PAYPAL

PHILIPPINES, INC.

Period of Coverage
February 1, 2020 to January 31, 2021
 COMPANY PROFILE
WHO WE ARE

Established in 1995

1M members &
More than 20 years of
counting
solid experience

3,000 hospital & clinic

19 offices spread network
across the country
DISCUSSION POINTS

ELIGIBILITY

PLAN LIMITS

AVAILMENT

OTHER BENEFITS
ELIGIBILITY

PRINCIPALS
Employees up to 65 years old.

DEPENDENTS
Eligible dependents of Employees,
provided Hierarchy is followed.
SINGLE
PRINCIPALS

1. Parents
Not over 65 years old
SINGLE PARENTS
PRINCIPALS

1. Children (Eldest to Youngest)

Biological / Legitimate/ Legally Adopted
15 days old – 21 years old
Unmarried & Unemployed

2. Parents
Not over 65 years old
MARRIED
PRINCIPALS

1. Legal Spouse
Not over 65 years old

2. Children (Eldest to Youngest)

Biological / Legitimate/ Legally Adopted
15 days old – 21 years old
Unmarried & Unemployed

EXTENDED DEPENDENT
3. Parents
Not over 65 years old
UNMARRIED
PRINCIPALS

1. Children (Eldest to Youngest)

Biological / Legitimate / Legally Adopted
15 days old – 21 years old
Unmarried & Unemployed

2. Domestic/ Common Law / Same

Gender Partner
Not over 65 years old
UNMARRIED
PRINCIPALS
REQUIREMENTS FOR DOMESTIC PARTNER
Birth Certificate (proof of legal age)

Barangay Certificate of cohabitation stating that the employees are

his/her partner in same address, and

Certificate of No Marriage (CENOMAR)

Partner not more than 65 years old with submission of required

documents Cover domestic (same as well as opposite sex) and common
law partner, policy conditions remaining same as spouse

Cooling period of 12 months in partner enrolment change

Both Partners should be single, not legally married to or the domestic

partner of anyone else
HMO PREMIUM CO-SHARE RATES

Single Parent w/o Domestic Single Parent with Domestic

Married Single
Member Partner Partner
(A) (B) (C) (D)

Employee PayPal - 100% Premium PayPal - 100% Premium PayPal - 100% Premium PayPal - 100% Premium

Spouse PayPal - 100% Premium NA NA NA

Domestic Partner NA PayPal - 100% Premium NA PayPal - 100% Premium

Children (Up to 3) PayPal - 100% Premium NA PayPal - 100% Premium PayPal - 100% Premium

Employee - 100% Premium Employee - 100% Premium Employee - 100% Premium

Children (More than 3) NA
PHP 21,090.72 p.a. per child PHP 21,090.72 p.a. per child PHP 21,090.72 p.a. per child

Employee - 50% Premium Employee - 50% Premium

Parents (Up to 2) PayPal - 100% Premium PayPal - 100% Premium
PHP 21,432.32 p.a. per parent PHP 13,667.36 p.a. per parent

Notes:

1. Deductions will start from March onwards. March deduction will be for 2 months (Feb and March) and April onwards it will be
monthly deduction
2. Please contact PayPal Support (Employee Central) for any inquiries on the salary deduction
3. All premiums are in PHP & Vat Inclusive
ENROLLMENT
POINTERS

20- Calendar Day Window Period

Dependents shall be enrolled within 20 days from the
effectivity of coverage.

No additional enrollments except for:

New born baby: 20 days from date of eligibility
Spouse of a newly wed employee: 20 days from date of
marriage
Dependent of a new employee: 20 days from effective date
of Principal member
ENROLLMENT
POINTERS
DEPENDENTS REQUIREMENTS
Parents Birth Certificate

Spouse Marriage Contract

Birth Certificate or Certificate of Live Birth
Child
Birth Certificate/ Barangay Certificate of
Domestic /Common Law/
Cohabitation/ CENOMAR (Certificate of No
Same Gender Partner Marriage)

Skipping of Hierarchy:
Dependents with Existing Active HMO membership
Dependents residing/working abroad
Legally Separated
Death
PLAN LIMITS
ROOM AND BOARD MAXIMUM BENEFIT LIMIT
(Regardless of the price) (Per type of Illness)

OPEN PRIVATE 200,000

*Net of PhilHealth

NOTE:
WITH ACCESS TO HEALTHWAY MEDICAL CLINICS, MAKATI MEDICAL CENTER, ST. LUKE'S (QC & GLOBAL CITY), ASIAN
HOSPITAL, CARDINAL SANTOS, THE MEDICAL CITY AND ITS AFFILIATED CLINICS
PLAN LIMITS
PRE-EXISTING CONDITION (PEC)

Existing New
Principals
Dependents Dependents
Up to MBL Up to MBL Up to MBL

What are PRE-EXISTING CONDITIONS (PEC)?

