KwikCare HMO
Ang KwikCare HMO ay isang monthly healthcare subscription via GInsure sa GCash. Nag-aalok ito ng inpatient, outpatient, laboratory, at emergency services sa pamamagitan ng nationwide network ng accredited providers, at walang long-term commitment.
Jump to:
- Eligibility
- Coverage
- Plans and premiums
- How to subscribe via GInsure
- Benefits availment and Amaphil app
- Policy management and billing
- Cancellation and refunds
Eligibility
Eligible ka sa KwikCare HMO plan kung pasok ka sa criteria sa ibaba.
Principal Member
- Filipino citizen at Fully Verified GCash user
- 18–60 years old
- Renewable hanggang 65 years old
Dependents
- Spouse & Parents: 18–60 years old (renewable hanggang 65)
- Children & Siblings: 30 days–21 years old
Enrollment timelines
- Dependents: within 30 days mula sa coverage start date ng principal member
- Newly married spouse: within 30 days mula sa date of marriage
- Newborn child: within 60 days mula sa date of birth
Coverage
Sakop ng KwikCare HMO ang mga sumusunod:
- Inpatient care – Kailanganing hospital confinement
- Outpatient care – Clinic consultations at procedures
- Laboratory & diagnostics – Medically required tests
- Emergency services – Emergency at accidental cases
- Pre-existing conditions – Covered ayon sa plan rules at waiting periods
Ang coverage ay naka-base sa Maximum Benefit Limit (MBL) per illness per year, kasama ang related complications.
Coverage details at waiting period
Coverage start
Magsisimula ang coverage 24 hours after purchase.
Waiting period
- May 15-day waiting period
- Sa panahong ito, emergency accidental cases lang ang covered (hal., vehicular accidents, acts of nature, injuries from falling objects, drowning, burns, with proper reports)
- After 15 days, ang ibang covered conditions ay susunod na sa standard coverage at limits ng plan mo
Pre-existing conditions
- Ang consultations at emergency cases para sa pre-existing conditions ay covered after 15 days
- Ang inpatient, outpatient procedures, at lab tests para sa pre-existing conditions ay covered up to 50% of your MBL after 6 months of continuous payment
- Ang ilang pre-existing conditions ay maaaring hindi eligible, at puwedeng magbago ang premiums base sa declared conditions
Plans and premiums
Narito ang available plan options ng KwikCare, kasama ang coverage limits at 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 |
*Ang Maximum Benefit Limit (MBL) ay per illness annually at nagre-reset upon renewal. Kapag naubos na ito, hindi na covered ang additional expenses para sa parehong illness hanggang next year.
How to subscribe via GInsure
Pwede kang mag-subscribe sa KwikCare sa pamamagitan ng GInsure:
- Buksan ang GCash app
- Pumunta sa GInsure
- Piliin ang HMO
- Piliin ang KwikCare
- Piliin ang gusto mong plan type
- Fill out ang required details para sa iyo at sa dependents mo
- I-review at i-confirm ang payment via GCash
Makakatanggap ka ng email confirmation kasama ang HMO membership details mo.
Documents and requirements
- Principal member: Complete lang ang in-app form, walang extra documents
- Dependents: Maaaring hingan ng valid government ID na may date of birth
Benefits availment and Amaphil app
Ang KwikCare ay nakikipag-work sa Amaphil bilang healthcare network at app platform nito.
Saan pwedeng gamitin ang KwikCare
Puwede mong gamitin ang benefits mo sa Amaphil-accredited:
- Hospitals
- Clinics
- Doctors at iba pang healthcare providers nationwide
May network ito na 2,000+ hospitals/clinics at humigit-kumulang 53,000 doctors.
Pwede mong i-check ang updated list sa Amaphil website o sa pamamagitan ng pag-contact sa KwikCare Support.
Amaphil app
Sa Amaphil App, puwede kang:
- Mag-request at mag-track ng LOA
- Gumamit ng 24/7 teleconsultation
- Makita ang accredited hospitals, clinics, at doctors
- I-view ang coverage, limits, at usage mo
- Maka-reach ng 24/7 customer support
Ipapadala ang iyong login details sa registered email at mobile number mo after enrollment.
Letter of Authorization (LOA)
Kadalasan, kailangan mo ng LOA para magamit ang KwikCare benefits mo.
Pwede kang mag-request ng LOA via:
- Amaphil app
- Email: support@kwik.care
- Call/Text: 0928 503 9139 / 0928 519 2836
- Concierge/HMO desk sa facility
Para sa outpatient care, mag-request ng LOA before visiting.
Para sa inpatient care, ang elective cases ay maaaring makakuha ng LOA bago ang confinement; ang emergencies ay maaaring gamutin muna, with LOA/verification after stabilization, subject to coverage and accreditation.
Non-accredited providers and emergencies
- Dapat kang gumamit ng accredited providers whenever possible.
- Sa isang emergency na walang accredited facility within 50 km, ang treatment sa isang non-accredited hospital ay maaaring ma-reimburse, subject to coverage and limits.
During emergencies
Sa emergency room:
- Buksan ang Amaphil App at ipakita ang member ID mo
- Sabihin sa staff na covered ka ng Amaphil para makapag-coordinate sila directly
- Pwede mo ring i-tap ang Emergency button ng app para humingi ng tulong at maghintay ng callback
Policy management and billing
Viewing and managing your plan
Pwede mong i-view at i-manage ang plan mo sa GCash app > My GInsure.
Para sa corrections o updates, i-contact ang KwikCare Support:
- Email: support@kwik.care
- Call/Text: 0928 503 9139 / 0928 519 2836
Monthly subscription and auto-debit
- Ang KwikCare ay isang monthly subscription na walang lock-in
- Tuloy-tuloy ang coverage basta ang payments ay successfully auto-debited mula sa GCash wallet mo
Payment attempts and suspension
- Kung mag-fail ang auto-debit (hal., low balance), maaari kang makatanggap ng notification at ang plan mo ay maaaring temporarily suspended
- Maaaring subukan muli ang auto-debit; kung hindi pa rin mabayaran, puwedeng manatiling suspended ang plan at maaaring kailanganin ng manual assistance or re-purchase
- Within the allowed period, puwede mong i-reinstate ang plan mo sa pagbayad ng lapsed premium(s), subject sa waiting periods at plan rules
Upgrading or downgrading plans
Pwede kang mag-upgrade o mag-downgrade ng plan (hal., sa renewal) by emailing support@kwik.care o pagtawag sa KwikCare hotlines.
Cancellation and refunds
Free-look period
- Pwede mong i-cancel ang plan within 7 days from purchase para sa full refund, basta walang claims o availments na nagamit.
- Mag-request sa pamamagitan ng KwikCare Support.
- Ang refunds ay ipo-process within standard SLA timelines, subject to validation.
Cancellation after the free-look period
- Pwede mong i-cancel ang plan mo at least 5 days bago ang next monthly due date.
- Mag-email sa support@kwik.care o tumawag sa KwikCare hotlines.
Contact KwikCare
Para sa anumang tanong tungkol sa iyong KwikCare plan, coverage, LOA, o troubleshooting, puwede mong kontakin ang KwikCare Customer Support sa mga sumusunod:
- Live Chat Support: via the KwikCare website
- Email: support@kwik.care
- Hotlines for Customer Assistance: 0928 503 9139 / 0928 519 2836
- Hotlines for Plan Inquiries: 0928 503 8036
- Hotlines for Billing: 0908 813 1278
- Social media: Follow @kwikcareph on Facebook and Instagram