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AYOS HEALTH CARD – Frequently Asked Questions (FAQ)

Powered by PhilCare

The Ayos Health Card is a full HMO plan providing comprehensive healthcare coverage, including Day 1 coverage for Pre-Existing Conditions (PEC) once activated. It offers convenient, affordable, and accessible protection for individuals, families, and companies.

Anyone 18–65 years old (depending on the plan variant) can enroll—whether employed, self-employed, freelancer, retiree, OFW, or dependent.
YES. Pre-Existing Conditions are covered from Day 1 of activation.
No medical exams or medical questionnaires required.
You can enroll with no medical tests, no long documentation, and no employer requirements. This makes it the fastest and most accessible HMO for individuals and SMEs.

Benefits vary per plan and may include:

Up to ₱200,000 per illness per year

Day 1 PEC coverage

Emergency & Inpatient care

Access to PhilCare-accredited hospitals nationwide

No medical exam required

Activation takes up to 15 days from the date of verified payment.
Yes. All benefits, including PEC coverage, are available once the plan is active.
You can use your plan at PhilCare-accredited hospitals, clinics, and medical facilities nationwide.
You may use the plan multiple times as long as it is within your Maximum Benefit Limit (MBL) or per-illness limit.
Yes. Outpatient consultations are included in selected Ayos Health Card variants. Please check your Schedule of Benefits.
Yes. Only an employee masterlist is required—no complicated corporate documents.
Yes. OFWs may buy the plan for themselves or their families. Coverage applies within the Philippines.
For individuals: Valid ID Filled-out Online Application Form Payment For groups: Employee masterlist Payment
Proceed to any PhilCare-accredited hospital and present your Ayos Health Card or e-Card. A 24/7 hotline is available for assistance.
Ayos Health Card is an HMO plan, not traditional insurance. Some variants may include insurance riders (e.g., life or accident benefits).

Yes. Plans can be renewed every year and may be upgraded depending on eligibility.

Day 1 PEC Coverage Affordable full HMO protection Fast and easy enrollment Nationwide hospital access Powered by PhilCare, a top HMO in the Philippines
Pricing depends on the plan variant and benefits. We offer affordable packages for individuals, families, and group accounts. Message us to receive the latest rate card and plan recommendations.
Yes! You may buy plans for your spouse, children, parents, and other dependents. Each member gets their own coverage, ensuring tailored protection for every family member.

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Send us a message and let Ayos Health Plans help you find the right health coverage for your needs.