All-In protection against sudden medical emergencies. ER Care All-In provides up to P100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents, viral/bacterial diseases, and specific conditions. Kids from 1 to 17 years old and adults from 18 to 64 years old can take advantage of this one-time use health plan. 

The benefit limit covers:   

• Doctor’s professional fee 
• Emergency room treatment 
• Laboratory and diagnostic procedures 
• Room accommodation if confinement is required 
• Required medicines during hospitalization 
• Surgery and surgeon’s fees, if medically required 
• Surgery and surgeon’s fees when medically necessary 
• Use of operating room, recovery room, and ICU, as medically necessary 
• Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit. 
• Hospital cash allowance of Php 1,000 when confined (for adults only) 
• 1-year unlimited access to telemedicine/remote medical consultation (for kids only) 

ER Care All-In is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City. 

ER Care All-In covers diseases that include, but are not limited to:

• Acute Bronchitis
• Acute gastroenteritis with dehydration
• Acute tonsillopharyngitis with moderate dehydration
• Acute Sinusitis
• Acute tonsillopharyngitis
• Acute Upper Respiratory Tract Infection
• Amoebiasis
• Cellulitis
• Dengue Fever
• Acute Pneumonia
• Typhoid Fever
• Urinary Tract Infection
• SVI (systemic viral infection) with fever
• Measles with high-grade fever
• Chicken pox with complications
• Leptospirosis
• Polio
• Cholera
• Diphtheria
• Pertussis
• Tetanus
• Rabies
• Meningitis
• Chikungunya
• Malaria
• Anaphylactic Shock
• Acute Appendicitis

ER Care All-In covers accidents that include, but are not limited to:

• Accidents, excluding Cerebrovascular (Stroke)
• Fracture, new
• Burns, new
• New animal bites, including first dose of vaccines up to a maximum of Php20,000
• Cuts, new, needing suturing
• Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

NON-COVERABLE CONDITIONS

Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage:

1. Any professional advice or treatment was given for such illness or condition;
2. Such illness or condition was in any way already known to the Member; or
3. The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.

How to buyTo purchase, please click here, and use Referral code: AQA6NOYou will be taken to iCare ecommerce website Open an accountFollow the easy steps to choose preferred productsClick product, add to cart, change quantity as desiredWhen done adding to cart, proceed to checkoutWhen asked for referral code, use AQA6NOProceed to paymentAfter payment, pls send screenshot of confirmation to sales@icare.net.phFor companies & those who prefer to pay in check, choose “Check” as payment method.Then email us at sales@icare.net.ph the ff info: Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:We will then send you a Billing with Reference No. along with instructions how to pay.If you are having difficulty, you may choose to send us email to sales@icare.net.ph and we will do the purchasing for you and send you payment instructions. Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:For assistance: 09178192590 or email us at sales@icare.net.phClick here to proceed to buy

What is the Referral Code: AQA6NO?When you decide to buy, you will be taken to the ecommerce website of iCare where you will choose the products and pay. This is a secure portal and your payments will be made through the official payment channels of iCare, and not to us or to any other 3rd party.  You will be issued official Invoice & OR of iCare. This ensures that your transactions are secure and legitimate and you are paying to a legitimate company, not to any 3rd party who may not even be connected to iCare.As an Accredited Sales Partner, iCare provides us with a small token for every referral. This small tokens are used to maintain this website. This enables us to dessiminate the benefits and advantages of iCare products to a wider audience which would otherwise be unavailable or would have limited exposure.By using the referral code AQA6NO, your are assured of a secure & legitimate transaction allowing you to enjoy the amazing benefits of iCare Prepaid products, and at the same time you also help our fellow Filipinos gain access and also enjoy affordable health care.To know more about us click hereClick here to proceed to buyThank you for your support!

Benefit Limit	Age Range	Room Accomodation	Price
Php 60,000.00	1 to 17 years old	Ward	Php 3,150.00
Php 80,000.00	1 to 17 years old	Semi-Private	Php 4,150.00
Php 100,000.00	1 to 17 years old	Regular Private	Php 5,150.00
Php 80,000.00	18 to 64 years old	Semi-Private	Php 1,350.00
Php 100,000.00	18 to 64 years old	Regular Private	Php 1,750.00

