Blue Royale — Premium Global Dollar Plan

Blue Royale is a premium, US Dollar-denominated medical insurance plan that offers one of the most comprehensive ranges of healthcare benefits available in the Philippines. Its greatest advantage is Complete Freedom of Choice — unlike standard HMOs that restrict you to local networks, Blue Royale allows you to select the best doctors, specialists, clinics, and hospitals anywhere in the world.

Blue Royale offers three elite tiers with an aggregate limit that refreshes each year: Plan A — up to $500,000; Plan B — up to $1,000,000; Plan C — up to $2,000,000.

Yes. If confined in the Philippines, the daily limit ranges from $300 (Plan A) up to $850 (Plan C). If confined overseas, the daily room limit is much higher — $1,000 (Plan A) up to $1,500 (Plan B & C).

Under Plan B and Plan C, the Surgeon's Fee, Anesthesiologist's Fee, and Attending Physician's visits are completely covered "As Charged." For Plan A, the Surgeon's Fee has a generous inner limit of up to $30,000, and the Anesthesiologist's fee is covered up to 50% of the Surgeon's fee.

Yes. Blue Royale features robust Out-Patient Care including consultations with general practitioners, specialists, and even alternative medicine practitioners (acupuncturists, herbalists). It also covers prescribed maintenance medicines, diagnostic X-rays, and lab tests.

Yes. Maternity Benefit is included in Plan B and Plan C (up to $5,000 per pregnancy). It covers pre-natal and post-natal care, normal delivery, surgical delivery, miscarriage, complications of pregnancy, and nursery care for the newborn up to 7 days. Subject to a 12-month waiting period for deliveries, and 90 days for miscarriages.

Yes. Starting on your second year, Plan B provides up to $600 and Plan C up to $700 for Out-Patient Executive Check-Ups and Vaccinations at any hospital or clinic.

Yes. Organ Transplants are covered for kidney, heart, liver, lungs, and bone marrow. Congenital Conditions and HIV/AIDS are covered up to specific lifetime limits after 5 years of continuous coverage. Bariatric Surgery is also covered after 5 years.

Plan C automatically includes Dental Benefits (up to $2,000/year) and Vision Benefits (80% up to $700/year). For Plans A and B, Dental can be added as an optional rider.

Blue Royale provides extensive overseas coverage for trips up to 90 days per trip, and up to 180 accumulated days abroad within your policy year. If you plan to exceed these limits, you must inform Pacific Cross in advance to pay additional premiums.

Blue Royale includes 24/7 Worldwide Emergency Assistance. If you suffer a covered illness or accident while traveling more than 100 miles from home, the assistance provider will arrange and pay for Emergency Medical Evacuation to the nearest appropriate facility, and Medical Repatriation back to your home country.

Yes. Travel+ benefits include: Flight/Baggage Delays — cash benefits if delayed more than 6 hours; Loss of Gadgets — up to $1,000 (Plan A) or $2,000 (Plan B/C); Trip Cancellation — up to $4,000 including acts of terrorism; Theft of Cash — up to $300.

Yes. Sean can apply two major discount strategies: (1) Treatment Area Limitation (TAL) — excluding the USA, Canada, Japan, China, Hong Kong, and Singapore gives a 25% premium discount while still covering you everywhere else. (2) Deductibles — $1,000 deductible gives 15% discount (Plan A only); $2,500 gives 30% (Plan A) or 18% (Plan B/C); $5,000 gives 40% (Plan A) or 24% (Plan B/C).

While Blue Royale pays your hospital bills, Critical Cover Extra provides a one-time, lump-sum cash payment of up to $50,000 upon the first diagnosis of a covered critical illness. This acts as income protection to compensate for loss of income during recovery.

Serious illnesses cause massive disruption to your life beyond hospital bills. This lump sum is designed to replace lost income — you can use it for home mortgage, private housekeeper, child care, or lifestyle adjustments while you recover.

