Welcome to ValuCare

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ValuCare Health Systems, Inc. was established in June 1997 by a group of doctors headed by�Dr. Charles C. Chante.�A wholly owned Filipino corporation in the Health Maintenance Organization (HMO) industry, ValuCare started with an initial complement of 30 employees, setting up its office at the prestigious Philippine Stock Exchange Center at the Ortigas Business District, Pasig City.

As a new player in the industry, ValuCare was able to make a name for itself in a relatively short period of time. Several prestigious clients placed their trust and confidence in the new company, and made the right decision.

By the year 1999, after only 2 and half years of operation, ValuCare achieved its status as a Top 5000 Corporation, ranked 4,847 in the Top 5000 Corporations listing of the Philippine Business Profiles (2000-2001 edition).

By 2003, ValuCare ranked 1,894 in the Top 5000 Corporations listing of the Philippine Business Profiles (2004-2005 edition)

Presently, ValuCare is servicing more than 150,000 planholders comprising its individual, family, group and more than 1,000 corporate accounts nationwide. It has expanded its offices to accommodate its present compliment of over 175 employees. Branch offices have been opened in Cebu, Iloilo and Davao. The head office in the PSEC Pasig presently occupies more than half a wing of that prestigious address, with further expansion in progress.

All these with the singular objective in mind � To provide "Quality HealthCare with Compassion"

Our Vision

To be the number one managed care organization in the Philippines, globally competitive in providing holistic care with compassion to the Filipino people.

Our Mission

We commit . . .
To provide affordable quality health care and promote the well-being
of our plan members
To determine risks and rewards to foster harmonious alliances and keep our
providers and intermediaries abreast with the latest tools and approaches
�in assessing quality in managed care.
To develop opportunities for personal and professional growth of our
employees to improve their quality of life.
To ensure fair returns of investment to our share holders.
To lead in uplifting the industry�s standard through innovative strategies,
�health reform efforts, research and technology
To contribute to the socio-economic progress of the nation through a
healthy citizenry.

Benefits and Availment Procedures

To avail of any of the benefits enumerated, declare that you are a ValuCare member to the accredited provider and/or present your ValuCare Card for it to be swiped in the Medilink port.



  • Room and Board based on the members' plan
  • Professional Fees of the attending physicians, surgeons and anesthesiologist
  • Use of the Operating Room/Recovery Room, ICU/CCU
  • Standard Nursing Services
  • Oxygen and/or inhalation therapy
  • Blood transfusions, including human blood elements
  • Dressings, sutures and casts (except fiberglass)
  • Necessary drugs/medicines while confined
  • Laboratory & Diagnostic procedures
  • Therapeutic procedures

INPATIENT Availment Procedures:

STEP 1: Secure admitting orders from ValuCare coordinator.

STEP 2: Proceed to the Admitting Section of the ValuCare accredited clinic/hospital and present the admitting order and have your ValuCare card swiped if Medilink port is available. Valucare head office will be notified of your admission. A ValuCare Hospital Liaison Officer, if there is one assigned in the area, or a ValuCare Inhouse Liaison Officer in the head office, will issue the Letter of Authority (LOA)�� after proper verification of your eligibility and coverage.

STEP 3: Secure and submit Philhealth Member Data Record (MDR) as well as other necessary Philhealth documents while in confinement.

STEP 4: UPON DISCHARGE File PhilHealth Check Hospital Charge Slips Settle disapproved, excess or incremental charges not covered by ValuCare (if any)



  • Consultations with ValuCare Coordinators
  • Referrals to Accredited Specialist
  • Treatment of minor injuries, (i.e. lacerations, minor burns, sprains, etc.)
  • Dressings and sutures for wound, castings (except fiberglass supplies)
  • Minor surgical procedures not requiring confinement
  • Laboratory, Xray and diagnostic procedures
  • Pre and/or PostNatal Consultations with accredited OBGynecologists

OUTPATIENT Availment Procedures:

STEP 1: Proceed to ValuCare accredited hospital/clinic & locate a Medilink port to have your card swiped. This could either be in the information, industrial, admitting or billing section, or at the ValuCare Coordinator's clinic.

