Comprehensive health insurance that provides coverage for hospitalization and medical expenses, giving you peace of mind when you need it most.
With Medical Secure, you can focus on recovery while we take care of the financial burden of medical treatments.
Covers hospital confinement, including before and after care, emergency treatments, and select special procedures, anywhere in the Philippines.
Get high medical coverage with Annual Benefit Limits (ABL) from Php 1M to Php 5M.
Get extensive health protection and life insurance for as low as Php 60* a day.
Enjoy free annual check-ups and 24/7 telemedicine benefits.
In the event of death, your family will receive cash assistance equivalent to 10% of your Annual Benefit Limit.
Get protection and coverage until age 75 as long as your premiums are paid on time.
Access the nationwide accredited providers of ValuCare, our Medical Network Provider, for cashless convenience plus reimbursement options for non-accredited providers.
Access your digital card, request LOAs, schedule annual check-ups, file for reimbursements, and track your remaining coverage limit, all in one place.
Simply present your digital card and Letter of Authorization at accredited clinics and hospitals, without having to pay out-of-pocket.
Medical Secure provides comprehensive coverage for various medical expenses. Below are the key benefits included in the plan:
| Benefit | Coverage | Details |
|---|---|---|
| Hospital Room and Board | Up to plan limit | Daily room accommodation charges in an accredited hospital |
| Surgical Fees | Up to plan limit | Surgeon's professional fees for necessary surgical procedures |
| Medical Practitioner Fees | Up to plan limit | Fees for attending physicians and specialists |
| Hospital Services | Up to plan limit | Laboratory tests, X-rays, and other diagnostic procedures |
| Emergency Treatment | Up to plan limit | Coverage for emergency treatment nationwide |
| Pre- and Post-Hospitalization | 60 days | Coverage for medical expenses before and after confinement |
Medical Secure offers different plan options to suit various needs and budgets. Compare the features below:
| Feature | ₱1 Million | ₱2.5 Million | ₱5 Million |
|---|---|---|---|
| Annual Benefit Limit (ABL) | ₱1,000,000 | ₱2,500,000 | ₱5,000,000 |
| Room & Board (Private Room) | Regular Private – up to ₱5,000/day | Large Private – up to ₱7,500/day | Large Private – up to ₱15,000/day |
| In‑patient Care (Surgery, ICU, ER) | Covered as charged, up to your ABL | Covered as charged, up to your ABL | Covered as charged, up to your ABL |
| Outpatient Care (Pre/Post Hosp) | 60 days pre & post hospitalization, as charged | 60 days pre & post hospitalization, as charged | 60 days pre & post hospitalization, as charged |
| Emergency Treatment | Covered as charged (inpatient/outpatient) | Covered as charged | Covered as charged |
| Life Insurance Benefit | ₱100,000 (10% of ABL) | ₱250,000 (10% of ABL) | ₱500,000 (10% of ABL) |
| Annual Physical Exam | ✅ Included | ✅ Included | ✅ Included |
| 24/7 Telemedicine | ✅ Included | ✅ Included | ✅ Included |
| Pre‑existing Condition Waiting Period | 12 months continuous coverage required | ||
Filipino citizens and legal foreign residents (with a valid ACR I-Card), aged 18 to 65 years old, can apply for Medical Secure.
Medical Secure offers three coverage levels:
Each plan includes private room accommodation, as-charged hospitalization coverage, annual physical exams, and telemedicine access.
"As charged" means the policy covers actual eligible medical costs, subject to your annual benefit limit and any deductible.
Yes.
Yes. Medical Secure is designed to complement your PhilHealth or HMO. After your HMO or PhilHealth has paid its share, MS covers the remaining eligible expenses—once your deductible is met.
A deductible is the amount you must pay first—either out-of-pocket or through PhilHealth/HMO—before MS starts paying benefits. For example, if your deductible is ₱150,000, MS coverage begins only after that amount is reached.
Yes. If you go to an accredited hospital and request a Letter of Authority (LOA) beforehand, you can enjoy cashless services. For non-accredited hospitals, reimbursement applies.
The LOA confirms that your medical service is covered and serves as proof of payment for the healthcare provider. It allows you to avail of benefits without paying upfront in accredited hospitals.
Yes, but only if they are related to a covered hospitalization (within 60 days before or after admission), or in the case of emergency treatment due to accidents. Routine outpatient consultations are not covered unless included in the annual physical exam benefit.
Yes. You are entitled to a full refund if you cancel the policy within 30 days of receiving it, as long as you have not made any claims or requested an LOA.
Yes. The plan includes a life insurance benefit equal to 10% of your annual benefit limit. This is paid out to your beneficiaries in case of death.
Yes. All plan levels include one free annual physical exam and access to 24/7 telemedicine consultations.
Medical Secure provides the comprehensive coverage you need to protect yourself and your loved ones from unexpected medical expenses. Get in touch today to find the perfect plan for your needs.
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