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Protection and Medical Care Program

 

Hospital Confinement Benefits (in patient)


Hospital Room & Board
  • Insured is admitted as in-patient in accredited hospital or clinic
  • Pays actual room charges but not to exceed the daily room and board benefit
  • Pays for a maximum of 31 days per any one sickness/disability

Physician’s Fee

  • Pays the necessary fees of attending medical practitioner for visits made to patient
  • Limited to one (1) visit per day for a maximum of 31 days per anyone sickness/disability

Miscellaneous Hospital Expenses

  • Pays for drugs, medicines, dressings, ordinary splints, plaster cast and intravenous infusion
  • X-ray, Electrocardiogram, basal metabolism test and other laboratory examinations and tests
  • Administration and cost of blood or blood plasma
  • Physical therapy

Surgeon's Fee

  • Pays the surgeon’s charges for surgery performed per surgical fee benefit schedule
  • In case two (2) or more operations are performed through the same incision, payment shall be limited for one (1) surgical procedure with the largest amount payable

Anesthesiologist Fee

  • Pays the doctor’s charges for the administration of anesthesia during a surgical operation but not to exceed 35% of the surgeon’s fee

Operating Room Fee

  • Pays for the use of the operating room including use of surgical equipments, instruments, oxygen and its administration but not to exceed 25% of the surgeon’s fee.

Specialist’s Fee

  • Pays for the specialist’s charges for assistance rendered to attending physician.

Intensive Care Unit (ICU)

  • Pays for ICU confinement on a daily basis up to a maximum of 5 days for treatment of patients in critical condition

Pre-hospitalization Specialist


Consultation/Diagnostic Laboratory Tests
  • Pays for the specialist consultation/diagnostic laboratory test charges that will ultimately result in hospital confinement

Post-hospitalization Specialist


Consultation/Diagnostic Laboratory Tests
  • Pays for the specialist consultation/diagnostic laboratory test charges for follow-up treatments after discharge from hospital.

Ambulance Fee

  • Pays for Ambulance Charges to and from Hospital per any one disability