PhilCare Emergency

PhilCare – Emergency & Inpatient Plans

PhilCare emergency and confinement products (ER Vantage, ER Shield, and Health Vantage) provide coverage for emergency care and hospitalization due to viral and bacterial illnesses and injuries from accidents (excluding stroke), with access to 500+ accredited hospitals nationwide.

ER Vantage Plus 40 (Adults)

₱1,050.00

One-time emergency care and hospitalization benefit with ward room accommodation.

Adults • ER & Inpatient • Ward Room

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ER Vantage Plus 60 (Adults)

₱1,350.00

One-time emergency care and hospitalization benefit with semi-private room accommodation.

Adults • ER & Inpatient • Semi-Private

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ER Vantage Plus 80 (Adults)

₱1,750.00

One-time emergency care and hospitalization benefit with regular private room accommodation.

Adults • ER & Inpatient • Private Room

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ER Shield

₱800.00

One-time benefit for emergency care in the ER that does not lead to confinement.

Adults • ER Only (No Confinement)

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Health Vantage 40 (Adults)

₱3,750.00

Annual Benefit Limit for ER and hospitalization with ward room accommodation, plus AD&D and life insurance.

Adults • ER & Inpatient • ABL 40k

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Health Vantage 60 (Adults)

₱5,950.00

Annual Benefit Limit for ER and hospitalization with semi-private room accommodation, plus AD&D and life insurance.

Adults • ER & Inpatient • ABL 60k

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Health Vantage 80 (Adults)

₱9,950.00

Annual Benefit Limit for ER and hospitalization with regular private room accommodation, plus AD&D and life insurance.

Adults • ER & Inpatient • ABL 80k

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ER Vantage Plus 40 (Kids)

₱2,950.00

One-time emergency care and hospitalization coverage for kids with ward room accommodation.

Kids • ER & Inpatient • Ward Room

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ER Vantage Plus 60 (Kids)

₱3,950.00

One-time emergency care and hospitalization coverage for kids with semi-private room.

Kids • ER & Inpatient • Semi-Private

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ER Vantage Plus 80 (Kids)

₱4,950.00

One-time emergency care and hospitalization coverage for kids with regular private room.

Kids • ER & Inpatient • Private Room

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Health Vantage 40 (Kids)

₱3,850.00

Annual Benefit Limit for ER and hospitalization for kids, with ward room accommodation, plus AD&D and life insurance.

Kids • ER & Inpatient • ABL 40k

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Health Vantage 60 (Kids)

₱9,050.00

Annual Benefit Limit for ER and hospitalization for kids, semi-private room, plus AD&D and life insurance.

Kids • ER & Inpatient • ABL 60k

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Health Vantage 80 (Kids)

₱13,950.00

Annual Benefit Limit for ER and hospitalization for kids, private room, plus AD&D and life insurance.

Kids • ER & Inpatient • ABL 80k

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What’s Covered?

You get ₱40,000 one-time coverage for emergency care and hospitalization due to:

🏥 Viral and bacterial illnesses
🏥 Injuries from accidents (🚫 excludes stroke)

Hospital Access

Access care from 500+ accredited hospitals nationwide, excluding the following premium hospitals: Makati Med, St. Luke’s QC & BGC, Asian Hospital, The Medical City, Cardinal Santos, Manila Adventist, Notre Dame de Charles, Philippine Orthopedic Institute.

Coverage Includes

Room and board (Ward Room)
Doctors’ Fees
Lab and Diagnostics
Special treatments (up to ₱5,000 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

Additional Benefits

✨ ₱50,000 Accidental Death & Disability Insurance

Conditions Covered

✔️ Accidents and Injuries:
- Injuries & fractures (except stroke)
- Animal bites (first dose of vaccine only)
- Burns, deep cuts needing suturing
- Accidental chemical poisoning
✔️ Acute Illnesses (examples):
- Appendicitis, Bronchitis, Gastritis, Gastroenteritis with dehydration
- Pharyngitis, Pneumonia, Sinusitis, Tonsillopharyngitis with moderate dehydration
- Upper Respiratory Tract Infection, Amoebiasis (initial episode), Anaphylactic Shock
- Cellulitis, Chicken Pox with complications, Chikungunya, Cholera, Dengue Fever
- Diphtheria, Leptospirosis, uncomplicated Malaria, Measles with high-grade fever
- Meningitis, Pertussis, Polio, Systemic Viral Infections (with fever), Typhoid Fever
- Urinary Tract Infection

