Frequently Asked Questions
ALLCARE is a benefits aggregator offering a membership program for small businesses, freelance groups, and organizations. We provide our members an affordable and holistic worker benefits that they would normally not have access to due to their limited headcount, or nature of business that limits their application for HMO and benefits.
ALLCARE is NOT an HMO provider. We are a benefits aggregator offering affordable and relevant worker benefits (including HMO, life insurance, mental health counseling, wellness perks) to SMEs and freelancers nationwide.
We offer the ALLCARE SME Benefits Package where members can enjoy full access to benefits through our platform and have dedicated member care support to help with emergent benefits requests.
Check our updated price list here.
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.
Our current partner provider has one of the largest networks of medical practitioners, hospitals and clinics around the country with over 1,600 accredited hospitals and clinics, and 50,000+ doctors and specialists.
Our dental benefits partner, Health Partners Dental Access, Inc., has an affiliate of more than 600 competent dentists nationwide.
Our dental benefits partner, Health Partners Dental Access, Inc., has an affiliate of more than 600 competent dentists nationwide.
See partner clinics, facilities, and professionals here.
PRICE AND PAYMENT TERMS
Check our updated price list here.
Yes, you may choose one of the following flexible terms for the benefits package: annual, semi-annual, or quarterly payment.
REQUIREMENTS
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.
HMO COVERAGE
Our HMO benefits under our SME package ranges from ₱50K to ₱250K Maximum Benefit Limit (MBL). This means that each member has the total MBL value to utilize per illness per year for medically necessary check ups, laboratories, outpatient procedures, and even confinement in a small private room.
Yes, the MBL value has coverage 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 and limitations list.
Yes, pre-existing conditions are covered up to ₱30,000 in the first year of their membership. Renewing members can enjoy the full Maximum Benefit Limit. Up-to-MBL PEC rates on first year are now available! Kindly sign up so we can discuss your options.
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 and other employee benefits. For members without PhilHealth, they still need to pay for the cost that shall be shouldered by Philhealth.
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 and MyBenefits App.
Yes, the member just needs to secure a written diagnosis or valid referral from their physician.
Yes. It is covered by your annual benefit limit as long as it is medically necessary.
OTHER BENEFITS
Life insurance coverage to serve as financial assistance for his designated beneficiaries as a result of the insured’s passing:
- Life Insurance – due to natural causes PHP 50,000
- Life Insurance – due to accident PHP 100,000
Yes, our dental benefit is provided for by Health Partners Dental Access Inc. which includes dental cleaning, consultations, simple dentures adjustment among others.
