Easy Health Insurance Plan

Easy Health Insurance Plan has got you covered so you are ready for unforeseen medical expenses. Your room & board fees including other hospital charges will be taken care of in case of hospital confinement due to covered conditions by the program. This plan is exclusively available to RCBC Credit Cardholders.

Enjoy the following benefits with Easy Health Insurance Plan:

Cashless transactions to over 300 accredited hospitals nationwide

Easy enrollment process with no medical exams required

Easy and affordable plans for as low as ₱310/month. Payments will be conveniently charged to your RCBC Credit Card.

Explore our FAQs

Easy Health Insurance Plan pays for medical expenses arising from hospital confinements due to sickness, natural causes, or accidents, up to the maximum limits indicated in your chosen plan’s Schedule of Benefits.

  1. Room and Board. Pays for the room & board charges per day of hospital confinement, up to a maximum of 31 days, and should not exceed the maximum limits indicated in your plan’s Schedule of Benefits
  2. Medical Services. Pays for actual hospital charges for the duration of the hospital confinement at an accredited hospital, up to the maximum benefit limit (MBL) indicated in the chosen plan. The MBL is per illness per year of coverage, and shall cover the following:
    1. Special Hospital Services
      i. Special Hospital Services such as laboratory tests, diagnostics services, drugs and medicines taken during the hospitalization, anesthesia, etc.
      ii. Emergency cases for immediate treatment and will not lead to hospital confinement.
      iii. Diagnostic Procedures such as 2D Echo, CT Scan, Electrocardiogram (ECG), Magnetic Resonance Imaging (MRI), Mammography, Fluorescein Angiogram, among others.
    2. Surgical Expenses
    3. Anesthesiologist’s Fee
    4. Physician’s Visits
    5. Specialist’s Fee
    6. Ambulance Fee

NOTE: The benefits indicated herein are just product highlights and are subject to the terms, definitions, and exclusions indicated in the Policy Contract. In case of discrepancy, the provisions of the Policy Contract will prevail.

Here are the different plans available to best fit your needs:
Up to P300,000* in hospitalization benefits for only P34/day

Maximum Benefit Limit (MBL) per Sickness or Injury Per Year₱10,000₱25,000₱25,000
Daily Room and Board**₱1,000
₱2,500₱2,500 ₱2,500
Easy Monthly Premium*₱310 equivalent to ₱10/day
₱670 equivalent to ₱22/day
₱830 equivalent to ₱27/day
 ₱1,060 equivalent to ₱34/day

*Assuming 3 hospitalizations due to illness or injury per year
**Maximum of 31 days subject to MBL
Benefits of the plan are subject to the provisions, definitions and exclusions stated in the policy contract

It is an annually renewable coverage but premiums are charged monthly. The monthly premium of your chosen plan will be automatically charged to your nominated RCBC Credit Card on a monthly basis.

Your coverage will take effect upon successful billing of the first monthly premium to your nominated RCBC Credit Card. Premiums are automatically charged monthly and coverage is automatically renewed every year. As long as the premiums are successfully billed, cardholders are covered up to age 65.

You will receive a Confirmation of Cover via email as proof of coverage and a Network Card will be sent to your billing address within 10-15 working days which you may present to the hospital upon confinement.

Your coverage will automatically renew every year and will end on the earliest of any of the following:

  • When your RCBC Credit Card is cancelled;
  • When you choose to terminate your coverage;
  • When your RCBC Credit Card does not have enough available credit limit to cover the premium
  • When your RCBC Credit Card is blocked
  • When you reach your 65th birthday

We want you to enjoy the benefits of the Easy Health Insurance Plan. However, you may still cancel your plan provided that there are no claims made on your account within the policy year. Cancellation request can be coursed through RCBC Credit Cards Customer Service hotline at (02) 8888-1888.

You may contact Sun Life Grepa Group Medical Services through the following channels to arrange your hospital admission and prepare your Letter of Admission (LOA):

  • Landline Numbers: (02) 8866-6830/(02) 8866-6840/(02) 8866-6330/(02) 8866-6850/(02) 8866-6340
  • Email: SLGFI-MedicalServices@sunlifegrepa.com

There are over 300 partner or accredited hospitals nationwide, a copy of the list can be downloaded here.

