Health Vantage 40 for Adults
  • Health Vantage 40 for Adults
  • Health Vantage 40 for Adults

Health Vantage 40 for Adults


A multiple-use healthcare card that provides coverage of up to P40,000 for emergency care and hospitalization for viral and bacterial illnesses, treatment of injuries resulting from accidents (except for stroke) in 400+ designated PhilCare-accredited hospitals nationwide.

Vat Inclusive

Year-Round Health Security

Health Vantage 40 for Adults is all the card you’d need to answer your hospital bills during emergencies. With this card, you get multiple frequency of availment up to plan benefit limit. It covers up to P40,000 for emergency room care and hospitalization expense, inclusive of the following: 


- Doctors’ fees 

- Laboratory and diagnostic procedures 

- Room and board (Ward room) 

- Medicines (except vaccines) as medically necessary during confinement except for cases declared as non-coverable*** 

- Special modalities of treatment which are medically necessary during ER and confinement and subject to standard inner limits 

- Diagnostic and therapeutic procedures as medically necessary during ER and confinement.

*Take note: Health Vantage cannot be activated along with the other vouchers such as ER Shield, ER Vantage, Dengue Assist and ER Health Assist at the same time with the same person.


Emergency cases are the sudden, unexpected onset of illness or injury, which at the time of contract reasonably appeared as having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort. Emergency cases include but are not limited to the following: (a) Massive Bleeding; (b) Acute Appendicitis; (c) Fractures/multiple injuries secondary to accidents; (d) Convulsions; (e) illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and (f) Syncope. Pre-exisiting conditions and those conditions under the general exclusions of PhilCare are not covered**


Caring for You and Your Family

When worse comes to worst, Health Vantage is there for you.  

- P50,000 accidental death and dismemberment coverage (applicable only to 18 years old and above) 

- P10,000 life insurance coverage (applicable only to 18 years old and above)


Age Eligibility and Validity 

Health Vantage 40 for Adults is for clients aging from 18 to 64 years old. However, entry age is up to 60 years old only. This card is valid for 1 year upon activation date.


Top-Notch Assistance Offline and Online

PhilCare’s services are delivered through a combination of people and digital channels. People channels include a team of Liaison Officers in key hospitals assisting members for admission or confinement, Quick Assist desks in major hospitals, a 24/7 Contact Center manned by nurses and supported by a state of the art technology platform, and finally, PhilCare-owned clinics and the PhilCare [email protected] worksite clinics supported by a competent medical team.

Our intense focus on the customer inspired us to pioneer innovation and transform customer experience through digital channels. Find a provider through PhilCare’s mobile app, HeyPhil! Check your health program, transactions, and the latest news about health and wellness through our interactive portals. Easily repurchase your health plan through our e-Commerce site and talk to us and your co-PhilCare members through our social meida sites. Digital channels promote convenience and speed of service delivery to our members.

Hassle-Free Availment

Health Vantage does not require medical examinations (for purchase) and hospital deposit (for availment.) It is accepted in 500+ Philcare-accredited hospitals nationwide excluding six (6) major hospitals in Metro Manila (Makati Medical Center, St. Luke's Medical Center (QC and Global), Asian Hospital and Medical Center, The Medical City, and Cardinal Santos Medical Center).

Step 1: Submit an accomplished application form to [email protected] once payment has been made. Download application form here

Step 2: Present the card with a valid identification to the emergency room staff at any PhilCare-accredited hospital for Health Vantage. 


Terms and conditions apply. 

** See FAQs for more details. 

*** Check the list of non-covered illnesses and diseases

** Your final medical diagnosis is the basis for PhilCare’s approval of coverage. 

** PhilHealth is required for the availment of this card during hospital confinement.


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