HealthGuard Terms and Conditions

Daily Hospital Income (DHI) Coverage — Person Insured / Benificiary gets cash benefit for each day of hospitalization. 1000 days maximum coverage. One can avail of this even if the first day of hospitalization is the lasy day of the coverage period. Intensive Care Unit (ICU) Coverage — 120 days maximum ICU coverage. Beneficiary gets double the cash benefit of DHI for each day in the hospitals' ICU. Personal Accident (PA) Coverage — beneficiary gets cash benefit upon death of memeber (person insured) from accident. 15 days waiting period on the first month before new clients can avail of the DHI and ICU benefits. Multi-use between the coverage period on a case-t-case basis, 2nd episode of hospitalization onward within the coverage period may not require a 3-day minimum hospitalization. 31 days grace period for renewal, after which the the coverage terminates, a new certificate of cover will be in effect upon renewal and a 15 day waiting period will take effect. Upgrade Eligibility Members currently enrolled can upgrade to a higher-value product without any restriction or a 15 day waiting period, provided their coverage have not lapse or expired. Downgrading the policy members can do so but the 15 day waiting period will take effect. Basis for Claims Benefit will be the total number of days in the hospital — date & time of confinement and discharge stated on the hospital Statement of Account (SOA) are required during claims. Valid ID or alternatives (such as birth certificate of the beneficiary) are required during claims. Insurance Coverage will automatically terminate on the date the member turns 65 years old even if the member has remaining coverage period.