8 prepaid health cards that you can avail for your family

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Do you want to avail a prepaid health card that suits best for your family? But you can’t decide which one to choose? Here is a simple guide for all you mommas out there.

Living in the country where the healthcare costs are just getting more and more expensive makes us think; can we still get access to affordable and quality healthcare services? Oh, yes, of course, only if we opt to. Here is where prepaid health card in Philippines comes in. Having a prepaid health card can give you peace of mind and the reassurance that you or your family will be taken care of in case of any emergency.

Health Maintenance Organizations (HMOs), being not the healthcare provider themselves, rather, serve as the middlemen between healthcare providers and patients, offer its member access to its network of healthcare providers that include doctors, dentists, hospitals, and clinics. The standard benefits through an HMO company are composed of out-patient care, in-patient care, emergency care, and preventive care.

  • Out-patient care consists of consultations, laboratory, and diagnostic tests, etc.
  • In-patient care consists of hospitalization, operating and recovery rooms, professional fees, etc.
  • Emergency care includes professional fees, hospital bills, emergency room, even medicine for treatment, etc.
  • Preventive care comprises annual physical exam, immunizations, etc.

To date, access to these has seen even more practicality in a form of prepaid health card which can be availed monthly, quarterly, semi-annual, or annually.

Why choose prepaid health cards in the Philippines?

Prepaid cards are well-known as reloadable and well-used in loading transactions for bills payment and phone services. Not everybody knows yet that purchasing HMO plans in retail is already possible through these.

These are a more affordable option for low-income to middle-income earners or even unemployed, that for around PhP100 to PhP5,000, you get an HMO valid for a year or until covered services are not yet used up. Prepaid health cards can be used during emergencies under certain conditions based on the type of your card and the provider.

These are also flexible as you have the freedom to choose a plan that will let you pay only for what you think is necessary according to your condition. These can vary from emergency care to preventive healthcare, dental services, or hospitalizations benefits.

While surprisingly it has a variety of packages with wide coverage, to avail a prepaid health card can be easily bought and registered online. Payment is made through credit cards, Paypal, bank deposits, or via payment centers and partner merchants.

Choose a prepaid health card that suits your family

  1. Maxicare EReady

HMO type: Prepaid health card for emergency care

Price/price range:

  • PhP699 (Titanium)
  • PhP899 (Platinum)

Membership eligibility: 15 days old to 65 years old; a Maxicare member or not

Validity: 1 year

Coverage:

  • Nationwide ER access to over 1000 Maxicare-affiliated hospitals
  • Emergency care services (professional services, emergency room fees, medicines for immediate relief and treatment, oxygen, IV fluids, whole blood, and human blood products, dressings, casts, sutures, X-ray, laboratory and diagnostic tests)
  • 20% discount and 15% discount on selected Metro Dental and MyHealth services
  • Accidental death, dismemberment and disablement (ADD&D) up to PhP50,000.00
  • Access to all Maxicare-affiliated hospitals excluding *6 major hospitals (Titanium plan)
  • Access to all Maxicare-affiliated hospitals including *6 major hospitals (Platinum plan)

Registration: SMS and online application; without preliminary checkup and paper requirements

  1. Healthy Ka Pinoy Health Emergency Card

HMO type: Prepaid health card for emergency care

Price/price range:

  • PhP750 (option 1)
  • PhP1,200 (option 2)

Validity: 1 year

Coverage:

  • Emergency treatment at any of the 1000 accredited hospitals and clinics of EastWest Healthcare, HKP’s hospital network and emergency services provider (includes Makati Medical Center, St. Luke’s Medical Center, Asian Hospital, The Medical City, and Cardinal Santos Medical Center)
  • Two emergency medical expense worth up to PhP20,000 or PhP40,000 covered
  • PhP20,000 or PhP40,000 worth of accidental burial benefit
  • PhP100,000 or PhP200,000 accidental death and disability
  • Emergency care costs reimbursement in non-accredited hospitals
  • Automatic renewal through PNB’s auto-debit arrangement
  • 20% rebate of the premium in case the plan has not been used within the validity period

Registration: Fill up the Application Form at any PNB branch and pay the cost of premium at the teller counter.