STEP 2: Present the Letter of Eligibility (LOE), generated from the Medilink port, and your VC card to the ValuCare Coordinator for consultation.

STEP 3: ValuCare Coordinator will render to you necessary medical management or will refer you to accredited specialist/s if necessary.

STEP 4: If accredited specialist requests for any diagnostic or therapeutic procedure, return to the ValuCare Coordinator to get approval. (Procedures costing more than P1, 000 need approval from the Medical Services at the�ValuCare�head office).

Note: ValuCare Coordinators are NOT available 24/7 at hospitals/clinics. Check their schedules from the hospital/clinic or from the ValuCare Customer Service Hotlines.



  • Consultation at emergency room
  • Medications used for immediate relief of symptoms
  • Dressings and sutures for wound, casts (except fiberglass supplies)
  • Diagnostic examinations
  • Other medical services related to the emergency management which are deemed necessary to the treatment of the case.

STEP 1: Proceed to Emergency Room of ValuCare accredited hospital/clinic and present your ValuCare card

STEP 2: ER personnel will render proper treatment FOR NONADMISSION UPON DISCHARGE from ER

  • Sign necessary documents
  • Check Hospital Charge Slips
  • Settle charges not covered by ValuCare (if any)
  • Follow Inpatient procedures.

Note: ValuCare does not cover for nonemergency conditions managed at the Emergency Room.



Personalized Access to Laboratory Services (PALS) Program Planholders may have blood tests requiring fasting done at HOME or at the OFFICE. Secure request from Plan Coordinator Call ValuCare at 7023358 or 7023360 for coordination of appointment).

PALS is available in Metro Manila area only.


What if ValuCare Coordinators are not available in an accredited hospital during regular clinic hours, what shall Planholder do?

Medical collectibles are items that are not covered based on your healthcare service agreement with ValuCare. These could either be one or a combination of the following:

  • If emergency, proceed directly to emergency room or call ValuCare Customer Service Hotline (02.702.3310) for immediate endorsement to emergency room personnel.
  • If non-emergency, call ValuCare Customer Service Hotline (02.702.3310) for the following assistance:
    1. ValuCare will endorse Planholder to appropriate accredited doctor within the hospital.
    2. ValuCare will provide other necessary documents as required by accredited hospital.
    3. ValuCare will refer member to nearest accredited clinic/hospital if no appropriate accredited doctor available within the hospital.

Plan-holder seek medical consultation or out-patient healthcare services (non-emergency) on accredited hospital during Sundays, will member be accommodated?

  • There are no available doctors in the hospital for out-patient healthcare services during Sundays except those in emergency room (even on Saturdays, most doctors are on half-day schedule). Call ValuCare Customer Service Hotline (02.702.3310) for assistance.
  • ValuCare will refer Planholder to the nearest accredited clinic.
  • Doctors on our accredited clinics are available during Sundays, especially those inside malls. They have doctors with different specializations which make them ideal provider for out-patient healthcare service (non-emergency) during weekend; being inside the mall is also an added convenience.

On in-patient case, the hospital is accredited but the doctor attended the case is not accredited, what will be ValuCare's coverage?

  • The case will not be covered since it is included in the Exclusions & Limitations: "Service from Non-VALUCARE Accredited Physicians and / or Non-VALUCARE Accredited Hospitals and other health / medical providers, including adverse medical conditions arising from treatment of the same except those stipulated under the provisions on emergency care services;"
  • If client has Point of Service provision, the applicable expenses will be reimbursed following ValuCare reimbursement procedures.
  • If ValuCare does not have accredited specialist doctor appropriate for the member's case within the accredited hospital, hospital bills will be covered by ValuCare and Professional Fee will be on a reimbursement basis (subject to MCB, Exclusions & Limitations, and ValuCare reimbursement procedures).

Upon availing, the hospital is not-accredited but the doctor attended is accredited, what will be our coverage?

