Affordable HMO with
comprehensive coverage

KwikCare offers affordable healthcare plans that give you comprehensive HMO coverage for inpatient and outpatient care, laboratory tests, and emergency services, with zero cash-out at accredited clinics and hospitals nationwide.

KwikCare healthcare plans are subscription-based, with monthly payments and no lock-in period, so you can stay covered with full flexibility

You are eligible to apply for a KwikCare healthcare plan if you are:

• Principal Member – 18 to 65 years old. "Attained age" refers to your age as of your last birthday.

Enrollment is allowed up to age 65 only. Eligibility is determined at the time of enrollment, and coverage is for a period of one (1) year.

Dependents may also be enrolled, following the required dependent hierarchy:
For Married Individuals
Legal Spouse – up to 65 years old
Children and Legally Adopted Children – from 30 days old up to 21 years old, enrolled from eldest to youngest

For Single Parents
Children and Legally Adopted Children – from 30 days old up to 21 years old, enrolled from eldest to youngest

For Single Individuals
Parents – up to 65 years old
Siblings – from 30 days old up to 21 years old, enrolled from eldest to youngest

*Dependents must be enrolled strictly following the hierarchy.

Yes. You may enroll your dependents, provided you follow the required dependent hierarchy:

• If you have a legal spouse: 1st priority – Legal Spouse (up to 65); 2nd priority – Child/ren (30 days to 21 years old, eldest to youngest).
• If single with children: 1st priority – Child/ren (30 days to 21); 2nd priority – Parent/s (up to 65).
• If single without children: 1st priority – Parent/s (up to 65); 2nd priority – Sibling/s (30 days to 21, eldest to youngest).

Dependents must be enrolled simultaneously with the Principal Member. The exception is for marriage or the birth of a child, newly married spouses may be enrolled within 30 days from the date of marriage, and newborn child within 60 days from the date of birth, in accordance with eligibility guidelines.

KwikCare may require supporting documents to validate eligibility:

• Married Principal Members – photocopy of the marriage contract (for spouse) and the child's birth certificate (for children).
• Single Principal Members – photocopy of the Principal Member's birth certificate (for parents) and the sibling's birth certificate (for siblings).
• Single-Parent Principal Members – photocopy of the child's birth certificate (for children).

KwikCare reserves the right to require additional documents at any time for the purpose of validating eligibility.

The Maximum Benefit Limit (MBL) is the total amount of benefits a member may avail of, per illness, per year of membership.

• The limit applies to each medical condition or illness within the year, including related complications.
• Once the MBL for a specific illness is fully used within the year, additional expenses for that same illness are no longer covered until your next renewal period.
• The MBL resets every year upon renewal.

Basic is ₱40,000, Comfort is ₱80,000, and Premium is ₱120,000.

There are three plans, each with a Maximum Benefit Limit (MBL) per illness, per year.

BASIC – MBL ₱40,000 | ₱999/mo
COMFORT – MBL ₱80,000 | ₱1,199/mo
PREMIUM – MBL ₱120,000 | ₱1,499/mo

All fees are per member, per month. Age eligibility is up to 65 years old.

All three plans (Basic, Comfort, Premium) include:
• Access to 2,000+ hospitals and clinics, including major hospitals (AHMC, SLMC QC, SLMC BGC, MMC, TMC, CSMC)
• Access to 56,000+ affiliated doctors and physicians
• Inpatient and emergency cases
• Outpatient consultations
• Unlimited teleconsultation

Room and Board accommodation by plan:
• Basic – Ward • Comfort – Semi-Private • Premium – Regular Private

for Physical Therapy: Basic is covered up to ₱20,000; Comfort and Premium are covered within MBL(up to 6 sessions, subject to the outpatient limit). for animal bites (up to ₱18,000, first dose only).

Pre-Existing Conditions (PECs)

Inpatient treatment: Covered up to 30% of the MBL
Outpatient treatment: Covered up to 20% of the MBL

• Basic – Inpatient up to ₱12,000; Outpatient up to ₱8,000
• Comfort – Inpatient up to ₱24,000; Outpatient up to ₱16,000
• Premium – Inpatient up to ₱36,000; Outpatient up to ₱24,000

Congenital Conditions
Subject to the applicable PEC waiting period and activation requirements
Covered up to 50% of the MBL once eligible for coverage.

• Basic – up to ₱20,000 • Comfort – up to ₱40,000 • Premium – up to ₱60,000

The program is subject to quarterly utilization reviews. KwikCare reserves the right to adjust premiums or modify benefits for new applications to ensure long-term financial viability.

Existing members are protected: you will continue to enjoy your current annual benefits without disruption until the end of your annual policy.

These plans are available exclusively through SB Finance. To enroll, sign up and submit your member list and required documents, then settle your initial payment.

Once your enrollment is processed, your account is activated and you will receive your card number and instructions to register in the AMAPHIL App.

Initial Membership Fees equivalent to three (3) months shall be paid in advance. Succeeding Monthly Renewal Membership Fees are due and must be settled within five (5) calendar days after each monthly renewal date.

After signup and payment, your account is activated, followed shortly by coverage activation. You will receive your card number and instructions to register in the AMAPHIL App as part of onboarding.

There is a 15-calendar-day waiting period (contestability period) from your enrollment date. During this period, newly enrolled members are only covered for emergency accidental cases, such as vehicular accidents, acts of nature, drowning, and burns.

Illustrative timeline (for a Jan 1 enrollment):
• Jan 1 – Signup, payment, and submission of requirements
• Jan 2 – Account activation
• Jan 15 – Receive card number and AMAPHIL App registration instructions
• Jan 16 – Coverage activation
• July 2 – Pre-Existing Condition (PEC) coverage activation (after 6 months)
• Jan 2 (next year) – Renewal, MBL reset, and 100% MBL PEC coverage

During the 15-calendar-day waiting period (contestability period) that begins on your enrollment date, only emergency accidental cases are covered, for example: vehicular accidents, acts of nature, drowning, and burns.
Plan benefits begin once coverage is activated after this waiting period.

Pre-Existing Conditions become eligible for coverage 6 months after your enrollment date, subject to your plan's PEC limits.

For example, for a January enrollment, PEC coverage activates the following July. Upon your annual renewal, PEC coverage increases to 100% of your Maximum Benefit Limit.

Yes, you may cancel your plan within seven (7) days of purchase for a full refund, as long as no claims or availments have been made.

KwikCare provides cashless access at Amaphil-accredited hospitals, clinics, physicians and healthcare providers nationwide. The network includes over 2,000+ hospitals and clinics and 53,000 licensed physicians.

Reimbursement request is subject to plan coverage and required approvals.

KwikCare benefits can be used at Amaphil-accredited hospitals, clinics, physicians, and healthcare providers nationwide. The network includes over 2,000+ hospitals and clinics and 53,000 licensed physicians.

Visit Amaphil website to find accredited list and directory, or contact KwikCare Support for assistance.

You will need to use the Amaphil App to access and manage your HMO benefits. Your login credentials will be sent to your registered email and mobile number within 15 days after