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. |



