As the adage says “Mahal ang magkasakit” and it really is, especially in this country where some hospitals will even require a down payment for an emergency case.
It is important for us moms to always be prepared for such possibilities. And because not everyone has a health insurance for their family care of the company they are working for, prepaid health cards can be heaven sent. This is especially true for our dear work at home parents who may have to pay buy their own benefits.
For moms and dads looking for prepaid health cards for their children – be it babies or older kids, sharing with you some information that you may need in order to decide on which prepaid health insurance to buy. ALWAYS, ALWAYS remember to read the fine prints on any of the health cards you are interested to purchase and keep in mind that there are some illnesses and situations which may not be covered, like Asthma which they do not consider as an emergency. So better read up on all of the provisions in the health card policy – I have included the links to the official websites of the health care providers.
Here’s a list of Prepaid Health Cards for babies and kids in the Philippines:
- Philcare Prepaid Health Care Products
- Philcare ER Vantage – Philcare ER Vantage is a health card that covers one-time emergency room expenses, and confinement or hospitalization leading from that particular emergency. Although you can buy up to three per year, you can only use one card per confinement. It comes in two variants, the ER Vantage Kids 40, the ER Vantage Kids 60, and the ER Vantage 80 respectively. These just vary when it comes to the room accommodation, as well as maximum insured amount. According to Philcare’s website, the ER Vantage 40 Kids for instance “provides coverage of up to P40,000 for emergency care and hospitalization for viral and bacterial illnesses, treatment of injuries resulting from accidents (except for stroke) in 400+ designated PhilCare-accredited hospitals nationwide.” As of posting, here are the current prices:
- ER Vantage Kids 40 – P2,950.00
- ER Vantage Kids 60 – P3,950.00
- ER Vantage Kids 80 – P4,950.00
Read more about it here.
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You may also want to read:
- Disaster Preparation Tips for Young Filipino Families
- What to Pack in an Emergency Go Bag for babies
- Where to buy Insulated Breast Milk Cooler Bags in the Philippines
- DIY Party Planning Resources: where to buy DIY Party supplies, great birthday locations, souvenirs and giveaways
- Where to buy Tula Baby Carriers
- Breastfeeding Information: Tips, where to buy breastpumps, teas, recipes, and where to order lactation cookies
- Where to buy Tawa-Tawa for Dengue in the Philippines
- Where to Buy Cheap Nebulizers in the Philippines
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- Philcare Health Vantage – According to its website, “The Health Vantage card secures emergency care and hospitalization for viral and bacterial illnesses, treatment of injuries resulting from accidents except for cerebrovascular accidents (stroke) at around 500+ PhilCare accredited hospitals nationwide. With access to top Metro Manila hospitals.” Its main difference with that of the ER Vantage is that this one has “One year unlimited frequency of availment up to plan benefit limit.”As of posting, here are the current prices:
- Health Vantage 40 for kids – P3850.00
- Health Vantage 60 for kids – P9,050.00
- Health Vantage 80 for kids – P13,950.00
Know more about it here.
- Philcare Medical and Dental Consultation for Kids – According to its website, it “allows children aged one to 17 years old to avail of consultation services from its national network of pediatricians and dentists in any of PhilCare’s accredited hospital or clinics for one year. It includes one year unlimited medical consultations with 5,500+ PhilCare affiliated pediatricians nationwide; One year unlimited dental consultations with Dental Network dentists; Hassle-free SMS registration; elf-generated online Letter of Authorization.”
As of posting, it costs P3,700.00. Know more about it here.
- Philcare ER Shield – Is the cheapest prepaid health card from Philcare, and covers individuals from six months of age up to 64 years old. According to its website, “the ER Shield is a single-use health card that provides coverage for outpatient emergency care for viral and bacterial illnesses and treatment of injuries resulting from accidents (except for stroke) in designated PhilCare-accredited hospitals.”
As of posting, the ER Shield costs P800.00. Know more about it
2. Maxicare Products
- Maxicare ER Ready – Comes in two variants, the Platinum and the Titanium. According to its website it is available for infants 15 days old, up to adults ageing 65 years old. “Provides up to Php 15,000 one – time coverage on illnesses or injuries that arises from medical-related emergency conditions…One-time availment, but up to two enrollment registration per person per year. Easy registration via SMS – No preliminary check-ups, no paperwork” As of posting, here are the costs:
- Titanium – P549.00
- Platinum – P749.00
The difference between the two is that the higher priced one gives you access to six major hospitals which include: *Six (6) major hospitals: Asian Hospital, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center Quezon City, St. Luke’s Medical Center Taguig, The Medical City.
Read more about it here.
- My Maxicare Lite – According to its website, Maxicare Lite “is a one-time availment In-Patient prepaid health card that covers eight (8) illnesses: Dengue, Malaria, Cholera, Typhoid and Paratyphoid, Gastroenteritis, Pneumonia, Leptospirosis and Chikungunya.”
It has two variants, and as of posting, here are the costs:
- My Maxicare Lite Blue – P2199.00
- My Maxicare Lite Green – P1599.00
The difference between the two is that the higher priced one gives you access to six major hospitals which include: *Six (6) major hospitals: Asian Hospital, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center Quezon City, St. Luke’s Medical Center Taguig, The Medical City.
3. PNB Healthy Ka Pinoy Health Emergency Card – Is a health insurance, that according to its website “provides: Php 20,000 Emergency Hospital Care for Accident and Sickness; and Php 100,000 Accidental Death, Dismemberment and Disability benefits and Php 20,000 Accidental Burial Benefit.” What makes it different from other health cards is that it gives you back 20% of the premium you paid for if you have not been able to use it for the period of validity which is one year.
As of posting, the Annual Premium to avail is only Php 750. You may double the coverage though by paying for an additional premium of Php 500. This can be availed in any PNB Bank branch near you. Click here for more information.
4. The Medicard RXeR – Is an emergency health card from Medicard. Here’s an information from its website “the RxER offers a new and specialized health care maintenance service that covers emergency, preventive and outpatient care. Best of all, there’s no age limit, no medical check-up required and there’s no hierarchy to be followed. Patients requiring care for emergency trauma cases in MediCard-accredited hospitals will have an overall limit of P20,000. In addition, emergency care charges include an ER fee, professional fees and emergency medications directly related to the illness for the following cases, subject to conditions under exclusion: trauma cases within 6 hours from the time of the incident; burns; animal bites and accidental chemical poisoning.”
As of posting, a card costs P1998.00 and can be bought from Medicard Free Standing Clinics. Know more about it here.
So there you have it, I will be updating this post as soon as I discover more prepaid emergency healthcards for babies and children in the Philippines. Please drop by my facebook page for feedback, comments or suggestions.
A Happy Homemaker is a Happy Pinay Mommy!
Leaving you with this video clip on making a family emergency plan:
http://happypinaymommy.com/2017/02/28/emergency-go-bag-contents-baby/