The Terms and Conditions of the Sun Life Grepa Easy Health Insurance Plan are governed by the Group Master Policy contract, a copy of which can be  downloaded here. In case of conflict between the Terms and Conditions and Declarations and Group Master Policy contract, the Group Master Policy contract shall prevail.

Hospital confinement arising from the following are not covered:
  1. Functional disorders of the mind/psychiatric illness such as but not limited to anxiety and depression;
  2. Non-surgical care for tuberculosis/rest cures/PTB medicines;
  3. Congenital anomalies;
  4. Hospitalization related to medical exam or check-ups not required in connection with the treatment of Sickness or Injury, e.g., sleep apnea test;
  5. Examination of the eyes for the glasses;
  6. Dental examination, extractions, fillings, and general dental attention;
  7. Drug addiction or alcoholism;
  8. Treatment for communicable disease in epidemic proportions (to be determined by the Department of Health) requiring isolation or quarantine, e.g., smallpox, Severe Acute Respiratory Syndrome, and any form of venereal disease;
  9. Injuries due to insanity;
  10. Injuries resulting from committing or attempting to commit any illegal act;
  11. Self-inflicted Injuries whether sane or insane;
  12. Special nursing care/physician care;
  13. Hospital Related Benefits not in accordance with the diagnosis and treatment of the conditions for which Hospital Confinement is required;
  14. Radium/X-ray/Chemotherapy, radium and isotopes;
  15. Plastic surgery for any condition existing on the effective date of this benefit; except if due to accident to restore to normal function;
  16. Cosmetic surgery for purposes of beautification except treatment of Injury sustained in an accident while covered;
  17. Any services or supplies for which no payment is required on account of the covered Member receiving them;
  18. Circumcision, sex transformation, diagnosis and treatment of fertility or infertility (i.e., IVF), such as oral contraceptives, artificial insemination, sterilization or reversal of such;
  19. Injuries due to war (declared or undeclared) insurrection, riots, rebellion, civil commotion or hostile action of armed forces;
  20. Injuries due to any aviation or marine activities except while the Member is riding as a fare paying passenger in an air or marine device operated by a duly licensed commercial airline or shipping line on a scheduled passenger trip over its established passenger route, or scheduled air service over an established route;
  21. Immunizations, (cost of vaccine, allergens and determination of susceptibility);
  22. Laser treatment for the purpose or corrective eye refraction;
  23. Purchase or lease of durable medical equipment, and oxygen dispensing equipment;
  24. Expenses for any kind of the following: Extra bed or pillow, Extra tray or food, Rental of any entertainment equipment or facility, including televisions sets, radios, and audio player, Charges for copies of hospital record, Newspaper, Telephone calls/cellular phone calls/other electronic gadgets/WiFi (except if free), Acete de mansanilla, efficascent oil, valda pastilles, sebo de macho, soap for skin disease and the like, and Other similar charges not related to the direct medical treatment of the patient
  25. Medical or surgical procedures which are experimental in nature or not generally accepted as standard medical treatment by the medical profession, which may include but is not limited to chiropractic services, chelation therapy, herbal treatment and acupuncture;
  26. All expenses incurred by the Member in the process of organ donation and transplantation, unless the Member is the recipient of such donation or transplantation;
  27. Routine physical examinations required in school, insurance and government licensing, physical examination related to pre-employment, visa application and the like; or
  28. Expenses in connection with pregnancy resulting in childbirth, miscarriage (abortion) or caesarean section, pre-natal or post-natal care or and services and supplies performed or prescribed on account of the following complications or pregnancy:
    Toxemia of pregnancy, Eclampsia of pregnancy, Extra-uterine pregnancy, Hyperemesia gravidarum, Hydatidiform Mole, Ectopic Pregnancy, Disseminated Intravascular Coagulation (D.I.C.)

    *The product is not owned by nor managed by us.