Frequently Asked Questions

ALLCARE is a membership program targeted towards freelancers or self-employed individuals where members get access to worker benefits like health and wellness, productivity, transportation and others, that they would normally not have access to because of the nature of freelance and the very high price that other providers offer it for.
ALLCARE is NOT an HMO provider. We give SMEs and freelancers access to affordable and relevant worker benefits (such as HMO, life insurance, mental health counseling, wellness and productivity perks, and more).

For our SME package, our HMO partner is Etiqa.
For small businesses, we have the ALLCARE SME Benefits Package. For individuals, the ALLCARE Prepaid Bundles offer three packages as options.
At the moment, we don’t have a group benefits plan yet for non-SMEs. You may want to consider our prepaid bundles for you and your loved ones. Check more details and order at
For the ALLCARE SME Benefits Package, we offer a standard rate for teams and businesses at P15,000 per member per year minimum of 3 employees per team or per business. We don’t discriminate based on the size of the company as we want to cater to startups and budding micro businesses.

For the ALLCARE Prepaid Bundles, we offer three options that would fit your budget and coverage requirements: P 5,999/year (Lite), P 8,999/year (Optima), and P 13,999/year (Complete).
Using data, analytics and industry research, we were able to identify the needs of the freelancers and the best packages that each member will be able to maximize and get the best value for their hard earned money. We work with different partners to ensure that we come up with the best combination of benefits for the market.
The benefits included in our membership program will only get better. We will continue to add products and services that will enhance the quality of life and uplift the working conditions for our workers. The more members join ALLCARE, the more benefits we can provide to the membership base.
Etiqa has one of the largest networks of medical practitioners, hospitals and clinics around the country with over 1,600 accredited hospitals and clinics, and 30,000 doctors and specialists.

Our dental benefits partner, Health Partners Dental Access, Inc., has an affiliate of more than 600 competent dentists nationwide.

Our APE partner, Hi-Precision, has 63 diagnostic centers in key cities and municipalities.
For the SME package, here are the Etiqa-accredited doctors and hospitals:

For our individual bundles, our affiliate emergency healthcare provider is Maxicare, which locations can be found here.
To avail of ALLCARE, sign up at, read the eligibility terms, provide the requirements, and pay. ALLCARE memberships are activated within 1 - 2 weeks from confirmation.


We offer a standard rate for teams and businesses at P15,000 per member per year minimum of 3 employees per team or per business. We don’t discriminate based on the size of the company as we want to cater to startups and budding micro businesses.
The P 15,000 annual membership fee will give every member a basic HMO (P 100,000 Annual Benefit Limit) plan, life and accident insurance (up to P 100,000), mental health, dental, and optical benefits, productivity perks, gym discounts, and more!
Yes, you may choose one of the following flexible terms for the benefits package, either with an annual or semi-annual payment.


Yes, definitely! The ALLCARE for SMEs package is designed for startups and MSMEs who have never gotten a chance to provide important benefits for its employees. ALLCARE is the best product to start getting your people cared for.
Yes, groups under foreign companies can still avail ALLCARE for SMEs program. We just have to secure a certification from the foreign company stating the need for the benefits of all their employees here in the Philippines.
Yes. Employees have an option to enroll their dependents following the hierarchy.


Our HMO benefit under the ALLCARE for SMEs program is 100K Annual Benefit Limit. This means that each member has 100K to utilize for medically necessary check ups, laboratories, outpatient procedures, and even confinement in a small private room.
No, the Php 100,000 is the annual benefit limit combined for any type of disease or any type of service and care that the member will need provided it is not part of the exclusions list. Instead of coming up with an amount per disease where there is a limited number of diseases, our benefit limit can be used for any type of disease including pre-existing and congenital diseases.
All medical conditions are covered including pre-existing and congenital diseases. The standard exclusions are maternity, ligation, circumcision, etc. and any aesthetic procedure that is not prescribed by an accredited physician.
Yes, ALLCARE will pay the portion on top of PhilHealth. When availing of major procedures or confinement, the member must ensure to process their PhilHealth first to avoid any cashout in the billing. If there is no PhilHealth processed, the member will shoulder the PhilHealth part and ALLCARE will settle the balance up to the benefit limit.
Yes, with or without Philhealth, the member may still use and enjoy their HMO coverage.
Yes. Members will receive their ALLCARE Kit once their accounts have been activated.
You can still use your benefits when you log in to your MyBenefits Dashboard.
Yes, the member just needs to secure a written diagnosis or valid referral from their physician.
Outpatient medications are not covered but medications given during confinement are covered.
Yes. It is covered by your annual benefit limit as long as it is medically necessary.


Our Life and Accident insurance, in partnership with Etiqa, covers accidental death and death by illnesses given certain conditions and terms. Suicide and any intentional harm that results to death is not covered.
Yes, the CBTL Swirl card can be transferred. However, if there are other perks given to members via the Swirl Card, the member will not be able to enjoy the perks that were supposed to be for them.
Yes, our dental benefit is provided for by Health Partners Dental Access Inc. which includes dental cleaning, consultations, simple dentures adjustment among others.