Last month, my son had a minor accident that required an ophthalmologist to suture his eyelid. It stressed me a lot as I need to bring him ASAP to the hospital’s emergency room. Aside from the doctor’s fee and emergency room expenses, we still need to buy him new eyeglasses. The broken lens of his glasses caused the deep laceration on his left eyelid.
Again, the incident stressed me a lot. My husband resigned from his corporate job last January and just started his construction business. Every single centavo is important. And an unexpected trip to the hospital’s emergency room undoubtedly hurt our budget. “If only we have a healthcare plan,” was the only thing I uttered to my husband when he asked about our hospital trip.
Vantage point of HMO
There are things we do not expect, emergency cases included. We have experienced a number of incidents from the past wherein we rushed the boys to the hospital due to accidents and illnesses. Though expenses were high, we never worry about them as we had a healthcare to turn to. One of the perks of being an employee.
Sadly though, now that my husband resigned from work, he also gave up our healthcare plan. With four children and a pregnant wife, he just cannot afford to provide us a health card. The little money we have is for our food, kids’ school needs, and household bills payment. I am yet to save for the kids’ education and our savings account. And the best way to avoid sudden expenses like hospital visits is praying hard that it won’t happen anytime soon.
After my second son’s accident, I readily searched for affordable healthcare plans. I find its value worth everything. It provides us with the comprehensive medical care services we need. With a Health Maintenance Organization (HMO) card, we just present our card, and the doctor is ready to see us or assist us.
ER Vantage Plus at your fingertips
From my online shopping, I came across the ER Vantage Plus. It is PhilCare’s new online healthcare vouchers. It provides coverage for emergency care leading to admission for treatment. These emergency cases are mostly due to accident or illness. When I checked the accredited hospital nationwide, PhilCare has around 500 plus affiliates.
It impressed me how easy one could get an ER Vantage Plus. In just a few clicks, one could readily acquire his healthcare plan online and use it. Take note that unlike getting an insurance policy, ER Vantage Plus requires no medical test for enrollment eligibility.
I checked the system, and the process was just so easy. It would probably take you about a few minutes only.
- Go to PhilCare’s online shop and click on ER Vantage Plus to purchase.
- Upon confirmation of purchase and payment, PhilCare sends an email containing the registration details (voucher number, serial number, and PIN code) and the registration link.
- After successful registration, one receives his ER Vantage Plus voucher, with unique certificate number (identification number as a PhilCare member) validity period, and the complete product details.
- The plan becomes valid seven days from registration date.
- After validation, ER Vantage Plus is ready for use.
Vantage point of PhilCare
Aside from ease of purchase and activation process, I also like the fact that ER Vantage Plus is a product of PhilCare. Established in 1982, PhilCare is one of the country’s pioneering HMO companies. Its company vision is direct to the point – allows Filipinos to enjoy a better quality of life by providing them access to world-class health services.
As part of its constant pursuit of making Filipinos healthy and secured, PhilCare opened the first e-Commerce site for healthcare products in 2014. It adapted the sachet-packaging or tingi system to making healthcare accessible to many. In the latter part of 2016, it launched its first online-exclusive product, fortifying PhilCare as a technology-enabled company. Indeed, who wouldn’t be impressed with such company portfolio?
ER Vantage Plus advantages
ER Vantage Plus has three variants and pricing according to the age of the enrollee. Depending on the coverage one will get, this unique product gives a one-time coverage for emergency room care and hospitalization expense including the following:
- Doctors’ fees
- Laboratory and diagnostic procedures
- Room and board
- Medicines (except vaccines) as medically necessary during confinement except for cases declared as non-coverable
- Special modalities of treatment which are medically necessary during ER and confinement
- Diagnostic and therapeutic procedures as medically necessary during ER and confinement
Vantage point of having ER Vantage Plus
Have I told you we got a son who just had a school accident? Aside from him, we have two more school boys and a 19-month son. I am pregnant with our fifth boy and my husband works hard to bring food and money to the small house. Because we budget our money – but value our family’s health and security – we may choose from the three variants of ER Vantage Plus. We may opt for ER Vantage Plus 40, 60 or 80 representing one-time coverage of up to P40,000, P60,000 and P80,000 respectively. Aside from that, even my 19-month old boy can be covered with its for kids coverage (6months to 17 years old). And the cool part is, payment differs from the amount and person covered thus I have the advantage to play with my budget.
I do not wish for any of my boys to be brought to the emergency room or worst, be confined in a hospital. But because emergency cases are unexpected, I am secured to have our ER Vantage Plus by our side. I need not worry about hospital deposit as my coverage will pay for it. And the good news is, ER Vantage Plus is accepted in 500 plus PhilCare-accredited hospitals nationwide.
This momi invites you to visit ER Vantage Plus page and check what plan best suits you and your family. Even the payment option is so convenient you may opt to pay through credit card, debit card, online banking or even over-the-counter.
Momi Berlin Directory