Terms and Conditions

Terms and Conditions

When you access our internet web site you agree to these Terms and Conditions.



Welcome to PhilCare’s website and online services (“PhilCare Site” or the “Site”), an online information and communications service provided by PhilCare (“PhilCare” or “We” or “Us”). This policy is intended to cover the uses for all of the Site, although additional conditions, restrictions and privacy policies may apply.


Health Care Disclaimer

The content, products and services offered herein are here to educate consumers on health care and medical issues that may affect their daily lives. Nothing in the content, products or services should be considered, or used as a substitute for, medical advice, diagnosis or treatment. This site and its services do not constitute the practice of any medical, nursing or other professional health care advice, diagnosis or treatment. You should always talk to your health care provider for diagnosis and treatment, including your specific medical needs. None of the products or services offered through this website represents or warrants that any particular service or product is safe, appropriate or effective for you. We advise users to always seek the advice of a physician or other qualified health care provider with any questions regarding personal health or medical conditions. If you have or suspect that you have a medical problem or condition, please contact a qualified health care professional immediately.


Terms of Use

Use of the Site is subject to the following terms of use. PhilCare may modify these terms and conditions at any time, and such modifications shall be effective immediately upon posting the modified terms and conditions on the PhilCare Site. You agree to review the agreement periodically to be aware of such modifications, and your accessing or using the service constitutes your acceptance of the agreement as it appears at the time of your access or use. From time to time, PhilCare may offer website visitors the opportunity to participate in additional features or services through the PhilCare Site. You may be required to enter into additional agreements or authorizations before you can access such features or services.


Intended for Users 18 and Older

The Site is intended for use by individuals 18 years of age or older. This website is not directed for use by children under the age of 18. Users under the age of 18 should get the assistance of a parent or guardian to use this site.

You agree that you will not:


Order Limitations

PhilCare may, in its sole discretion, terminate your account or your use of the Site at any time. You are personally liable for any orders that you place or charges that you incur prior to termination.


PhilCare reserves the right to change, suspend or discontinue all or any aspects of the Site at any time without prior notice.


Social Networking Media

Your use of social networking media, including but not limited to participation in or use of blogs, threaded discussions, message boards and wikis (“Social Media”)gives PhilCare the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from and otherwise use your submission for any purpose, in any form, and on any media. Your use of social networking media is conditioned upon your compliance with the following conditions.

  1. Do not post or transmit any unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar, pornographic, profane or indecent information. This includes, without limitation, any transmissions that are or that encourage illegal conduct. This ban includes anything that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, national or international law.
  2. Never post or transmit comments containing harassing or offensive language, defamatory, harassing, abusive, slanderous, hateful or embarrassing to any other person or entity, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments, as determined by PhilCare in its sole discretion.
  3. Do not engage in disruptive activity online, including excessive use of scripts, sound waves or spamming or scrolling (repeating the same message over and over).
  4. Do not post or transmit any information, software or other material that violates or infringes the rights of others. This prohibition includes material that constitutes an invasion of privacy or publicity rights permission from the owner.
  5. Never post or transmit any information, software or other material that contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties.
  6. Do not post any advertisements of solicitation for business, information, software or other material for commercial purposes.
  7. Do not solicit other users to join or contribute money to any online service or other organization, or advocate or attempt to persuade users to join in legal or illegal schemes.
  8. Do not allow another person to use your credentials for posting or viewing comments.
  9. Never pretend to be any other person or entity including but not limited to a spouse, child, sibling, parent or any other relative. Site users also may not falsely represent their professional or other affiliation with any person or entity.
  10. Do not use the Service to collect personally identifiable information in violation of the policies contained in the Cigna Privacy Information.
  11. Do not post chain letters or pyramid schemes


You agree that PhilCare, at our sole and absolute discretion, determines whether any information transmitted or received violates these provisions.


PhilCare reserves the right (but is not obligated) to do any or all of the following:


You also agree to indemnify and hold PhilCare and our employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys’ fees, made by a third party arising from any information or material you contribute to the Social Media you access via the Service.


