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ER Care Product Table




ER CARE ALL-IN ADULTS ER CARE ALL-IN KIDS
ER Care All-In 80 ER Care All-In 100 ER Care All-In 60 ER Care All-In 80 ER Care All-In 100
Age 18 - 64 18 - 64 1 - 17 1 - 17 1 - 17
Price
without access to *Top 6 hospitals
1480 2000 3260 4380 5500
Price
with access to *Top 6 hospitals
2480 3000 5260 6380 7500
Benefit Limit 80,000 100,000 60,000 80,000 100,000
Emergency
Room (ER)
Hospital-based Emergency room care Hospital-based Emergency room care Hospital-based Emergency room care Hospital-based Emergency room care Hospital-based Emergency room care
Room Type Semi-private Private Ward Semi-private Private
Validity 12 months or up until used 12 months or up until used 12 months or up until used 12 months or up until used 12 months or up until used
Usage One-time use One-time use One-time use One-time use One-time use
Payment One-time payment One-time payment One-time payment One-time payment One-time payment
Activation 10 calendar days after registration 10 calendar days after registration 10 calendar days after registration 10 calendar days after registration 10 calendar days after registration
Emergency case covered Accidents, viral and bacterial illnesses, and specific conditions Accidents, viral and bacterial illnesses, and specific conditions Accidents, viral and bacterial illnesses, and specific conditions Accidents, viral and bacterial illnesses, and specific conditions Accidents, viral and bacterial illnesses, and specific conditions
Benefit 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 necessary 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.
The Php 100,000 benefit limit covers these items:

✓ Doctor's professional fee

✓ Laboratory and diagnostic procedures

✓ Emergency room care

✓ Regular private room accommodations

✓ Medicines as medically necessary 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.
The Php 60,000 benefit limit covers these items:

✓ Doctor's professional fee

✓ Laboratory and diagnostic procedures

✓ Emergency room care

✓ Ward room accommodations

✓ Medicines as medically necessary 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.
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 necessary 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.
The Php 100,000 benefit limit covers these items:

✓ Doctor's professional fee

✓ Laboratory and diagnostic procedures

✓ Emergency room care

✓ Regular private room accommodations

✓ Medicines as medically necessary 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.
Additional benefit Hospital cash allowance of Php 1,000 when confined Hospital cash allowance of Php 1,000 when confined 1-year access to over-the-phone/telemedicine access with MyPocketDoctor 1-year access to over-the-phone/telemedicine access with MyPocketDoctor 1-year access to over-the-phone/telemedicine access with MyPocketDoctor
Coverable cases ER Care All-In covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk
sports ● Accidental chemical poisoning

ER Care All-In covers diseases that include, but are not limited to:
● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

The final medical diagnosis shall be the basis for a Member's eligibility to emergency care
benefits.
ER Care All-In covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk
sports ● Accidental chemical poisoning

ER Care All-In covers diseases that include, but are not limited to:
● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

The final medical diagnosis shall be the basis for a Member's eligibility to emergency care
benefits.
ER Care All-In covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk
sports ● Accidental chemical poisoning

ER Care All-In covers diseases that include, but are not limited to:
● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

The final medical diagnosis shall be the basis for a Member's eligibility to emergency care
benefits.
ER Care All-In covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk
sports ● Accidental chemical poisoning

ER Care All-In covers diseases that include, but are not limited to:
● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

The final medical diagnosis shall be the basis for a Member's eligibility to emergency care
benefits.
ER Care All-In covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk
sports ● Accidental chemical poisoning

ER Care All-In covers diseases that include, but are not limited to:
● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

