The sad current state for Filipinos is that very few of us can afford an HMO (Health Maintenance Organization) coverage, and even among those who can, few choose to do so.

According to surveys, only 4% of Filipinos enjoy HMO coverage, and the bulk of that small percentage have that coverage as a corporate benefit from their employers.  The reality for most Filipinos is that if and when a major health crisis does occur, they simply aren’t prepared; and the resulting cost of the emergency is all too often “back breaking”.

In an effort to reach out to the vast majority of Filipinos who don’t have HMO coverage, PhilCare did something unprecedented- they conducted a survey, and among the questions they asked Filipinos was:  How much can you afford to spend on healthcare annually?  Based on the answers Filipinos gave, PhilCare came up with the first line of prepaid health cards in the Philippines.

Prepaid Health Cards

Few things are more devastating than an unexpected family healthcare crisis, that is why among PhilCare’s prepaid cards, one of the most popular products is the ER Vantage line.  With products for both children and adults, ER Vantage cards will cover the bearer for a single use or a period of one year, whichever comes first.

ER Vantage gives you a one-time coverage for emergency room care and hospitalization expenses, inclusive of Doctors’ fees, Laboratory and diagnostic procedures, Room and board (regular private room) Medicines (except vaccines) as medically necessary during confinement except for cases declared as non-coverable, Special modalities of treatment which are medically necessary during ER and confinement and subject to standard inner limits, Diagnostic and therapeutic procedures as medically necessary during ER and confinement.

Emergency cases are the sudden, unexpected onset of illness or injury, which at the time of contract reasonably appeared as having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort.

Emergency cases include but are not limited to Massive Bleeding; Acute Appendicitis; Fractures/multiple injuries secondary to accidents; Convulsions; illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and Syncope. Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered.

In addition, ER Vantage comes with a death of dismemberment payout.

Prices for ER Vantage for adults range from 1,050 to 4,950 pesos, amount of coverage is between 40,000 to 80,000 pesos depending on the ER Vantage card/voucher purchased.  For kids the prices range between 2,950 to 4,950 pesos.

For more details in the ER Vantage Plus, go to:  http://shop.philcare.com.ph/index.php?route=product/search&search=er%20vantage%20plus

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Writer, Wanderer, Child of God


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