OptimumCare Program


The CareHealth Plus OptimumCare Program is a unique HMO program providing the Cardholder with maximum coverage in life insurance, flexible savings schemes, customer-driven health care maintenance programs and full assistance in memorial service requirements.  The following provides a bird’s eye-view of the more salient features and benefits of our multi-faceted CareHealth Plus programs. 

  • Ten (10) years of comprehensive hospitalization and outpatient services while limiting the plan payment period to only five (5) years.
  • OptimumCare medical benefits are extended from the 11th year until 15th year and continue to increase yearly by 5% to 8%  of the plan’s coverage amount.
  • Inpatient Services and Outpatient Privileges may be assigned to immediate family members from the plan’s 11th to 15th year.
  • Inpatient Services and Special Procedures:
    • Hospitalization Benefits
    • Special Diagnostic and Laboratory Procedures
    • Emergency Care

Built-in Outpatient Privileges:

  • Outpatient Services
  • Annual Physical Examination Package
  • Preventive Health Care
  • Dental Care
  • Other Services
  • A three (3)-pronged Life Insurance package: 
  1. Term Life Insurance cover until before age 75 years and equivalent to 100% of the plan’s Enhanced Benefit Maximum.
  2. Accidental Death Insurance until before age 70 years equivalent to 100% of the Enhanced Benefit Maximum.
  3. Waiver of Installments due to Disability until before age 65 years.
  • PLUS – Six (6) medical or dental consultations per year for a pre-designated dependent.
  • PLUS – CareHealth Plus is 24/7 on call for immediate assistance in medical services and memorial service arrangements.