SELECT PREPAID

INSURANCE PLANS
Affordable plans that will allow you to avail of
cash assistance for emergencies, dengue and
prescribed medicines.

With Pacific Cross, you’ll have peace of mind that

comes from knowing that you and your loved ones
are protected in every way.
We offer you our Select Prepaid Insurance Plans
Get yours today and avail of cash assistance for medical emergencies,
dengue and prescribed medicines.

Select ER
Enjoy cashless medical treatment or cash assistance worth
PHP 5,000 and PHP 20,000 (depending on the card variant
bought) for emergencies due to illness or accident.

Select DengueGuard
Receive cash assistance worth PHP 10,000 for
medically diagnosed Dengue. No hospitalization
required.

Select MedSecure
Reimburse up to PHP 2,000 worth
of prescribed medicines post-
hospitalization.

Pacific Cross | Select Prepaid Insurance Plans Page 2 of 8

Overview | Plan Benefits
Please read your Policy for the full terms, conditions and limitations.
• Get coverage for medical
treatment for emergency
condition as Out-Patient or
In-Patient in any hospital.
• Available to persons age 15
days old up to 65 years old
upon registration.
• Gives you the option to
avail of no-cash-outlay
emergency out-patient
treatment using our
accredited network
of hospitals, or file
your eligible claims for
reimbursement in the event
that you choose not to go
to an accredited medical
provider.
• Receive a lump sum
cash assistance for
emergency cases leading to
confinement regardless of
the incurred amount.
Premiums
Maximum Benefit Limit (MBL)
Premium
Select ER
15 days old to 65 years old
Pacific Cross | Select Prepaid Insurance Plans
• Enjoy cash assistance worth
PHP 10,000 for medically
diagnosed Dengue.
• Available to persons of all
ages.
• Symptoms for Dengue
should have occurred after
15 days from the date
of activation in order to
successfully avail of this
benefit.
• Symptoms, consultations
and laboratory tests related
to Dengue should have
occurred after 15 days from
the date of activation in
order to successfully avail
of this benefit.
• Hospitalization is not
required. Medical
document/s indicating
proof of contracting
Dengue is needed.
Select ER Select DengueGuard
(In Philippine Peso) (In Philippine Peso)
₱ 20,000.00 ₱ 5,000.00 ₱ 10,000.00
₱ 1,199.00 ₱ 499.00
ISSUE AGE
Select DengueGuard
Available to persons of all ages
• Avail of one-time
reimbursement for the
actual amount of prescribed
medicines, vitamins and
supplements of the Insured
Person as part of a follow-
up care within 90 days post
hospitalization.
• Hospitalization should have
occurred after 15 days from
date of activation.
• Available to persons age 15
days old up to 60 years old
upon registration.
• Motor vehicular accidents
are covered provided that
the incident happened
during the coverage period
plus 15 days from date of
activation.
• The reimbursement can
amount up to PHP 2,000.
Select MedSecure
(In Philippine Peso)
₱ 2,000.00
₱ 325.00 ₱ 549.00
Select MedSecure
15 days old to 60 years old
Page 3 of 8
Important Notes
• Pre-Existing Conditions
(PEC) are covered, with
7 calendar days waiting
period upon sucessful
registration.
• For Select ER Out-patient
availment, it is required that
the client is accommodated
for treatment in the
Emergency Room
Department of a hospital.
• Use of Select ER is subject
to one-time availment for
one (1) emergency case/
condition at a time.
• Coverage will be exhausted
after one (1) year of non-
usage or immediately upon
approval of eligible claims,
whichever occurs first.
• This benefit can be used on
top of your PhilHealth and/
or any other HMO/Medical
Plans.
• Multiple purchases are
allowed but can register
the succeding coverage
after two (2) months or 60
days interval period from
prior availment.
Pacific Cross | Select Prepaid Insurance Plans
• Coverage will begin
15 calendar days after
successful registration.
• Use of Select DengueGuard
is subject to one-time
availment for one (1)
Dengue case, per coverage
year.
• Coverage will be exhausted
after one (1) year of non-
usage or immediately upon
approval of eligible claims,
whichever occurs first.
• Multiple purchases are
allowed. However, only one
(1) Select DengueGuard can
be registered and activated
per individual at a time.
• Coverage will begin
15 calendar days after
successful registration.
• Pre-Existing Conditions
(PEC) are covered, with
15 calendar days waiting
period upon purchase of
Select MedSecure.
• Use of Select MedSecure
is subject to one-time
availment of all medicines,
vitamins and supplements
prescribed within 90 days
immediately following the
discharge from Hospital
Confinement of a covered
illness as a follow-up care.
• Coverage will be exhausted
after one (1) year of non-
usage or immediately upon
approval of eligible claims,
whichever occurs first.
• Multiple purchases are
allowed. However, only one
(1) Select MedSecure can
be registered and activated
per individual at a time.
Page 4 of 8
Step-by-Step Guide in Buying
a Pacific Cross Select Prepaid Insurance Plan Online

1
Go to
https://www.medexpress.com.ph
and click on Order Online button.

2
Choose your preferred option
on how you want your order to
be served. Indicate your City
and/or Barangay.

3
Search for the product.
In the blank field, type in
“PACIFIC CROSS”.

Choose your preferred prepaid

4
insurance plan, decide on the
number of plans you want to
purchase, and click on Add to
Basket.

