Key Benefits

• Inpatient confinement coverage in accredited hospitals (room and board, professional fees, basic labs/diagnostics).
• Outpatient consultations with accredited physicians and specialists, as allowed under plan rules.
• Coverage for medically necessary laboratory and diagnostic procedures.
• Access to preventive services (e.g., annual physical exam) in selected MediCard facilities, subject to guidelines.
• Use of MediCard’s provider network and pre-authorization process for eligible procedures.

Exact limits, covered services, and provider lists are based on MediCard’s official policy schedule for the Standard Plan.

General Exclusions (Summary)

The Standard Plan follows MediCard’s usual HMO exclusions. Common examples include:

• Conditions or procedures not medically necessary or not covered under the plan schedule.
• Purely cosmetic surgery, non-medically required dental work, and similar elective procedures.
• Care related to self-inflicted injury, illegal acts, or substance abuse, if excluded in the policy.
• Services obtained from non-accredited providers without approval, unless emergency rules apply.
• Other limitations and waiting periods as indicated in MediCard’s full policy wording.

Key Benefits

• Enhanced coverage for inpatient confinement, including higher room and board category.
• Outpatient consultations with a wider range of specialists in accredited facilities.
• Preventive care and routine check-ups in MediCard clinics, according to plan rules.
• Coverage for medically necessary diagnostics, procedures and therapies within set limits.
• Access to a larger accredited hospital network for eligible services.

Benefit levels and eligible providers follow MediCard’s official VIP Plan schedule.

General Exclusions (Summary)

• Non-covered and non-medically necessary procedures, cosmetic treatments and similar services.
• Benefits beyond stated room types, limits or ceilings in the VIP Plan guide.
• Care related to excluded conditions, high-risk activities, or non-covered illnesses.
• Services availed without required approval, except when emergency provisions apply.
• Other exclusions and limitations defined in MediCard’s VIP Plan documentation.

Key Benefits

• Access to primary care consultations in MediCard-accredited clinics.
• Use for selected laboratory and diagnostic tests, depending on card value and rules.
• Ideal for routine check-ups and minor illnesses that do not need hospitalization.
• Simple, prepaid structure – no long-term HMO membership requirements.

Specific inclusions and usage rules follow MediCard’s official Health Plus card guide.

General Exclusions (Summary)

• Expenses beyond the prepaid card’s value or outside covered services.
• Inpatient confinement and major procedures not specified as covered.
• Cosmetic and non-medically necessary treatments.
• Other exclusions and limitations stated in the Health Plus product terms.

Key Benefits (Summary)

• Emergency care coverage for trauma, burns, animal bites and accidental chemical poisoning up to a defined ER limit.
• Coverage for ER doctor’s fees, emergency medicines, basic labs and selected complex diagnostics within limits.
• Annual Physical Exam package (CBC, urinalysis, fecalysis, chest X-ray, general check-up) at MediCard free-standing clinics.
• Unlimited outpatient consultations with primary care doctors and some specialists in MediCard free-standing clinics.
• Discounts on additional diagnostic tests, procedures and dental work in participating clinics.

Key Exclusions (Summary)

• Inpatient confinement is not covered under RxER (emergency care is outpatient-based).
• Services beyond indicated ER limits or outside covered cases are not payable.
• Non-covered outpatient services, medicines after discharge and non-emergency cases.
• Care outside the Philippines and services not specified in the RxER benefits list.
• Other exclusions and service limitations set in the official RxER policy.

Key Benefits

• Consultations with MediCard-accredited doctors, subject to card balance and rules.
• Access to selected laboratory and diagnostic procedures.
• Availability in MediCard clinics and partner facilities listed for the program.
• Simple, card-based usage – member presents the card when availing services.

For complete list of inclusions and provider sites, refer to My MediCard’s detailed product sheet.

General Exclusions (Summary)

• Inpatient confinement and major procedures beyond the card’s scope.
• Services not listed as covered or beyond card limits.
• Purely cosmetic, non-medically necessary, or unapproved treatments.
• Other exclusions stated in the My MediCard terms and conditions.

Key Benefits

• Enhanced hospital confinement limits and higher room categories in selected facilities.
• Outpatient consultations and diagnostics across an approved network of providers.
• Preventive services such as annual exams and routine screenings, where specified.
• Coverage for a wide range of medically necessary procedures, within plan ceilings.

Full details are available in MediCard’s official MediCard Select plan documentation.

General Exclusions (Summary)

• Non-medically necessary or cosmetic procedures and services.
• Conditions, treatments or providers outside the plan’s defined coverage.
• Unapproved services or those beyond the set limits and sub-limits.
• Other exclusions and limitations listed in the MediCard Select policy.