LIFESAVER+ – EMERGENCY COVERAGE (EXTENDED)
DESCRIPTION
LIFESAVER+ – EMERGENCY COVERAGE
Lifesaver+ gives you quick access to emergency medical care at Maxicare partner hospitals nationwide, including the country’s top six hospitals. Get peace of mind knowing you have up to ₱50,000 coverage for life-threatening emergencies, plus life insurance benefits for accidental death, dismemberment, or disablement up to ₱50,000. No paperwork or checkups required—just activate and you’re covered for a full year.
BENEFITS
- Emergency Room treatment: ₱50,000
- Life Insurance with Accidental Death, Dismemberment, and Disablement: ₱50,000
COVERAGE
- Outpatient emergency coverage
- Doctor’s services for emergency treatment
- Emergency room fees
- Emergency medicines for immediate relief and treatment (no take-home medication)
- Oxygen, IV fluids, whole blood, and human blood products
- Dressings, casts, sutures
- X-ray, laboratory, and diagnostic exams
- Inpatient coverage
- Room and board accommodation in a regular private room
- Use of Operating Room, Intensive Care Unit (ICU), Isolation Room (if prescribed by the affiliated attending physician), and Recovery Room
- Professional fees
- Standard nursing services
- Medicines when in confinement
- Whole blood products and IV fluids transmission
- X-ray, laboratory, and diagnostic exams
- Anesthesia, oxygen, and their administration
- Additional benefits to Maxicare LifesavER+ members only
- Access up to 12 Maxicare 24/7 Teleconsult Voice Call at (02) 8582-1980
- Travel emergency medical assistance if within 150km from place of residence
- Global Emergency Assistance Services with Assist America for members who are traveling more than 150km from home, or in a foreign country, for up to 90 days*
LIFESAVER+ EXCLUSIONS & LIMITATIONS
- Non-Emergency Services
- Services obtained for non-emergency conditions from Physicians and Providers
- Hospital and Medical Care Limitations
- Additional charges for room upgrades and extended stays
- Non-medical furnishings, appliances, personal items, extra food, and toiletries
- Private or special nurse services
- Custodial, domiciliary, convalescent, and intermediate care
- Long-term rehabilitation
- Mental Health and Developmental Disorders
- Psychiatric care and long-term rehabilitation
- Developmental disorders (e.g., ADD/ADHD, Autism, Bipolar Disorders)
- Self-Inflicted Injuries and Risky Behaviors
- Injuries from tattoos, body piercing, attempted suicide
- Injuries resulting from negligence, drug/alcohol use, crime, law violations
- Injuries from professional sports or hazardous activities
- Injuries from riots, strikes, civil disturbances, or war
- Cosmetic and Elective Procedures
- Aesthetic, cosmetic, and reconstructive surgery
- Weight reduction programs and related procedures
- Circumcision (except for urological conditions)
- Dental and Oral Health
- Dental treatments and oral surgery (except for accidental injury)
- Reproductive Health
- Maternity care and pregnancy-related conditions
- Fertility/infertility treatments, sterilization, sex transformation
- Experimental and Alternative Treatments
- Experimental medical procedures
- Alternative medicine (e.g., acupuncture, chirotherapy)
- Organ Donation
- Expenses for the member as an organ donor
- Routine and Preventive Care
- Routine physical examinations for employment, school, insurance, travel, etc.
- Vaccines and immunizations (including administration)
- Medical Equipment and Supplies
- Purchase or lease of durable medical equipment (except during covered in-patient care)
- Corrective appliances, prosthetics, and orthotics
- Take-home and out-patient medicines (with some exceptions)
- Genetic and Chronic Conditions
- Congenital, genetic, and hereditary diseases (except for hernias)
- Chronic Dermatoses
- Diabetes mellitus, Hypertension, Lipidemia, and related illnesses
- Neoplasm and related illnesses
- Gallbladder stones and related illnesses such as but not limited to Cholelithiasis and Cholecystitis
- Infectious Diseases
- Sexually transmitted diseases, HIV, and AIDS
- Infectious diseases declared as epidemics or pandemics
- Hepatitis B and related screenings/vaccines
- Specific Treatments and Procedures
- Speech therapy for developmental and congenital diseases
- Intravenous Immunoglobulin (IVIG)
- Scoliosis treatments (except during emergency care)
- Financial Limitations
- Costs exceeding the Annual Benefit Limit (ABL)
- Medico-legal case costs
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