• Philcare Health Insurance

    Philcare Health Insurance

    Overview of Philcare

    With more than 300,000 members, 1000 corporate clients, nearly 27,000 affiliate doctors and more than 1000 affiliated hospitals and clinics, PhilCare has established itself as one of Philippine’s leading HMO companies. When the company was established in 1982, it began with simply a vision to provide Filipinos with world class health services. Today it has grown to be so much more; it not only facilitates excellent health care, but promotes a healthy lifestyle in general.

    PhilCare provides varied schemes to fit your needs perfectly. All of the programs are eligible for customers between the ages of 6 months to 64 years. Each program has a corresponding card that you can use. Simply provide the card as proof to get your benefits. Following are some of the features and benefits of each card:

    EMERGENCY CARE & HOSPITALIZATION

    1. ER Shield Prepaid Card
    2. The ER Shield prepaid card is designed to be used in case of an emergency.

      Features and Benefits

      • The card is meant only for outpatient emergency care which includes laboratory, diagnostic procedures and the doctors’ fee. It can also be used for medicines (except vaccines) unless it is declared non-coverable.
      • Access to over 400 hospitals around Philippines that are associated with PhilCare.
      • Does not require a medical examination for you to apply.
      • The registration is so hassle-free it can be done via SMS
      • This card is meant for only one-time use.
      • The cost of this card is Php 800.00
    3. ER Vantage Prepaid Card
    4. The ER Vantage prepaid card is designed to be used in case of an emergency which leads to hospitalization.

      Features and Benefits

      • It can be used to cover the charge in case you need to be taken into the emergency room. Your hospitalization; including laboratory, diagnostic procedures, doctors’ fee (as medically required, unless it is declared as non-coverable), room and board is included in this card as well.
      • Hospital deposit is not required
      • Access to over 400 accredited hospitals around Philippines.
      • No medical examination required to apply
      • The registration is so hassle-free, it can be done via SMS
      • One-time use
      • The cost of this card is Php 900.00 for the ward, Php 1,100.00 for semi-private room and Php 1,300.00 for private room which is the best seller.
    5. The Health Vantage Card
    6. The Health Vantage card, similar to the ER Vantage Prepaid Card, is designed to be used in case of an emergency which leads to hospitalization.

      Features and Benefits

      • It can be used to cover the charge in case you need to be taken into the emergency room. Your hospitalization; including laboratory, diagnostic procedures, doctors’ fee (as medically required, unless it is declared as non-coverable), room and board is included in this card.
      • You can avail the benefits of this card for a year, as frequently as you wish (up to the benefit limit)
      • Hospital deposit is not required
      • Access to over 400 accredited hospitals around Philippines.
      • Accidental death and dismemberment coverage worth P50,000
      • Life insurance coverage worth P10,000
      • No medical examination required to apply
      • The cost of this card is Php 3,500.00 for the ward, Php 5,500.00 for semi-private room and Php 6,500.00 for private room which is the best seller.
    7. The Health Vantage Elite card
    8. The Health Vantage Elite card is meant to cover your hospitalization fee and give you access to the best Metro Manila hospitals.

      Features and Benefits

      • This card can be used to cover the charge in case you need to be taken into the emergency room. Your hospitalization; including laboratory, diagnostic procedures, doctors’ fee (as medically required, unless it is declared as non-coverable), room and board is included in this card.
      • You can avail the benefits of this card for a year, as frequently as you wish (up to the benefit limit)
      • Annual physical examination
      • Hospital deposit is not required
      • Access to over 400 hospitals that are affiliated with PhilCare. You will also be entitled to additional access to St. Luke’s Medical Center (Global), Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC), and The Medical City
      • Accidental death and dismemberment coverage worth P50,000
      • Life insurance coverage worth P10,000
      • No medical examination required to apply
      • The cost of this card is Php 6,500.00 for the ward, Php 11,000.00 for semi-private room and Php 13,000.00 for private room.
    9. Smart Check-Up
    10. Smart Check-Up is the scheme you need for any and all physical exams. For the mere price of P499, you will be entitled to a complete set of physical exams in PhilCare Clinics as well as all their associated medical centers.

