000 life cover and PHP 100,000 accidental death and disablement cover, for employees under 66 only.
The details are in "Philippines: PhilCare Dental, Annual Physical Exam and Life Insurance".
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.
Medical questions, LOAs and finding a doctor or hospital: call PhilCare on its 24/7 line, (02) 8462-1800.
Your cover, your dependents or your card details: contact your HR Manager through a support request in the Outstaffer AI platform.