Frequently Asked Questions
Employer Questions
What kind of insurance will my Virtual Assistant be getting?
Our current insurance provider is PhilCare, one of the leading Health Maintenance Organization (HMO) in the Philippines.
Is it possible to split the cost of insurance with my virtual assistant?
No, splits cannot be done on our end, this would need to be done on your own.
I need to cancel, how do I do this?
Email us at info@myva.ph to request cancellation. The cancellation must be requested before the 20th of the current month to avoid charges for the following month.
Does the Insurance service have a policy that will need to be renewed?
No, all insurance is ongoing and billed monthly until cancelled.
If payment is not made and insurance is cancelled, how soon can insurance be re-established?
If reactivated before the 20th of the month, re-enrollment will be effective the following month.
Employee/Virtual Assistant Questions
When will my insurance start/how soon can I get it?
Sign up, payment, and all required documents must all be submitted by the 20th of the month in order to have insurance established for the following month.
I would like to enroll a dependent. Are there rules I have to follow to do this?
Yes, there are very specific rules that apply when adding dependents. Click here to view the hierarchy for dependents. This will help you determine which plan would be needed based on who you would like to enroll.
What if I don't have a qualifying dependent?
Our plans are designed to provide the best benefits for you and your dependents. The Comprehensive plan includes coverage for you and one dependent, recognizing the importance of family well-being. However, if you don’t currently have any qualifying dependents to include, it won’t impact the price you pay. Rest assured that our plans remain flexible, and if there comes a time when you have a qualifying dependent (such as marriage or birth of a child), simply inform us within 30 days of the life event and we’ll make the necessary arrangements to provide coverage for them.
When will I receive my ID cards?
Certificate numbers are typically issued on or before the first of the month, and cards mailed out 10 days after this. You should receive your ID cards within the first month of active service. You can still use your HMO by downloading and registering with the PhilCare app! If you have not received your ID cards within a month email us at clientservices@myva.ph.
Can I use my HMO even if I have not received my ID cards?
Absolutely! Download the HeyPhil app and use the PhilCare certificate number emailed to you to register and use your benefits right away!
NOTE: For those who have enrolled their dependents, you should be able to see their details under the ‘My Account’ section in your HeyPhil app. If you do not see this information please reach out to us at clientservices@myva.ph.
Can I purchase HMO on my own?
We want to ensure that all our VA clients have access to the best healthcare options available, and to make that happen, we require employers to sign up and pay for the service on behalf of their VAs. This ensures that all VAs have access to the care they need, while giving employers the peace of mind that their team is well taken care of.
Insurance Information
Who do I contact if I have any issues with my HMO?
After you receive your ID cards, you will need to contact PhilCare directly for support.
Where can I find a list of accredited hospital locations?
View over 1,700 accredited hospitals and clinics here.
Where can I find specific coverage details?
View our HMO Summary to view your HMO benefits and coverage details.
How can I request a Letter of Authorization (LOA)?
Please use the PhilCare app to access this option and request an LOA.
I’m in the hospital, what’s the name of the company?
Homebased Advantage OPC
Is corrective eyewear covered?
Not at this time, though we are always looking into additional options to offer!
Can we get reimbursed if we buy medication, vitamins, or eyeglasses given that we were given prescriptions for these items?
These items would be out of pocket expenses.
What if I do not want to be an active member of Philhealth? Does that mean I cannot use my HMO?
You are still able to use your HMO benefit, but you will have the shoulder of the Philhealth portion of your hospital bill(s).
Does my HMO have maternity and birth benefits?
Coverage includes a pre and post natal consultation. Anything related to pregnancy or complication of pregnancy is not covered. Also excluded from coverage are work ups, which are the laboratory and diagnostic procedures related to maternity.
Birth expenses are eligible for a reimbursement of 5,000 PHP for normal delivery/cesarean delivery, provided that the pregnancy was after the HMO membership waiting period of 280 days after activation.
Can I add additional dependents to my current policy?
It is not possible to add additional dependents to existing policies. If you would like to add a dependent to your current policy, you will have to cancel your current policy, pay the activation fee for your new plan, and wait for coverage to begin with the new policy.