PhilCare has no obligation to monitor Social Media. But we reserve the right to monitor any and all information transmitted or received through the Service. PhilCare may examine, record, copy and use any information on the Service in accordance with the PhilCare Privacy Information. We reserve the right, in our sole and absolute discretion to remove any information or materials, in whole or in part, from Social Media.


When using the Site or Social Media, please be certain that anything you disclose does not compromise your personal safety. Please don’t provide your name, phone number, social security number or any other personally identifying information to people you do not know. Don’t continue any conversation online that makes you feel uncomfortable. Protect your safety and privacy.


Web-Enabled Mobile or Handheld Devices

Certain web and smartphone applications of the Site have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Site on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. The Site should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.


If your mobile device uses Global Positioning System (GPS) technology, trackers, or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the Service that uses such information. While using the Site, if you allow your location information to be obtained, we will use this information solely to return your estimated location and to provide you with more personalized results and/or services. PhilCare does not monitor your GPS tracking or location information, and does not save this information. We will not use this information to identify you or disclose this information to any third parties.


By using the Site, you expressly agree and acknowledge that PhilCare shall not responsible for any of the following: (a) performance limitations and/or failures experienced in connection with any wireless or Wi-Fi service used to access the Site; (b) data transmitted through wireless access that may be intercepted by unauthorized persons; or (3) your failure to physically secure and/or monitor your personal computer, laptop or wireless device or to protect your passwords, resulting in unauthorized access to the Site and/or your PhilCare account or plan information.


While using any web-enabled mobile or handheld device to use the Site, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that the use of any mobile or handheld device is at your sole risk and shall be in accordance with all applicable local and national laws.



One-time charges. A valid payment method is required for all purchases. If we are unable to receive your payment within the prescribed time period, we may cancel your order or request an alternate form of payment or arrange for another means of payment. PhilCare’s designated credit card processor will collect your payment information and related personal information for its use in processing your payment for the products or services ordered by you. Any complaints or grievances regarding the processing of your payment should be addressed to PhilCare at the contact information given below. You understand that the prices for products and services may be changed from time to time, but that the website will reflect current prices.


Responsibility for charges and fees. You are solely responsible for all charges and applicable fees (including taxes and any fees related to the payment method you have chosen) associated with your order. Delivery charges are for your account though from time to time, PhilCare may extend promotions that offer free delivery.



You agree that you will indemnify PhilCare against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorneys’ fees and costs) arising out of a claim by a third party relating to materials you have posted or other actions taken by you on the Site.


Intellectual Property

The marks “PhilCare” and the figure eight in the colors of blue and green with a dot at the center of the upper and lower loops, are trademarks and/or service marks of PhilhealthCare, Inc. The content and design of the PhilCare Site is protected by Philippine and international copyright laws. You may not copy, reproduce, republish, upload, post, display, transmit or frame any of these materials without prior written consent from the copyright owners, except that you may view, download, display and print a single copy of these materials on a single computer for personal, non-commercial use only, so long as: you do not alter or modify the materials in any way; you include all applicable notices and disclaimers (including copyright notices); and you do not use the materials in a way that suggests an association with PhilCare or an affiliated PhilCare entity. You understand and agree that title to these materials shall not pass to you or any other user.



You understand and agree that the philcare site and any services, content or information contained on or provided by the philcare site is provided on an “as is” basis. PhilCare does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title or noninfringement, or the implied warranties of merchantability or fitness for a particular purpose) with regard to the service or any merchandise, information or service provided through the service. In addition, PhilCare does not guarantee that use of the PhilCare site will be free from technological difficulties including, but not limited to, unavailability of information, downtime, service disruptions, viruses or worms, inaccurate calculators and you understand that you are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output.


Errors on the PhilCare Site

Content, prices, and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and PhilCare serves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted and whether or not the order has been confirmed and your payment received. If your payment instrument has already been charged for the purchase and your order is cancelled, PhilCare will issue a reimbursement in the amount of the charge. If you are not fully satisfied with your purchase, you may return it in accordance with the Site’s return policy.


Limitations of Liability

The use of the site is entirely at your own risk, and in no event shall philcare be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or any other monetary or other damages, fees, fines, penalties, or liabilities arising out of or relating in any way to this service, or sites accessed through this service, and/or content or information provided herein. your sole and exclusive remedy for dissatisfaction with the service is to stop using the service. user hereby acknowledges that this paragraph shall apply to all content, merchandise and services available through the site.