      Features and Benefits

      • This card is tailor-made for individual and corporate accounts that need Pre-employment Examination package or APE. You can choose among the selected clinics in Metro Manila to get your exams done.
      • The Smart Check-Up card is a prepaid card which gives you a complete picture of your health. The state of your health is an important factor for you and your employer as well, which is why most companies need reports of physical exams, yearly. However, physical exams are by no way standard around the globe. Each one is priced differently and includes different services. The quality of the exams also differ. PhilCare only offers the best quality exams from the most highly qualified doctors.
      • A complete physical exam for P499
      • Records Medical History
      • Physical Examination
      • Fecalysis
      • Chest X-Ray
      • Complete Blood Count (CBC)
      • Urinalysis
      • The process to avail the services is as simple as registering through SMS before use. Once you use the card, it must be surrendered.This card is meant for One-time use.
      • Reap the discounts when you use the card at PhilCare Manila and Makati Clinics: 10% off on ultrasound procedures, 5% off on laboratory/X-rays
      • Download the exam results using the PhilCare Go!Mobile Smart Check-Up
      • Use your card to become a myPhilCare member for the best deals and invites. You can also participate in PhilCare 360 Wellness activities
      • The membership is a simple, hassle free process
      • There are no enrollment requirements or age restrictions.

      CLINIC BUNDLED CARDS

    11. Love your Heart
    12. Love your heart is one of the most straightforward health cards that PhilCare offers. The point of the card is to provide the cardholder with the option to get their basic heart activity and cholesterol checked out.

      Features and Benefits

      • Lipid Profile
      • Electrocardiography
      • You are entitled to one Internal Medicine consult with this card
      • You can get the tests done at only PhilCare Makati and Manila clinics
      • Simply get an appointment, use the card on availing the service and surrender your card. This card is meant for One-time use
      • Reap the discounts when you use the card at PhilCare Manila and Makati Clinics. Get 5% discount on laboratory/X-rays and 10% off on ultrasound procedures.
      • Priced at ±345.00
    13. The Holiday Glow prepaid card
    14. The Holiday Glow prepaid card is designed for people looking to get warts removed.

      Features and Benefits

      • Services include Electrocautery of flat warts on face or six sites subject to Philcare’s site divisions
      • Complimentary use of EMLA cream
      • You can avail the services at only PhilCare Makati and Manila clinics
      • Simply get an appointment, use the card on availing the service and surrender your card. This card is meant for One-time use
      • Reap the discounts when you use the card at PhilCare Manila and Makati Clinics. Get 10% off on ultrasound procedures and 5% discount on laboratory/X-ray procedures.
    15. Product Description
    16. Designed just for women, this prepaid card highlights a health care checkup that involves a complete health care checkup that is specific to women. Read on to find out what exactly this includes.

      Features and Benefits

      • PAP smear test
      • One Transvaginal Ultrasound or One Breast Ultrasound
      • One OB-Gynecology consult
      • You can avail the services at only PhilCare Makati and Manila clinics
      • Simply get an appointment, use the card on availing the service and surrender your card. This card is meant for One-time use
      • Reap the discounts when you use the card at PhilCare Manila and Makati Clinics. Get 10% off on ultrasound procedures and 5% discount on laboratory/X-ray procedures.
      • The card is priced at P670

      OUTPATIENT CARE, EMERGENCY CARE & HOSPITALIZATION

      These programs are meant for customers aged between 6 months and 59 years old. Please note that for customers aged 40 years and older, medical examination is needed. The card can be purchased through your ascribed PhilCare agent.

    17. The Classic Standard card
    18. The services included in this card includes outpatient care, preventive health care, emergency treatment, and hospitalization. You also have an option of add-on dental procedures.