  1. MediCard RxER

HMO type: Prepaid health card for an emergency, out-patient, and preventive care

Price/price range: PhP1,998

Membership eligibility: no age limit

Validity: 1 year

Coverage:

  • Emergency care (ER fee, professional fees, and emergency medications) for burns, animal bites, and accidental chemical poisoning
  • Emergency diagnostic procedures and lab tests such as ultrasound, CT scan, and MRI worth up to PhP5,000
  • Tetanus toxoid, anti-tetanus serum and active immunization for anti-rabies; ordinary casting and splint (all subject to emergency care limit)
  • 100% reimbursement of professional fees and hospital bills for emergency care for non-accredited hospitals, subject to the coverage limit of PhP20,000
  • Out-patient services in all MediCard free-standing clinics and UROIC
  • Unlimited free consultations with primary care physicians and some specialists (general surgeon, ob/gyn, pediatrician, family medicine, general practitioner, and general internist)
  • 00 flat rate for consultations with other specialists
  • 30% discounts on laboratory and diagnostic tests, dental services, and surgeries at MediCard free-standing clinics
  • Free dental consultations
  • One-time oral prophylaxis
  • Up to PhP50,000 accidental death and disability financial assistance
  • Benefits can be used more than once up to the coverage limit and within 6 hours from the accident
  • Discounts and freebies available in optical shops, restaurants, wellness centers, hotels, and beach resorts

Registration: Online and personal membership application and renewal at any of Medi-Card free-standing clinics; without preliminary checkup and paper requirements

  1. MediCard Health Check

HMO type: Prepaid health card for preventive health care

Price/price range: PhP500

Membership eligibility: No age limit

Validity: 1 year

Coverage:

  • Unlimited consultations with MediCard primary care physicians, including general practitioners, internists, family doctors, pediatricians, and ob/gyn (except maternity-related)
  • 00 flat rate for consultations with MediCard specialists like ENT doctors, ophthalmologists, and rehab medicine physicians
  • An annual physical examination that covers a comprehensive physical exam, complete blood count (CBC), urinalysis, fecalysis, and chest X-ray
  • 20% discounts on all laboratory and diagnostic procedures

Registration: Personal membership application and renewal at any of Medi-Card free-standing clinics; without preliminary checkup and paper requirements

  1. PhilCare ER Vantage Plus

HMO type: Prepaid health card for emergency care

Price/price range:

  • PhP2,950 to PhP4,950 (children)
  • PhP1,050 to PhP1,750 (adults)

Membership eligibility:

  • Children: 6 months to 17 years old
  • Adults: 18 to 64 years old

Validity: 1 year

Coverage:

  • Up to PhP40,000, PhP60,000, or PhP80,000 (depending on the type of card) one-time coverage for emergency care and hospitalization for viral and bacterial diseases, and injury treatment from the accident
  • Up to PhP5,000 benefit for hospital confinement, professional fees, laboratory and diagnostic tests, immediate medications, and special modalities of treatment
  • PhP50,000 accidental death and dismemberment benefits
  • No hospital deposit required for availing
  • Can be availed at more than 500 accredited hospitals nationwide excluding *6 major hospitals in Metro Manila

Registration: Easy SMS and online registration; with no preliminary medical checkup required

  1. PhilCare Health360

HMO type: Comprehensive prepaid healthcare plan for individuals and families

Price/price range:

  • PhP2,201 to PhP16,606 (quarterly)
  • PhP4,281 to PhP32,306 (semi-annual)
  • PhP8,002 to PhP60,385 (annual)

Membership eligibility: 6 months to 60 years old

Validity: 1 year

Coverage:

