Terms of Service
Mga Tuntunin ng Serbisyo
Please read these terms carefully before using the Homesure Health Plan platform. By using our services, you agree to be bound by these terms.
1. Acceptance of Terms
Welcome to Homesure Health Plan ("Homesure," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, mobile applications, and health insurance services (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.
Important Notice
These Terms include provisions regarding dispute resolution through Philippine courts and limitations of liability. Please read them carefully.
2. Service Description
Homesure is a health insurance management platform that provides:
- Health insurance plan enrollment and management
- Online application processing for HMO coverage
- Premium payment processing and invoicing
- Digital policy documents and ID cards
- Member portal for account management
- Agent and affiliate management tools
Available Plans
60K Health Plan
Ward, Semi-Private room options
100K Health Plan
Ward, Semi-Private, Private room options
Underwriter
All Homesure health plans are underwritten by Philcare Inc., a duly licensed Health Maintenance Organization (HMO) in the Philippines, regulated by the Insurance Commission.
3. User Eligibility
Age Requirements
Principal Members
18 to 65 years old at the time of enrollment
Dependents
15 days to 65 years old
Residency Requirements
- Must be a resident of the Philippines
- Must have a valid Philippine address for policy delivery
- Coverage is limited to accredited facilities within the Philippines
Health Requirements
- Subject to pre-existing condition (PEC) evaluation
- Full disclosure of medical history is required
- Homesure and Philcare reserve the right to decline coverage
- Certain conditions may be subject to waiting periods or exclusions
4. Account Responsibilities
When you create an account with Homesure, you agree to:
Accurate Information
Provide true, accurate, and complete information during registration and application
Account Security
Maintain the confidentiality of your password and immediately notify us of unauthorized access
Single Account
Maintain only one account per person; duplicate accounts may be terminated
No Account Sharing
Not share your account credentials with others or allow unauthorized access
Update Information
Promptly update your information if it changes (address, contact details, etc.)
5. Application Process
Application Submission
- Complete the multi-step application form with accurate information
- Upload required identification documents
- Disclose complete medical history for yourself and all dependents
- Review and confirm your application details
- Applications are auto-saved and can be resumed within 7 days
Application Review
- Applications are reviewed by our underwriting team
- Processing typically takes 3-5 business days
- Additional documentation may be requested
- You will receive email notification of approval or rejection
Reservation of Rights
Homesure and Philcare Inc. reserve the right to approve, reject, or modify any application at our sole discretion based on underwriting criteria.
6. Payment Terms
Payment Methods
We accept payments through DragonPay, which includes:
Payment Schedules
Monthly
Due every month
Quarterly
Due every 3 months
Semi-Annual
Due every 6 months
Annual
Due once a year
Late Payment Policy
4-Day Grace Period
Coverage continues during this period after payment due date
After 4 Days
Policy is terminated for non-payment; 1-year waiting period for new enrollment
7. Coverage & Benefits
Coverage details are governed by your specific plan and policy documents. For complete benefit information, please refer to:
- Your Certificate of Coverage (provided upon approval)
- Plan benefit schedule on our Plans page
- Philcare member handbook
General Coverage Includes
Common Exclusions
8. Claims Process
Cashless Claims (Accredited Facilities)
- Present your Homesure ID card at the accredited hospital
- Hospital coordinates directly with Philcare for approval
- Pay only non-covered expenses, if any
Reimbursement Claims
- Pay for services at non-accredited facilities
- Submit claim form with receipts within 90 days
- Claims processed within 15-30 business days
- Reimbursement based on Philcare schedule of benefits
For claims assistance, contact Philcare Customer Service at their 24/7 hotline or visit any accredited hospital's Philcare coordinator.
9. Cancellation & Termination
Member-Initiated Cancellation
- You may cancel your coverage at any time
- Written notice required (email to Homesureph@gmail.com)
- Cancellation effective at end of current billing period
- Outstanding balances must be settled
Provider-Initiated Termination
We may terminate your coverage for:
- Non-payment of premiums (after 4-day grace period)
- Fraud or material misrepresentation in application
- Violation of these Terms of Service
- Abuse of benefits or fraudulent claims
Upon Termination
- Coverage ends immediately or at end of paid period
- ID cards become invalid and must not be used
- Outstanding claims before termination will be processed
- Account access remains for records (read-only)
10. Intellectual Property
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, and software, are the exclusive property of Homesure and/or Philcare Inc. and are protected by Philippine and international intellectual property laws.
Prohibited Uses
- Copying, reproducing, or distributing any content without permission
- Using our trademarks or logos without written consent
- Reverse engineering or attempting to extract source code
- Using automated systems to access or scrape our Services
11. Limitation of Liability
To the maximum extent permitted by Philippine law:
- Homesure and Philcare shall not be liable for any indirect, incidental, special, consequential, or punitive damages
- Our total liability shall not exceed the premiums paid by you in the 12 months preceding the claim
- We are not liable for delays or failures due to force majeure events
- Medical decisions remain with healthcare providers; we do not provide medical advice
Disclaimer: Coverage limits and exclusions in your policy documents govern benefit amounts. This platform is an administrative tool and does not modify your insurance contract.
12. Indemnification
You agree to indemnify, defend, and hold harmless Homesure, Philcare Inc., and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:
- Your violation of these Terms
- False or misleading information provided in your application
- Unauthorized use of your account
- Your violation of any third-party rights
- Fraudulent claims or misuse of benefits
13. Dispute Resolution
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to conflict of law principles.
Dispute Process
- Informal Resolution: Contact us first to resolve the issue amicably
- 30-Day Notice: Written notice of dispute with 30 days to cure
- Mediation: Voluntary mediation through Philippine Dispute Resolution Center
- Arbitration/Litigation: Unresolved disputes may proceed to court
Jurisdiction
Any legal action shall be brought exclusively in the courts of Makati City, Metro Manila, Philippines, and you consent to the personal jurisdiction of such courts.
14. Amendments
We reserve the right to modify these Terms at any time. When we make changes:
- We will update the "Last Updated" date at the top of this page
- For material changes, we will notify you by email at least 30 days in advance
- Continued use of our Services after changes take effect constitutes acceptance
- If you disagree with changes, you may cancel your coverage before the effective date
15. General Provisions
Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and your policy documents, constitute the entire agreement between you and Homesure.
Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Assignment
You may not assign or transfer your rights under these Terms. We may assign our rights to any affiliate or successor.
16. Contact Information
If you have any questions about these Terms of Service, please contact us:
Homesure Health Plan
Philcare Inc. (Underwriter)
By using Homesure, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.