Room, Board, and General Nursing Services Daily Benefit

Pays for the customary hospital charges after emergency care such as room and board, food, and general nursing services, except for special nursing services.Payment for room and board is determined by multiplying the room and board daily rate by the number of days for which the insured was confined.

Outpatient Benefit

Pays for emergency treatment and/or an emergency dose of anti-rabies, anti-venom, and/or anti-tetanus in a hospital, even if the insured is not for confinement.

Accidental Death and Dismemberment Benefit

Pays the percentage of the amount of the insurance for sustained accidental injuries within one hundred eighty (180) days after the date of the accident.

Ambulance Service Benefit

Pays for the expenses of emergency ambulance service.

Surgical Expenses Benefit

Pays for the emergency surgical operation,even if no hospital confinement is involved,provided that a legally qualified surgeon performs the surgery.

Special Hospital Services Benefit

Pays for the prescribed medical supplies and services furnished by the hospital,such as the operating room, treatment room,doctor's fee, laboratory/diagnostic examinations, and all other expenses directly related to the medical management of an Emergency case.

Step 1

Present your ER Protect Virtual Card to the ER staff.

Step 2

ER staff calls Etiqa Medical Information Center (MIC) for verification and approval of all laboratory/ diagnostic procedures and admission, if applicable.