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Gov Employee iCare ER Care All-In 80 & MedConsult

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₱3,850.00

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DESCRIPTION:

Here is the combined product description for the Gov Employee iCare ER Care All-In 80 & MedConsult bundle, formatted to specifically highlight the features, coverage, and strict exclusions for each plan:

Gov Employee iCare ER Care All-In 80 & MedConsult

Target Age: Adults, 18 to 64 years old Validity: 12 months from activation (MedConsult activates in 3 days; ER Care activates in 10 days) Combined Value: ₱3,850.00 (₱2,500.00 for MedConsult + ₱1,350.00 for ER Care)

Overview: This bundle offers a comprehensive healthcare safety net by combining preventive, routine, and emergency care. It merges the multiple-use consultation and dental benefits of MedConsult with the one-time, high-limit emergency hospitalization coverage of ER Care All-In 80.

1. Routine Outpatient Care: MedConsult Adults

This is a multiple-use health voucher dedicated to your day-to-day outpatient health and dental needs.

What is Included:

  • Face-to-Face Consultations: Up to four (4) outpatient consultations with Insular Health Care (IHC) accredited doctors, including General Physicians, Internal Medicine sub-specialists, Surgeons, ENT, Orthopedic doctors, and Rehabilitation medicine specialists.

  • Telemedicine: One-year of unlimited telemedicine access via MyPocketDoctor.

  • Comprehensive Dental Services: One-year of unlimited dental consultations, one (1) oral prophylaxis per year (mild to moderate), unlimited temporary fillings, unlimited simple tooth extractions, and treatment of dental-related pain.

What is NOT Included (Exclusions for MedConsult):

  • Emergency Care: Consultations done in emergency room facilities.

  • Specific Medical Specialties: Consultations with neurologists or psychiatrists.

  • Maternity & Fertility: Any pregnancy or fertility-related illnesses and treatments.

  • In-Clinic Procedures: All minor in-clinic procedures are strictly excluded (e.g., visual acuity, ear cleaning/suctioning, wound suturing/cleaning, pap smears, injection administration).

  • Mental Health & Behavioral: Psychiatric disorders, psychosomatic illnesses, stress-related conditions, and alcoholism/substance abuse.

  • Clearances & Routine Exams: Cardio-pulmonary (CP) clearance, physical exams for employment, insurance, or licensing.

  • Aesthetics: Dermatological consultations/procedures for beautification (e.g., acne, warts).

  • Other Services: Outpatient medicines, physical therapy, medico-legal consultations, allergy tests, and treatments for sexually transmitted infections (STIs).

2. Emergency & Hospitalization: ER Care All-In 80 Adult

This is a one-time use health voucher designed to protect you from heavy financial burdens during unforeseen medical emergencies. PhilHealth is required for hospital confinement.

What is Included:

  • High Limit Coverage: Provides up to ₱80,000 for outpatient and inpatient emergency cases caused by accidents, viral/bacterial illnesses (e.g., Dengue, Typhoid, UTI, Pneumonia), and specific conditions.

  • Hospital Accommodations: Semi-private room accommodations.

  • Comprehensive Hospital Services: Covers emergency room care, doctor and surgeon’s fees, medically required medicines, laboratory/diagnostic procedures, and the use of the operating room, recovery room, and ICU.

  • Special Modalities: Covers up to a ₱5,000 standard limit for specialized procedures like MRI, CT Scans, Laparoscopic procedures, and Endoscopy.

  • Cash Assistance: Hospital cash allowance of ₱1,000 when confined.

What is NOT Included (Exclusions for ER Care All-In 80):

  • Top 6 Premium Hospitals: Cannot be used at Makati Medical Center, St. Luke’s Medical Center (QC and Global), Asian Hospital, The Medical City, and Cardinal Santos Medical Center.

  • Non-Emergencies & Pre-existing Conditions: Any routine or non-emergency cases, and all pre-existing conditions (except Hepatitis A).

  • Maternity & Congenital: Pregnancy-related conditions, fertility treatments, and congenital illnesses.

  • Specific Illnesses & Infections: Chronic viral/bacterial illnesses, Hepatitis B, C, D, E, Herpes infections, sexually transmitted infections (STIs), and diseases declared as "epidemics" by the DOH.

  • Compromised Immune Systems: Viral/bacterial illnesses resulting from uncontrolled diabetes, malnutrition, autoimmune diseases (SLE, MS), or HIV/AIDS.

  • Specific Conditions: Lithiasis/stones of the gallbladder and genitourinary system, Valvular Heart Disease, Rheumatic Heart Disease, and conditions secondary to degenerative diseases (Alzheimer's, Parkinson's).

  • Injuries: Self-inflicted injuries, or injuries from high-risk/professional sports, military/police service, and war.

  • Medicines: Outpatient or take-home medicines are strictly excluded.

  • Dental: All dental-related conditions and services (use the MedConsult voucher instead).