The final medical diagnosis shall be the basis for a Member's eligibility to emergency care
benefits.
Special Modalities of Treatment covered Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures ● Magnetic Resonance Angiography ● Magnetic Resonance Imaging (MRI) ● Computerized Tomography (CT) Scans ● Endoscopic Procedures (Therapeutic) ● Pain Management ● Arthroscopic Procedures, Orthopedic Arthroscopy ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures ● Magnetic Resonance Angiography ● Magnetic Resonance Imaging (MRI) ● Computerized Tomography (CT) Scans ● Endoscopic Procedures (Therapeutic) ● Pain Management ● Arthroscopic Procedures, Orthopedic Arthroscopy ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures ● Magnetic Resonance Angiography ● Magnetic Resonance Imaging (MRI) ● Computerized Tomography (CT) Scans ● Endoscopic Procedures (Therapeutic) ● Pain Management ● Arthroscopic Procedures, Orthopedic Arthroscopy ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures ● Magnetic Resonance Angiography ● Magnetic Resonance Imaging (MRI) ● Computerized Tomography (CT) Scans ● Endoscopic Procedures (Therapeutic) ● Pain Management ● Arthroscopic Procedures, Orthopedic Arthroscopy ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures ● Magnetic Resonance Angiography ● Magnetic Resonance Imaging (MRI) ● Computerized Tomography (CT) Scans ● Endoscopic Procedures (Therapeutic) ● Pain Management ● Arthroscopic Procedures, Orthopedic Arthroscopy ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
Non-coverable cases Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under InLife Health Care’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:
(a) Any professional advice or treatment was given for such illness or condition;
(b) Such illness or condition was in any way already known to the Member; or
(c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under InLife Health Care’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:
(a) Any professional advice or treatment was given for such illness or condition;
(b) Such illness or condition was in any way already known to the Member; or
(c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under InLife Health Care’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:
(a) Any professional advice or treatment was given for such illness or condition;
(b) Such illness or condition was in any way already known to the Member; or
(c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under InLife Health Care’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:
(a) Any professional advice or treatment was given for such illness or condition;
(b) Such illness or condition was in any way already known to the Member; or
(c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under InLife Health Care’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:
(a) Any professional advice or treatment was given for such illness or condition;
(b) Such illness or condition was in any way already known to the Member; or
(c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
Hospital Access More than 500 accredited hospitals nationwide. Please see ER CARE LIST OF HOSPITALS

*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati
Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City
More than 500 accredited hospitals nationwide. Please see ER CARE LIST OF HOSPITALS

*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati
Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City
More than 500 accredited hospitals nationwide. Please see ER CARE LIST OF HOSPITALS

*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati
Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City
More than 500 accredited hospitals nationwide. Please see ER CARE LIST OF HOSPITALS

*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati
Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City
More than 500 accredited hospitals nationwide. Please see ER CARE LIST OF HOSPITALS

*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati
Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City
Philhealth Once there is an admission, PhilHealth coverage is required since it also covers inpatient care.
However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
Once there is an admission, PhilHealth coverage is required since it also covers inpatient care.
However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
Once there is an admission, PhilHealth coverage is required since it also covers inpatient care.
However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
Once there is an admission, PhilHealth coverage is required since it also covers inpatient care.
However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
Once there is an admission, PhilHealth coverage is required since it also covers inpatient care.
However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
Terms & Conditions and General Exclusions Subject to the Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions of InLife Health Care. Please access the current version by clicking ER CARE ALL-IN TERMS & CONDITIONS and GENERAL EXCLUSIONS Subject to the Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions of InLife Health Care. Please access the current version by clicking ER CARE ALL-IN TERMS & CONDITIONS and GENERAL EXCLUSIONS Subject to the Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions of InLife Health Care. Please access the current version by clicking ER CARE ALL-IN TERMS & CONDITIONS and GENERAL EXCLUSIONS Subject to the Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions of InLife Health Care. Please access the current version by clicking ER CARE ALL-IN TERMS & CONDITIONS and GENERAL EXCLUSIONS Subject to the Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions of InLife Health Care. Please access the current version by clicking ER CARE ALL-IN TERMS & CONDITIONS and GENERAL EXCLUSIONS
HealthCare Agreement Subject to the InLife Health Care HealthCare Agreement. Please access the current version by clicking ER CARE HEALTHCARE AGREEMENT Subject to the InLife Health Care HealthCare Agreement. Please access the current version by clicking ER CARE HEALTHCARE AGREEMENT Subject to the InLife Health Care HealthCare Agreement. Please access the current version by clicking ER CARE HEALTHCARE AGREEMENT Subject to the InLife Health Care HealthCare Agreement. Please access the current version by clicking ER CARE HEALTHCARE AGREEMENT Subject to the InLife Health Care HealthCare Agreement. Please access the current version by clicking ER CARE HEALTHCARE AGREEMENT

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