PhilCare ER Vantage 80 – Aiming to help the Filipinos cope up with the continuous annual premium increase in availing a basic health aid package, the HMO Philippines sector levelled-up their coverage of services by coming up with prepaid offers.
For any healthy individual, getting a health card with a huge annual premium becomes impractical. Considering the minimum premium of 1,000/month for a basic health coverage, an individual could spend around 12,000 annually per person. Today, PhilCare sets the pace for the industry not only with the reliable in-patient and outpatient health care it provides, but also with the total wellness and healthy living it actively promotes—in an affordable manner.
When I was working full-time as a financial consultant in a BPO firm, paying for my childrens’ health insurance premium every payout was really a burden on my pocket.
But I had no choice thinking that any emergency sickness or hospitalization will give more strain and impact the family’s budget.
Thanks to one of the leaders in HMO Philippines, PhilCare revolutionized their health aid products by coming up with prepaid emergency cards.
Philcare prepaid health cards
Just what I needed right?
Yeah, with PhilCare’s ER Vantage cards, I will not only save Php 2,000 monthly (that’s 24,000 annually compare to 1,300 x2 one-time payment!!) but will also free myself from the worries of unexpected expenses from any sudden sickness or hospitalization.
It’s so easy to purchase and I simply did it online. I just visited PhilCare’s official website and checked the ER Vantage card options. It’s their contribution to meet the healthy Filipino’s changing needs. PhilCare understands that being healthy means more than not getting sick; it also means getting you and your family prepared for any emergency.
With prices ranging from P900 to P1,300, individuals 6 months to 64 years old can avail of the benefits of ER Vantage. Upon text registration, the card will be activated within a 7-day period. The benefit of the card runs for an entire year where the registered can avail of the emergency hospitalization at any of PhilCare’s affiliate hospitals and clinics nationwide.
ER Vantage health cards come in three variants that individuals can choose from depending on their preferences and needs. For a one-time payment of P900, P1,100, or P1,300, users can avail of P40,000.00 up to P80,000.00 worth of emergency hospitalization expenses.
I chose PhilCare ER Vantage 80:
ER Vantage 80
- The ER Vantage 80 prepaid card is a one-time use emergency care leading to admission health card for individuals 6 months to 64 years old. Private Room. Single-use.
- The card covers the patient’s emergency room care such as expenses for room and board, and necessary diagnostic and therapeutic procedures.
- INCLUDES:
- P80,000 coverage for emergency room care and hospitalization inclusive of doctors’ fees, laboratory and diagnostic procedures, room and board, and medicines (except vaccines) as medically necessary during confinement except for cases declared as non-coverable**
- Covers special modalities of treatment as medically necessary during ER and confinement and subject to Php 5,000 inner limit
- Inclusive of diagnostic and therapeutic procedures as medically necessary during ER and confinement
- Covers hospital emergency care for animal bites except vaccines
- Room and board: Private room
- No hospital deposit required
- Access to 400+ accredited hospitals nationwide (www.philcare.com.ph/erhospitals)
- No medical examination required to apply
- Hassle-free SMS registration
- HOW TO USE:
- Activate: Register your card through SMS indicating the person’s name to be covered, birth date, gender, and birthplace. The card can be used after 7 days from successful registration.
- Avail: Present the card with a valid identification to the emergency room staff at any PhilCare accredited hospital for the ER card.
- ELIGIBILITY: 6 months to 64 years old
- VALIDITY: Valid for one (1) year upon date of activation. One-time use.
- Emergency cases covered by ER Vantage health cards are sudden, unexpected onset of illness or injury which at the time of availment reasonably appeared as having the potential of causing immediate disability or death or requiring immediate alleviation of severe pain or discomfort. Examples of these are dengue, typhoid fever, leptospirosis, pneumonia, acute gastroenteritis.
For more details, visit PhilCare’s official website:
Looks a nice and helpful services I would love to avail this card for my family.
Pwede po bang gamitin din ito sa check up and laboratory or confinement only?
It’s such a great idea to have a prepaid emergency card! Thanks for sharing!
Proper insurance is a huge part of receiving proper medical care. It seems that in today’s world, if you do not have good insurance coverage you will not have good health care.
This is the first time that I’ve heard of this. I will talk to my sister in the Philippines about this so she could check it out.
I’m going to have to check more in to this. This sounds great. I love a good discount. I try to find deals wherever possible.
Wow, this is really a very helpful service. I would to avail this card for my family. Thank you!
This looks like a really helpful program! Emergency visits are so expensive!
This sounds like a great thing for emergencies.
Sounds complicated! Ours is too over here. Our health care system is a total joke.
This is really interesting – it sounds like would be perfect for people to help them feel more secure.
Hi everyone, just wanna share my experience sa ER Vantage 80 of PhilCare which I just recently bought August 2016 for 1,300 pesos:
Na admit ang 5 yrs old daughter ko Oct 5, 2016 @ 9:30 pm.
Ward (1,240 per day) palang available kasi punuan, pinatos ko na kasi para magamot na agad ang baby ko nagpareserve nlng ako private room in case may magdischarge na…the ff day nakalipat na kami sa private room (1,585 per day) kasi un nmn talaga benefit sa er vantage 80. Pneumonia ang sakit ni baby and as per Philhealth dapat naka confine ng 96 hrs para macovered nila…
So, Oct 9, 2016 @ 9:30 pm kami nakalabas…
My Total Bill: 35,111.00
PhilHealth coverage : 15,000
PhilCare coverage: 19,764.50
My Excess: 346.50
Yes, 346.50 lang binayaran ko… i figured out kung san galing ang excess sa Room and Board pala…
Upon comoutation, dapat pala di lalamaps sa 1,400 pesos ang private room na kukunin mo… ung sakin kasi 1,585 🙂
Galing ng card, sulit na sulit pero mas ok sana na ndi na nagamit…kukuha sana ulit ako for my daughter but unfortunately, since September 15, 2016 ginawa na nilang 18-64 yrs old from 6 months to 64 yrs old.
Health Vantage nlng kukunin ko… same benefits pero multiple use sya, pwede sa 6 months
Thank God at nagpapalakas nalang ang baby ko…
Hi Cath! Thank God that you’re daughter was out of the hospital already. Hope she recover soon. So glad that this card had helped you and thanks so much for sharing. Feel free to share the link to so that others will be able to know about the Philhealth card and how it could also help them. God bless you!
This is great but it seems that Philcare is not offering ER Vantage 80 on their website: https://www.philcare.com.ph/product-category/emergency-care-and-hospitalization/
I purchased the ER Shield card for P 800, which I hope I don’t ever get to use.
Hi there, m and sol. Thank you for sharing your ER Vantage card online purchase experience. I’m happy to let you know that we have just launched its new version ER Vantage Plus (now with 50K accidental death and dismemberment coverage). It is also now an online voucher which means you get to have your card registration details faster. It is tiered in pricing. This means that for the adult version, it ranges from P1050 – P1750, while for the kids version, it ranges from P2950 – P4950.
If you have any questions, please don’t hesitate to email me and I hope that you can visit again our site and would love to hear any feedback from both of you.
Wow! This is really helpful for emergencies! Discount code please! 😀
Yes Miss Jehan, very practical too! Will update the post soon for the code. Thanks!
i woukd like to wait fir the discount code as well before purchasing ms. sol 🙂
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