FREE ICU Cover for COVID-19 with MediCash Health Insurance

Coronavirus caught the world by surprise and has forced several countries to impose strict quarantine measures to prevent its spread. As of June 10, the Department of Health has confirmed that 23,732 individuals have tested positive for COVID-19. With the rainy season fast approaching, diseases like dengue and leptospirosis add to our growing list of health concerns. With all these in mind, Pioneer has developed a special bundle offer to help ease your medical worries.

As part of Pioneer’s commitment to providing relevant products to address the concerns of the public, MediCash Health Insurance is offering FREE ICU cover due to COVID-19 for 3 months with P10,000 medical cash assistance when the insured is confined to the ICU. To avail of the FREE ICU cover, reactivate both MediCash Dengue (P350 SRP) and MediCash Leptospirosis (P80 SRP) from May 16 to July 15, 2020. All you have to do is accomplish the online form at http://bit.ly/cec_medicash or email medicash@pioneer.com.ph. Your coverage for dengue and leptospirosis is one (1) year with P10,000 medical cash assistance upon diagnosis. This offer is limited to the first 5,000 Pioneer MediCash customers who will reactivate their MediCash.

To make the process even safer and more convenient for you, you may choose to pay using your credit or debit card, or through our online bills payment facilities via BDO, BPI, AUB, Metrobank, Security Bank, BancNet, and GCash.

Aside from practicing frequent hand-washing and social distancing, it’s great to have a reliable health insurance to help you and your family face these unpredictable times. Together, we will get through this pandemic.

Get covered now with MediCash! For inquiries, you may contact us through service@pioneer.com.ph, call 02 7750 5433, or text 0917 531 7213.

Find out more about this promo through this FAQ sheet.

FREE 3-MONTH COVID-19 ICU INSURANCE

with MediCash Dengue and Leptospirosis

Frequently Asked Questions (FAQs)

1.      What is Covid-19?

An infectious disease caused by a newly discovered coronavirus. Most common symptoms are fever, dry cough, and tiredness. Serious symptoms include difficulty breathing or shortness of breath, chest pain or pressure, and loss of speech or movement. Diagnosis must be confirmed by the Covid-19 RT-PCR test.

2.      How does the FREE 3-month Covid-19 ICU cover work?

Once coverage takes effect Pioneer shall provide the P10,000 Medical Cash Assistance to the Insured upon ICU confinement due to Covid-19 provided all of the conditions are satisfied.

3.      Why did Pioneer offer a FREE 3-month Covid-19 ICU cover?

This is part of Pioneer’s continuous effort to be always relevant to the concerns of its customers and the public. Following the government’s Covid-19 alert advisory and the World Health Organization’s declaration that it is a pandemic, Pioneer is responding by pioneering a FREE 3-month Covid-19 ICU cover.

4.      Who is eligible for the FREE 3-month Covid-19 ICU cover?

MediCash Dengue and Leptospirosis Insurance policyholders who are between 14 days old to 60 years old.

5.      What do you mean by limited 1-month period?

It means that From May 16 to June 15, 2020, the first 5,000 Pioneer MediCash customers who reactivate both their Dengue cover and Leptospirosis cover will get a FREE 3-month Covid-19 ICU cover.

6.      So the free cover is only for 1 month?

The FREE 3-month Covid-19 ICU cover is active for three (3) months from the Effective Date, subject to the Termination Date provision.

7.      What is needed to claim for the FREE ICU COVID-19 cover?             

The following conditions must be satisfied in order to claim:

  1. It is the first and only claim for Covid-19 during the coverage period.
  2.  Satisfies the Waiting Period condition;
  3.  ICU confinement due to Covid-19 must be:
  • confirmed by a Physician and by the Insurer’s Medical Director or Authorized Medical Consultant.
  • supported by the Hospital Statement of Account showing ICU confinement;
  • substantiated by Reverse Transcription Polymerase Chain Reaction (RT-PCR);

8.      How does the Insured file the claim for the FREE 3-month Covid-19 ICU cover?

A.      Once confined in the ICU following valid a Covid-19 diagnosis confirmed by a Reverse Transcription Polymerase Chain Reaction (RT-PCR) test, ask the attending licensed physician to accomplish the Claims Medical Report (CMR).

B.      Prepare the following requirements:

  1. Duly accomplished Claims Medical Report (CMR);
  2. Reverse Transcription Polymerase Chain Reaction (RT-PCR) test result;
  3. Statement of Account from the hospital showing the ICU confinement.

C.      Submit requirements to Pioneer by:

  1. Scanning and sending via e-mail to PLI_OpsClaims@pioneer.com.ph;
  2. Taking pictures and sending them via Viber to 0917 531 7213;

9.      What do you mean by “first fifteen (15) days”?

In lieu of an elaborate underwriting process, a 15-day waiting period from Effective Date is in effect.  This means that neither signs nor symptoms of the disease should have been observed and that the first doctor’s consultation should not have occurred during the waiting period.

10.Can an Insured claim as soon as I am confined to the ICU due to COVID-19?

Yes, as long as the above requirements are already available, the Insured may file for a claim by sending soft copies of the documents to PLI_OpsClaims@pioneer.com.ph, or taking pictures and sending them via Viber to 0917 531 7213.The Insured may call 02 7750 5433 for assistance.

11. Does it matter how long the Insured is confined in the ICU due to Covid-19?

No. As long as the Insured is confined to the ICU due to Covid-19 and all the conditions have been fulfilled, Pioneer will pay the lump sum medical cash assistance amount of P10,000.

12. What happens to the FREE 3-month Covid-19 ICU cover after the Insured claims from both MediCash Dengue and Leptospirosis?

The FREE 3-month Covid-19 ICU cover shall also terminate upon claiming from both MediCash Dengue and Leptospirosis.

13. So does this mean the Insured can claim from MediCash Dengue, Leptospirosis, and the FREE 3-month Covid-19 ICU cover?

Yes, the Insured will receive P10,000 for each benefit. However, upon termination of both the MediCash Dengue and Leptospirosis policies, the FREE 3-month Covid-19 ICU cover also terminates.

Example 1:Insured with an active cover registered May 16, 2020, was confined to the ICU due to Covid-19, June 16, 2020. Claim can be made and the cover for the FREE 3-month Covid-19 ICU cover will terminate.

The same person contracted Dengue and Leptospirosis in July 16 and Auust 16, 2020 respectively. The Insured will still be able to claim both benefits, and both policies will be terminated.

Example 2:Insured with an active cover registered May 16, 2020, contracted Dengue and Leptospirosis on June 16 and July 16, 2020 respectively. Both policies are then terminated, including the FREE 3-month Covid-19 ICU cover.

14. Can a friend or family member claim on behalf of the Insured?

Similar to MediCash Dengue and Leptospirosis, the claim proceeds are payable to the Insured, or the Insured’s parent/legal guardian if the Insured is under 18 years old.

15. Could I buy ICU Covid-19 cover separate from MediCash Dengue and Leptospirosis?                      

No, the ICU COVID-19 cover is not available as a stand-alone insurance. It only comes free with MediCash Dengue and MediCash Leptospirosis.

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