  • Call ValuCare Customer Service Hotline (02.702.3310) for assistance in transferring to accredited hospital, if medically possible (for admitted case).
  • If case is an emergency, ValuCare will reimburse it subject to pre-existing condition coverage, exclusions & limitations, and reimbursement procedures of ValuCare.
  • If non-emergency, ValuCare will not cover the case.

Upon availing, member has no coverage or has exhausted coverage for Pre-Existing Conditions (PEC) and the diagnosis is still not established, will ValuCare cover it?

  • For confinement, ValuCare Hospital Liaison Officer will visit admitted member for assistance within 24 hours of confinement (contact member if in provincial areas) to explain nature of the case. ValuCare coverage is based on the diagnosis given by the accredited doctor.
  • ValuCare will not cover the case until no established diagnosis has been given by the attending accredited doctor.
  • If the confinement has been paid by the member. But, the final diagnosis can be covered by the program; ValueCare will reimburse 100% of applicable hospital bills and professional fees based on ValuCare Relative Value Unit and subject to ValuCare reimbursement procedures.

For In-patient case, a member admitted under Value Care prefers his family/personal doctor to manage his care, what will be Value Care's resolution?

  • Value Care as much as possible, will advise the member that it is not appropriate on medical practice to have two doctors of same specialty managing his case at the same time.
  • If member insists, he has to pay the professional fee of the non-accredited doctor.
  • ValuCare will only cover prescriptions made by the accredited doctor.

For In-Patient case, if member/client fails to inform Value Care of his confinement in a hospital, what will be the consequences?

  • For all in-patient cases, the member or corporate account representative must inform ValuCare of his confinement for immediate assistance and endorsements.
  • Failure to inform ValuCare may result in delayed issuance of Letter of Authorization (LOA).
  • Some hospitals may ask for deposit.

Upon availing, accredited provider did not honor VC Card & decline accommodation?

  • Immediately call ValuCare Customer Service Hotline (02.702.3310) for assistance.
  • ValuCare Customer Service will ask for the nature of the member's case. If case can be covered by the program, ValuCare customer representative will call the provider to endorse immediate accommodation of the member.
  • For reasons outside the member's program, ValuCare upon receiving the complaint will immediately investigate the case through proper coordination with the accredited provider involve. Also provide feedback and/or resolution to member may it be in a verbal or written form as case requires.

If a member wants to know his present remaining Maximum Coverage Benefit (MCB) what will he do?

  • Contact ValuCare Customer Service Hotline (02.702.3310) or account officer-in-charge and request for your updated MCB computation.
  • ValuCare customer service representative or account officer-in-charge, after proper verification, will revert to client the requested information.

If a member (child or adult) is suspected or manifesting signs and symptoms of dengue illness but apparently ValuCare Coordinator demands that the case can still be managed on out-patient basis, can member insist to be admitted?

  • ValuCare Coordinator will base his professional advice depending on the results of laboratory tests requested to diagnose the illness of the member. Since ValuCare coverage is based on diagnosis and prescriptions best advised by accredited doctors, member must follow accredited doctor's order to manage the case on out-patient basis for continuous coverage by ValuCare.
  • General Exclusions & Limitations Article 6.5 Refusal to Comply with Treatment VALUCARE shall have no obligation to continue providing health care coverage to Planholders who refuse to comply with any treatment or procedure recommended by a VALUCARE Health Professional. (VALUCARE is also under no obligation to continue providing health care coverage to Planholders who refuse to be discharged from confinement after his/her attending VALUCARE Health Professional has recommended the discharge.)

What if surgical procedure is covered but during operation another surgical procedure was included and done the same time as medically advised by surgeon. What will be ValuCare's coverage and computation on Professional Fees and hospital charges?

  • ValuCare will coordinate with the hospital and secure Operative Records for proper evaluation.
  • If 2nd Procedure is not covered, ValuCare after proper evaluation of operative records will only cover all that pertains to the coverable procedure. Everything that is related with the other non-covered procedure will be paid by the member to the hospital upon discharge. If 2nd Procedure is covered, only Professional Fee will be considered as separate MCB. The 2nd procedure will share MCB on first as stated on *SPECIAL PROCEDURES� *The limits stated on medical modalities & special procedures are subject to MCB, Pre-Existing Conditions provisions, Exclusions & Limitations and antecedent expenses. The limit for procedures that may require confinement shall be inclusive of room & board, operating room charges, professional fees, and other incidental expenses relative to the procedures.