Conditions / Illnesses existing and evident to the member prior to effective date of coverage

• Nature can be clinically determined to have started whether the member is aware or not

• E.G. Hypertension, goiter, asthma, TB, gall or kidney stones, diabetes, tumors, myoma, arthritis,
hernia, prostate disorders…etc.
PREVENTIVE
FOR ALL MEMBERS

ANNUAL PHYSICAL EXAMINATION (APE)

Basic 5
• Physical Examination • CBC
• Chest X-Ray • Urinalysis • Stool Exam

For 35 years old and above: Pap smear and ECG

To be scheduled by your HR in coordination with Intellicare.
Wellness Program shall be covered up to four (4) sessions per
member per year

Routine Immunization (except cost of vaccines)

Note: APE process for employee and dependents to be announced
OUT-PATIENT
Medical Consultations with Intellicare affiliated doctors.
Treatment of minor injuries such as lacerations, mild burns and minor
surgery not requiring confinement performed by Intellicare affiliated
doctors.
Diagnostic procedures prescribed by an Intellicare accredited
physician.
Pre and Post Natal consultations with Intellicare affiliated OB-GYN up
to Maximum Benefit limit/member/year.
.

NOTE:
With access to Healthway Medical Clinics
OUT-PATIENT
Speech (for stroke patients) up to 12 sessions/year.

Physical Therapy/ Occupational therapy excluding subspecialties such

as cardiac rehabilitation, pulmonary rehabilitation and the like shall be
covered as follows:

- For IP: up to PEC limit;

- For OP: up to 12 sessions per member per year; subject to PEC limit

Note: Therapy of one (1) body area shall be considered as one (1) session

NOTE:
With access to Healthway Medical Clinics
OUT-PATIENT
AVAILMENT PROCESS

Proceed to any Intellicare Accredited Facility (subject to plan’s limits).

Present your Intellicare Membership Card with two (2) valid IDs at the facility’s
reception area or HMO / Industrial office for membership status validation.

If APPROVED, the Referral Control Sheet (RCS) will be issued.

If DECLINED, the attending staff will call the Intellicare’s Customer Service Hotline
for assistance.

Accomplish the Referral Control Sheet (RCS 1 / RCS 2) then proceed with availment.

NOTE: Certain out-patient procedures will require filing of Philhealth.

www.aventusmedical.com

NORTH EDSA
2/F Philippine College of Surgeon Bldg., 992 North Edsa,
Quezon City
METRO MANILA ☎: (02) 8352-4676 / (02) 8352-4677
MAKATI – AYALA NORTH EXCHANGE
3/F Retail 61 & 62, Amorsolo St., Ayala Ave., ALABANG
Makati City 2/F Sycamore ARCS 1 Building, Buencamino St. cor.
☎: (02) 8587-8053 Alabang-Zapote Road, Alabang, Muntinlupa City
☎: (02) 8556-3596 / (02) 8556-3592
MAKATI – FILOMENA BLDG.
6/F Filomena Bldg., 104 Amorsolo St., Legaspi Village,
Makati City REGIONAL
☎: (02) 8519-6787 / (02) 8817-1464 / (02)8 869-3289 CALAMBA
Unit 201-203 SQA Corporate Center, Barangay 1, National
BGC Highway Crossing, Calamba City, Laguna
G/F Citibank Plaza, 34th St. Corner Lane D., Bonifacio ☎: (045) 499-8417 / (045) 499-8419
Global City, Taguig City
☎: (02) 8352-8335 / (02) 8362-0042 STA. ROSA
2/F Carvajal Building 2, National Highway, Balibago City,
MANILA Sta. Rosa, Laguna
5/F Times Plaza Bldg., U.N. Ave. corner Taft Ave., Ermita, ☎: (049) 508-1806 / (049) 306-0397
Manila City
☎: (02) 8353-6807 / (02) 8353-6808 CLARK
G/F BPO Building 5, SM City Clark, M.A. Roxas
PASAY Highway,Brgy. Malabanias, Angeles City, Pampanga
Scape Bldg., Macapagal Avenue, cor. Pearl Drive, Central ☎: (045) 499-8417 / (045) 499-8419
Business Park 1, San Rafael, Brgy. 76, Pasay City
☎: (02) 8541-5645 / (02) 8838-0627 CEBU IT PARK
Unit 203 TGU Tower, Asiatown, IT Park Apas, Cebu
ORTIGAS ☎: (032) 479-9261
G/F AIC Grande Tower, Sapphire St. cor. Garnet Road,
Ortigas Center, Pasig City CEBU CYBERGATE
☎: (02) 8584-2430 / (02) 8584-1013 L/3 Robinsons Cybergate, 2029 Don Gil Garcia & J.
Llorente St., Capitol Site, Cebu
☎: (032) 236-9028 / (032) 238-3922 / (032) 238-7672
PREFERRED NETWORKS

