Getting a healthcare plan has never been easier and so affordable with PhilCare’s ER Vantage Plus. The plan covers emergency care and hospitalization in over 500 hospitals around the Philippines!
I’ll let you in on an embarrassing secret: although my husband and I are all about managing our finances wisely and preparing for unforeseen incidents, there is one thing we have not invested on… healthcare. We are fully aware that my husband’s line of work (he’s a firefighter!) is dangerous, but we still have not come to a decision to purchase healthcare coverage in case of emergencies – not just for him, but for myself and our children.
Our reason is that it is simply too expensive and such a hassle to get one. Whenever we try to shop for health coverage, we are given these super expensive packages that we cannot afford at the moment. When I did find something worth getting, I was asked to go to their office all the way in the metro to sign documents, etc. I just do not have the luxury of time to travel and do these things.
But the thing is, everyone really needs to get healthcare coverage because illness and accidents cannot be fully avoided no matter how careful you are.
For instance, no one could have predicted that my son, who was just playing quietly and rather safely, would trip (out of nowhere!) and hit the corner of a staircase. We had to take him to the emergency room because of the open wound on his nose. Thankfully, the doctors did not see a need for stitches. Still, that trip to the ER cost us a couple of thousand bucks.
There lies the need for health coverage. If you have a health card, then there is no need to worry too much about unforeseen emergencies like what I shared.
ER Vantage Plus is a one-time use healthcare benefit that covers emergency care and hospitalization in 500+ PhilCare-accredited hospitals nationwide for viral and bacterial illnesses, treatment of injuries resulting from accidents (except for stroke) and gives Accidental Death and Dismemberment (AD&D) benefit of P50,000.
This healthcare plan is perfect for outpatient, emergency cases, and in patient services. By definition, emergency cases are 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 the following:
- Massive Bleeding
- Acute Appendicitis
- Fractures/multiple injuries secondary to accidents
- Illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever
Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered. You can read more about the Vantage Plus coverage here.
If you purchase ER Vantage Plus, expenses such as the following are covered:
- Doctors’ fees
- Laboratory and diagnostic procedures
- Room and board
- 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 P5,000 limit
- Diagnostic and therapeutic procedures as medically necessary during ER and confinement
Okay, so what are the costs? I did mention that one of the reasons stopping us from purchasing health coverage is the unbelievably high cost. Good news! ER Vantage Plus is SUPER affordable.
ER Vantage Plus has three variants:
That is WAY cheaper than others!
Okay, so the other reason why we have not purchased a health card is the hassle. Guess what?! ER Vantage Plus application AND payment can be done online! Goodbye traffic, goodbye long queues.
All you need to do is go to their website then pick a plan:
- ER Vantage Plus 80 for adults
- ER Vantage Plus 60 for adults
- ER Vantage Plus 40 for adults
- ER Vantage Plus 80 for children
- ER Vantage Plus 60 for children
- ER Vantage Plus 40 for children
You can pay directly on the website using your credit card, debit card, online banking, and over-the-counter.
Once your purchase is confirmed, you will receive an email from PhilCare containing your registration details (voucher number, serial number, and PIN code) and the registration link. If I were you, I would register right away since your plan will only be activated and become valid seven (7) days from your registration date.
Register via the link then you will receive your ER Vantage Plus voucher with the unique certificate number (identification number as a PhilCare member) validity period, and the complete product details.
After validation, ER Vantage Plus is ready for use. Easy peasy!
With PhilCare’s ER Vantage Plus, there really is no reason not to get emergency health coverage for your family.