KwikCare HMO

KwikCare HMO is a monthly healthcare subscription via GInsure on GCash. It offers inpatient, outpatient, laboratory, and emergency services through a nationwide network of accredited providers with no long-term commitment.

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Eligibility

You are eligible for a KwikCare HMO plan if you meet the criteria below.

Principal Member

  • Filipino citizen and Fully Verified GCash user
  • 18–60 years old (renewable up to 65 years old)

Dependents

  • Spouse & Parents: 18–60 years old (renewable up to 65)
  • Children & Siblings: 30 days–21 years old

Enrollment timelines

  • Dependents: within 30 days from the principal member’s coverage start date
  • Newly married spouse: within 30 days from date of marriage
  • Newborn child: within 60 days from date of birth

Coverage

KwikCare HMO covers:

  • Inpatient care – Necessary hospital confinement
  • Outpatient care – Clinic consultations and procedures
  • Laboratory & diagnostics – Medically required tests
  • Emergency services – Emergency and accidental cases
  • Pre-existing conditions – Covered per plan rules and waiting periods

Coverage is based on a Maximum Benefit Limit (MBL) per illness per year (including related complications).

Coverage details and waiting period

Coverage start

  • Coverage begins 24 hours after purchase

Waiting period

  • There is a 15-day waiting period
  • During this time, only emergency accidental cases (e.g., vehicular accidents, acts of nature, injuries from falling objects, drowning, burns, with proper reports) are covered
  • After 15 days, other covered conditions follow your plan’s standard coverage and limits

Pre-existing conditions

  • Consultations and emergency cases for pre-existing conditions are covered after 15 days
  • Inpatient, outpatient procedures, and lab tests for pre-existing conditions are covered up to 50% of your MBL after 6 months of continuous payment
  • Some pre-existing conditions may not be eligible, and premiums may change based on declared conditions

Plans and premiums

KwikCare offers these plan options with different coverage limits and starting monthly premiums:

Plan Maximum Benefit Limit (MBL)* per illness per year Starting monthly premium
Starter PHP50,000 PHP995
Standard PHP100,000 PHP1,250
Max PHP150,000 PHP1,495
Optima PHP250,000 PHP2,495
Ultra PHP350,000 PHP2,995

*The Maximum Benefit Limit (MBL) is per illness annually and resets upon renewal. Once exhausted, further expenses for that illness are not covered until the next year.

How to subscribe via GInsure

You can subscribe to KwikCare through GInsure:

  1. Open your GCash app > GInsure > HMO > KwikCare
  2. Choose your plan type
  3. Fill in the required details for you and any dependents
  4. Review and confirm payment via GCash

You’ll receive an email confirmation with your HMO membership details.

Documents and requirements

  • Principal member: complete the in-app form (no extra documents)
  • Dependents: may need a valid government ID showing the dependent’s date of birth

Benefits availment and Amaphil app

KwikCare works with Amaphil as its healthcare network and app platform.

Where you can use KwikCare

You can use your benefits at Amaphil-accredited:

  • Hospitals
  • Clinics
  • Doctors and other healthcare providers nationwide

The network has 2,000+ hospitals/clinics and about 53,000 doctors.

Check the updated list on the Amaphil website or by contacting KwikCare Support.

Amaphil app

The Amaphil App lets you:

  • Request and track your LOA
  • Use 24/7 teleconsultation
  • See accredited hospitals, clinics, and doctors
  • View your coverage, limits, and usage
  • Reach 24/7 customer support

Your login details are sent to your registered email and mobile number after enrollment.

Letter of Authorization (LOA)

You usually need an LOA to use your KwikCare benefits.

Request an LOA via:

  • Amaphil app
  • Email: support@kwik.care
  • Call/text: 0928 503 9139 / 0928 519 2836
  • Concierge/HMO desk at the facility

For outpatient care, request an LOA before visiting.

For inpatient care, elective cases may get an LOA before confinement; emergencies may be treated first, with LOA/verification after stabilization, subject to coverage and accreditation.

Non-accredited providers and emergencies

  • You should use accredited providers whenever possible.
  • In an emergency with no accredited facility within 50 km, treatment at a non-accredited hospital may be reimbursed, subject to coverage and limits.

During emergencies

At the emergency room:

  • Open the Amaphil App and show your member ID
  • Tell the staff you are covered by Amaphil so they can coordinate directly
  • You may also tap the app’s Emergency button to request help and wait for a callback

Policy management and billing

Viewing and managing your plan

View and manage your plan in your GCash app under My GInsure

For corrections or updates, contact KwikCare Support:

Monthly subscription and auto-debit

  • KwikCare is a monthly subscription with no lock-in
  • Coverage continues as long as payments are successfully auto-debited from your GCash wallet

Payment attempts and suspension

  • If auto-debit fails (e.g., low balance), you may get a notification and your plan may be temporarily suspended
  • Auto-debit may be retried; if still unpaid, the plan can stay suspended and may require manual assistance or re-purchase
  • Within the allowed period, you may reinstate your plan by paying the lapsed premium(s), subject to waiting periods and plan rules

Upgrading or downgrading plans

You may upgrade or downgrade your plan (e.g., at renewal) by emailing support@kwik.care or calling the KwikCare hotlines.

Cancellation and refunds

Free-look period

  • You may cancel within 7 days of purchase for a full refund, as long as no claims/availments have been made.
  • Request via KwikCare Support.
  • Refunds are processed within standard SLA timelines (subject to validation).

Cancellation after the free-look period

  • You may cancel your plan at least 5 days before your next monthly due date.
  • Email support@kwik.care or call the KwikCare hotlines.

Contact KwikCare

For any questions about your KwikCare plan, coverage, LOA, or troubleshooting, you may reach KwikCare Customer Support through:

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