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Keep loved ones ready and protected with MediCard’s RxER

MediCard, a leading health maintenance organization (HMO) in the Philippines, brings you MediCard RxER so you can ensure that your loved ones are prepared for any unexpected situations while savoring the joy of the festive season.

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The holidays are here! Finally, it is the time of the year to relax, unwind, and enjoy all the festive activities with your family and friends. And perhaps, you are now busy listing all the possible gifts that would spark joy in your loved ones, regardless of whether they have been naughty or nice.  

As everyone is eager to celebrate this season, keep in mind that it can be a risky time as well. The holidays frequently attract unwanted guests, such as illnesses and accidents ranging from road accidents to fireworks injuries. 

A January 2022 report by the Department of Health (DOH) revealed there were 85 cases of fireworks-related injuries as the country celebrated the 2022 New Year. While the numbers continue to decrease each year, it pays off to be ready always for unforeseen emergencies that can steal your holiday celebrations. 

MediCard RxER: The best gift you can give this season 

To help you put one of the best gifts under the Christmas tree, MediCard, a leading health maintenance organization (HMO) in the Philippines, brings you MediCard RxER so you can ensure that your loved ones are prepared for any unexpected situations while savoring the joy of the festive season. 

The RxER provides a brand-new, specialized healthcare maintenance service that includes emergency, preventative, and outpatient treatment and is created to give members of all ages the maximum value and convenience. 

In hospitals recognized by MediCard, the overall cap for patients requiring emergency trauma care is PhP20,000. ER costs, professional fees, and urgent drugs connected to the condition of accidents, burns, animal bites, and accidental chemical poisoning are also included in emergency care charges if it is within six hours from the time of the incident.  

Emergency diagnostic procedures and lab tests up to PhP5,000, including MRI, CT scan, and ultrasound, are also covered. Additionally, coverage will be provided for tetanus toxoid, anti-tetanus serum, and current rabies vaccination. Regular casting and splint are also included. 

Is it a one-time-use thing? No. Members may use emergency services more than once for the said circumstances if the limit has not yet been reached. 

The gift that keeps on giving 

Members of the RxER card are also entitled to an annual physical exam in any MediCard free-standing clinic and Uro Industrial Clinic (UROIC). This includes a complete blood count, a chest X-ray, a urinalysis, a fecalysis, and a general check-up for the entire year. 

In addition, members get unlimited access to outpatient consultations with primary care physicians, including general practitioners, general surgeons on a clinic-to-clinic basis, obstetricians for non-maternity-related check-ups, pediatricians, family medicine physicians, and medical internists. For other specialists and sub-specialists, on the other hand, the RxER covers a flat rate of PhP350 for consultations. 

Other benefits of RxER include a 30% discount on outpatient laboratory and diagnostic tests, outpatient surgeries and other services, and procedures at the Skin & Body Clinic. It also gives its members dental services, such as one-time oral prophylaxis, dental consultations, and a 30% discount on dental procedures. 

All these may be availed of at any MediCard free-standing clinic in key cities nationwide https://fsc.medicardphils.com/Home/Contact.  

There is no time to lose! Gift your loved ones these wonderful benefits now for only PhP1,998 with no age limit and no medical check-up required, available on MediCard’s websiteShopeeLazada, Medicard free-standing clinics, Maria Health, and more. 

MediCard is a leading HMO founded and managed by doctors. Over the years, it has provided the most comprehensive and innovative healthcare programs and fitness activities to help people achieve healthier lives.  

To learn more about MediCard Philippines, visit its website at https://www.medicardphils.com/.  

Product Showcase

How tailored microinsurance products are key to relevance and adoption in PH

As an insurtech, Igloo and its partners have been instrumental in facilitating a wide array of microinsurance products that safeguard the unique needs of digital natives and underserved sectors.

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For most people, understanding insurance boils down to the four most common types: life, health, auto, and long-term disability. While awareness of insurance importance is increasing, the aforementioned traditional insurance products are failing to resonate with many people due to various reasons including affordability, accessibility, and relevance. These factors have largely contributed to the low insurance penetration in the Philippines, which stands at 1.68% as of September 2023. 

This is where microinsurance is changing the game as insurtechs and insurance companies have introduced personalized microinsurance products that cater directly to the unique lifestyles and needs of Filipinos as they go through various stages of their lives. As an insurtech, Igloo and its partners have been instrumental in facilitating a wide array of microinsurance products that safeguard the unique needs of digital natives and underserved sectors. These products run the gamut from travel insurance, to electronics protection, e-commerce purchase protection, and even protection for the gamers’ health.

“While traditional insurance products may come with high premiums and broad coverage, microinsurance products are designed to provide targeted protection against specific risks that are relevant to our daily lives. By offering affordable products that address immediate needs, microinsurance can serve as the gateway to broader insurance protection and may be key to boosting insurance penetration,” said Roberto Vea, Commercial Lead at Igloo Philippines. 

Among the most popular insurance products Igloo PH and its partners facilitated are Gadget Protection and Online Shopping Protection. In 2023, Gadget Protection sold 10.3 million policies while Online Shopping Protection sold 1.98 million policies highlighting strong customer demand for coverage against electronic device damages and online purchase risks.

“Microinsurance empowers individuals to protect themselves against risks they face today, whether it’s safeguarding their electronics from liquid damage or ensuring affordable coverage for spontaneous travel adventures. At Igloo, we believe it’s important for insurers and insurtechs like ourselves to continuously develop relevant products and make sense for our customers,” Mario added.

As of September 2023, microinsurance premiums in the Philippines have increased by 19.6% to P10.16 billion, and over 56 million Filipinos are now insured under microinsurance policies. 