Emergency Cases Include

Massive bleeding
Fractures or multiple injuries from accidents
Convulsions
Acute appendicitis
Severe dehydration (e.g., due to fever or diarrhea)
Fainting (syncope)

Not Covered

In general, the following are not covered under this plan (refer to PhilCare’s full policy wording for complete details):

Pre-existing conditions
Injuries from misconduct or self-harm
Hazardous activities and extreme sports
Military service-related injuries
Other illnesses under PhilCare’s general exclusions

What’s Covered?

You get ₱60,000 one-time coverage for emergency care and hospitalization due to viral and bacterial illnesses and injuries from accidents (excluding stroke).

Hospital Access

Same accredited hospital network as ER Vantage Plus 40 for Adults (500+ hospitals nationwide, excluding specified premium hospitals).

Coverage Includes

Room and board (Semi-Private Room)
Doctors’ Fees
Lab and Diagnostics
Special treatments (up to ₱5,000 inner limits)
Medicines (except vaccines) as medically necessary during ER and confinement
Diagnostic and therapeutic procedures as medically necessary during ER and confinement

Additional Benefits

✨ ₱50,000 Accidental Death & Disability Insurance

This plan follows the same list of covered conditions and emergency cases as ER Vantage Plus 40 for Adults.

Exclusions are the same as ER Vantage Plus 40 for Adults (pre-existing conditions, misconduct, hazardous activities, military service, and other general exclusions).

What’s Covered

You get ₱50,000 one-time coverage for emergency care benefits, not leading to confinement, due to:

🏥 Viral and bacterial illnesses
🏥 Injuries from accidents (🚫 excludes stroke)

Accredited Hospitals

Access care from 500+ accredited hospitals nationwide, excluding premium hospitals such as: Makati Med, St. Luke’s QC & BGC, Asian Hospital, The Medical City, Cardinal Santos, Manila Adventist, Notre Dame de Charles, Philippine Orthopedic Institute.

Coverage Includes

ER Fees
Doctors’ Fees
Lab and Diagnostics
Special treatments (up to ₱5,000 inner limits)
Medicines during ER (except vaccines)

Conditions Covered

✔️ Accidents and Injuries:
- Injuries & fractures (except stroke)
- Animal bites (first dose of vaccine only)
- Burns, deep cuts needing suturing
- Accidental chemical poisoning
✔️ Acute Illnesses (same list as ER Vantage Plus 40 for Adults)

Emergency Cases Include

Massive bleeding
Fractures or multiple injuries from accidents
Convulsions
Acute appendicitis
Severe dehydration
Fainting (syncope)

Not covered: pre-existing conditions, injuries from misconduct, hazardous activities, military service, and other illnesses under PhilCare’s general exclusions.

What’s Covered?

You get ₱40,000 Annual Benefit Limit coverage for emergency and hospitalization, due to:

🏥 Viral and bacterial illnesses
🏥 Injuries from accidents (🚫 excludes stroke)

Hospital Access

Same 500+ accredited hospital network as ER Vantage plans (excluding specified premium hospitals).

Coverage Includes

Room and board (Ward Room)
Doctors’ Fees
Lab and Diagnostics
Special treatments (up to ₱5,000 inner limits)
Medicines (except vaccines) as medically necessary during ER and confinement (except for cases declared as non-coverable, subject to inner limits)
Diagnostic and therapeutic procedures as medically necessary during ER and confinement

Additional Benefits

✨ ₱50,000 Accidental Death & Disability Insurance
✨ ₱10,000 Life Insurance

Covered illnesses, injuries, and emergency scenarios follow the same pattern as ER Vantage Plus 40 for Adults.

Exclusions are aligned with PhilCare’s standard exclusions (pre-existing conditions, misconduct, hazardous activities, military service, and other general exclusions).