Medical allowance for government employees

All-In protection against sudden medical emergencies. ER Care All-In provides up to P100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents, viral/bacterial diseases, and specific conditions. Kids from 1 to 17 years old and adults from 18 to 64 years old can take advantage of this one-time use health plan. 

The benefit limit covers:   

• Doctor’s professional fee 
• Emergency room treatment 
• Laboratory and diagnostic procedures 
• Room accommodation if confinement is required 
• Required medicines during hospitalization 
• Surgery and surgeon’s fees, if medically required 
• 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. 
• Hospital cash allowance of Php 1,000 when confined (for adults only) 
• 1-year unlimited access to telemedicine/remote medical consultation (for kids only) 

ER Care All-In is valid for 1 year or up until used, whichever comes first. It can be used in more than 2,000 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City. 

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

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 up to a maximum of Php20,000
• Cuts, new, needing suturing
• Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

NON-COVERABLE CONDITIONS

Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’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:

1. Any professional advice or treatment was given for such illness or condition;
2. Such illness or condition was in any way already known to the Member; or
3. 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.