With Top 6 Hospitals for Kids: Add P2,000.00

With Top 6 Hospitals for Adults: Add P700.00

1. What does ER Care All-In 100 Adults cover? With a Php 100,000 benefit limit, ER Care All-In 100 Adults covers emergency cases due to accidents and viral and bacterial illnesses. It covers expenses on outpatient and inpatient emergency care, room and board, diagnostic procedures as medically necessary during confinement, medicines as medically necessary during confinement, use of operating room, recovery room, and ICU diagnostic procedures, as medically necessary.
2. What are considered emergency cases and accidents? An emergency case is a sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death, or requires the immediate alleviation of severe pain and discomfort.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care All-In 100 Adults covers accidents that include, but are not limited to: ● Accidents, excluding Cerebrovascular (Stroke) ● Fracture, new ● Burns, new ● New animal bites, including first dose of vaccines ● Cuts, new, needing suturing ● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports ● Accidental chemical poisoning

ER Care All-In 100 Adults covers diseases that include, but are not limited to: ● Acute Bronchitis ● Acute gastroenteritis with dehydration ● Acute tonsillopharyngitis with moderate dehydration ● Acute Sinusitis ● Acute tonsillopharyngitis ● Acute Upper Respiratory Tract Infection ● Amoebiasis ● Cellulitis ● Dengue Fever ● Acute Pneumonia ● Typhoid Fever ● Urinary Tract Infection ● SVI (systemic viral infection) with fever ● Measles with high-grade fever ● Chicken pox with complications ● Leptospirosis ● Polio ● Cholera ● Diphtheria ● Pertussis ● Tetanus ● Rabies ● Meningitis ● Chikungunya ● Malaria ● Anaphylactic Shock ● Acute Appendicitis ● Acute Gastritis

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

1. Who is qualified for ER Care All-In 100 Adults? Adults, 18 to 64 years old, can get ER Care All-In 100 Adults and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
2. When can I start using ER Care All-In 100 Adults? From the day you register (“registration date”), the health voucher will be activated after ten (10) calendar days. Your health voucher is valid for 12 months or up until used.Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 12. It will then be valid from August 12, 2018 to August 11, 2019 or up until used.
3. How many times can I register ER Care All-In 100 Adults in my name? If you have already used your ER Care All-In 100 Adults health voucher, you can get another ER Care All-In 100 Adults to be covered again. Note that a person can only be covered by one (1) product offering emergency care benefits at any point in time.
4. If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care All-In 100 Adults is for one-time use only, regardless if the total annual benefit limit is consumed or not. The advantage of this health voucher is its high benefit limit, affordability, and convenient registration process. It assures you of assistance for most or all expenses you incur for outpatient emergency care, and allows you to avail and register another one to renew your coverage.
5. Is PhilHealth coverage needed to use ER Care All-In 100 Adults? Yes. Once there is an admission, PhilHealth coverage is required since it also covers inpatient care. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
6. If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 100 Adults? No. You cannot register for ER Care All-In 100 Adults if you are already enrolled in IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
7. Can I register an ER Care All-In 100 Adults health voucher for someone else? Yes, as long as you know the personal data of the individual and obtained his/her authorization to be registered. We have ER Care prepaid health vouchers that can be given as gifts to your loved ones. The data required for registration are as follows: a. Full name b. Birth date c. Home address d. Email address e. Mobile number
8. Can I transfer ER Care All-In 100 Adults to another person? ER Care All-In 100 Adults is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
9. Can I use ER Care All-In 100 Adults in hospitals not on the health voucher’s provider list? No. Services can only be availed in IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
10. What conditions are not covered by ER Care All-In 100 Adults? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.

An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.

For more information, see “General Exclusions”.

Please read or download Health Care Agreement here

Return, Replacement and Refund Policy

This policy is created to narrate return procedures of IHC prepaid healthcare products and to provide refund process for said returned products.

GENERAL GUIDELINES

1. This policy applies to IHC products namely: ER Care Basic, ER Care Booster, ER Care All-In, and MedConsult.
2. This policy allows the return of the product and refund of fees paid, subject to a handling fee of Php 400.00 per product.
3. The refund will always be paid in Philippine Pesos. The refund will be based on the actual amount received by us and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
4. Return is possible only if the product is not yet registered to any person. Once the product has been registered to a person, it cannot be returned. The person who has been registered under the product will continue to be covered subject to the Health Care Agreement governing the ER Care and MedConsult Series.
5. The return and refund of any product that has not yet been registered must be done by the Purchaser himself/herself. Please refer to the procedures below on how to return a product and request for a refund and their documentary requirements.
6. The return of the product must be requested within the period shown below. Beyond these periods, the product is no longer eligible for return and refund or replacement.
7. 1. Fourteen (14) calendar days from purchase date for units sold through the e-commerce site of IHC
   2. Seven (7) calendar days from the purchase date for items sold through IHC agents, brokers and other accredited partner platforms.