If VC Card is not available or has not been brought by member during availing, what will he do?

  • Immediately call ValuCare Customer Service (if possible) and ask for assistance or your membership code.
  • Clearly declare status of your ValuCare membership to ValuCare Plan Coordinator and present any valid ID (present membership code if available) for verification. � For emergency case, proceed directly to emergency room and declare you're a member of ValuCare. Emergency room personnel will call Valuecare Customer Service Hotline to verify your membership with ValuCare.

If member has applicable government subsidized discounts, will it be deducted on the Maximum Coverage Benefit (MCB)?

  • Applicable discounts will not be deducted from the Maximum Coverage Benefit computation.
  • Members are encouraged to avail discounts to maximize usage of their Maximum Coverage Benefit (MCB).

What if accredited doctor is requesting for additional /extra charge on Professional Fee of a procedure or treatment being covered by ValuCare?

  • Immediately contact ValuCare Customer Service Hotline (02.702.3310) for assistance.
  • ValuCare Accredited Providers must not asked for payment from member for services that are covered by the program except:
    1. member avail a higher room & board than his plan,
    2. on exceptional case wherein member approved and coordinated with ValuCare Office.
  • Members must not make pre-arrangements of payment with accredited doctors. Any agreement of payment made by the member with the attending accredited doctor before ValuCare's knowledge will not be Value Care's liability.

If member's running bill exceeds MCB, can member choose which to be covered by ValuCare whether Professional Fees or hospital bills?

  • Member may choose either since coverage of ValuCare is all-in for hospital bills and professional fees. However, it is recommended to allot ValuCare coverage to professional fees given that it's already negotiated rates based on Relative Value Units (to avoid charging of higher Professional Fees by doctors).

After a motorcycle accident with a third party involve, the member was the injured party but according to Police Report the member was the one at fault, will Value Care cover/reimburse the case after filing Deed of Subrogation?

  • No. ValuCare will only cover Motor Vehicular Accidents if Police Report indicates that member is not at fault (member must file Deed of Subrogation).

What if member has two heath card or medical coverage, can the member use 2 coverage at the same confinement?

  • No. Dual coverage/double indemnity is not allowed by the program. Member must choose only one card to be used per confinement.

Are all members entitled to Executive Check-up (ECU)? Is there a difference between Executive Check-up and Annual Physical Exam (APE)? What are the differences between the two?

  • Not all members are entitled to executive check-up. Unless the members has this provision.
  • Yes, Executive Check-up varies from Annual Physical Check Exam:
    1. Annual Physical Exam (APE) is a yearly basic preventive medical routine compose of doctors assessment base on the medical history, complete blood count, chest X-ray, urine exam, stool exam, electrocardiogram (ECG) & pap smear for 35 years old and above, while, Executive Check-up (ECU) has more numerous & extensive sets of medical procedures usually covering all body systems.
    2. Annual Physical Exam is done in an accredited clinic (few cases scheduled in accredited hospital if no accredited clinic is nearest within particular area in province) while Executive Check-up is done in an accredited hospital. Both APE and ECU are scheduled.

In operations where skin grafting is required as a part of the medical treatment, would ValuCare cover the cost of the procedure?

  • If it is deemed necessary by the attending accredited doctor and the case does not fall under Exclusions and Limitations, ValuCare will cover the procedure subject to program's coverage of diagnosis.

If vaccination is the only treatment for an emergency case would ValuCare cover the cost of the vaccines (e.g. snake bites, anti-rabies)? Does the exclusion only apply to "preventive" vaccines?

  • It is part of Program's Exclusions & Limitations that no health care benefits shall be paid for "(x) Vaccines, Screening Test, allergy including desensitization tests and treatment materials".
  • Cost of vaccines (eg. anti-venom, anti-rabies) will be covered if included in the program. If it is not included in the program, neither preventive nor emergency cases will not be paid by ValuCare (only the administration of vaccine will be covered).

