Not everyone can afford a comprehensive health plan that provides annual coverage. Those who are employed usually have this benefit and can extend the benefit to their family members either for a fee or as additional benefit as provided by the employer. In my case as an OFW, the latter was never an option. This prompted me to find other options which could adequately cover my family’s needs. My search led me to the Prepaid Health Card.
PhilCare Prepaid Health Card
In my search for the most advantageous option to cover my children’s emergency care and hospitalization needs, I found PhilCare’s ER Vantage 80. It is a Prepaid Health Card that provides one-time in-patient availment for up to PHP 80,000. It costs PHP 1,300 per card.
As compared to the regular health card which provides for annual coverage to its holders as long as payments are updated, a prepaid health card is only good for one-time use. This simply means that for the price of PHP 1,300, a patient is covered up to PHP 80,000 once confined in the hospital. There will be a need to buy another card to ensure continuous coverage for future sicknesses. This health card is only one of the many options in getting a PhilCare Prepaid Health Card.
We all know that payments made for health cards are not refundable whether we use it or not. Although we should be thankful if there is no reason to use it since that would mean everyone in the family is well, the reality of actual costs cannot be ignored.
The Prepaid Health Card is valid for a year. Pre-existing conditions are not covered. Philhealth is required for the availment of this card during hospital confinement so make sure that your Philhealth contributions are updated.
Actual Use of the Prepaid Health Card
Like most mothers, I always pray that there will be no reason for me to use the Prepaid Health Card I bought for my children. Unfortunately, my eldest child recently got sick and was required to be treated in the hospital for about 4 days. Aside from the concern I felt for my son’s health, there was the equally troubling concern about the health card. As this is only the first time that I will be using Philcare’s ER Vantage Card, we feared that the provider might give us a hard time.
Blame that on the many stories I hear about being promised one thing when providers are still trying to convince customers to try a product or service and then encountering so many obstacles once the actual need for the product or service arises. I am glad to say that we were able to use the PhilCare Prepaid Health Card to pay for the hospital expenses of my son with much ease and convenience. I was asked to pay only for some miscellaneous expenses. Now that I know that this health card option actually works, I would gladly recommend it to my friends and family. There are a lot of options with regards to prepaid health card features and providers, just make sure that you choose one that fits your needs and budget.
When I tried to buy another ER Vantage 80 card for my son for possible future use, I was informed that it is no longer available for people below 18 years of age. Apparently, because of the higher incident rate for sickness for this particular age group, the original offer was no longer deemed feasible. The increase in the age requirement was made effective on September 15, 2016. However, they are still honoring cards that were purchased before that date.
What they are offering as the nearest alternative is their Health Vantage+ Card. At a cost Of PHP 6,500 for a card with 1 year validity, the patient can use it for unlimited number of times as long as it is still covered by the plan amount which is PHP 80,000 in this case. It also provides PHP 50,000 accidental death and dismemberment coverage and PHP 10,000 life insurance coverage.
Although I can understand the change from a business point of view, it is disappointing to know that I will no longer be able to get the same service for the original price. Well PHP 6,500 is certainly a big increase from PHP 1,300. To think that I will always have to think in terms of 4 children, then we are talking about a substantial amount every year.