PROCEDURES

Return

1. The Purchaser must send an email to returns@insularhealthcare.com.ph to request for the return of a product. The request must include the following information and documentation: 

1. 1. Complete Name of the Purchaser
   2. Contact number, email address and mailing address of the Purchaser
   3. The reason for the return
   4. Request for a replacement product and/or refund
   5. Proof of purchase which may include the confirmation email sent by IHC
   6. Photocopy of two (2) valid government-issued ID of the Purchaser
   7. If IHC issued an Official Receipt, the image of it must also be presented. Please note that if we agree to the return of a product, the original Official Receipt must be returned to IHC prior to the implementation of the replacement or refund.
2. IHC shall acknowledge the receipt of the request for a return of the product through email.
3. IHC shall conduct an evaluation and within two (2) working days of receipt of the complete request for a return of the product, IHC shall advise the customer on the decision of the request for the return of the product. Detailed computation and instructions on the return, replacement and refund will also be provided.

Replacement and Refund

1. A replacement handling fee of Php400.00 per product shall apply.
2. The replacement handling fee or refund handling fee shall be deducted from the amount paid.
3. If you want a replacement product, we shall offset the amount due from the product being returned against the cost of the replacement product.
4. If the replacement product’s price is higher than the product being returned, less the replacement handling fee, the difference will be settled by the Purchaser before IHC issues the replacement product to him/her.
5. If you want a refund, please allow 20 working days to prepare your refund.
6. The refund will be based on the actual amount paid and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
7. If payment was by means other than by credit or debit card, refund shall be given in the form of a company check paid to the Purchaser and sent via courier to the Purchaser’s mailing address. IHC shall not issue any refunds in cash, regardless of the amount.
8. Notwithstanding #8 above, if an Official Receipt was issued, the check will be paid to the same name as shown on the receipt.

Value for money health plan for emergencies! ER Care Basic provides up to P50,000 worth of outpatient care (ER treatment) coverage on emergency cases due to accidents. Adults from 18 to 64 years old can take advantage of this one-time use health plan. 

 The PHP 50,000 benefit limit covers:   

• Doctor’s professional fee 
• Emergency room treatment 
• Laboratory and diagnostic procedures 

ER Care Basic 50 is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.  

How to buyTo purchase, please click here, and use Referral code: AQA6NOYou will be taken to iCare ecommerce website Open an accountFollow the easy steps to choose preferred productsClick product, add to cart, change quantity as desiredWhen done adding to cart, proceed to checkoutWhen asked for referral code, use AQA6NOProceed to paymentAfter payment, pls send screenshot of confirmation to sales@icare.net.phFor companies & those who prefer to pay in check, choose “Check” as payment method.Then email us at sales@icare.net.ph the ff info: Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:We will then send you a Billing with Reference No. along with instructions how to pay.If you are having difficulty, you may choose to send us email to sales@icare.net.ph and we will do the purchasing for you and send you payment instructions. Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:For assistance: 09178192590 or email us at sales@icare.net.phClick here to proceed to buy

What is the Referral Code: AQA6NO?When you decide to buy, you will be taken to the ecommerce website of iCare where you will choose the products and pay. This is a secure portal and your payments will be made through the official payment channels of iCare, and not to us or to any other 3rd party.  You will be issued official Invoice & OR of iCare. This ensures that your transactions are secure and legitimate and you are paying to a legitimate company, not to any 3rd party who may not even be connected to iCare.As an Accredited Sales Partner, iCare provides us with a small token for every referral. This small tokens are used to maintain this website. This enables us to dessiminate the benefits and advantages of iCare products to a wider audience which would otherwise be unavailable or would have limited exposure.By using the referral code AQA6NO, your are assured of a secure & legitimate transaction allowing you to enjoy the amazing benefits of iCare Prepaid products, and at the same time you also help our fellow Filipinos gain access and also enjoy affordable health care.To know more about us click hereClick here to proceed to buyThank you for your support!

