Healthcare emergencies can happen anytime, and for many Filipinos, the biggest concern is the cost of immediate treatment. This is where the iCare ER Care prepaid HMO Philippines plans come in. Designed as a flexible and affordable solution, these prepaid health plans provide coverage specifically for emergency situations without long-term commitments.

Whether you are a freelancer, a young professional, or someone without employer-provided healthcare, iCare ER Care plans offer a practical way to stay protected when it matters most.

iCare ER Care at a Glance

• Type: Prepaid emergency HMO Philippines
• Coverage: Accidents and selected illnesses
• Price Range: PHP100 to PHP7,150
• Usage: One-time use
• Best For: Freelancers, individuals, and families

This prepaid emergency health plan Philippines option is ideal for those who want immediate access to emergency care without monthly premiums.

What is the iCare ER Care Prepaid HMO?

The iCare ER Care prepaid HMO Philippines is a one-time-use health plan that provides financial coverage for emergency room treatment and hospitalization.

You simply purchase, register, and use it when a covered emergency occurs.

• Individuals without corporate HMO
• Freelancers and gig workers
• Families needing backup protection

Overview of iCare ER Care Plans

ER Care Choice (PHP100–350)

• 30, 60, or 90-day coverage
• Up to PHP50,000 hospital coverage
• Accidents + illnesses

ER Care Basic (PHP700)

• Emergency care due to accidents
• Doctor’s fees
• Diagnostics
• Hospital medicines

ER Care Booster (PHP800–1,300)

• Up to PHP100,000 coverage
• Outpatient & inpatient emergency care
• Surgery and ICU
• Hospital cash allowance

ER Care All-In (PHP1,350–7,150)

• Emergency + hospitalization
• Accidents and illnesses
• Surgery & ICU
• Telemedicine for kids

ER Care HMO Benefits

• Affordable (starts at PHP100)
• No long-term commitment
• Emergency hospitalization coverage
• Flexible plan options
• Digital e-vouchers

What Illnesses Are Covered?

• Dengue
• Leptospirosis
• COVID-19
• Appendicitis
• Gastritis
• Amoebiasis
• Malaria
• Anaphylaxis

What is NOT Covered?

• Non-emergency conditions
• Minor illnesses
• Pre-existing conditions
• Self-inflicted injuries
• Cosmetic complications
• Maternity cases
• General exclusions

How to Use Your Plan

1. Go to an accredited hospital
2. Present voucher + valid ID
3. Verification by hospital
4. Doctor assessment
5. Admission if needed

IMPORTANT: Any charges beyond coverage must be paid directly.

Final Thoughts

The iCare ER Care prepaid HMO Philippines offers a practical way to prepare for emergencies without ongoing costs.

It works best as a safety net alongside a full HMO plan.