What is ER Guard? Complete Guide to Coverage, Cost, and Benefits

Walang pinipiling oras ang emergency. It can happen on an ordinary day, during a rainy commute, or when you least expect it. A sudden illness or accident can transform a normal day into a stressful situation, especially if you don’t have medical insurance. Medical expenses can add up quickly and put a strain on your family’s finances.

That’s why being prepared matters.

ER Guard and ER Guard Plus by Medicare Plus are affordable prepaid health cards that offer a practical way to prepare for the sudden onset of illnesses and accidents.

With just one payment, members can receive one-time emergency coverage valid for one year. No monthly payments or recurring fees, just straightforward protection when you need it.

Medicare Plus Prepaid Emergency Health Cards

ER Guard and ER Guard Plus, the best prepaid emergency health card in the Philippines, can be used in any emergency room of private hospitals in the Philippines. Both are available to eligible cardholders aged 15 days to 60 years old.

With ER Guard and ER Guard Plus, you get financial protection and peace of mind from medical emergencies. Instead of worrying about the medical expenses, you can focus on getting the care you need.

1. ER Guard

ER Guard costs only ₱970 and provides up to ₱20,000 coverage. It features one-time outpatient emergency care, including physician services and emergency room fees.

2. ER Guard Plus

ER Guard Plus costs only ₱3,315 and provides up to ₱50,000 coverage. It features one-time emergency and in-patient care, including physician services, emergency room fees, and room and board accommodation.

Benefits/Inclusions

Outpatient / Emergency Treatment Care (Applicable to ER Guard and ER Guard Plus)

Physician services and ER room fees
Medical supplies (e.g., dressings, sutures, plaster casts, and others)
Laboratory and diagnostic examinations directly related to the emergency
Medicines for immediate relief during treatment
IV, oxygen, and blood products
Initial treatment of animal bites covered for the first 24 hrs from the time of bite, subject to ABL. First dose of vaccine, limited to Passive and Active (cost of vaccine up to P2,500).

Inpatient Care (Applicable to ER Guard Plus only)

Room and board (ward), including the use of ICU, operating room, recovery, and isolations rooms
Professional fees
Standard nursing services
Diagnostic procedures
Routine procedures
Medications during confinement
Anesthesia and its administration
Oxygen and its administration
Blood product transfusions

Please visit the Medicare Plus website to see the list of limitations/exclusions.

Pre-Existing Condition Coverage

Emergency treatment resulting from a pre-existing condition (PEC) is 100% covered by ER Guard and ER Guard Plus. This provides an added layer of financial protection, especially for individuals who already have existing health concerns.

Validity and Usage of ER Guard and ER Guard Plus

The card is valid for one year from the date the card is activated.
The effectivity date of the card is five (5) calendar days after the activation date.
One-time use per card. After the emergency and inpatient services have been administered, the card shall no longer be valid.
Multiple cards can be purchased in a year. However, a cardholder can only use one card per emergency.
Once activated, ER Guard and ER Guard Plus are not transferable.

Bottomline

With ER Guard and ER Guard Plus, you get financial protection and peace of mind when medical emergencies happen. Instead of worrying about unexpected expenses, you can focus on getting the care you need when it matters most.

Don’t wait until an emergency takes place. Get an ER Guard or ER Guard Plus today and be prepared for unexpected medical expenses.

FAQ

1. What is a prepaid health card?
A prepaid health card provides specific medical benefits such as emergency care for a fixed price and coverage period.

2. What is the difference between a prepaid health card and an HMO plan?
A prepaid health card provides a defined set of healthcare benefits for a fixed price, while an HMO plan may offer more comprehensive healthcare coverage depending on the plan.

3. Can I get a prepaid health card if I already have a medical condition?
Not all prepaid health cards include pre-existing conditions. ER Guard and ER Guard Plus provide 100% coverage for eligible emergency treatment arising from pre-existing conditions.

4. Who can benefit from a prepaid health card?
A prepaid health card is ideal for people who want affordable healthcare protection and do not have comprehensive health coverage. This may include housewives, students, freelancers, self-employed individuals, vendors, and other workers who want added financial protection against unexpected medical expenses.

5. What is the biggest advantage of having pre-existing condition coverage?
Knowing that emergency treatment resulting from a pre-existing condition (PEC) is 100% covered eases financial worries.

Easy access health plan options for the Filipino community.

We know finding the right healthcare plan can be a complex and confusing task.
Our health plan specialists are always here to help 24/7.
Got more questions?