Insurance Disclosure and Disclaimer

PhilInsurers is owned and operated by an affiliate Insurance Agent for the purpose of helping individuals, families, and businesses evaluate and compare health insurance and healthcare coverage options that may be available to them.

We are not an insurance company, insurance underwriter, healthcare provider, or claims administrator. We do not issue, underwrite, approve, guarantee, or administer insurance policies. Final decisions regarding eligibility, coverage, premiums, benefits, exclusions, underwriting, and claims are made solely by the applicable insurance company, HMO, or other insurance provider.

Information Provided for General Information Only

The information presented on this website, including descriptions of plans, benefits, coverage amounts, premiums, comparisons, articles, recommendations, and other materials, is provided for general informational purposes only.

Information may change over time and may not reflect the most current terms, conditions, underwriting guidelines, pricing, exclusions, limitations, or availability of a particular insurance product.

You should not rely solely on information presented on this website when making an insurance or financial decision.

Before purchasing any insurance product, you should carefully review the official policy documents, contracts, brochures, benefit schedules, exclusions, limitations, underwriting requirements, and other materials provided by the applicable insurance provider.

How Recommendations Are Made

When you provide information about your healthcare needs, budget, family situation, preferences, and other relevant circumstances during a consultation or meeting, we may use that information to identify and present insurance solutions that we believe may be suitable based on the information available to us at that time.

Any recommendation or comparison we provide is based on the information you voluntarily provide and the products, rates, benefits, and information available to us at the time of the consultation.

A recommendation is not a guarantee that a particular insurance product is the best, most suitable, or most appropriate option for you.

Your circumstances may change, and the information you provide may be incomplete or may not reflect all factors relevant to your insurance needs.

You remain solely responsible for reviewing the available options and determining whether a particular insurance product is appropriate for you.

Your Due Diligence

We strongly encourage you to exercise your own due diligence before applying for or purchasing any insurance product. This includes verifying:

• The insurance company's identity and licensing status
• Policy benefits and coverage limits
• Premiums and applicable fees
• Waiting periods
• Pre-existing condition provisions
• Exclusions and limitations
• Hospital and healthcare provider networks
• Eligibility and underwriting requirements
• Renewal provisions
• Claim requirements and procedures
• Any other terms and conditions applicable to the policy

You should obtain and carefully review the official policy documents from the applicable insurance provider before making a final decision.

No Guarantee of Coverage or Claims

Submitting an inquiry, receiving a recommendation, comparing plans, or completing an application does not guarantee that you will qualify for coverage.

Insurance providers independently determine eligibility, underwriting decisions, premiums, coverage terms, exclusions, and claims.

We do not guarantee that an insurance provider will approve your application or that a particular treatment, medical expense, condition, or claim will be covered.

Limitation of Responsibility

To the fullest extent permitted by applicable law, PhilInsurers and its owner, operators, affiliates, representatives, and agents shall not be held responsible or liable for any loss, expense, damage, claim, denial of coverage, denial of a claim, change in premium, change in policy terms, underwriting decision, eligibility determination, or other consequence resulting from your decision to apply for, purchase, maintain, modify, or cancel an insurance product.

Any decision you make regarding an insurance product is ultimately your own decision.

PhilInsurers is providing information, comparisons, and recommendations based on the information you provide and the products and information available at the time of your consultation. We are not making the decision for you.

You acknowledge that you have the opportunity to conduct your own research, ask questions, review the applicable policy documents, and seek independent professional advice before making a decision.

Compensation and Affiliate Disclosure

Because PhilInsurers is operated by an affiliate Insurance Agent, we may receive compensation, commissions, or other remuneration from an insurance provider when a customer applies for or purchases certain products through us.

The availability of compensation may create a potential conflict of interest. We therefore encourage you to consider the actual benefits, costs, limitations, exclusions, and suitability of each product rather than making a decision solely because a product has been presented or recommended through this website.

Our goal is to help you identify a solution that reasonably fits the information and needs you have communicated to us. However, you are responsible for making the final selection.