Select — Comprehensive Local Peso Plan

Select is a comprehensive, peso-denominated primary health plan that offers maximum coverage limits up to ₱5,000,000. Its biggest advantage is absolute freedom of choice. You can enjoy "no-cash-outlay" medical treatment at any of Pacific Cross's accredited hospitals, or you can choose to visit your own non-accredited personal doctor or hospital and simply file for swift reimbursement.

This dictates how your maximum limit is applied. Select Plus (Annual Aggregate Limit) — your maximum coverage limit (e.g., ₱5,000,000) is shared across all illnesses, but it entirely refreshes every single year upon renewal. Select Standard (Per Disability Per Lifetime) — your maximum coverage limit is dedicated to each specific disability or illness per lifetime.

Your maximum coverage limit is directly tied to the Room & Board accommodation tier you select. Ward — up to ₱1,000,000; Semi-Private — up to ₱1,500,000; Private 2M — up to ₱2,000,000; Private 3M — up to ₱3,000,000; Private 5M — up to ₱5,000,000.

The Select plan provides generous coverage for critical hospital services. Room and Board, Miscellaneous Hospital Expenses, the Intensive Care Unit (ICU), and the Operating Theater are all covered "As Charged" up to your plan's maximum coverage limit.

They are covered up to generous inner limits. For example, under the Private 5M tier: Attending Physician's Visit up to ₱5,000 per day, Specialist's Fee up to ₱5,000 per day (for up to 15 days per disability, per year), Surgeon's Fee up to ₱360,000 per disability per year, and Anesthesiologist's Fee up to ₱180,000.

The core Select plan is primarily for In-Patient hospitalizations and emergencies. However, you can add an Optional Out-Patient Benefit rider. You can choose between a Standard (₱25,000 limit) or Executive (₱50,000 limit) tier. This rider reimburses 80% of your eligible costs for doctor consultations, prescribed medicines, lab tests, X-rays, and pre/post-natal consultations.

Yes. You can attach an Optional Dental Benefit (up to a ₱10,000 annual limit). This pays 80% of eligible costs via reimbursement for routine oral exams, prophylaxis twice a year, X-rays, fillings, and extractions.

Yes. The Select plan includes a no-cash-outlay APE at accredited Pacific Cross providers. This covers taking of medical history, comprehensive physical exam, CBC, chest X-ray, urinalysis, fasting blood sugar (FBS), and specialized tests like ECG and Pap smear for clients 35 years old and above.

Yes, it features a built-in Mental Health Care Benefit covering consultations and counselling for anxiety, depression, grief, stress management, insomnia, and trauma-related disorders. You can reimburse up to ₱1,000 per visit (max 3 visits/year) with a psychiatrist/psychologist, and up to ₱600 per session (max 3 sessions/year) for counselling therapy. Substance abuse and behavioral addictions are excluded.

Yes, under the Free Child Coverage benefit, if a mother is an Insured under the policy, her newborn infant will receive free coverage from their 15th day of life up until the mother's policy renewal date.

Yes, but they are subject to a waiting period. Auto-immune conditions are covered after five (5) years of continuous coverage under the Select plan, up to a combined lifetime limit of ₱300,000 (for Private 2M to 5M tiers).

Yes. The Select plan includes Emergency Overseas Coverage for up to 30 days per trip. It reimburses emergency medical expenses up to your maximum limit, subject to inner limits based on standard Philippine tertiary hospital rates.

Your core Select plan automatically includes financial protection against travel inconveniences for trips up to 30 days: Flight/Baggage Delay — cash benefits if delayed for more than 6 hours; Trip Cancellation/Termination — up to ₱40,000 reimbursement for non-refundable fares; Loss of Gadgets — up to ₱10,000; Loss of Baggage/Personal Effects — up to ₱15,000.

Emergency local ambulance service is covered "As Charged." If an accredited land transportation facility is not available, you can use other means and reimburse up to ₱15,000 per disability.

Yes! Sean can help you apply specific discounts: (1) The 80/20 Co-Payment Discount — if you agree to pay 20% of your eligible medical bills out-of-pocket, Pacific Cross will give you a 25% discount on your core benefits premium. (2) Group Discounts — enrolling 7 to 15 people gives a 5% discount, and 16 or more members gives a 10% discount.

You can pay your premium Annually or Semi-Annually. If you choose Semi-Annual, an 8% surcharge and Documentary Stamp Tax will apply.

The Select plan provides lifelong coverage. You can apply from infancy and the contract is guaranteed renewable up to age 100.

It depends on your age. Ages 71 to 100 — you are strictly required to undergo a physical exam and specific medical tests. Ages 0 to 70 — medical exams are generally not mandatory, but you may be subject to random selection for testing.

You must declare all known health history on your application. Certain conditions are always considered pre-existing (tumors, diabetes, hypertension, cardiovascular diseases, gallstones, thyroid disorders, asthma, gout). These will only be covered after a one-year waiting period, unless specifically accepted earlier via an Endorsement.

ICU, Coronary Care Unit, and Telemetry are covered "As Charged" under the Select Plan, with a maximum limit of 10 days per disability, per year.

Artificial Limbs are covered "As Charged" (including rental of mechanical devices approved by Pacific Cross), but excludes implantable devices. Medical Implants for accidents are covered up to ₱25,000 per disability, per year.

Yes. The plan covers a Private Duty Nurse at your home for a maximum of 5 days immediately after hospitalization, certified as medically necessary. Daily reimbursement ranges from ₱1,200 (Ward) up to ₱3,600 (Private tiers).

No. Major procedures done on an out-patient basis — such as Intravenous Chemotherapy, Radiotherapy, Hemodialysis, Blood Transfusions, and Cataract Extractions — are covered under your core In-Patient/Surgical benefits up to your maximum limit.

Yes, the Select plan includes a Companion Allowance — a daily cash allowance of ₱100 to ₱300 per day (depending on your room tier) for your companion, for up to 10 days per policy year.

If you need a scheduled (non-emergency) surgery, you can give Pacific Cross a 10-day prior notice. Using an accredited network, Pacific Cross will arrange no-cash-outlay direct settlement of your confinement and treatment.

Yes. The Select plan provides a reimbursement of up to ₱3,500 per year for COVID-19 vaccine acquisition and administration availed within the Philippines.

The Travel+ benefits cover trips up to 30 days and include: Missed Connecting Flights, Strikes or Hijacks (daily allowance up to 10 days), Theft of Cash (up to ₱1,000), Alternative Transportation (up to ₱4,000), and Business Staff Replacement (up to ₱20,000 for hospitalized business travelers).

Yes. It provides up to ₱40,000 for the non-refundable portion of travel fares and accommodations if your trip is cancelled or terminated, including instances due to sudden acts of terrorism.

No. Childbirth, any form of delivery, miscarriage, abortion, and pre/post-natal care are permanently excluded from the core Select plan. If you purchase the Optional Out-Patient Rider, you can reimburse pre-natal and post-natal consultations, but laboratory tests and medications remain excluded.

No. Congenital conditions, birth defects, and abnormalities are permanently excluded under the Select plan.

Even though you are applying for the local Select plan, applicants aged 71 to 100 must specifically answer the "Blue Royale Medical Application Form For 71 to 100 Years Old" and complete a "Full Medical Examination Form," which must be facilitated by a medical examiner. Sean will provide these exact forms to you.