How to Use ER Guard Prepaid Health Card During a Medical Emergency

When a sudden illness or accident sends a family member to the emergency room, it’s natural to worry. When fear and uncertainty overwhelm you, it can be hard to think clearly. On top of worrying about your loved one’s health, thoughts about medical expenses can add to the stress.

Although you cannot predict an emergency or a sudden illness, it can happen to anyone. A prepaid health card in the Philippines, like ER Guard by Medicare Plus Inc., can help make an emergency easier to manage. Knowing what to do can help you respond to a medical situation with greater confidence, so you can focus on the care you or your loved one needs.

When To Seek Emergency Medical Care?

Not every health issue requires an emergency room visit, but it’s important to know when a condition needs emergency care. For instance, the following symptoms should not be ignored:

Difficulty breathing
Severe stomach pain
Severe chest pain
Signs of dehydration
Allergic reactions
Severe headache or head injury
Deep wounds or uncontrolled bleeding
Severe burns
Sudden vision changes
Sudden numbness, weakness, or difficulty speaking (these are potential signs of stroke)

Nobody knows your body better than you do. If you experience any of these symptoms or feel that something is seriously wrong, it’s best to seek emergency assistance. Acting fast during a serious health situation can help save lives.

How to Use Your ER Guard During an Emergency?

You can use your ER Guard or ER Guard Plus physical or digital card in any emergency room of private hospitals in the Philippines.

In case of an emergency, call the 24/7 Medical Concierge Hotline: (0919) 058-5858 | (02) 899-51920 and they’ll take it from there, including directing you to the nearest emergency room.

How to Make the Most of Your ER Guard Prepaid Health Card?

With the ER Guard emergency prepaid health card, you can receive outpatient coverage, including:

Physician services and emergency room charges
Dressings, sutures, plaster casts, and similar medical supplies used during emergency treatment
Oxygen, IV, and blood products
Medications used for urgent treatment and relief
Laboratory and diagnostic tests directly related to the emergency
First treatment for animal bites covered for the first 24 hours from the time of the bite, subject to ABL. Cost of first dose of vaccine, passive or active, up to ₱2,500.

With an ER Guard Plus emergency prepaid health card, you can receive the same outpatient coverage plus inpatient care. In case of confinement, ER Guard Plus covers:

Room and board accommodation (ward, including the use of ICU, OR, recovery and isolation rooms)
Professional fees
Regular nursing services
Medications used during confinement
Oxygen, including its administration
Blood product transfusions
Anesthesia, including its administration
Diagnostic tests and procedures
Routine medical procedures

Bottomline

You may not know when a sudden illness or emergency will happen, but you can be proactive by getting an ER Guard, the best prepaid emergency health card in the Philippines.

Don’t wait for an emergency to occur before you focus on your healthcare needs. A prepaid health card like ER Guard or ER Guard Plus is a practical way to prepare for unexpected medical expenses without worrying about monthly fees.

ER Guard costs only ₱970, but it can provide up to ₱20,000 in outpatient emergency coverage. If you want more coverage, ER Guard Plus costs only ₱3,315, but offers up to ₱50,000 in outpatient and inpatient care.

Investing in emergency coverage today is one of the best gifts you can give yourself and your loved ones.

Frequently Asked Questions

1. When should I go to the emergency room?
Go to the nearest emergency room immediately if you experience potentially life-threatening symptoms such as severe chest pain, difficulty breathing, uncontrolled bleeding, head injury, signs of stroke, and other serious health conditions.

2. What is a prepaid emergency health card?
A prepaid emergency health card, such as ER Guard, is a healthcare product that provides access to specific emergency medical benefits. Unlike traditional HMO plans with recurring premiums, it requires only a one-time payment. It is designed for one-time use, meaning the card cannot be used again, even if the full coverage limit has not been exhausted.

3. How much does an ER Guard prepaid health card cost?
ER Guard costs ₱970 and provides up to ₱20,000 in outpatient care, subject to terms and conditions.

4. How much does an ER Guard Plus prepaid health card cost?
ER Guard Plus costs ₱3,315 and provides up to ₱50,000 in emergency and inpatient care, subject to terms and conditions.

5. Can I use ER Guard and ER Guard Plus at any hospital in the Philippines?
ER Guard and ER Guard Plus can be used at any emergency room of private hospitals in the Philippines.

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