• Room and board accommodation
• Use of Operating Room, Intensive Care Unit (ICU), Isolation Room and Recovery Room
• Professional fees of attending physicians, surgeons, anesthesiologist and Cardio-pulmonary Specialist (for clearance before surgery and cardiac monitoring during surgery)
• Standard nursing services
• Medicines for inpatient care
• Blood product transfusions and intravenous (IV) fluids
• X-ray, laboratory examinations, diagnostic tests and therapeutic procedures incidental to confinement
• Dressings, conventional casts (plaster of Paris) and sutures

• X-ray, laboratory examinations, routine, diagnostic and therapeutic procedures
• Consultations
• Treatment of minor injuries
• Minor surgery not requiring confinement
• Eye laser therapy for retinal tear / hole / detachment and glaucoma
• Cauterization of warts
• Sclerotherapy (for varicose veins)
• Speech therapy (For stroke patients only)
• Allergy testing
• Tuberculin test

Any life-threatening or unexpected onset of a condition or illness, which requires the immediate alleviation of pain or discomfort within 24 hours including confinement in a regular private room.

Affiliated Hospital

• Doctor’s services
• Consultations
• Emergency room fees
• Medicines used for immediate relief and during treatment
• Oxygen, intravenous (IV) fluids and blood products
• Dressings, conventional casts (plaster of Paris) and sutures
• X-rays, laboratory, diagnostic examinations and other medical services related to the emergency treatment of the patient

Non-Affiliated Hospital

Within the Philippines

• Reimbursement up to 80% of the actual hospital bills and 80% of the Professional fees (based on Pacres Atil Insurance rates) incurred during the first twenty-four (24) hours of treatment up to ₱30,000.00 / availment / member.

Areas without accredited hospitals within the Philippines

• Reimbursement of 100% of the total hospital bills and Professional fees (based
on Pacres Atil Insurance rates)

Outside the Philippines

• Pacres Atil Insurance shall reimburse 100% actual costs up to ₱30,000.00 / availment / member

Ambulance Service up to ₱2,500.00 per conduction

• Life coverage with Accidental Death & Dismemberment
• Scoliosis treatment
• Congenital illness
• Consultations for Chronic Dermatoses up to Benefit Limit
• Transurethral Microwave Therapy of Prostate

Clinic-based Annual Check-Up, consist of five (5) basic routines:

• History and physical exam
• CBC (Complete Blood Count)
• Routine Urinalysis
• Routine Fecalysis
• Chest x-ray (PA and lateral)

Passive and active vaccines for treatment of tetanus and animal bites

• Annual Oral / Dental Examination and Consultation
• Emergency Dental Treatment
• Annual Oral Prophylaxis
• Simple Tooth Extractions
• Restorative and Prosthodontic Treatment Planning
• Permanent fillings
• Unlimited temporary fillings, as needed
• Desensitization of hypersensitive teeth twice a year
• Simple adjustment of dentures
• Recementation of loose crowns, inlays or onlays
• Dental nutrition and Dietary counseling
• Dental Health Education

• 24-hour Telephone Medical Advice
• Emergency Medical Evacuation
• Emergency Medical Repatrition
• Repatrition of Mortal Remains

This corresponds to any condition that is considered to be chronic, progressive, life-threatening and which may entail lifelong therapy. This also refers to conditions where complete cure cannot be ensured.