Prepaid medical insurance is becoming increasingly popular in the Philippines. It is a great way to save money on premiums. It’s also an excellent option for those who want more control over their coverage. This is because prepaid insurance allows you to customize the amount of coverage you need to meet your specific needs.

Adults are the most common demographic for prepaid insurance. Let’s take a look at the three best prepaid health insurance plans for adults in the Philippines.

These three best prepaid medical insurance for adults were chosen for their affordability. The majority of the coverage is for accidents, as well as bacterial and viral illnesses that necessitate outpatient care or emergency hospitalization.

Follow the links to the official website to learn more about the details of the offer and the coverage, as well as to browse other product options.

LIST OF THE BEST PREPAID INSURANCE FOR ADULTS IN THE PHILIPPINES

  1. INSULAR LIFE ER Care All-In 80 Adults
    This one-time use health care voucher provides up to Php 100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.
  2. PHILCARE ER Vantage Plus 60 for Adults
    A single-use healthcare plan that provides coverage of up to P60,000 for emergency care and hospitalization for viral and bacterial illnesses, treatment of injuries resulting from accidents (except for stroke) in 500+ designated PhilCare-accredited hospitals nationwide.
  3. PHILCARE ER Vantage Plus 60 for Adults
    Any life-threatening or unexpected onset of a condition or illness, which requires the immediate alleviation of pain or discomfort within 24 hours including confinement in a regular private room. Up to ₱50,000 coverage on Emergency Room treatment including those requiring confinement, in a regular private room. Up to ₱50,000 coverage on Emergency Room treatment including those requiring confinement, in a regular private room.

THE BEST PREPAID INSURANCE FOR ADULTS

1. INSULAR LIFE ER Care All-In 80 Adults

₱1,350.00

Photo of INSULAR LIFE ER Care All-In 80 Adults Insurance Prepaid Card
INSULAR LIFE ER Care All-In 80 Adults

This one-time use health care voucher provides up to Php 100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

Services include outpatient and inpatient emergency care, regular private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

The Php 80,000 benefit limit covers these items:

  • Doctor’s professional fee
  • Laboratory and diagnostic procedures
  • Emergency room care
  • Semi-private room accommodations
  • Medicines as medically in the emergency room and during confinement
  • Surgery and surgeon’s fees when medically necessary
  •  Use of operating room, recovery room, and ICU, as medically necessary
  •  Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.
  • A hospital cash allowance of Php 1,000 when confined

To know more about the complete benefit coverage of ER Care All-In 80 Adults and its terms and conditions, read Insular Health Care’s Health Care Agreement.

Learn more…

2. PHILCARE ER Vantage Plus 60 for Adults

₱1,350.00

Photo of PHILCARE ER Vantage Plus 60 for Adults Insurance Prepaid Card
PHILCARE ER Vantage Plus 60 for Adults

A single-use healthcare plan that provides coverage of up to P60,000 for emergency care and hospitalization for viral and bacterial illnesses, and treatment of injuries resulting from accidents (except for stroke) in 500+ designated PhilCare-accredited hospitals nationwide.

Benefit Coverage:

Outpatient Emergency Care and Hospitalization Care Benefits:

ER Vantage Plus 60 for Adults gives you a one-time coverage of up to Php 60,000 for viral, bacterial illnesses and treatment of injuries resulting from accidents (except stroke) ** In more than 500 accredited hospitals nationwide excluding nine (9) premium hospitals (Makati Medical Center, St. Luke’s Medical Center in QC and Global, Asian Hospital, The Medical City, Cardinal Santos Medical Center, Manila Adventist Medical Center, Notre Dame de Charles Hospital and Philippine Orthopedic Institute). The Coverage is inclusive of the following benefits:

  • Room and board (Semi-Private Room)
  • Doctors’ fees
  • Laboratory and diagnostics procedures
  • Special modalities of treatment as medically necessary during ER and confinement, subject to P5,000 inner limits
  • Medicines (except vaccines) as medically necessary during ER and confinement except for cases declared as non-coverable **, subject to standard inner limits
  • Diagnostic and therapeutic procedures as medically necessary during ER and confinement

Emergency cases are the sudden, unexpected onset of illness or injury, which at the time of contract reasonably appeared as having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort. Emergency cases include but are not limited to the following: (a) Massive Bleeding; (b) Acute Appendicitis; (c) Fractures/multiple injuries secondary to accidents; (d) Convulsions; (f) illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and (h) Syncope. Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered.**

Other Additional Benefits (this benefit is provided by a third party-insurance provider):

  • Php 50,000 accidental death and disability coverage

Learn more..

3. MAXICARE EReady Advance Titanium

₱2,950.00

Photo of MAXICARE EReady Advance Titanium Insurance Prepaid Card
MAXICARE EReady Advance Titanium

Emergency Room coverage plus confinement without access to the 6 major hospitals.

Highlights:

  • Up to ₱50,000 coverage on Emergency Room treatment including those requiring confinement, in a regular private room.
  • Single usage per card. You can use multiple cards in a year.
  • Eligible for ages 15 days old to 65 years old only
  • Free and unlimited consultations with Internal Medicine, Family Medicine, General Practitioners and Pediatricians in all Maxicare Primary Care Clinics nationwide
  • Group Life with Accidental Death, Dismemberment & Disablement (ADD&D) up to ₱50,000
  • Emergency medical assistance with Assist America for members who are traveling more than 150km from home, or in a foreign country, for up to 90 days
  • Valid for 1 year from the activation date
  • Covers preexisting conditions
  • No preliminary checkups and paperwork needed

* This is in partnership with Assist America. Visit their website www.assistamerica.com for more information.

Coverage:

Any life-threatening or unexpected onset of a condition or illness, which requires the immediate alleviation of pain or discomfort within 24 hours including confinement in a regular private room.

Includes:

  • Outpatient emergency coverage
  • Doctor’s services for emergency treatment
  • Emergency Room fees
  • Emergency (no take-home) medicines for immediate relief and treatment
  • Oxygen, IV fluids, whole blood, and human blood products
  • Dressings, casts, sutures
  • X-ray, laboratory, and diagnostic exams
  • Initial treatment for animal bites (within 24 hours from the time of the bite; with vaccines included)

Inpatient coverage:

  • Room and board accommodation in a regular private room
  • Use of Operating Room, Intensive Care Unit (ICU), Isolation Room (if prescribed by the affiliated attending physician), and Recovery Room
  • Professional fees
  • Standard nursing services
  • Medicines when in confinement
  • Whole blood products, and IV fluids transmission
  • X-ray, laboratory, and diagnostic exams
  • Anesthesia, oxygen, and its administration

Free and unlimited consultations with Internal Medicine, Family Medicine, General practitioners and Pediatricians in all Maxicare Primary Care Clinics (PCC) nationwide

Learn more…

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