1. What does ER Care Basic 50 cover? With a Php 50,000 benefit limit, ER Care Basic 50 covers emergency cases due to accidents. It covers expenses on outpatient emergency room care, and medicines as medically necessary administered in the emergency room.
2. What are considered emergency cases and accidents? An emergency case is a sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death, or requires the immediate alleviation of severe pain and discomfort.Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.ER Care Basic 50 covers accidents that include, but are not limited to:
   • Accidents, excluding Cerebrovascular (Stroke)
   • Fractures, new
   • Burns, new
   • New animal bites, including first dose of vaccines
   • Cuts, new, needing suturing
   • Sports injuries, contact and non-contact sports (except professional sports and high-risk sports)
   • Accidental chemical poisoning A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.
3. Who is qualified for ER Care Basic 50? Adults, 18 to 64 years old, can get ER Care Basic 50 and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
4. When can I start using ER Care Basic 50? From the day you register (“registration date”), the health voucher will be activated after ten (10) calendar days. Your health voucher is valid for 12 months or up until used. Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 12. It will then be valid from August 12, 2018 to August 11, 2019 or up until used.
5. How many times can I register ER Care Basic 50 in my name? If you have already used your ER Care Basic 50 health voucher, you can get another ER Care Basic 50 to be covered again. Note that a person can only be covered by one (1) product offering emergency care benefits at any point in time.
6. If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care Basic 50 is for one-time use only, regardless if the total annual benefit limit is consumed or not. The advantage of this health voucher is its high benefit limit, affordability, and convenient registration process. It assures you of assistance for most or all expenses you incur for outpatient emergency care, and allows you to avail and register another one to renew your coverage.
7. Is PhilHealth coverage needed to use ER Care Basic 50? No. PhilHealth coverage is not required since ER Care Basic 50 only covers outpatient emergency care.
8. If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care Basic 50? No. You cannot register for ER Care Basic 50 if you are already enrolled in IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
9. Can I register an ER Care Basic health voucher for someone else? Yes, as long as you know the personal data of the individual and obtained his/her authorization to be registered. We have ER Care prepaid health vouchers that can be given as gifts to your loved ones. The data required for registration are as follows: a. Full name b. Birth date c. Home address d. Email address e. Mobile number
10. Can I transfer ER Care Basic 50 to another person? ER Care Basic 50 is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
11. Can I use ER Care Basic 50 in hospitals not on the health voucher’s provider list? No. Services can only be availed in IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
12. What conditions are not covered by ER Care Basic 50? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product..An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of)..Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease..For more information, see “General Exclusions”.

Please read or download Health Care Agreement here

Return, Replacement and Refund Policy

This policy is created to narrate return procedures of IHC prepaid healthcare products and to provide refund process for said returned products.
GENERAL GUIDELINES

1. This policy applies to IHC products namely: ER Care Basic, ER Care Booster, ER Care All-In, and MedConsult.
2. This policy allows the return of the product and refund of fees paid, subject to a handling fee of Php 400.00 per product.
3. The refund will always be paid in Philippine Pesos. The refund will be based on the actual amount received by us and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
4. Return is possible only if the product is not yet registered to any person. Once the product has been registered to a person, it cannot be returned. The person who has been registered under the product will continue to be covered subject to the Health Care Agreement governing the ER Care and MedConsult Series.
5. The return and refund of any product that has not yet been registered must be done by the Purchaser himself/herself. Please refer to the procedures below on how to return a product and request for a refund and their documentary requirements.
6. The return of the product must be requested within the period shown below. Beyond these periods, the product is no longer eligible for return and refund or replacement.
7. 1. Fourteen (14) calendar days from purchase date for units sold through the e-commerce site of IHC
   2. Seven (7) calendar days from the purchase date for items sold through IHC agents, brokers and other accredited partner platforms.

PROCEDURES

Return

1. The Purchaser must send an email to returns@insularhealthcare.com.ph to request for the return of a product. The request must include the following information and documentation: 

1. 1. Complete Name of the Purchaser
   2. Contact number, email address and mailing address of the Purchaser
   3. The reason for the return
   4. Request for a replacement product and/or refund
   5. Proof of purchase which may include the confirmation email sent by IHC
   6. Photocopy of two (2) valid government-issued ID of the Purchaser
   7. If IHC issued an Official Receipt, the image of it must also be presented. Please note that if we agree to the return of a product, the original Official Receipt must be returned to IHC prior to the implementation of the replacement or refund.
2. IHC shall acknowledge the receipt of the request for a return of the product through email.
3. IHC shall conduct an evaluation and within two (2) working days of receipt of the complete request for a return of the product, IHC shall advise the customer on the decision of the request for the return of the product. Detailed computation and instructions on the return, replacement and refund will also be provided.

Replacement and Refund

1. A replacement handling fee of Php400.00 per product shall apply.
2. The replacement handling fee or refund handling fee shall be deducted from the amount paid.
3. If you want a replacement product, we shall offset the amount due from the product being returned against the cost of the replacement product.
4. If the replacement product’s price is higher than the product being returned, less the replacement handling fee, the difference will be settled by the Purchaser before IHC issues the replacement product to him/her.
5. If you want a refund, please allow 20 working days to prepare your refund.
6. The refund will be based on the actual amount paid and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
7. If payment was by means other than by credit or debit card, refund shall be given in the form of a company check paid to the Purchaser and sent via courier to the Purchaser’s mailing address. IHC shall not issue any refunds in cash, regardless of the amount.
8. Notwithstanding #8 above, if an Official Receipt was issued, the check will be paid to the same name as shown on the receipt.

