Budget Prepaid Health Insurance with PhilCare Health Vantage Card

Aside from bank savings accounts, the Philippines is also known for its alarmingly low patronage for health insurance. This has prompted the industry to continually develop health insurance packages and offerings that would specifically cater to the needs of the Filipinos.

PhilCare Prepaid HealthCare

Banking on the ‘sachet‘ phenomenon similar to sari-sari store‘s “tingi” shampoos and conditioner concept, I think the insurance industry will hit the right button with the concept of a budget prepaid health insurance specifically that of the PhilCare Health Vantage Card.

PhilCare Health Vantage

Did you know that only 4% of Filipinos have a comprehensive HMO coverage (and most have it only through the large corporations they work in that are given bulk discounts)?

This means that most Filipinos simply aren’t prepared for life emergencies or even minor hospitalizations. When such eventualities do occur, the financial cost often lead to debt and more problems.

With the regular Filipino’s financial reality in mind, PhilCare created the Health Vantage prepaid card.

About PhilCare

With PhilCare’s Health Vantage, Filipinos pay only what they can afford, for a multi-use prepaid health card that covers Emergency Rooms (ER), hospitalization, and the bulk of other services that go with it up to a limit that is many times the cost of the Health Vantage Card.

Most Accessible, Comprehensive HMO Coverage

Available for individual purchase online, Health Vantage is the most affordable way to approximate the HMO coverage that only employees at big companies used to get under comprehensive, bulk group plans.

Interestingly, the PhilCare Health Vantage gives 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

For Emergency and Hospitalization

PhilCare Health Vantage Benefits Table

As we all know, 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
• Syncope

Some of Health Vantage Coverage and Benefits

PhilCare Health Vantage Card Packages / Options

However, 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.

Prepaid Health Insurance Prices

Prices for Health Vantage health insurance for adults range from P 3,750 to P 9,950. The amount covers between P 40,000 to P 80,000 depending on the type of Health Vantage card / voucher purchased.

Even our children can be covered with Health Insurance for Kids prices ranging between P 3,850 to P 13,950.

PhilCare Health Vantage Prices / Rates

Sample Health Vantage 40 for Adult package worth P 3,750 which includes multiple-use healthcare card upto P40,000 for emergency care and hospitalization for viral and bacterial illnesses, treatment of injuries, resulting from accidents (except for stroke) in 400+ designated PhilCare accredited hospitals nationwide.

As a backgrounder, PhilCare was established in 1982 and is one of the country’s pioneering Health Maintenance Organization (HMO) companies. The company is built on a vision to allow Filipinos enjoy a better quality of life by providing them access to world-class health services.

Know more about the PhilCare Health Vantage Card by visiting their website http://shop.philcare.com.ph/index.php?route=product/search&search=health%20vantage or you may contact them at the following details:

PhilCare
Address: 4/5F STI Holdings Center 6764 Ayala Avenue, Makati City
Telephone: (+632) 802 7333 loc 19216 or 19224
Operations: Monday – Friday 8AM to 5PM
Email: [email protected]

Website: www.philcare.com.ph

Get your Health Vantage Card now form PhilCare!

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Personally, I don’t have a PhilCare Health Vantage Card yet. But now, after knowing about all these health insurance benefit, I think I’m getting one very soon!