To see a doctor with PhilCare, go to a PhilCare accredited clinic or hospital and show your PhilCare card. For tests, procedures or a doctor at another clinic, you need a Letter of Authorization (LOA) from PhilCare. You can make your own LOA in the HeyPhil app for a consultation or procedure that costs less than PHP 1,500.
Important: In a medical emergency, do not wait for an LOA. Go to the nearest emergency room or call 911, then call PhilCare on (02) 8462-1800 within 24 hours.
Where to go
For care that is not an emergency, use PhilCare accredited doctors, clinics and hospitals. These include:
PhilCare MedHub clinics: clinics owned by PhilCare.
PhilCare Primary Care Centers: Healthway Medical Clinics.
FortMed Clinics.
Accredited hospitals: including Makati Medical Center, St. Luke's Medical Center (Quezon City and Global City), Cardinal Santos Medical Center, The Medical City and Asian Hospital.
To find an accredited doctor, clinic or hospital near you, use Find a Doctor or Find a Clinic or Hospital in the HeyPhil app, or log in to the PhilCare Member Gateway.
See a doctor at a clinic
Choose a PhilCare-owned clinic, or any accredited clinic or hospital. Call first to check that the doctor is available, because many doctors see patients by appointment.
At the clinic or hospital, find the HMO Coordinator or Concierge. Show your PhilCare card.
Get your consultation, or the procedure your doctor prescribes.
If the clinic cannot do a test or procedure that your doctor prescribes, ask the PhilCare LOA issuer at that clinic for an LOA. Then take the LOA to the provider named on it.
Tip: If you forget your PhilCare card, show the DigiCard in the HeyPhil app.
What an LOA is
A Letter of Authorization (LOA) is a letter from PhilCare that approves a medical service. You sign it. It tells the doctor or clinic that PhilCare will pay for the covered service.
Give the doctor 2 signed copies: one copy goes to PhilCare so the doctor's fee is paid, and one copy is for the doctor.
Use your LOA quickly: an LOA is valid for 3 days from the date it is issued.
Your limit: PhilCare issues LOAs only up to 80% of what is left of your PHP 200,000 limit for that illness or injury. If an LOA cannot cover the full cost, you may need to pay and then claim the money back. See "Philippines: How to Claim a Reimbursement From PhilCare".
Make your own LOA (below PHP 1,500)
You can make your own LOA online for a consultation or procedure that costs less than PHP 1,500.
Open the HeyPhil app, or log in to the PhilCare Member Gateway.
Create an LOA. Choose an accredited doctor or provider.
Print the LOA.
Go to the provider. Show the printed LOA and your PhilCare card.
For a consultation or procedure that costs PHP 1,500 or more, call PhilCare on (02) 8462-1800 to get an LOA.
You can also make an LOA for your dependents in the HeyPhil app, using your own login.
Get lab tests and other procedures
PhilCare covers X-rays, laboratory tests and other tests and treatments when an accredited doctor prescribes them. For out-patient tests and procedures, PhilCare covers the cost only up to a set amount.
Larger tests such as MRI and CT scans are covered up to your PHP 200,000 limit.
PhilCare does not pay for take-home or out-patient medicines. The exceptions are medicines given during emergency treatment, and chemotherapy.
Physical therapy
See a rehabilitation medicine specialist or an orthopaedic surgeon at an accredited clinic or hospital. If you need physical therapy, the doctor gives you a prescription or referral.
Choose a physical therapy provider and give them your prescription or referral. The provider asks PhilCare for your LOA.
Send your request to the provider at least 24 hours before your session. For repeat sessions, ask the provider to send the requests early.
In an emergency
In a medical emergency, you do not need an LOA first. Go to the nearest emergency room, or call 911. Then call PhilCare on (02) 8462-1800 within 24 hours. See "Philippines: What to Do in a Medical Emergency (PhilCare)".
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.
You can reach PhilCare on these channels:
PhilCare channel | Details |
24/7 hotline | (02) 8462-1800 |
Toll-free | 1-800-1-888-3230 |
Globe | (0917) 592 1800 |
Smart | (0998) 562 1800 |
Email (7am to 7pm, every day) |
LOAs of PHP 1,500 or more, finding a doctor and medical questions: contact PhilCare.
Your cover, your dependents or your card details: contact your HR Manager through a support request in the Outstaffer AI platform.