ER BOOSTER 60 : P800.00
Room Accomodation : Ward
Benefit Limit : P60,000.00

ER BOOSTER 80 : P900.00
Room Accomodation : Semi Private
Benefit Limit : P80,000.00
Price : P800.00

ER BOOSTER 100 : P1,000.00
Room Accomodation : Regular Private
Benefit Limit : P100,000.00

ER Care Booster is a one-time use prepaid health voucher that provides up to P100,000.00 outpatient and inpatient coverage of emergency cases due to accidents. It is accepted in all Insular Health Care accredited hospitals nationwide (excluding *Top 6 hospitals).

ER Care Booster provides up to P100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents. Adults from 18 to 64 years old can take advantage of this one-time use health plan.

The benefit limit covers:

Doctor’s professional fee
Emergency room treatment
Laboratory and diagnostic procedures
Room accommodation if confinement is required
Required medicines during hospitalization
Surgery and surgeon’s fees, if medically required
Surgery and surgeon’s fees when medically necessary
Use of operating room, recovery room, and ICU, as medically necessary
Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.
Hospital cash allowance of Php 1,000 when confined
ER Care Booster is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.

How to buyTo purchase, please click here, and use Referral code: AQA6NOYou will be taken to iCare ecommerce website Open an accountFollow the easy steps to choose preferred productsClick product, add to cart, change quantity as desiredWhen done adding to cart, proceed to checkoutWhen asked for referral code, use AQA6NOProceed to paymentAfter payment, pls send screenshot of confirmation to sales@icare.net.phFor companies & those who prefer to pay in check, choose “Check” as payment method.Then email us at sales@icare.net.ph the ff info: Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:We will then send you a Billing with Reference No. along with instructions how to pay.If you are having difficulty, you may choose to send us email to sales@icare.net.ph and we will do the purchasing for you and send you payment instructions. Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:For assistance: 09178192590 or email us at sales@icare.net.phClick here to proceed to buy

What is the Referral Code: AQA6NO?When you decide to buy, you will be taken to the ecommerce website of iCare where you will choose the products and pay. This is a secure portal and your payments will be made through the official payment channels of iCare, and not to us or to any other 3rd party.  You will be issued official Invoice & OR of iCare. This ensures that your transactions are secure and legitimate and you are paying to a legitimate company, not to any 3rd party who may not even be connected to iCare.As an Accredited Sales Partner, iCare provides us with a small token for every referral. This small tokens are used to maintain this website. This enables us to dessiminate the benefits and advantages of iCare products to a wider audience which would otherwise be unavailable or would have limited exposure.By using the referral code AQA6NO, your are assured of a secure & legitimate transaction allowing you to enjoy the amazing benefits of iCare Prepaid products, and at the same time you also help our fellow Filipinos gain access and also enjoy affordable health care.To know more about us click hereClick here to proceed to buyThank you for your support!

Benefit Limit	Room Accomodation	Base SRP
Php 60,000.00	Ward	Php 800.00
Php 80,000.00	Semi-Private	Php 900.00
Php 100,000.00	Regular Private	Php 1,000.00

Access to Top 6 Hospitals: Add P300.00

1. What does ER Care Booster 60 cover? With a Php 60,000 benefit limit, ER Care Booster 60 covers emergency cases due to accidents and viral and bacterial illnesses. It covers expenses on outpatient and inpatient emergency care, room and board, diagnostic procedures as medically necessary during confinement, medicines as medically necessary during confinement, use of operating room, recovery room, and ICU diagnostic procedures, as medically necessary.
2. What are considered emergency cases and accidents? An emergency case is a sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death, or requires the immediate alleviation of severe pain and discomfort.Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.ER Care Booster 60 covers accidents that include, but are not limited to:
   • Accidents, excluding Cerebrovascular (Stroke)
   • Fractures, new
   • Burns, new
   • New animal bites, including first dose of vaccines
   • Cuts, new, needing suturing
   • Sports injuries, contact and noncontact sports (except professional sports and high-risk sports)
   • Accidental chemical poisoning A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.
3. Who is qualified for ER Care Booster 60? Adults, 18 to 64 years old, can get ER Care Booster 60 and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
4. When can I start using ER Care Booster 60? From the day you register (“registration date”), the health voucher will be activated after ten (10) calendar days. Your health voucher is valid for 12 months or up until used.Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 12. It will then be valid from August 12, 2018 to August 11, 2019 or up until used.
5. How many times can I register ER Care Booster 60 in my name? If you have already used your ER Care Booster 60 health voucher, you can get another ER Care Booster 60 to be covered again. Note that a person can only be covered by one (1) product offering emergency care benefits at any point in time.
6. If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care Booster 60 is for one-time use only, regardless if the total annual benefit limit is consumed or not. The advantage of this health voucher is its high benefit limit, affordability, and convenient registration process. It assures you of assistance for most or all expenses you incur for outpatient emergency care, and allows you to avail and register another one to renew your coverage.
7. Is PhilHealth coverage needed to use ER Care Booster 60? Yes. Once there is an admission, PhilHealth coverage is required since it also covers inpatient care. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
8. If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care Booster 60? No. You cannot register for ER Care Booster 60 if you are already enrolled in IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
9. Can I register an ER Care Booster health voucher for someone else? Yes, as long as you know the personal data of the individual and obtained his/her authorization to be registered. We have ER Care prepaid health vouchers that can be given as gifts to your loved ones. The data required for registration are as follows: a. Full name b. Birth date c. Home address d. Email address e. Mobile number
10. Can I transfer ER Care Booster 60 to another person? ER Care Booster 60 is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
11. Can I use ER Care Booster 60 in hospitals not on the health voucher’s provider list? No. Services can only be availed in IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
12. What conditions are not covered by ER Care Booster 60? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of). Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.For more information, see “General Exclusions”.

