Thursday, November 23, 2017

Philcare's ER Vantage: Affordable Emergency Care for All

With the goal of making sure every Filipino can get adequate healthcare services, Philcare has come up with ER Vantage prepaid cards. Somehow, this takes away one's worries of increased hospitalization costs, especially during  times of emergencies.  It is Philcare's initiative and effort to reach out to more Filipinos who still can't afford to have their HMO coverage. 

Philcare's ER Vantage cards are both available for adults and kids.

Cliche as it may sound, but while it is true that nowadays, it is indeed, "Bawal magkasakit." Ironically, based on a survey, only 4% of Filipinos enjoy HMO coverage and most of them get such benefits from their employers. Unfortunately, for the typical hard-working Pinoys, they aren't simply prepared if and when a major health crisis does occur. 

I am speaking based on my family's own personal experience back in the summer of 2014, where me and my mom suffered from an ATV vehicular accident in an adventure theme park in Porac, Pampanga. Since I am working freelance, I did not have an HMO to begin with. It was truly heartbreaking going through that ordeal and because I did not know where could I get all the expenses needed for my Mom's hospitalization and operation since she has fractured her femur during that accident. I remember I had to knock on the hearts of people in order for us to get by. Looking back now, I regret not getting an HMO or at least a prepaid health card like Philcare's ER Vantage. 

ER Vantage Plus prepaid cards are available in ward, semi-private and private

Medical costs can be very expensive. In case of health setbacks, you need to have the right financial solutions so you can focus on recovering as soon as possible. 

When you're sure that your health is covered, you can focus more on the most important aspect: your own recovery.

It's nice to know there are companies like Philcare that understands our needs. Philcare's 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.

Emergencies can happen at any given time. We should all be vigilant about it. 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.

Philcare's ER Vantage prepaid cards are made affordable for every Filipino. It gives one some sense of peace of mind as it doesn't burn a hole in your pockets while giving you that sense of security too knowing fully well that in case of emergency, you have your prepaid health card which can help you with your expenses. 

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. 

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