Pacific Cross launches second layer health insurance with FlexiShield

Published on: 20/03/2022

Enjoy enhanced protection against life’s uncertainties with Pacific Cross!

Leading medical and travel insurance provider Pacific Cross introduces FlexiShield, a second layer plan designed to meet clients’ needs in case their medical insurance or HMO reaches its maximum benefit limit.

“An illness in the family has an impact both on an individual’s health and their finances. Some medical conditions, especially those that require confinement, can become quite costly to treat,” shares Mr. Victor Tanjuakio, President and Chief Executive Officer of Pacific Cross. “We hope to help ease some of the worries that come with situations like these with FlexiShield.”

FlexiShield is a top-up coverage that fully complements existing HMO plans. As such, its premium is more affordable compared to stand-alone medical plans. It extends the in-patient coverage upon exhaustion of the existing and active first layer HMO Plan’s Maximum Benefit Limit.

Members of corporate accounts, individuals and families who are already covered by an HMO Plan can avail of FlexiShield.

Benefits include up to PHP2 million coverage, Daily Hospital Income for non-hospital expenses, flexible availment options (no-cash-out or reimbursement), telehealth services and coverage for COVID-19. In-patient charges, such as required diagnostic laboratory tests; prescribed medicines; anesthesia and surgical appliances; Intravenous Chemotherapy, Radiotherapy and Dialysis are also part of the plan’s benefits as covered by the first layer HMO plan. Hospital expenses incurred after the first layer HMO plan’s maximum benefit limit has been exhausted will be covered.

“We hope that with the benefits that FlexiShield offers, we are able to give clients the peace of mind they need so they can focus on getting better,” concludes Mr. Tanjuakio.

For more information on FlexiShield, visit

About Pacific Cross

Pacific Cross is a leading medical and travel insurance provider in the Philippines. As Pacific Cross is here to find ways to best serve clients during times of need, they continue to supersede their standard exclusion on pandemics for their Medical Plans and will provide coverage for COVID-19. Pacific Cross is also providing COVID-19 coverage for travelers through its Travelsafe Insurance Plans. Pacific Cross reserves the right to review and limit coverage and/or impose the exclusion on pandemics at any time.

For more details on Pacific Cross products and services, please visit, e-mail, call +63 2 8230-8511 or follow PacificCrossPH on Facebook.