Please read or download Health Care Agreement here

Return, Replacement and Refund Policy

This policy is created to narrate return procedures of IHC prepaid healthcare products and to provide refund process for said returned products.

GENERAL GUIDELINES

1. This policy applies to IHC products namely: ER Care Basic, ER Care Booster, ER Care All-In, and MedConsult.
2. This policy allows the return of the product and refund of fees paid, subject to a handling fee of Php 400.00 per product.
3. The refund will always be paid in Philippine Pesos. The refund will be based on the actual amount received by us and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
4. Return is possible only if the product is not yet registered to any person. Once the product has been registered to a person, it cannot be returned. The person who has been registered under the product will continue to be covered subject to the Health Care Agreement governing the ER Care and MedConsult Series.
5. The return and refund of any product that has not yet been registered must be done by the Purchaser himself/herself. Please refer to the procedures below on how to return a product and request for a refund and their documentary requirements.
6. The return of the product must be requested within the period shown below. Beyond these periods, the product is no longer eligible for return and refund or replacement.
7. 1. Fourteen (14) calendar days from purchase date for units sold through the e-commerce site of IHC
   2. Seven (7) calendar days from the purchase date for items sold through IHC agents, brokers and other accredited partner platforms.

PROCEDURES

Return

1. The Purchaser must send an email to returns@insularhealthcare.com.ph to request for the return of a product. The request must include the following information and documentation: 

1. 1. Complete Name of the Purchaser
   2. Contact number, email address and mailing address of the Purchaser
   3. The reason for the return
   4. Request for a replacement product and/or refund
   5. Proof of purchase which may include the confirmation email sent by IHC
   6. Photocopy of two (2) valid government-issued ID of the Purchaser
   7. If IHC issued an Official Receipt, the image of it must also be presented. Please note that if we agree to the return of a product, the original Official Receipt must be returned to IHC prior to the implementation of the replacement or refund.
2. IHC shall acknowledge the receipt of the request for a return of the product through email.
3. IHC shall conduct an evaluation and within two (2) working days of receipt of the complete request for a return of the product, IHC shall advise the customer on the decision of the request for the return of the product. Detailed computation and instructions on the return, replacement and refund will also be provided.

Replacement and Refund

1. A replacement handling fee of Php400.00 per product shall apply.
2. The replacement handling fee or refund handling fee shall be deducted from the amount paid.
3. If you want a replacement product, we shall offset the amount due from the product being returned against the cost of the replacement product.
4. If the replacement product’s price is higher than the product being returned, less the replacement handling fee, the difference will be settled by the Purchaser before IHC issues the replacement product to him/her.
5. If you want a refund, please allow 20 working days to prepare your refund.
6. The refund will be based on the actual amount paid and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
7. If payment was by means other than by credit or debit card, refund shall be given in the form of a company check paid to the Purchaser and sent via courier to the Purchaser’s mailing address. IHC shall not issue any refunds in cash, regardless of the amount.
8. Notwithstanding #8 above, if an Official Receipt was issued, the check will be paid to the same name as shown on the receipt.

Total ProtectER is a total protection package composed of a term insurance product with a daily hospital income benefit for a six-month coverage; and a one-time use health care voucher that provides up to Php100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.  

With this plan, the member gets the following benefits: 

Php 500,000 life insurance coverage. This benefit is given to the beneficiary upon Insured’s death due to natural or accidental causes (including COVID-19) within the six-month coverage period. 

Notice and Proof of Death. The Company will pay the designated beneficiary the corresponding Amount of Insurance upon receipt and approval by the Company of due proof/s that the Insured Individual died while insured under this contract and in accordance with its terms. 