5 Person Ward Emergency

Daniel Mercado Medical Center – Batangas
QualiMed Hospital – IloIlo
QualiMed Hospital – Nuvali, Laguna
QualiMed Hospital – San Jose Del Monte
QualiMed Clinic - Fairview Terraces
QualiMed Clinic - UP Town Center
QualiMed Clinic - Mckinley Road
QualiMed Surgery Center - Manila

Intellicare Lane Private Room

PREFERRED NETWORKS

Cebu Doctor's University Hospital

Mactan Doctors Hospital
Cebu North General Hospital
Cebu South General Hospital
San Carlos Doctors Hospital
PREFERRED NETWORKS

CDO Polymedic Medical Plaza CDO Polymedic General Hospital

www.medgatephilippines.com
www.medgatephilippines.com

1 2 3 4

Call Triage Teleconsultation E-treatment

www.medgatephilippines.com

Save on travel cost Save on time 24/7 | 365 days a year Save money

Multiple touchpoints No waiting in line Optional medication No disease exposure

delivery

38 pre-approved labs 3-Day unli consults

www.medgatephilippines.com

Call Doc. Anywhere.

TM

Anytime. No Line.

(02) 8705 0700

(032) 265 5111 (Cebu) 0917 536 2156 (Globe)
(082) 285 5111 (Davao) 0998 990 7540 (Smart)
(035) 522 5111 (Dumaguete)
0925 714 7794 (Sun)

SMS (request for a callback)

<Full name>; <Intellicare Card Number>; <Reason for Consultation>; <Contact Number>
0917 829 8469 (Globe) | 0998 843 8932 (Smart) | 0933 824 8040 (Sun)
IN-PATIENT
Room & Board accommodation within the limits of the PLAN.
Diagnostic procedures prescribed by an Intellicare accredited
physician.
Standard nursing care services, admission kit & other items directly
related to the medical management of the patient.
Ambulance Service (Accredited OR Non-accredited Hospital/ Clinic to
Accredited Hospital/ Clinic) shall be covered through reimbursement
up to Php2,500.00 per conduction (regardless of the location within
the Philippines)
IN-PATIENT
AVAILMENT PROCESS

Secure an admitting order from an Intellicare -affiliated physician.

Present the admitting order, your Intellicare Membership Card & two (2) valid IDs
at the admitting section of the hospital for membership status validation and
scheduling of confinement. IN-PATIENT
FORM (RCS 3)

On the schedule of confinement, occupy the entitled room according to plan

benefit.

Sign the Referral Control Sheet (RCS 3) issued by the visiting Intellicare
Patient Relations Officer.

NOTE: File for Philhealth upon discharge.

ROOM UPGRADING
INVOLUNTARY

If the entitled room is not available, member may occupy (1) One
category higher up to 24 hours (except suite room) without
incremental charges.

After 24 hours, whether the room becomes available or not,

incremental charges will be billed to the member.

If during confinement the entitled room becomes available,

member should transfer automatically to their allowed room
category. Otherwise, member will pay all incremental charges.
ROOM UPGRADING
VOLUNTARY

The member will be charged for the excess over their

entitlement and should pay the excess upon discharge
(approximately 30% of the total hospital bill, excess room & board and
doctor’s fee). All excess bills shall be collected from the member
before discharge.