Are there any limitations on X -RAY coverage?

  • Actual cost of X-ray is covered by the program subject to Maximum Coverage Benefit (MCB), Pre-Existing Condition (PEC) Coverage, and Exclusions & Limitations.

If we member was misinformed about the reimbursement process from an accredited doctor's office who will be held liable?

  • ValuCare is the best authority to contact for its accurate reimbursement procedures and correct information on member's program. ValuCare Plan Coordinator and Accredited Doctors were accredited primarily to provide quality healthcare to member and not trained for internal procedures of ValuCare Office.
  • ValuCare will not be held liable for misinformation caused by it's accredited providers nor any party not employed by ValuCare.
  • General Exclusions & Limitations � 6.4 No Liability "VALUCARE shall not be liable for any defaults, failures to assist, or delays in the delivery of services herein provided which are due to causes beyond its control, including, but not limited to, acts or any order of government, fires, floods, epidemics, complete or partial destruction of hospital or medical facilities, civil disturbances, strikes and other labor disputes, unduly severe weather, or incidents of war. VALUCARE shall, however, continue to exert its best efforts to provide health care services to the Member insofar as circumstances will allow."

If a case is not clearly specified in the exclusions list under the statement of benefits, would Valucare reimburse payment for the medical service if the policy holder had to pay initially?

  • ValuCare will only reimburse medical expenses paid by the member during emergency base on the member's plan. Also on condition that the case is not included in the list of exclusion and limitations.

If the visit to the ER resulted to an incomplete diagnosis and requires multiple visits to the hospital, would the policy holder need to pay for the medical expenses until a complete diagnosis is provided by the physician?

  • ValuCare base its coverage on the diagnosis given by the attending accredited doctor. If there's no diagnosis yet established, ValuCare will not cover the case.
  • The member may file for reimbursement once diagnosis has been given and and the case can be covered the program (ValuCare reimbursement procedures apply).

What is the reimbursement procedure for disputed claims that was previously declined? Is there a cut-off time for this?

  • ValuCare will provide notice for disapproved reimbursement claim. The member must then submit a letter of appeal within 7 days from receipt of notice stating the reasons including any documents to justify his claim.
  • ValuCare will then re-evaluate the petition and provide feedback within 15 working days upon receipt of such.
  • Member has 30 days, if case is within Metro Manila (60 days if provincial), from date of discharge to file for reimbursement. Filing reimbursement after prescribe period will invalidate the claim.

What if the hospital has a cash basis policy for some of the procedures even if they are recommended by an accredited doctor?

  • If it is the policy of the accredited hospital that certain procedures must be on cash basis, then member may opt to choose:
    1. Avail the procedure in same hospital and pay cost of procedures as required by hospital.
    2. Call ValuCare Customer Service Hotline (02.702.3310) for endorsement to other nearest accredited clinic or accredited hospital that allows outright HMO coverage for such procedures.
  • General Exclusions & Limitations Article 6.6 � Hospital Policy states: "Hospital care services shall be subject to the rules and regulations of the Accredited Hospital."

Is it true that I need to pay for the professional fees of accredited Neurologist, EENT and Urologists? If there is a recommended procedure, should I also pay for the cost?

  • Call ValuCare Customer Service Hotline (02.702.3310) for assistance.
  • Normaly Neurologists practicing in Philippines do not accept accreditation from HMO provider. But ValuCare Customer Service representative, as much as possible, will seek arrangements with our partnered Neurologists for coverage of member's case.
  • ValuCare has accredited EENT and Urologist wherein cases under their management will be covered by ValuCare Program.

Who determines the hospital visit as emergency?

  • The attending doctor determines whether case is an emergency or not.
  • ValuCare Health Service Agreement defines Emergency Condition as
    "A life threatening or serious accidental injury of a sudden and unexpected onset of a condition which at time of the occurrence reasonably appears to have the potential of causing immediate disability or death. These illnesses or injuries require urgent medical or surgical care which the Planholder secures immediately after the onset."

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