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4 Best Health Cards in the Philippines You Should Look Into (Plus, Bonus Health Insurance Option!)

Tuesday, October 07, 2014
Do you have your own health card? 

As a fellow freelancer, I can easily relate with everyone who sent me a message to ask me to recommend affordable health cards which can fit their needs. 

After all, even if your health is your wealth, there's no denying that health comes at a hefty price tag.

When it comes to health insurance, most Pinoys turn to PhilHealth. 

And while PhilHealth is helpful, you know you can do more, right?

4 Best Health Cards in the Philippines

What if you want to do more and get extra benefits - but you don't want to break your bank account? 

This is what I wanted to get, too, back when I was sent to the ER last year because I was paranoid when I had extreme chest pain.

The nurse was like, "Ma'am, do you have health insurance?"

And I was smiling proudly when I said, "Oh of course, I have PhilHealth!" 

It was then when the nurse told me that I could only use PhilHealth if I were confined for a minimum of 24 hours. 

As a result, I had to pay P4,000+ for one tablet of painkiller, one tablet of antacid and 2 hours in the emergency room! Grabe. 

If only I knew of these 4 health cards before... 

What are your choices? 

Here are 4 health cards in the Philippines that you can consider: 

1. Maxicare: EReady  (I'm not affiliated with this company)

What it is: A health-care prepaid card that you can use once during an emergency case. 

What are the medical benefits you can get from it:
coverage for Doctor’s Professional fees, Emergency Room fees, medicines used for the immediate relief and treatment, initial treatment of animal bites for the 1st 24 hours, vaccines for animal bites (e.g. Rabies shot), Laboratory and Diagnostic Procedures up to P15,000. 

4 Best Health Cards in the Philippines

How much should you pay for it: 
- P549 (without major hospitals)
- P749 (with major hospitals) 

Major Hospitals: Asian Hospital, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center QC, St. Luke’s Medical Center Taguig and The Medical City

Where you can buy it: 
through Maxicare Account Officers and accredited agents and brokers

Say, what? 
- You can only avail at accredited hospitals.
Once the EReady Card has been swiped and accepted by the system, it will automatically be deactivated.

Once activated, your card will be valid for one (1) year. When emergency arises, present your card together with a valid ID (government issued or official company or school ID card) to accredited hospitals.

More information can be found here: Maxicare EReady FAQ

2. PNB: Healthy Ka Pinoy  (I'm not affiliated with this company)

4 Best Health Cards in the Philippines

What it is: A health emergency card between PNB Life and EastWest Healthcare. 

What are the medical benefits you can get from it:
 2 Emergency Medical expense availments per year worth P20,000 maximum

How much should you pay for it: 

Where you can buy it: 
- Go to any PNB branch and fill up the Application Form from the New Accounts counter.
- Then, pay the cost of premium through the Bills payment Facility at the Teller counter.

Say, what? 
- To use the card, avail only at the Hospital Network facility of Eastwest Healthcare. 
- For non-accredited Hospitals of Eastwest Health Care, Emergency Care benefits can be claimed through reimbursement method.

More information can be found here: Accredited Hospitals 

3. Medicard: RxER  (I'm not affiliated with this company)

What it is: A health card for cases requiring emergency treatment, preventive and outpatient care.  

What are the medical benefits you can get from it:
Emergency trauma cases in MediCard-accredited hospitals up to P20,000 maximum. 
Emergency diagnostic procedures and lab tests such as ultrasound, CT scan and MRI up to P5,000
You can use the benefits more than once as long as the limit is not yet consumed & incident happened within 6 hours 
- Unlimited free consultations with primary care physicians in all MediCard free standing clinics
 - Flat rate of P350.00 for consultations with other specialists

4 Best Health Cards in the Philippines

How much should you pay for it: 


Where you can buy it: 
- You can apply for it online.

Say, what? 
If you avail in non-MediCard-accredited hospitals, your reimbursement is of course, subject to the ER limit of P20,000.
- See the exclusions of coverage here. 

4. PhilCare: ER Vantage  (I'm not affiliated with this company)

What it is: A one-time use card that covers emergency care leading to admission. 

What are the medical benefits you can get from it:
- Covers room and board based on the amount you pay
Covers hospital emergency care for animal bites except vaccines

4 Best Health Cards in the Philippines

How much should you pay for it: 
- P900 for Ward room (P40,000 benefit limit)
- P1,100 for Semi-Private Room (P60,000 benefit limit) 
- P1,300 for Regular Private Room (P80,000 benefit limit) 

Where you can buy it: 
- Through agents or PhilCare clinics 

Say, what? 
- You can only use it in accredited hospitals. 

Bonus: Sun Life - Sun Life Assure 

What it is: 

It is NOT a health card. 

It's a life insurance that gives you the lump sum when you pass away or when you get diagnosed, while living, with any of the 36 specified critical illnesses. 

What are the medical benefits you can get from it:
- If you get diagnosed with any of the 36 specified critical illnesses, you get the lump sum benefit even when you're still alive :) 

1. Heart Attack
2. Stroke
3. Cancer
4. Kidney Failure
5. Dissecting Aortic Aneurysm
6. End Stage Lung Disease
7. Progressive Muscular Atrophy
8. Major Burns
9. Multiple Sclerosis
10. Paralysis
11. Total Blindness
12. Loss of Limbs
13. Aplastic Anaemia
14. Bacterial Meningitis
15. Benign Brain Tumour
16. Deafness
17. Encephalitis
18. Amyotrophic Lateral Sclerosis (ALS)
21. Cerebral Metastasis
22. Loss of Speecch
23. Coma
24. Parkinson’s Disease
25. Terminal Illness
26. Medullary Cystic Disease
27. Alzheimer’s Disease
28. Fulminant Hepatitis
29. Major Head Trauma
30. End Stage Liver Failure
31. Motor Neurone Disease
32. Guillain-Barre Syndrome

33. Major Organ Transplant
34. Coronary Artery Bypass Surgery
35. Surgery for Disease of the Aorta (Aortic Surgery)
36. Replacement of Heart Valve

How much should you pay for it: 
- It depends on your age, your sex and the coverage that you want. 

For example:
- a male non-smoker 25-year old can get a benefit of 500,000 just by paying P4,060 per year
a female non-smoker 25-year old can get a benefit of 500,000 just by paying P4,030 per year

Where you can buy it: 
- You talk to Sun Life advisors, like me, who can make the proposal for you. 

Say, what? 
- Since the price depends on your age, it increases every 5 years. (Since I'm affiliated with Sun Life, you can email me to get a proposal.)

Honestly, since the top leading causes of death in the Philippines are heart diseases, cancer, vascular diseases and kidney diseases, I personally got my own Sun Life Assure plan. 

After all, what I like about this is I don't need to present a lot of medical exams just so I can get the benefit.

Also, if I get diagnosed, I only need to present the proof of diagnosis and Sun Life will release the lump sum so I'll have money to use for my treatment. 

You can't work if you're critically ill, can you?


What is money if you are not healthy? 

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Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

We can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. No obligation to do anything - except share what you learned with your friends!

If you find this post helpful, please SHARE it to your friends. Who knows, you might help them by educating them. :) 

Thank you, wonderful people!

Live wisely,

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