Keep in mind that staying in a more expensive room also makes

the other services (i.e., medicines, professional fee, etc.) more
expensive.
EMERGENCY

ACCREDITED HOSPITAL NON-ACCREDITED FOREIGN TERRITORIES

(LEADING TO CONFINEMENT)

MAXIMUM
Up to MBL Up to Php30,000 Up to Php30,000
COVERAGE thru reimbursement thru reimbursement

HOSPITAL
BILLS 100% 80% 100%

PROFESSIONAL
BILLS 100% *RVS 80% *RVS 100% *RVS

*Relative Value Scale (RVS) – HMO Rates

REIMBURSEMENT
PROCESS

1. Secure and fill out the Intellicare Reimbursement Form.

2. Submit the Reimbursement Form with the following documents:

REQUIRED DOCUMENTS
Original Official Receipt (with TIN)
Statement of Account from the Hospital
Medical Certificate
Laboratory results (if with diagnostic procedure)
Operative record with histopath (if with operation)
Police report & Medico-legal Report (if required)

NOTE:
Submit to Intellicare not more than 30 days from expiration of treatment.
Processing of the request is within 20 working days upon receipt of complete documents.
 ☎: 1-800-101DENTAL (PLDT Toll-free) | (02) 8911-7777 (PLDT Trunk Line)

DENTAL
Thru:

Dental examination & oral health education

Once a year oral prophylaxis
Unlimited Simple tooth extraction
Unlimited Temporary fillings
Permanent Fillings - up to two (2) teeth per year
Emergency out-patient dental treatment
Restorative and prosthodontic treatment planning
Desensitization of Hypersensitive teeth - up to two (2) teeth per
year
Simple adjustment of dentures
 ☎: 1-800-101DENTAL (PLDT Toll-free) | (02) 8911-7777 (PLDT Trunk Line)

DENTAL
Thru:

Recementation of jackets, crown, inlays / onlays

Treatment of minor gum problems, mouth lesions, wounds & burns
Orthodontic consultation (braces and malposition of teeth)
Temporo mandibular joint (clicking of jaws) consultation
Pre-natal check of teeth and gums
Emergency dental treatment for the relief of pain
 ☎: 1-800-101DENTAL (PLDT Toll-free) | (02) 8911-7777 (PLDT Trunk Line)

DENTAL
Thru:

AVAILMENT PROCESS

MOBILE NUMBERS:
(0923) 809-5376 (Sun)
(0916) 761-5277 (Globe)

Set an appointment with an affiliated Dental Network Company dentist.

Proceed to the dental clinic on your scheduled date and present your Intellicare DENTAL FORM

Membership Card with two (2) valid IDs for membership status validation.
d

Avail the entitled benefit and sign the Dental Form.

ADDITIONAL BENEFITS
Eye laser treatment for retinal tear, retinal hole, retinal detachment and glaucoma except for cases
of myopia or correction of error of refraction (such as lasik, PRK and the likes) shall be covered up to
Php10,000.00 per eye per member per year.

Electrocauterization of skin lesions such as plantar warts, flat warts, periungual warts, filiform
warts and molluscum contagiosum, (from face down except genital warts and condyloma acuminata)
shall be covered up to Php2,000.00 per member per year to be done at Aventus Clinics provided that
an accredited physician recommends it and only for cases that affect the physiological functions of
the member (not for cosmetic/aesthetic purposes).
ADDITIONAL BENEFITS
Sclerotherapy for varicose veins (excluding medicines and for cosmetic purposes) shall be covered
up to Php30,000 per member per year provided that it is medically necessary and recommended by
an affiliated vascular surgeon (not for aesthetic purposes).

Allergy Testing/ Allergy screening shall be covered up to Php2,500.00 per member per year per
member per year if prescribed by Accredited Physician.

Tuberculin Test shall be covered up to Php600.00 per member per year if the member shows
symptoms of Tuberculosis and if prescribed by accredited physician.
ADDITIONAL BENEFITS
Treatment for animal bites and tetanus shall be covered as follows:

-Passive and active vaccines for treatment of animal bites and tetanus - up to Php20,000.00 per
member per year.

- Inital treatment for animal bites - up to the maximum benefit limit per member per year for the first
twenty-four (24) hours from the time the member was bitten.