5
After checking your order/s,
click on Checkout.

6
Indicate your mobile number
in the Mobile No. field.

7
Provide your Personal
Details.

There are other ways to get

a Pacific Cross Select Prepaid

8 Choose your preferred Insurance Plan, you can also

Payment Option. buy via over the counter at
select MedExpress Drugstores
or call the MedExpress Call

9
Check order details and click Center through telephone
on Submit to confirm your
purchase. number +63 2 8333-3333.

Pacific Cross | Select Prepaid Insurance Plans Page 5 of 8

 FREQUENTLY ASKED QUESTIONS
Q: What is the eligibility age in order to avail of a Select Prepaid Insurance Plan?
A: For Select ER, issue age is 15 days old to 65 years old, while for Select MedSecure issue age is 15 days old
to 60 years old. For Select DengueGuard, no eligibility age is required.

Q: Can I use my Select Prepaid Insurance Plan immediately right after successful registration?
A: No. An Activation Period will follow upon successful registration. For Select ER, 7 calendar days waiting
period will be observed. For Select MedSecure and Select DengueGuard, 15 calendar days waiting period
will be applied.

Q: Can I buy more than one (1) Select Prepaid Insurance Plan and register all under my name?
A: The Client may purchase more than one (1) prepaid insurance of the same product from other Pacific
Cross partners. However, only one (1) prepaid insurance of the same product can be registered and
activated per Individual at a given time. For Select ER, the Client may only register the second prepaid
insurance under his/her name 60 calendar days after the claim has been approved. If the claim is denied,
the prepaid insurance will still remain to be active.

Q: I already used my previous prepaid insurance, can I still buy and register for the same Select Prepaid
Insurance Plan?
A: No. For Select ER, the Client may only register the second prepaid insurance under his/her name 60
calendar days after the claim has been approved. For Select MedSecure and Select DengueGuard, once
the claim has been approved or the Policy expires, the second prepaid insurance can be registered
immediately after the previous policy.

Q: Will I be able to utilize the remaining balance of my coverage if my availment did not reach the maximum
benefit limit?
A: No. A Select Prepaid Insurance Plan is subject to one-time use only. Coverage will be terminated once
claim is approved. For Select MedSecure, it is suggested that receipts are collated for one-time submission
for a particular confinement. An initial submission of receipt will be considered as a one-time use already,
even if the succeeding receipts are related to the same illness.

Q: How do I file a claim?

A: Please submit the necessary claims requirements to Pacific Cross Customer Services team via e-mail
claims@pacificcross.com.ph.

Q: What are the requirements when filing for a claim?

A: A completely filled out and submitted Notification of Claim (NOC) Form together with the submission
of necessary Claims Requirements as outlined in the NOC Form. A copy of the NOC Form is available at
www.pacificcross.com.ph.

Q: Can I submit photocopy/ies of Official Receipt/s (OR) only?

A: For Select ER Out-Patient with claims worth PHP 10,000 and below the maximum benefit limit, an original
O.R. is not required. For Select ER Out-Patient with claims worth above PHP 10,000 and with an O.R. amount
higher than PHP 10,000, original O.R. is required. For Select MedSecure, original O.R. is not required.

Q: What happens to my coverage if my claim was denied?

A: If the claim was denied, the Select Prepaid Insurance will remain active within its validity period.

Q: Where can I inquire about the status of my claim?

A: Please get in touch with the Pacific Cross Customer Services team via e-mail client_services@pacificcross.
com.ph or call the Pacific Cross Hotline at +63 2 8230-8511.

Q: How will I receive my claims reimbursements?

A: Pacific Cross will credit the approved claims reimbursement of the Client to his/her nominated bank account.

Pacific Cross | Select Prepaid Insurance Plans Page 6 of 8

 EXCLUSIONS
Please read your Policy for the complete list of exclusions.

1. Confinement required wholly for executive check-ups, routine medical examinations or

check-ups or Confinement purely for diagnostic purposes, hearing test or any service
and treatment that are deemed unnecessary by the Company to the physical and
mental conditions involve.

2. Screening and treatment of congenital, heredo-familial, developmental abnormalities,

birth defect and complications arising therefrom.

