DESCRIPTION:

Maxicare LifesavER+

Emergency Room coverage plus confinement with access to the 6 major hospitals

 

Description:

• Benefit of up to ₱50,000 coverage on Emergency Room treatment, including those requiring confinement in a regular private room
• Single usage per card. You can use multiple cards in a year
• Eligible for ages 15 days old to 65 years old only
• Group Life with Accidental Death, Dismemberment & Disablement (ADD&D) up to ₱50,000
• Emergency medical assistance with Assist America for members who are traveling more than 150km from home, or in a foreign country, for up to 90 days*
• Valid for 1 year from activation date
• Covers preexisting conditions
• No preliminary checkups and paperwork needed
• Nationwide access to Maxicare-affiliated hospital providers, including the 6 major hospitals
• 15 days Activation Period

 

* This is in partnership with Assist America. Visit their website www.assistamerica.com for more information.

 

Coverage

Coverage for life-threatening conditions, illnesses, and/or injuries, as well as unexpected onset of conditions or illnesses that require immediate medical assistance or alleviation of pain or discomfort within 24 hours. This includes, but is not limited to, fractures from accidents, severe burns, allergic reactions, and asthma attacks. Coverage includes confinement in a regular private room when medically necessary coming from an emergency.

 

Includes

• Outpatient emergency coverage
• Doctor’s services for emergency treatment
• Emergency room fees
• Emergency medicines for immediate relief and treatment (no take-home medication)
• Oxygen, IV fluids, whole blood, and human blood products
• Dressings, casts, sutures
• X-ray, laboratory, and diagnostic exams
• Initial treatment of animal bites for the first 24 hours
• Initial vaccination for tetanus and animal bites

 

Inpatient coverage

• Room and board accommodation in a regular private room
• Use of Operating Room, Intensive Care Unit (ICU), Isolation Room (if prescribed by the affiliated attending physician), and Recovery Room
• Professional fees
• Standard nursing services
• Medicines when in confinement
• Whole blood products and IV fluids transmission
• X-ray, laboratory, and diagnostic exams
• Anesthesia, oxygen, and their administration

 

Additional benefits to Maxicare LifesavER+ members only

• Access up to 12 Maxicare 24/7 Teleconsult Voice Call at (02) 8582-1980
• Travel emergency medical assistance if within 150km from place of residence

 

Exclusions and Limitations

1. Non-Emergency Services
   • Services obtained for non-emergency conditions from Physicians and Providers

1. Hospital and Medical Care Limitations
   • Additional charges for room upgrades and extended stays
   • Non-medical furnishings, appliances, personal items, extra food, and toiletries
   • Private or special nurse services
   • Custodial, domiciliary, convalescent, and intermediate care
   • Long-term rehabilitation

1. Mental Health and Developmental Disorders
   • Psychiatric care and long-term rehabilitation
   • Developmental disorders (e.g., ADD/ADHD, Autism, Bipolar Disorders)

1. Self-Inflicted Injuries and Risky Behaviors
   • Injuries from tattoos, body piercing, attempted suicide
   • Injuries resulting from negligence, drug/alcohol use, crime, law violations
   • Injuries from professional sports or hazardous activities
   • Injuries from riots, strikes, civil disturbances, or war

1. Cosmetic and Elective Procedures
   • Aesthetic, cosmetic, and reconstructive surgery
   • Weight reduction programs and related procedures
   • Circumcision (except for urological conditions)

1. Dental and Oral Health
   • Dental treatments and oral surgery (except for accidental injury)

1. Reproductive Health
   • Maternity care and pregnancy-related conditions
   • Fertility/infertility treatments, sterilization, sex transformation

1. Experimental and Alternative Treatments
   • Experimental medical procedures
   • Alternative medicine (e.g., acupuncture, chirotherapy)

1. Organ Donation
   • Expenses for the member as an organ donor

1. Routine and Preventive Care
   • Routine physical examinations for employment, school, insurance, travel, etc.
   • Vaccines and immunizations (including administration)

1. Medical Equipment and Supplies
   • Purchase or lease of durable medical equipment (except during covered in-patient care)
   • Corrective appliances, prosthetics, and orthotics
   • Take-home and out-patient medicines (with some exceptions)

1. Genetic and Chronic Conditions
   • Congenital, genetic, and hereditary diseases (except for hernias)
   • Chronic Dermatoses
   • Chronic illnesses and related conditions
   • Diabetes mellitus, Hypertension, Lipidemia, and related illnesses
   • Neoplasm and related illnesses
   • Gallbladder stones and related illnesses such as but not limited to Cholelithiasis and Cholecystitis

1. Infectious Diseases
   • Sexually transmitted diseases, HIV, and AIDS
   • Infectious diseases declared as epidemics or pandemics
   • Hepatitis B and related screenings/vaccines

1. Specific Treatments and Procedures
   • Speech therapy for developmental and congenital diseases
   • Intravenous Immunoglobulin (IVIG)
   • Scoliosis treatments (except during emergency care)

1. Financial Limitations
   • Costs exceeding the Annual Benefit Limit (ABL)
   • Medico-legal case costs

 

Provider Access

Nationwide access to Maxicare-affiliated hospital providers, including the 6 major hospitals:

• Asian Hospital and Medical Center
• Cardinal Santos Medical Center
• Makati Medical Center
• St. Luke’s Medical Center - Bonifacio Global City
• St. Luke’s Medical Center - Quezon City
• The Medical City

 

 

HOW TO ACTIVATE YOUR MAXICARE LIFESAVER+

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

CONTACT OUR SOLUTIONS PARTNERS TO HELP YOU: 

• Click Me to chat with us via messenger
• Click Me to chat with us via WhatsApp
• Health Insurance: advisor@ipgroup.ph
• Facebook: /ipgroup.ph
• Instagram: /ipgroup.ph/
• Maxicare Registration Site
• www.ipgroup.ph

NOTES:

• Present your Maxicare EReady Advance card or eCard along with 1 valid ID with a photo upon availing of the services offered in this Maxicare health card plan
• No card or eCard, no availment
• Membership is valid up to 1 year from the date of registration
• You can use more than one card in a year but only one can be active at a time
• The card is non-transferrable once registered
• There will be no maximum number of cards for registration but members can only register another card after seven (7) days from the date of availment of the first registered card

 

WHAT ARE NOT COVERED?

1. Services obtained for emergency conditions from non-affiliated physicians and hospitals
2. Injuries, infections or conditions resulting from:
   • negligence
   • alcoholic liquor intake
   • unauthorized use of prohibited drugs or regulated drugs
   • violation of law or ordinance or unnecessary exposure to imminent danger,
   • direct or indirect participation in the commission of crime,
   • direct participation in riots, strikes, and other civil disturbances,
   • war or any combat-related activities while in military service,
   • extreme sports,
   • developmental disorders,
   • circumcision and sex transformation,
   • tattoos,
   • body piercing,
   • attempted suicide,
   • acupuncture,
   • congenital, genetic and hereditary conditions,
   • chronic dermatoses
3. HIV and AIDS-related diseases, sexually transmitted diseases
4. All pregnancy and maternity-related conditions
5. Epidemic or pandemic infectious diseases
6. Psychiatric and/or psychological disorders
7. Aesthetic, cosmetic and reconstructive surgery
8. Oral surgery and dental treatments
9. All types of vaccines except for animal bites
10. Pregnancy test
11. Take-home medicines
12. Medico-legal fees
13. Ambulance service