Beneficiary.  The beneficiary designated by the Insured Individual in his application shall receive the death benefit provided that the beneficiary is living at the time of death of the insured individual. 

If no qualified beneficiary is designated by the Insured Individual or if no qualified beneficiary survives the insured individual, the following classes of beneficiaries, in this order of preference, shall be deemed named by the insured individual as his contingent beneficiary or beneficiaries: (1) surviving legitimate spouse  (2) surviving legitimate, legitimated, and legally adopted children  (3) surviving illegitimate children  (4) surviving parents  (5) surviving siblings of the full blood  (6) surviving siblings of the half-blood  (7) executors or administrators. 

If there be two or more beneficiaries in the same class entitled to the proceeds of the insurance, they shall share equally.  Any minor’s share shall be paid to him in the manner provided for by law. 

Suicide. The Company shall be liable in case of suicide committed in the state of insanity.  If suicide is not compensable, the Company would refund the premium paid for the individual.  

Total ProtectER is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City. Option is given to inlcude access to Top 6 hospitals, by paying additional fee.

Php 3,000 daily hospital income benefit. This benefit is given if hospital confinement is due to accidental injury or sickness (including COVID-19), within the six-month coverage period. Insured can reimburse Php3,000 hospital income benefit per day, as long as hospital confinement is at least 4 days, maximum of 90 days. 
If an injury or sickness results in the hospital confinement of the Insured Individual, the Company will pay the Hospital Income Benefit in the form of a daily hospital allowance upon receipt of satisfactory proof of the hospital confinement of the Insured Individual. The daily hospital allowance of Php3,000 will be paid during the continuance of the Insured Individual’s hospital confinement subject to a maximum period of 90 days for the six-month coverage and to an elimination period of 3 days. 

There shall be a maximum of 15 days per hospital confinement. 

For related confinements, a gap of not more than 90 days between such confinements is considered as one (1) confinement. For example: gap between a) discharge from confinement 1 and b) admission for confinement 2 is 30 days. Since 30 days is less than 90 days, this is considered as one confinement only. 

Pre-existing conditions and limitations shall apply. 
Pre-Existing Conditions and Limitations. During the waiting period of two months within the Insured Individual’s coverage, no benefit shall be provided for hospital confinement resulting directly or indirectly from injury sustained or a sickness or condition which was evident or for which the Insured Individual received medical advice or treatment within six (6) months prior to the effective date of this Rider.
 

How to buyTo purchase, please click here, and use Referral code: AQA6NOYou will be taken to iCare ecommerce website Open an accountFollow the easy steps to choose preferred productsClick product, add to cart, change quantity as desiredWhen done adding to cart, proceed to checkoutWhen asked for referral code, use AQA6NOProceed to paymentAfter payment, pls send screenshot of confirmation to sales@icare.net.phFor companies & those who prefer to pay in check, choose “Check” as payment method.Then email us at sales@icare.net.ph the ff info: Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:We will then send you a Billing with Reference No. along with instructions how to pay.If you are having difficulty, you may choose to send us email to sales@icare.net.ph and we will do the purchasing for you and send you payment instructions. Purchaser name: Email address: Contact number: Complete billing address: Prepaid Plan Type: Quantity:For assistance: 09178192590 or email us at sales@icare.net.phClick here to proceed to buy

What is the Referral Code: AQA6NO?When you decide to buy, you will be taken to the ecommerce website of iCare where you will choose the products and pay. This is a secure portal and your payments will be made through the official payment channels of iCare, and not to us or to any other 3rd party.  You will be issued official Invoice & OR of iCare. This ensures that your transactions are secure and legitimate and you are paying to a legitimate company, not to any 3rd party who may not even be connected to iCare.As an Accredited Sales Partner, iCare provides us with a small token for every referral. This small tokens are used to maintain this website. This enables us to dessiminate the benefits and advantages of iCare products to a wider audience which would otherwise be unavailable or would have limited exposure.By using the referral code AQA6NO, your are assured of a secure & legitimate transaction allowing you to enjoy the amazing benefits of iCare Prepaid products, and at the same time you also help our fellow Filipinos gain access and also enjoy affordable health care.To know more about us click hereClick here to proceed to buyThank you for your support!

