DESCRIPTION:

Age Eligibility and Validity 

ER Vantage Plus 40 for Adults is for ages 18 to 65 years old and is valid for 1 year upon activation date. Benefits starts 7 days after activation date. The Certificate of Cover is non-transferable once activated.

Benefit Coverage 

Outpatient Emergency Care and Hospitalization Care Benefits:

ER Vantage Plus 40 for Adults * gives you a one-time coverage up to 40,000 for viral, bacterial illnesses and treatment of injuries resulting from accidents (except stroke) ** In more than 500 accredited hospitals nationwide excluding nine (9) premium hospitals (Makati Medical Center, St. Luke’s Medical Center in QC and Global, Asian Hospital, The Medical City, Cardinal Santos Medical Center, Manila Adventist Medical Center, Notre Dame de Charles Hospital and Philippine Orthopedic Institute). The Coverage is inclusive of the following benefits:

• Room and board (Ward Room)
• Doctors’ fees
• Laboratory and diagnostics procedures
• Special modalities of treatment as medically necessary during ER and confinement, subject to P5,000 inner limits
• Medicines (except vaccines) as medically necessary during ER and confinement except for cases declared as non-coverable **, 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 the following: (a) Massive Bleeding; (b) Acute Appendicitis; (c) Fractures/multiple injuries secondary to accidents; (d) Convulsions; (f) illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and (h) Syncope. Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered. **
 

Other Additional Benefits (this benefit is provided by a third party-insurance provider):

• PHP 50,000 accidental death and disability coverage

Availment Procedure 

Emergency and Hospitalization Availment:

1. Simply present this Certificate of Cover (COC) together with a valid identification to the emergency room personnel at the identified PhilCare accredited hospital.
2. ER personnel will facilitate the approval of your availment thru reaching our contact center to verify your membership eligibility and health coverage. The final medical diagnosis is the basis for PhilCare’s approval of coverage.
3. Once approval has been provided, request for cancellation of approval to reactivate membership is not allowed.

HOW TO ACTIVATE YOUR PHILCARE PREPAID HMO?

After purchase, you need to register your e-card voucher before you can use it.

CONTACT OUR SOLUTIONS PARTNERS TO HELP YOU: 

• Health Insurance: advisor@ipgroup.ph
• Facebook:  /InsurancePartner.PH/
• Instagram:  /InsurancePartner.PH/
• PhilCare Registration Site
• www.ipgroup.ph

IMPORTANT NOTES:

• See FAQs for more details.
• Check the list of Non-Covered Illnesses and Diseases COVID-19 is excluded
  The Certificate of Coverage is issued in lieu of the policy, as this encompasses the full details of the product purchased, including its terms and conditions. To request for a full policy contract, please send an email to advisor@ipgroup.ph, once the product has been registered successfully.