Pacific Cross hotline, claims and licence
Pacific Cross Health Care, Inc. is an HMO (health maintenance organization). It was formerly Blue Cross Health Care, Inc.. One other company on the IC lists shares the name, each with its own licence.
Licensed. Certificate of Authority no. HMO-2026-02-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱366.8 million was the 14th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 71 centavos in members' health care and claims (₱259.5 million ÷ ₱366.8 million, IC HMO statistics).
- Head Office Makati (Member Hotline)+63 2 8230-8511
Pacific Cross hotline and claims
| info@pacificcross.com.ph |
From Pacific Cross's contact page.
Pacific Cross claims page · Accredited hospitals and clinics
- Claim refused or unpaid: the Insurance Commission regulates Pacific Cross and sets the rules for adjudicating HMO claims, so the complaint goes to the IC.EO 192 sec. 4(a)
- If the HMO fails: the IC can appoint a conservator, receiver or liquidator to protect members.EO 192 sec. 4(e), 4(i)
Complaints
- Write to Pacific Cross first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
Pacific Cross products and plans
- Medical Plans
- Travel Plans
- Prepaid Medical Plans
- Personal Accident Plans
- Agreement Services Only (ASO)
- BC Flexi Access
- FlexiShield
IC records
| Revenue, 2025 (IC) | ₱366.8 million, 14th of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱259.5 million |
This company shares the Pacific Cross name but hold separate licences. Your contract shows which one you deal with.
| Pacific Cross Insurance, Inc. | non-life insurer, 2025/45-R |
|---|
Company details
- Licensed company
- Pacific Cross Health Care, Inc.
- Certificate of Authority
- HMO-2026-02-R
- Former name
- Blue Cross Health Care, Inc.
- Official website
- pacificcross.com.ph
- Licensed for: prepaid health care plans: agreed health services for enrolled members, for a fixed fee paid in advance for a set period.EO 192 sec. 2
- Licence: every HMO needs a licence to operate from the Insurance Commission, which issues, renews, suspends and revokes HMO certificates.EO 192 sec. 4(b), 5
- Not an insurer: life insurance comes from a company on the life list, under a different licence.
How tax applies to the plan
- Premiums you pay: employees on pure compensation income cannot deduct HMO or health insurance premiums. Since TRAIN, Sec. 34 allows them no deductions, and the old ₱2,400 health premium deduction is gone. Self-employed people and businesses work under the business-expense rules instead. See health insurance for the self-employed.NIRC Sec. 34 as amended by RA 10963, from Jan 1, 2018
- Worked example: an employee on salary only pays ₱15,000 a year for a family HMO plan. Deduction allowed on the income tax return: ₱0, so taxable income stays the same (Sec. 34 as amended by TRAIN).
Before you sign or pay
- Match the company and number. Your contract should name Pacific Cross Health Care, Inc. and the licence number shown at the top of this page.
- Ask for the seller's IC licence. Ask which HMO they represent and confirm it with Pacific Cross.
- Pay Pacific Cross Health Care, not a person. Keep the official receipts issued in Pacific Cross Health Care's name.
Questions
Is Pacific Cross legit?
Yes. Pacific Cross Health Care, Inc. is licensed by the Insurance Commission (licence HMO-2026-02-R). A genuine contract names Pacific Cross Health Care, Inc. and that number.
What is the Pacific Cross hotline?
+63 2 8230-8511 (Head Office Makati (Member Hotline)), as printed on pacificcross.com.ph.
How do I file a claim with Pacific Cross?
Start from the claims page on pacificcross.com.ph, which lists the forms and documents for each claim type. If the HMO refuses or delays, complain to the Insurance Commission, which adjudicates HMO claims under EO 192.
Which hospitals accept Pacific Cross?
Pacific Cross keeps its list of accredited hospitals and clinics on its own site, pacificcross.com.ph. Check it before a planned visit, because networks change.
Is Pacific Cross the same company as Blue Cross Health Care, Inc.?
Yes. The IC list prints Blue Cross Health Care, Inc. as its former name, so policies issued under that name sit with Pacific Cross Health Care, Inc.