Botox injection shall be covered up to Php5,000.00 per member per year if recommended by an
accredited/ affiliated physician to be medically necessary (NOT for aesthetic/beautification
purposes).
ADDITIONAL BENEFITS
Work-related conditions shall be covered up to the maximum benefit limit per member per year
subject to the exclusions and limitations of the contract.

Motor vehicular accidents shall be covered up to the maximum benefit limit per year subject to the
exclusions and limitations of the contract and a Police report MUST be submitted to Intellicare for
evaluation.

Provoked and unprovoked assault including domestic violence whether initiated by a known or
unknown third party shall be covered up to the maximum benefit limit per member per year subject
to the exclusions and limitations of the contract and a police report must be submitted to Intellicare
for evaluation.
ADDITIONAL BENEFITS
Scoliosis including necessary procedures, except physical therapy sessions, whether congenital, pre-
existing, developmental or acquired shall be covered up to Php40,000.00 per member per year

Note: Physical therapy sessions shall form part of the limit for Physical therapy/ Occupational therapy
limit

Congenital conditions including Congnital Hernia shall be covered up to Php40,000.00 per member
per year subject to pre-existing condition limit (whichever is lesser).

Note: Physical therapy sessions shall form part of the limit for Physical therapy/ Occupational therapy
limit.
ADDITIONAL BENEFITS
Coverage for complications of congenital conditions shall form part of the limit for congenital illness

Consultation for chronic dermatoses shall be covered up to the maximum benefit limit per member
per year.

Consultations and treatment for Scabies shall be covered per year.

HIV/ AIDS shall be covered up to the maximum benefit limit per member per year. HIV Screening
and out-patient medicines are not covered.

Hepatitis B (if acquired) shall be covered up to the maximum benefit limit per member per year.
ADDITIONAL BENEFITS
Optical benefit which includes optical consultations, examinations, contact lens, spectacle shall be
covered thru reimbursement up to Php3,500.00 for per member per year.

Note: Optical procedures will be based only upon doctor’s request.

ADDITIONAL BENEFITS
Maternity Assistance: A maternity assistance program shall be made available to all enrolled female
employees and legal spouse of male employees of the company. The enrolled member may avail of
the maternity assistance only once per contract period:

(1) Caesarean Delivery - PHP40,000.00

(2) Normal Delivery - PHP25,000.00
(3) Home Delivery - PHP10,000.00 (thru reimbursement only)
(4) Miscarriage / Abortion - PHP15,000.00
(5) Threatened Abortion - PHP15,000.00

Note: Maternity benefit may be covered outright if availed in an accredited hospital through an
accredited physician. Otherwise, coverage shall be on a reimbursement basis.
ADDITIONAL BENEFITS
Please note that INTELLICARE will only process maternity reimbursement if all originals of the
following pertinent documents are submitted to INTELLICARE:
- Official Receipt
- Certified True Copy of Birth Certificate
- Medical Certificate (stating nature of delivery: i.e. Normal, Caesarian)
- Statement of Account (with itemized hospital bills)

Note: Maternity benefit may be covered outright if availed in an accredited hospital through an
accredited physician. Otherwise, coverage shall be on a reimbursement basis.
Gender Reassignment Surgery (GRS) coverage

GRS Guidelines:
• PayPal employees (only) are eligible for GRS benefit (one-time) upon completion of probation with PayPal
Philippines
• GRS benefit shall be covered for employees who are diagnosed with Gender Dysphoria
• Maximum limit for the gender reassignment surgery related expenses is PHP 200,000 per employee. This is over
and above the MBL.
• Refer GRS sub-limits that are part of PHP 200,000 GRS Benefit:
• Consultations through accredited/non-accredited endocrinologist including prescribed hormonal treatments
(through IV or injection only) shall be covered up to PHP 20,000 per employee per year through
reimbursement
• Consultation reimbursement through Psychiatrist shall have a maximum limit of PHP 1,500 per consultation
www.fwd.com.ph ✉: corporateclaims.ph@fwd.com

LIFE INSURANCE
FOR PRINCIPAL MEMBERS ONLY
Thru:

