Tag Archives: Philcare

Investing in affordable health care is easy with PhilCare’s ER Vantage

I was 33 years old when I realized how unprepared my husband and I was for life’s emergencies.

It all started with a throbbing, steady pain, said my husband. He would wake up at 12 midnight staying until 3AM, silently bearing the pain on his right abdomen.

After months of trying to keep it from me, I woke up one morning to see him curled silently in the couch downstairs. The check-up and all the tests that followed confirmed our suspicion: gall stones, which was then pressing already to the small opening leading to his liver. After months and months of tests, medications and even a complete check on his stomach to make sure there wasn’t any other obstruction — a sudden, sharp pain one Saturday afternoon finally sent us to the Makati Med ER where the doctors immediately scheduled him for surgery.

Our expected expense: about PHP250,000 including doctors’ fees. Our bank account had a total of PHP20,000, give or take a few hundreds.

It was my health card that saved us from all the worries, and gave us the energy to focus on his treatment and on getting the best medical care possible.

After surgery and recovery which constituted the five days he was in the hospital, our total bill came up to PHP220,000. I paid 50 pesos for the portable potty he needed to use; while PhilCare, my health care provider took care of all the rest — hassle-free.

It was that time when I became obsessed on getting any form of health care for my loved ones. Granted that my health care coverage was made possible by employment, I was relieved to note that PhilCare took their services to the next level by introducing a line of prepaid health cards.

The following Christmas, I gave my favorite aunt and uncles PhilCare ER Vantage cards, and encouraged cousins to buy one. Before my father turned 65, I bought him his own ER Vantage.

One of the earlier versions of the current ER Vantage. This served my father well. Having the peace of mind by having any form of health card was my goal always.

It is not surprising that PhilCare would come up with an affordable prepaid card.  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.

As one of their most popular products, ER Vantage is available for both children and adults and 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.


The latest version of the ER Vantage – can’t wait to have this again as a gift for the oldies this Christmas

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

In my family, I have a lot of aunts and uncles who have no children, or those with no means to get their own health card. Like before, I’ve bowed to get them the ER Vantage Plus 40 for Christmas.

I know, it’s a bit pricey as a Christmas gift for the extended family, but since these are my favorite aunt and uncles — and from experience — would depend on our help during medical emergencies. Giving them the security and protection afforded by a health card is worth it.


If you want to know more about ER Vantage or shop for your own:   http://shop.philcare.com.ph/index.php?route=product/search&search=er%20vantage%20plus



Health care should be for all: PhilCare’s prepaid emergency health cards fill a gap.

The nature of my job and the industry I am in allows me to see a face of health care in the Philippines that is not visible to common Filipinos. Because of my job, I am aware that only 4% of Filipinos have access to efficient health care in the country. This usually means the top hospitals and clinics in the country, helmed by some of the best doctors and most efficient nurses and with access to some of the best technology in the industry.

But what about the rest?

Unfortunately, doing PR within the health care industry means I come across depressing statistics: for example, did you know that six out of 10 Filipinos die without seeing a doctor? While government hospitals are there, we do know that long lines, the sheer density and number of patients and the long wait usually turn off any potential patients. A common (but unfortunate) joke that usually goes around when visiting a local government hospital is that you have to be a step, jump and skip away from death before the dedicated (but overworked) doctors can assist to you due to the number of patients they also see.

Would it be possible for Filipinos to have access to emergency health care at a more affordable cost?


PhilCare ER Vantage Cards
PhilCare ER Vantage Cards

PhilCare, one of the pioneers in the Philippines’ HMO industry, has recently launched its ERVantage products, a line of prepaid emergency health cards that provide easy and immediate access to any of the company’s many affiliated hospitals nationwide during emergency situations.

PhilCare Health Vantage
PhilCare Health Vantage

These prepaid health cards have the following variants:
* ER Vantage (Emergency Care and Hospitalization) for coverage of hospital emergency care leading to hospitalization, including the ERV40 (P900 for one-time coverage per year up to P40,000 health benefits), ERV60 (P1,100 for one-time coverage per year up to P60,000 health benefits), and ERV80 (P1,300 for one-time coverage per year up to P80,000 health benefits) variants

* ER Shield (ERS) for out-patient hospital emergency room coverage for one-time coverage per year, available for P800 with up to P50,000 in health benefits

* Smart Check-Up (SCB) for annual physical examination or pre-employment package available for P499 that includes tests such as Medical History Taking, Physical Examination, Chest X-Ray, Complete Blood Count, Urinalysis, and Fecalysis

Both the ER Vantage and ER Shield cards are inclusive of diagnostic and therapeutic procedures, nationwide access to more than 400 designated PhilCare affiliated hospitals, Go!Mobile app access, as well as PhilCare 360 participation. The SCB card, meanwhile, may be used at any PhilCare Clinics and Hi-Precision branches in Metro Manila.

For as low as PHP800, any one can have the opportunity to receive premium and immediate emergency medical attention to any of PhilCare’s affiliated designated hospitals in the country. What’s PHP800? That’s just a quick round of burgers and fries for a group of three in any of the high-end burger places in Makati. PHP800 is a prepaid cellphone load good for a month; it’s also a pair of jeans from Forever21 or H&M.

My point is, we Filipinos often times find a way to buy the latest gadgets and even the latest phone accessories for our Smart Phones. Don’t you think it’s also wise to invest a small amount to take care of your self? After all, at the end of the day, you’re not just buying a card promising you prepaid emergency health plan — you are buying yourself peace of mind and the comfort of knowing that you will be taken cared of during times of emergency.

For more information or to purchase, go to www.philcare.com.ph