It covers eight (8) major conditions: Life-Threatening Cancer, Multiple Sclerosis, Heart Attack, Benign Brain Tumor, Stroke, Coronary Artery By-Pass Surgery, Kidney/Renal Failure, and Major Organ Transplants.

New Blue Royale applicants aged 4 to 55 years old can add this rider. It is renewable until age 60. There is a 180-day qualifying period after the effective date before a diagnosed illness can be claimed.

Ages 4 to 18 (All Plans): $25,000 maximum. Ages 19 to 55 (Plan A): $25,000. Ages 19 to 55 (Plans B and C): $50,000 maximum.

No. Critical Cover Extra provides a one-time lump-sum payment upon the first diagnosis. Once paid out, the Critical Cover Extra coverage ends. Your core Blue Royale hospital benefits continue to remain active.

Premiums are age-banded. For example: Ages 19-25 — $31/year ($25k) or $60/year ($50k); Ages 36-40 — $149/year ($25k) or $297/year ($50k); Ages 51-55 — $582/year ($25k) or $1,163/year ($50k). Premiums may change subject to medical evaluation results.

Yes. You must submit an application form along with a Medical Examination Form filled out by a General Practitioner. The cost of required screening tests is covered by Pacific Cross via reimbursement after your premium is paid.

Blue Royale provides true lifelong coverage. You can enroll an infant as young as 15 days old up to a senior citizen who is 100 years old. The policy is guaranteed renewable up to age 100.

Ages 0 to 70 — medical exams are generally not mandatory but you may be randomly selected. Ages 71 to 100 — you are strictly required to undergo a physical exam using the specialized application form and Full Medical Examination Form. Sean will manage all of these forms for you.

You must declare all known health history. Declared pre-existing conditions may be covered immediately subject to underwriting. However, conditions like tumors, diabetes, hypertension, cardiovascular diseases, gallstones, asthma, and gout are always subject to a one-year waiting period.

Yes. Blue Royale covers biologically based mental illnesses and degenerative brain disorders, subject to inner limits up to a combined lifetime limit — $1,000 (Plan A) or $3,000 (Plans B and C).

Yes. In-Patient Bariatric Surgery (Gastric Bypass, Sleeve Gastrectomy, Adjustable Gastric Band, Biliopancreatic Diversion) is covered after 5 years of continuous coverage, subject to lifetime limits — $2,000 (Plan A), $3,000 (Plan B), $5,000 (Plan C).

Yes. If diagnosed as terminal (expected to live 6 months or less), Blue Royale covers pain management, services, and accommodation in a registered hospice facility, up to a $1,000 lifetime limit.

Yes. It includes Burial Expenses Benefit Due to Accident (up to $3,000). You can also attach an optional Personal Accident Benefit rider for up to $500,000 covering accidental death, dismemberment, and total/permanent disablement.

Yes. Blue Royale includes Sports Coverage for recreational sports, specifically including skiing and scuba diving. Injuries from contact sports are excluded.

Yes. Blue Royale covers specific vaccines and immunoglobulins (Antivenom, Rabies, Tetanus Post-Exposure Prophylaxis). There is also COVID-19 vaccine reimbursement (up to $110/year) within the Philippines or overseas.

No. Major out-patient procedures — Intravenous Chemotherapy, Radiotherapy, Hemodialysis, and Blood Transfusions — are covered under your surgical or maximum coverage limits without requiring overnight stay.

Yes. If the mother is Insured, her newborn receives free coverage from the 15th day of life until the mother's policy renewal date, subject to a 30-day qualifying period after application submission.

You have complete flexibility. In the Philippines, present your Pacific Cross Health Care Card at any accredited facility for no-cash-outlay treatment. For non-accredited doctors or overseas treatment, pay first and file for swift reimbursement.

Yes. If you choose Semi-Annual payment instead of Annual, an 8% surcharge and Documentary Stamp Tax (DST) will apply.

Yes. Permanent exclusions include cosmetic surgery, suicide or intentional self-inflicted injury, sexually transmitted diseases, contraceptive methods and infertility treatments, and confinement wholly for routine check-ups (unless claimed under the Executive Check-Up benefit).