Group Life Insurance - Php 10,000.00

Family Assistance Benefit - Php 1,000.00

Terminal Illness Benefit - Php 10,000.00

Accidental Death - Php 10,000.00

www.fwd.com.ph ✉: corporateclaims.ph@fwd.com

LIFE INSURANCE
FOR PRINCIPAL MEMBERS ONLY
Thru:

SCHEDULE OF INJURIES PERCENTAGE SCHEDULE OF INJURIES PERCENTAGE

Both hands or feet 100% One ear 50%
One hand or foot 100% Thumb (both phalanges) 25%
Either one hand or one foot or one foot 100% Thumb (one phalanx) 10%
& sight of one eye Finger(s) (per phalanx) 3.5%
Loss of speech 50% Great toe 5%
Loss of hearing 50% Toe, other than great toe (one phalanx) 1%
Either one hand or one foot or one eye 50% Fractured leg or patella with 10%
Arm at above elbow 70% established non-union
Arm between elbow & wrist 60% Shortening of leg by at least 5cm 7.5%
Leg at or above knee 70% First or second metacarpals 3%
Leg between knee & foot 60% Third, fourth, or fifth metacarpals 1%
GENERAL EXCLUSIONS AND LIMITATIONS
Out-of-network service
Miscellaneous hospital charges
Special confinements (sanitarium, convalescent home, domiciliary care, etc.)
Health check ups (pre-employment, government requirements, insurance)
Medical certificates
Professional fees in medico-legal cases
Refusal to undergo recommended treatment or demanding treatment aside
from that which the Intellicare doctors have recommended
Blood screening
Vaccines for immunization, anti-rabies, anti-venom, steroid injections
Organ transplants or acquisition of an organ
Procurement of orthotics, prosthetics, take-home medical appliances and other
durable medical equipment (DME)
GENERAL EXCLUSIONS AND LIMITATIONS
Determining / ruling out PEC during the first 12 months of membership
if result is positive
Reproductive disorders, artificial insemination, circumcision, sex change
Laser eye surgery for myopia or error of refraction
Alternative medical treatment / procedures
Sleep study not due to an organic illness
Cosmetic alterations for aesthetic purposes
Out-patient medicines and medical supplies
Dental surgery, dental X-ray, impacted tooth / wisdom tooth
Hypersensitivity tests to check for allergies and desensitization
Any disability which may have affected a dependent prior to the 30th day after birth
Pregnancy and pregnancy-related conditions
GENERAL EXCLUSIONS AND LIMITATIONS
External Forces / Activities
Exposure to imminent danger or health hazards
Violation of a law or ordinance
Extreme / hazardous sports-related injuries
Fortuitous events / disasters
Air or sea travel other than as a fare-paying passenger on a licensed aircraft / vessel

Illnesses / Conditions
Congenital abnormalities
Neuro-developmental & genetic disorders (which may result to mental retardation)
Developmental delay
Sexually transmitted diseases
Psychiatric and psychological illnesses
MEMBERSHIP CARD

Always present your Intellicare

Membership Card and another
valid ID during availment.

NOTE:
LOST / DAMAGED CARDS: must be reported to Intellicare immediately.
REPLACEMENT FEE: Php100.00
CERTIFICATE OF COVER

NOTE:
In the absence of the membership
card, member may present the
Certificate of Cover (COC) signed by
an HR representative.
WEBSITE
www.intellicare.com.ph
CONNECT WITH US

Trunk Lines: (02) 7902-3400 / 8789-4000

TOLL – FREE NUMBER OUTSIDE METRO MANILA: 1-800-10-789-4000

24/7 CALL SUPPORT 24/7 TEXT SUPPORT

MOBILE HOTLINE NUMBERS MOBILE HOTLINE NUMBERS
(0920) 970 – 4724 Smart (0920) 951 – 8452 Smart
(0917) 840 – 4894 Globe (0917) 805 – 2502 Globe
(0922) 891 – 3957 SUN (0922) 891 – 3925 SUN

/Intellicare @Intellicare @IntellicarePH /IntellicarePH /Intellicare-PH

 LEISURE & OTHER
RECREATION SERVICES

*visit www.intellicare.com.ph for the complete list of Delights.

 HOTELS &
FITNESS RETAIL
RESORTS

*visit www.intellicare.com.ph for the complete list of Delights.

DINING & BEAUTY &
OPTICAL
CAFE WELLNESS

*visit www.intellicare.com.ph for the complete list of Delights.

Thank You