“The growth of the microinsurance industry underscores how the approach to insurance awareness is no longer one size fits all–it must evolve alongside our digital-first lifestyles, safeguarding our ever-expanding virtual assets and providing peace of mind in the face of modern risks,” Vea explained. “This also means ensuring that the products are where our consumers are–online, thus making sure that the entire buyer’s journey from consideration, to purchase, and claims must be easy, accessible, and uncomplicated.”

According to a recent study conducted by Manulife, 41% of Gen Z individuals (aged 18-24 years old, according to McKinsey) plan to purchase insurance online in the next 12 months. Furthermore, the study found that 33% of millennials (aged 25-44 years old) have already bought insurance online. This indicates that younger generations are increasingly preferring and adopting online channels for purchasing insurance.

This is where the availability of embedded insurance was able to expand the channels of distribution, providing consumers with a convenient way to discover, evaluate, and purchase products in just a few clicks. Igloo does this through partnerships with major e-commerce platforms like Lazada and Shopee, leading payment platforms such as DANA in Indonesia and GCash in the Philippines, and retail chains like Circle K in Vietnam.

“As Igloo continues to play a vital role in making microinsurance accessible to millions of Filipinos, we remain committed to prioritizing products that not only raise insurance awareness and adoption but are also relevant, innovative, and customer-centric,” Vea ended.

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Pru Life UK’s product guarantees 4% annual cash payout for 7 years

Customers’ principal money is secured with 100% cash back guarantee or return of the premium paid if the insured is still around after the 7-year insurance coverage period or maturity of the policy. The cash back gives comfort to families of a stable financial future.

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Pru Life UK launches a new product designed to provide Filipinos life insurance coverage while also allowing them to earn returns with rates comparable with those from a high-yielding time deposit. PRULove Wealth uniquely offers 4% annual cash payout, 100% cash back, and up to 125% insurance coverage.*  

Regardless of market conditions, customers can rely on a guaranteed 4% annual payout based on the single premium paid. PRULove Wealth complements their traditional bank deposit and fixed income-generating financial assets. The steady earnings assure them and their families cash to celebrate life’s milestones, boost personal savings, and provide an extra layer of financial cushion.  

Customers’ principal money is secured with 100% cash back guarantee or return of the premium paid if the insured is still around after the 7-year insurance coverage period or maturity of the policy. The cash back gives comfort to families of a stable financial future. 

The life insurance coverage of up to 125% based on the single premium gives the customers wealth protection for their families. Whatever happens to the insured, the beneficiary gets the whole proceeds up to 25% higher than the principal.*  

PRULove Wealth solidifies our unwavering commitment to being the Filipino families’ most trusted partners and protectors by providing financial solutions that address their evolving needs. With the guaranteed benefits of our new product, we aim to help more customers achieve financial protection and their wealth aspirations,” shares Allan Tumbaga, Executive Vice President and Chief Customer & Marketing Officer.  

PRULove Wealth can help customers who want a convenient one-time pay life insurance product that reaps an uninterrupted flow of cash and secured legacy without worrying about market volatility. 

Pru Life UK maintains its industry’s top position in New Business Annual Premium Equivalent & total Premium Income from Variable Life Insurance products according to the Insurance Commission’s Life Insurance Sector Quarterly Statistics for Q3 2023.   

Its wide range of products is accessible through its over 42,000 digitally-empowered agency force and like-minded ecosystems and digital partners. 

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Product Showcase

Introducing Taco Bell’s ‘Cupid’s Choice Valentine’s Special Combo’

Make every moment count with 1 Crunchy Taco Supreme, 1 Burrito Shawarma, 1 serving of Oreo Chocodilla, a side of Nachos Sprinkle, and 2 servings of Ruby Fruity Freeze for dine-in or 2 12oz. servings of soda for delivery, all for just P499!

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This season of love, Taco Bell has cooked up an irresistible offer to help you show how much you adore that special someone! You’ll be love-struck like never before with the Cupid’s Choice Valentine’s Special Combo, available for a limited only!

Make every moment count with 1 Crunchy Taco Supreme, 1 Burrito Shawarma, 1 serving of Oreo Chocodilla, a side of Nachos Sprinkle, and 2 servings of Ruby Fruity Freeze for dine-in or 2 12oz. servings of soda for delivery, all for just P499!

Enjoy an all-time Taco Bell classic with the Crunchy Taco Supreme, made with a crunchy taco shell that’s filled to the brim with perfectly seasoned Mexican-style ground beef, topped with a special sauce, and then garnished with shredded fresh lettuce, diced tomatoes, and grated cheddar cheese.

Indulge in the Middle Eastern inspired Shawarma Burrito, made with Mexican-style ground beef topped with diced onions, tomatoes, and cucumber, and generously drizzled with Taco Bell’s rich and creamy garlic sauce, all encased in a soft and tender tortilla wrap.

Stay refreshed with sips of your Ruby Fruity Fizz or soda, and munch on some Nachos Sprinkle between each bite.

Finally, satisfy your sweet tooth with 2 slices of Oreo Chocodilla, a delectable treat made with gooey, melted dark chocolate, chewy marshmallows, and chunks of crushed Oreo cookies, all nestled in a lightly grilled tortilla wrap.

The Cupid’s Choice Valentine’s Special Combo will be available until February 29, 2024 only, so make sure to order today if you don’t want to miss this offer!

.Get it together with your other favorites from Taco Bell by visiting your nearest branch for dine-in and take out orders, or by calling the 8911-1111 hotline for delivery. You can also order through Taco Bell’s official delivery partners GrabFood, foodpanda, and Pickaroo (prices may vary). Never miss the latest news, offers, and deals from Taco Bell by following and giving the brand a like on Facebook, X (formerly Twitter), and Instagram.

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