Your PhilCare plan for 1 July 2026 to 30 June 2027 includes dental care at PhilCare accredited dental clinics and an annual physical exam (APE). Employees also have PHP 50,000 life insurance and PHP 100,000 accidental death and disablement (AD&D) insurance. Life and AD&D insurance is for employees only, not dependents, and not for employees aged 66 or over.
Note: Dental care is for you and your covered dependents. Life and AD&D insurance is for employees only.
Dental care
PhilCare dental care is available only at PhilCare accredited dental clinics (Dental Network Company). For the 2026-27 plan year, it covers:
A dental check-up and consultation once a year
Emergency out-patient dental treatment, at accredited dental clinics only
Teeth cleaning (oral prophylaxis) for light cases, once per plan year, plus one more cleaning
Simple tooth extractions
Light-cure fillings for two teeth
Temporary fillings, as needed
Treatment for sensitive teeth
Gum treatment for swelling or bleeding
Simple adjustment and repair of dentures
Re-cementing loose crowns, bridges, inlays and onlays
A first consultation for jaw joint (TMJ) problems (a referral to a specialist is not covered)
Treatment planning, dental health education and advice on diet for healthy teeth
A check of your teeth and gums during pregnancy
For other dental services, accredited dental clinics give discounts of up to 20%. Examples are dentures, crowns, teeth whitening, braces, dental X-rays and dental surgery.
To book, contact the Dental Network Company on 0916-761-5227, 0923-809-5376 or 0945-538-7714.
Annual physical exam (APE)
The annual physical exam is a yearly health check at PhilCare-owned clinics and accredited clinics. It includes:
A physical exam and your medical history
Complete blood count (CBC)
Urine test (urinalysis) and stool test (fecalysis)
Chest X-ray
Eye test (visual acuity)
For members aged 35 and over: an electrocardiogram (ECG) and a Pap smear (for women)
Medical exams needed for work, school, insurance, travel or a licence are not part of the APE, and PhilCare does not cover them.
The 2026-27 PhilCare contract also includes 4 wellness sessions a year, organised for Outstaffer AI's PhilCare members.
Life insurance
If an employee dies while insured, the PhilCare group life insurance pays PHP 50,000 to their beneficiary. The insurer is Philippine Life Financial Assurance Corporation.
This cover is for employees only. It does not cover dependents, and it does not cover employees who have reached age 66.
Accidental death and disablement (AD&D)
If an employee dies, or loses a body part, sight, speech or hearing, because of an accident, PhilCare AD&D insurance pays a percentage of PHP 100,000. The percentage depends on the loss. Some examples:
Loss from an accident | Percentage of PHP 100,000 |
Death | 100% |
Both hands, both feet or two limbs | 100% |
Sight of both eyes | 100% |
Speech, or hearing in both ears | 100% |
An arm at or above the elbow, or a leg at or above the knee | 70% |
One hand or one foot | 50% |
Sight of one eye, or hearing in one ear | 50% |
A thumb | 15% |
Death or injury from unprovoked murder or assault is covered up to 100%, but not more than the amount in the full schedule. AD&D cover is for employees only, not dependents, and not for employees aged 66 or over. The same insurer provides it.
Make a life or AD&D claim
To start a life or AD&D claim, the family or the employee should contact the employee's HR Manager.
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.
Dental appointments: contact the Dental Network Company.
Your annual physical exam and life or AD&D claims: contact your HR Manager through a support request in the Outstaffer AI platform.
Medical questions: call PhilCare on its 24/7 line, (02) 8462-1800.