Why Family Insurance Matters: Securing Your Loved Ones’ Health and Future

In today’s uncertain world, having reliable health coverage isn’t just a personal necessity—it’s a cornerstone of family well-being. KwikCare’s health subscription plans offer an accessible way to protect every member of your household, ensuring you can focus on what matters most without worrying about medical costs.
 
Key Reasons Family Insurance Is Essential
 
- Financial Protection: Unexpected medical expenses can strain household budgets. KwikCare plans save up to 50% versus traditional health plans, with cashless transactions at accredited facilities to avoid out-of-pocket costs.

- Comprehensive Coverage: Plans include inpatient, outpatient, and emergency care. For families, this means everyone—from infants to seniors up to 65—can access quality care when needed.

- Peace of Mind: Knowing your loved ones are covered lets you face life’s challenges with confidence. As one subscriber noted, having a trusted insurance partner provides reassurance during unexpected events.
 
How KwikCare Supports Families
 
- Family Enrollment: Individual members can enroll eligible relatives (spouse, children, parents, siblings, and more) aged 30 days to 60 years old (renewable up to 65). Each member gets their own policy with separate billing and benefits.

- Digital Convenience: 100% digital application with real-time approval, plus an app-based system (HeyPhil 2.0) where you can schedule check-ups, access e-cards, and manage care—no paperwork or physical cards needed.

- Flexibility: Monthly payments with no lock-in period, and options for annual subscriptions upon request. Late payments can be reinstated within 60 days, with minimal waiting periods for reactivation.

- Rewards Program: Free KwikRewards membership lets you earn gift vouchers for staying subscribed, referring friends, or sharing plans on social media—adding extra value for your family.
 
Important Considerations for Family Coverage
 
- Pre-existing Conditions: Most are covered after 6 months (up to 50% of maximum benefits), while specific conditions like diabetes or heart issues may require an additional rider.

- PhilHealth Requirement: PhilHealth is necessary, but enrollees without it can still join by paying an extra premium or enrolling voluntarily.

- Accredited Providers: Plans are accepted at major hospitals (e.g., St. Luke’s, Makati Medical Center) and clinics nationwide—find the full list here for hospitals, here for clinics, and here for doctors.
  
Would you like to learn more about how to enroll your family in a KwikCare plan or get details on specific coverage options for different age groups?

Family Enrollment Steps
 
- Who can enroll: Only individual members can add family (group accounts follow separate proposal guidelines). The purchaser must be 18-60 years old.
- Eligible relatives: Spouse (with affidavit if common-law), children (biological/step/adopted), parents/in-laws, siblings, and other relatives like nieces/grandparents (ages 30 days to 60 at enrollment; renewable up to 65).
- How to enroll: Sign up via the website as an individual, then add eligible family members anytime during the process or later. Each person needs a unique email for the HeyPhil 2.0 app.
 
Coverage by Age Group
 
- Minors (below 18): Purchaser receives billing via their email. Coverage includes inpatient, outpatient, emergency care, 6 physical therapy sessions, and 1st dose of animal bite vaccines (up to ₱18,000).
- Adults (18-60): Receive their own billing emails. Same core coverage as minors; pre-existing conditions follow standard waiting periods.
- Seniors (61-65): Eligible for renewal only. Coverage ends the day before turning 66.
 
Key Reminders
 
- Each family member has an independent policy with their own effective date, benefits, and status.
- For pre-existing conditions starting August 1, 2025, specific issues (e.g., heart conditions, diabetes) need a PEC Rider for coverage in the first year.
- Payments must be made through official online channels—never send money directly to affiliates/advisors.
 
To start the enrollment process or get a personalized breakdown for your family’s needs, CLICK HERE 




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