  • Out-patient care at PhilCare-owned clinics and over 400 accredited clinics nationwide
  • In-patient care at over 500 hospitals nationwide including *6 major hospitals
  • Emergency care (emergency room, hospitalization, and professional fee)
  • Annual physical exam
  • Ambulance service
  • 100% reimbursement of hospitalization and professional fees at non-accredited hospitals
  • Special modalities of treatment and diagnostic procedures like MRI and sleep study
  • PhP100,000 term life insurance
  • PhP100,000 accidental death and dismemberment benefits

Registration: Processing is done via online through PhilCare’s website

  1. ValuCare Individual and Family Plans

HMO type: Comprehensive prepaid healthcare plan for individuals and families

Price/price range:

  • PhP2,186 to PhP7,203 (quarterly)
  • PhP,137 to PhP13,634 (semi-annual)
  • PhP7,806 to PhP25,725 (annual)

Membership eligibility:

  • Principal: 18 to 60 years old
  • Dependents:
  • Legal spouse from 18 to 60 years old
  • Children/siblings from 90 days old to 20 years old
  • Parents below 60 years old

Coverage:

  • Preventive care services (immunizations, comprehensive annual physical examinations, family planning consultations, health education, counseling on diets or exercise, etc.)
  • Out-patient care services (unlimited consultations and treatment, referrals to accredited specialists, laboratory tests and diagnostic procedures, 10 prenatal or postnatal consultations with accredited obstetricians)
  • In-patient services (hospital confinement, ICU/CCU confinement, operating room and recovery room, professional fees, blood transfusions, dressings, casts, sutures, inhalation therapy, oxygen and its administration, etc.)
  • Emergency care services (doctor and hospital services, oxygen, IV fluids, laboratory and diagnostic procedures, and other medical services related to patient’s emergency treatment)
  • 100% reimbursement of professional fees and 80% hospitalization reimbursement in non-accredited hospitals
  • Medical procedures such as but not limited to dialysis, angioplasty, CT scan, @D echo with Doppler, radiotherapy, and chemotherapy
  • Dental care services (unlimited consultations with an accredited dentist, annual oral prophylaxis, temporary fillings, simple tooth extraction, annual dental examination, etc.)
  • Financial assistance ranging from PhP5,000 to PhP20,000 in case of principal’s death or dismemberment
  • Motor vehicular accident insurance
  • Ambulance service
  • Can be availed at all ValuCare accredited hospitals, coordinators, and clinics nationwide excluding Asian Hospital and Medical Center (one of the *6 major hospitals in the country)

Registration: Online application is being filled out and processed at the ValuCare website, https://www.valucarehealth.com/.

  1. Pacific Cross Select

HMO type: Comprehensive prepaid healthcare plan for individuals and families

Price/price range: PhP4,482 to PhP58,995 (depending on age and hospital type)

Membership eligibility: 15 days to 65 years old

Validity: 1 year

Coverage:

  • In-patient care including hospital confinement, professional fees, ICU, operating room, recovery room, etc.
  • In-patient benefits for a female insured’s newborn from 15th day old up to the policy renewal
  • Emergency care including out-patient treatment, ambulance service, emergency dental services, overseas confinement, worldwide assistance, etc.
  • Annual physical exam
  • Accidental death coverage
  • Highest maximum coverage at PhP1,500,000
  • Own choice of doctor, specialist, or hospital is possible

Registration: Go to Pacific Cross website at https://www.pacificcross.com/. Click and fill out the Health Application form.

*Cardinal Santos Medical Center, St. Luke's Medical Center-Taguig City, St. Luke's Medical Center-Quezon City, Makati Medical Center, Asian Hospital and Medical Center, and The Medical City

 

Sources: DepEd PH, Grit PH, and HMOs websites

Basahin: Paano mag-apply sa Philhealth? Sundin lang ang aming step-by-step guide!

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anaisabel

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