Links to Third Party Websites

The Site contains links to other sites operated by third parties, including but not limited to third party sites that may display the PhilCare trademarks (“Third Party Site,” “Third Party Sites”). These links are available for your convenience and are intended only to enable access to these Third Party Sites and for no other purpose.


PhilCare does not warrant or make any representation about the substance, quality, functionality, accuracy, fitness for a particular purpose, merchantability or any other representation about any Third Party Site or its content. A link to a Third Party Site on the PhilCare Site does not constitute sponsorship, endorsement, approval or responsibility for any Third Party Site. PhilCare makes no representation or warranty as to any products or services offered on any Third Party Site. The conditions of use and privacy policy of any Third Party Site may differ substantially from the conditions of use and legal notices that apply to your use of the Site. Please review the conditions of use for all Third Party Sites for more information about the terms and conditions that apply to your use of Third Party Sites.


Registration to the PhilCare Site

Certain areas of the PhilCare Site are accessible only to registered users. To be a registered user, you must be eligible to receive the MyPhilCare service. In order to access the registered-user-only areas of MyPhilCare, you will need the username and password provided to you.

You acknowledge that the use of username and password is an adequate form of security. You are solely responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password, (2) not allowing another person to use your username or password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password, and (4) promptly informing PhilCare in writing of any need to deactivate an username due to security or other concerns. PhilCare is not liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use the PhilCare Site using your username or password.

You shall immediately notify PhilCare of any unauthorized use of your username or password and any breach of confidentiality. Until PhilCare receives this notification from you, you will be held liable for any harm ensuing from the use of your username on MyPhilCare.


Submissions to the PhilCare Site

If any user of the PhilCare Site makes any submission (such as questions, comments, resume, or suggestions) to PhilCare, whether oral, written or electronic, no confidential relationship shall be established between the user and PhilCare; The user’s submission, and any information submitted with it, shall be considered non-confidential and shall be considered the sole and exclusive property of PhilCare. PhilCare shall have no obligation of any kind (such as compensation) with respect to the submission or any materials that accompany it. PhilCare shall be free to use or transmit to others any ideas, concepts, or techniques contained in the user’s submission and accompanying materials for any purpose whatsoever, including, but not limited to, research, development, manufacture, use or sale of any products or services incorporating or relying on such information.


Personal Information

A user’s personal information is treated in accordance with PhilCare’s Privacy Policy.


Click-Stream Data and Cookies

A “cookie” is a small text file placed on your computer by a web server when you access a web site. Cookies are frequently used on web sites. Cookies in themselves do not identify the individual user, just the computer used.

PhilCare generally uses cookies to make a record of your visit and will log the following information:


PhilCare uses this information for various purposes including:


You can choose if and how a cookie will be accepted by configuring your preferences and options in your browser. For example, you can set your browser to notify you when you receive a cookie or to reject cookies. However, if you decide not to display cookies, then you may not be able to gain access to all the content and facilities of this web site.


Present or Future Employment with PhilhealthCare, Inc.

Should you become employed with PhilCare, none of the information or materials on the PhilCare Site shall constitute or be considered part of an employment contract or an employee manual or handbook. Nothing stated or represented on the PhilCare Site shall affect the employment relationship between PhilCare and its current, former, or future employees.


Forward-Looking Statements

The Site may, from time to time, contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. PhilCare cautions the reader that actual results could differ materially from those that PhilCare expects, depending on the outcome of certain factors. In some cases, PhilCare describes uncertainties when offering forward-looking statements. PhilCare does not undertake any obligation to correct or update any forward-looking statements on the Site.



You agree that any dispute or claim (including personal injury claims) related to your use of the PhilCare Site is subject to the exclusive jurisdiction of the appropriate court in Makati City, Philippines. This agreement also applies to anyone claiming on your behalf.


Customer Care

Member Gateway
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Payment Options
Returns and Refunds

24/7 Customer Service Hotline:

Landline: (02) 8462-1800

Mobile (Calls): 0998-562-1800 (SMART) / 0917-592-1800 (GLOBE)

Toll Free Hotline: 1-800-1888-3230



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