HMO subscription may be too much for the budget conscious Filipino. However, one can now get protected from medical expenses with a prepaid health card. Find out which one is best for your needs and capacity to pay.
What is Prepaid Health Card
A prepaid health card is a product for those who find regular HMO plans to be expensive. These cards include various medical benefits depending on the price, coverage and accessibility. While cheap health plans are available, the application process may be tedious.
Price
In the Philippines, the price of prepaid HMO can range from Php 700 to Php 5,999 which depends on the coverage and benefits. It is a good idea to look at the price list of health cards and do a comparison of these products.
InLife
InLife health cards have affordable prices to get you started with health care coverage.
https://www.insularlife.com.ph/
| Product Name | Price (Php) | Benefits |
|---|---|---|
| ER Care Basic | 700 | – For accidents – Php 50,000 coverage – Doctor’s professional fee – Emergency room treatment – Laboratory and diagnostic procedures – Required medicines during hospitalization |
| ER Care Booster 60 | 800 | – For accidents – Php 60,000 coverage – Ward – Doctor’s fee – Emergency room – Lab and diagnostic procedures – Room accommodation – Required medicines – Surgery and surgeon’s fees – Cash allowance of Php 1,000 when confined |
Maxicare
Maxicare has an extensive network of hospitals, doctors and clinics for members. You can choose a card based on your needs.
| Product Name | Price (Php) | Benefits |
|---|---|---|
| Maxicare Prima Gold | 16,888 | – unlimited access to 800 lab and diagnostic procedures – unlimited consultations – valid at Maxicare clinics – newborns to seniors – with pre-existing condition – 24/7 teleconsult – free dental services |
| Maxicare Prima Silver | 8,888 | – unlimited access to 200 prescribed medical tests – unlimited consultations – valid at Maxicare clinics – newborns to seniors – with pre-existing condition coverage – teleconsult services |
| Maxicare Eready Advance (Platinum) | 5,999 | – Php 50,000 coverage – includes 6 major hospitals – covers pre-existing conditions – no check up required – valid for 1 year |
Medicard
Medicard offers total health packages for individuals, SMEs and families.
| Product Name | Price (Php) | Benefits |
|---|---|---|
| My Medicard | 3,600 | – unlimited consultations with accredited doctors and hospitals Family medicine Internal medicine Cardiologist Endocrinologist Pulmonologist Gastroenterologist Dentists – dental prophylaxis for mild cases |
| RXER | 1,998 | – annual physical exam (APE) in Medicard clinics – doctor consultations in Medicard clinics General Practitioner Family Medicine Physician Pediatrician Medical Internist Gynecologist – other doctors types, pay flat rate of Php 350 – burns – animal bites – trauma |
Validity
Most prepaid health cards have a validity of one (1) year upon activation of the account. Some of them may have a grace period of 15 days after activation before the member can avail of the benefit coverage.
However, accidents and emergency room treatment are covered once activated.
Payment Options
The prepaid cards are available online. You can pay using your credit card or e-wallets. One may also avail the cards at any of the business centers or branches of the HMO company in your area.
Renewal
Since the cards are prepaid, there is no need for a renewal. Simply purchase the same card so you can get covered for the next year.
Leave a Reply