      Features and Benefits

      • Hospitalization
      • Annual Physical Examination at PhilCare or designated clinics
      • Preventive Health Care
      • Outpatient services
      • Insurance coverage
      • The card’s price starts at P14,700 for a private room.
    19. The Classic Elite Program card
    20. The services included in this card includes outpatient care, preventive health care, emergency treatment, and hospitalization. The services can be availed at St. Luke’s Medical Center (Quezon City), Cardinal Santos Medical Center, Makati Medical Center, and The Medical City. However services cannot be availed at Asian Hospital and Medical Center and St. Luke’s Medical Center-Global City.

      Features and Benefits

      • Annual Physical Examination at PhilCare or designated clinics
      • Hospitalization
      • Preventive Health Care
      • Insurance coverage
      • Outpatient services
      • You also have an option of add-on dental procedures.
      • The card’s price starts at Php 15,900 for private room
    21. Classic Executive / Executive Elite cards
    22. This card’s services include outpatient care, emergency treatment, preventive health care, hospitalization, special modalities of treatment and point of service option. You have the option to choose between 150K and 250K annual benefit limit for Classic Executive programs. You could also choose between 500K and 1M annual benefit limit for Classic Executive Elite programs.

      Both programs include access to Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (Quezon City), and The Medical City, EXCEPT Asian Hospital and Medical Center and St. Luke’s Medical Center – Global City. You also have an option to add Dental Rider.

      Features and Benefits

      • Annual Executive Check-up Package at PhilCare and clinics affiliated with PhilCare
      • The card has the exclusive option of services being availed in Foreign Territories as well.
      • Preventive Health Care
      • Special modalities of treatment
      • Hospitalization
      • Outpatient services
      • Insurance Coverage
      • You also have an option of add-on dental procedures.
      • The card’s price starts at Php 26,700 (private room) for Classic Executive and starts at Php 36,000 (suite) for Classic Executive Elite

    Philcare FAQs

    1. I am looking for a health insurance to benefit my employees. Which are the products that you offer that are specifically made for businesses and corporate clients?
    2. PhilCare’s health programs for businesses include BG PLUS and HAP. BG PLUS is a group life insurance that is designed to benefit small businesses (5-19 employees) in particular. HAP (Health Advantage Program) is a program designed to cater to corporate clients with 5- 300 employees.

      For more information, simply dial (02) 802-7333 or send your query via e-mail charrise.delmundo@philcare.com.ph

    3. Which are the affiliated clinics and hospitals of PhilCare?
    4. You can go to www.philcare.com.ph/find to see the list of affiliated hospitals and clinics and hospitals. You could also download the Go!Mobile app in Google Play and the Apple Store, to make it easier to view this list.

    5. I have lost my PhilCare ID card. How can I replace it?
    6. If you are an individual member (not part of a corporate account), you will have to pay P40.00 as well as the corresponding delivery charge, according to your location (Php55.00 for Metro Manila, Php65.00 for Luzon, P85.00 for Visayas and Php100.00 for Mindanao). You can make your payment at any of the PhilCare payment centers, along with an affidavit of loss. You will also have to send a copy of the deposit slip through fax at (02) 8027311 local 19235 or you could email it to marcela.villados@philcare.com.ph. You will have to name the subject as “Lost ID card replacement”. Once received, please expect your card replacement after 3 working days. You can expect to have a new card after 3 working days, once your documents have been received by PhilCare.

      If you are part of a corporate account, you can coordinate with your HR Department to get your card replaced. You will have to submit an updated Membership Update Form and Affidavit of Loss. Your HR representative and the PhilCare staff will coordinate to process a new card for you. You can expect to have a new card after 11 working days, once your documents have been received by PhilCare.

    7. How can I find out my PhilCare card number?
    8. Check the front of your health card for your PhilCare certificate number “Cert# 00000000”. You also have the option to validate it by calling (02) 462-1800 for the Customer Hotline. If you are outside Metro Manila, you can reach the PLDT subscribers at 1-800-1888-3230.

    9. Can I gift a ‘gift card’ to someone?
    10. Yes, you have the option of gifting either clinic bundle cards or ER prepaid card products. The price for clinic bundle products can be anything from Php 345.00 to Php 1,440.00. The price for ER Shield and ER Vantage can be anything from Php 800.00 to Php1,300.00.

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