LifeSaver Emergency Plan – Instant Medical & Life Coverage

LIFESAVER by MaxiHealth

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 ₱25,000 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: ₱25,000

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

LIFESAVER EXCLUSIONS & LIMITATIONS

Non-Emergency Services
- Services obtained for non-emergency conditions from physicians and providers
Hospital and Medical Care Limitations
- Hospital admission or confinement
- Non-medical furnishings, appliances, personal items, 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
Cosmetic and Elective Procedures
- Aesthetic, cosmetic, and reconstructive surgery
- Weight reduction programs and related procedures
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 medical equipment, 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
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)
- Gallbladder stones and related illnesses
External Circumstances
- Treatment for injuries from riots, strikes, civil disturbances, or war
Financial Limitations
- Costs exceeding the Annual Benefit Limit (ABL)
- Medico-legal case cost
- Ambulance services