3. Screening and treatments for Sexually Transmitted Diseases (STD), Acquired

Immunodeficiency Syndrome (AIDS), AIDS-Related Complex (ARC), Erectile Dysfunction
Syndrome and all complications arising therefrom.

4. Pregnancy related expenses and screening, childbirth, surgical delivery, miscarriage,

abortion including its complications, pre-natal or post-natal care as well as nursing care
for a newborn child.

5. Psychotic, mental or nervous/anxiety disorders, degenerative brain disorder including

any neuroses and their physiological or psychosomatic manifestations.

6. Injury or Illness arising directly or indirectly out of excessive consumption of alcohol,

misuse or irrational use of drugs/medications, solvent/substance or any addicting and
habit-forming drugs which cause complications that will require treatment or medical
intervention. Excessive consumption of alcohol is characterized by the Insured Person’s
alcohol level being above the normal range of such alcohol test.

7. Treatments or services arising from suicide, attempted suicide or intentionally self-

inflicted Injury.

8. Natural Catastrophes; Injuries or Illness arising out of epidemics including military/

paramilitary epidemics which are declared by any local, regional or international agency
or organization authorized to address health issues in the local and national geographical
area or country.

9. Injury or disease arising out of duties of employment or professions with physical hazard.

10. Participating in, but not limited to, the following activities including the practice and
actual competition: Auto racing, professional sports, Contact Sports, winter sports
except recreational skiing within authorized tracks, racing other than foot racing,
motorcycling (except daily use for transportation on a paved road), dressage, skydiving,
parasailing, hang gliding, flying (other than as a fare paying passenger on a duly licensed
commercial aircraft), caving, rock or mountain climbing (with or without the use of
ropes or other equipment), bungee jumping, polo, steeplechasing, hitchhiking, sport
diving, non-Recreational Scuba Diving as defined in the Policy, or any hazardous activity,
unless declared to and accepted by the Company.

Pacific Cross | Select Prepaid Insurance Plans Page 7 of 8

 Our Companies
Pacific Cross Insurance, Inc. and
Pacific Cross Health Care, Inc.

Pacific Cross is EXCELLENCE.

We are committed to bringing nothing but
the best to our clients. Our decisions are based on
an intricate understanding of our clients’ needs,
demands and expectations. We strive to create
and innovate programs that will best serve our
customers.
Pacific Cross is STABILITY.
We are one of the leading and most financially
stable companies in the industry today. Our
Premiums Earned in recent years put us in the top
10 non-life insurance companies in the Philippines.
Pacific Cross Center, 8000 Makati Avenue, 1200 Makati City,
Pacific Cross is EXPERIENCE.
We draw from over 70 years of experience in
the insurance industry. Our actions are guided by
a deep insight brought about by the knowledge we
have gained through the years.
Pacific Cross is CUSTOMER SERVICE.
We are rooted in a commitment to ever
improving customer service. We aim to be
continuously progressive and professional. Our
commendable track record and competent support
2nd Floor, The Medical City Clark, 100 Gatwick Gateway,
staff ensure that you are given immediate and
excellent service at all times.
Pacific Cross is a PARTNERSHIP OF TRUST.
We build and value enduring relationships. We
consistently prove that we are worthy of the highest
confidence — by our strict standards, the integrity
of our promises and the results we deliver. In the
event of a crisis, we assure you that Pacific Cross
will be your friend and ally.
To learn more,
call +63 2 8230-8511 or
visit www.pacificcross.com.ph
To buy online, please visit
www.medexpress.com.ph
HEAD OFFICE
Metro Manila, Philippines
Tel. No.: +63 2 8230-8511 Fax No.: +63 2 8230-8572
E-mail: info@pacificcross.com.ph
CEBU
Units 102 & 202, Avagar Building,
No. 09 Escario corner Molave Streets,
Lahug, Cebu City
Tel. Nos.: +63 32 233-5812, +63 32 233-5816,
+63 32 416-4468
Fax No.: +63 32 233-5814
E-mail: cebu@pacificcross.com.ph
CLARK
Clark Global City, Clark Freeport Zone,
Pampanga, 2023, Philippines
Mobile Nos.: +63 917 174-0149, +63 956 759-6256,
+63 928 348-1907
E-mail: markanthony_gabriel@pacificcross.com.ph,
kevin_ilagan@pacificcross.com.ph
DAVAO
2nd Floor, Left Wing, Door No. 6 Matina Town Square,
Mac Arthur Highway, Matina, Davao City
Tel. No.: +63 82 297-7314 Telefax: +63 82 297-7151
E-mail: davao@pacificcross.com.ph

We also have Agency Offices in:

Luzon: Cavite | Laguna | Manila | Naga | Palawan | Pampanga | Taguig
VisMin: Bacolod | Bohol | Butuan | Cagayan de Oro | Dumaguete | General Santos
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