HEALTH VANTAGE 80 for ADULTS

What’s Covered?

You get 80,000 Annual Benefit Limit coverage for emergency and hospitalization, due to:

🏥 Viral and bacterial illnesses

🏥 Injuries from accidents (🚫 excludes stroke)

Hospital Access

🏥Access care from 500+ accredited hospitals nationwide, excluding the following premium hospitals: Makati Med, St. Luke’s QC & BGC, Asian Hospital, The Medical City, Cardinal Santos, Manila Adventist, Notre Dame de Charles, Philippine Orthopedic Institute.

Coverage Includes

• Room and board (Regular Private Room)
• Doctors’ Fees
• Lab and Diagnostics
• Special treatments (up to ₱5,000 inner limits)
• Medicines (except vaccines) as medically necessary during ER and confinement except for cases declared as non-coverable **, subject to standard inner
• Diagnostic and therapeutic procedures as medically necessary during ER and confinement
limits

Additional Benefits

✨ ₱50,000 Accidental Death & Disability Insurance
✨ ₱10,000 Life Insurance

Conditions Covered:

• ✔️ Accidents and Injuries:
  • Injuries & fractures (except stroke)
  • Animal bites (first dose of vaccine only)
  • Burns, deep cuts needing suturing
  • Accidental chemical poisoning
• ✔️ Acute Illnesses:
  • Appendicitis, Bronchitis, Gastritis, Gastroenteritis with dehydration
  • Pharyngitis, Pneumonia, Sinusitis, Tonsillopharyngitis with moderate dehydration
  • Upper Respiratory Tract Infection, Amoebiasis (initial episode), Anaphylactic Shock
  • Cellulitis, Chicken Pox with complications, Chikungunya, Cholera, Dengue Fever
  • Diphtheria, Leptospirosis, uncomplicated Malaria, Measles with high-grade fever
  • Meningitis, Pertussis, Polio, Systemic Viral Infections (with fever), Typhoid Fever
  • Urinary Tract Infection
• ⚠️ Emergency Cases Include:
  • Massive bleeding
  • Fractures or multiple injuries from accidents
  • Convulsions
  • Acute appendicitis
  • Severe dehydration (e.g., due to fever or diarrhea)
  • Fainting (Syncope)

🔒 Not Covered: Pre-existing conditions, injuries from misconduct, hazardous activities, military service, and other illnesses under PhilCare’s general exclusions.

How to Use Emergency and Hospitalization Benefits:

🏥 Go to the ER of any PhilCare-accredited hospital
💳 Show your Certificate of Coverage and valid ID
📞 Hospital will verify your eligibility with PhilCare
✅ Once approved, your benefits will be applied directly
📌 Once approved, coverage can’t be canceled or reactivated

📝 Refund Policy: You may cancel within 15 days of receiving your Certificate of Coverage if unused. Email prepaidcs@philcare.com.ph.

📩 You will receive a soft copy of the full policy contract within 24 hours from release of your Certificate of Coverage. You may also request it via order@philcare.com.ph.

💡 If you do not agree with the Terms and haven't registered your product yet, you may request a refund, subject to PhilCare’s Return, Refund & Cancellation Policy.

✅ You confirm all personal and health information provided is true and correct. Misrepresentation may lead to cancellation of membership or non-coverage.

🕒 Coverage activation timelines (starting from successful registration):

Emergency Plans – activates within 7 calendar days

VidaCare – activates within 7 calendar days

Consultation Plans – activates within 3 days

DigiMed and MindCare – activates within 24 hours

Dengue RX and Dengue Assist – activates within 30 days

Coverage begins automatically on the activation date. Any conditions or incidents that occur before this date are not covered.

💵 Some plans may include a co-pay amount that must be settled before coverage kicks in.

🚫 Coverage is subject to general exclusions. View the full list of non-coverable conditions at the provided link.

🔒 PhilCare values your data privacy. All medical information is used solely for healthcare purposes and treated confidentially.