Total ProtectER

1. What is considered a medical emergency?“Emergency” shall mean the sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort.
2. What are sample illnesses and accidents covered by Total ProtectER? Total ProtectER covers diseases that include, but are not limited to:
   • Acute Bronchitis
   • Acute gastroenteritis with dehydration
   • Acute tonsillopharyngitis with moderate dehydration
   • Acute Sinusitis
   • Acute tonsillopharyngitis
   • Acute Upper Respiratory Tract Infection
   • Amoebiasis
   • Cellulitis
   • Dengue Fever
   • Acute Pneumonia
   • Typhoid Fever
   • Urinary Tract Infection
   • SVI (systemic viral infection) with fever
   • Measles with high-grade fever
   • Chicken pox with complications
   • Leptospirosis
   • Polio
   • Cholera
   • Diphtheria
   • Pertussis
   • Tetanus
   • Rabies
   • Meningitis
   • Chikungunya
   • Malaria
   • Anaphylactic Shock
   • Acute Appendicitis
   • Acute Gastritis
   Total ProtectER covers accidents that include, but are not limited to:
   • Accidents, excluding Cerebrovascular (Stroke)
   • Fracture, new
   • Burns, new
   • New animal bites, including first dose of vaccines up to a maximum of Php20,000
   • Cuts, new, needing suturing
   • Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
   • Accidental chemical poisoning
   A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.
3. How can I register my Total ProtectER voucher? Upon purchase, you can register online at https://services.insularhealthcare.com.ph/. You must register a name to your prepaid health plan within 90 days from purchase date. After which, your serial code will no longer be available for register.
4. When can I start using Total ProtectER? The health voucher will be activated 10 calendar days from registration. The validity period will be indicated on your health voucher. It is valid for 12 months or up until used, whichever comes first.Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 12. It will then be valid from August 12, 2023, to August 11, 2024, or up until used, which ever comes first.
5. What’s the availment process? In case of emergency, go to an IHC-accredited hospital and proceed to ER. Present your IHC e-voucher and a government-issued ID. If your case is coverable, your hospitalization will be covered by your e-voucher up to the benefit limit indicated. Services that are not covered by the e-voucher can be settled directly with the hospital.
6. Can I register someone else to use the plan? How? Yes, you can. The health plan is giftable/transferable as long as it’s not yet registered. To get the prepaid health card registered to someone else, you need their details listed below:
   • Full name
   • Birth date
   • Home address
   • Email address
   • Mobile number
   Take note that after submitting the person’s information, an email will be sent to him/her notify them that you registered them under an IHC health plan. They must confirm that they allow the registration to receive the health voucher.
7. If the benefit limit is not wholly consumed, can I use the health voucher again in the future? Total ProtectER is a one-time use health voucher, which means regardless of consuming it wholly or not, it will not be valid again for use. However, you can repurchase and register it once again.
8. Can I use my voucher in other hospitals not provided on the list? IHC has more than 500-accredited hospitals and clinics Members can choose from. All vouchers will be accepted in the cited hospitals and clinics in the list provided here https://www.insularhealthcare.com.ph/our-partners/
9. Can I use my PhilHealth for extra coverage? Yes. Once there is an admission, PhilHealth coverage is required since it also covers inpatient care. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.
10. What conditions are not covered by Total ProtectER?Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.An illness or condition is considered pre-existing if, prior to effective date of coverage:     (a) Any professional advice or treatment was given for such illness or condition;     (b) Such illness or condition was in any way already known to the Member; or     (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of). Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.For more information, see “General Exclusions”.

Please read or download Health Care Agreement here

Return, Replacement and Refund Policy

This policy is created to narrate return procedures of IHC prepaid healthcare products and to provide refund process for said returned products.

GENERAL GUIDELINES

1. This policy applies to IHC products namely: ER Care Basic, ER Care Booster, ER Care All-In, and MedConsult.
2. This policy allows the return of the product and refund of fees paid, subject to a handling fee of Php 400.00 per product.
3. The refund will always be paid in Philippine Pesos. The refund will be based on the actual amount received by us and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
4. Return is possible only if the product is not yet registered to any person. Once the product has been registered to a person, it cannot be returned. The person who has been registered under the product will continue to be covered subject to the Health Care Agreement governing the ER Care and MedConsult Series.
5. The return and refund of any product that has not yet been registered must be done by the Purchaser himself/herself. Please refer to the procedures below on how to return a product and request for a refund and their documentary requirements.
6. The return of the product must be requested within the period shown below. Beyond these periods, the product is no longer eligible for return and refund or replacement.
7. 1. Fourteen (14) calendar days from purchase date for units sold through the e-commerce site of IHC
   2. Seven (7) calendar days from the purchase date for items sold through IHC agents, brokers and other accredited partner platforms.

PROCEDURES

Return

1. The Purchaser must send an email to returns@insularhealthcare.com.ph to request for the return of a product. The request must include the following information and documentation: 

1. 1. Complete Name of the Purchaser
   2. Contact number, email address and mailing address of the Purchaser
   3. The reason for the return
   4. Request for a replacement product and/or refund
   5. Proof of purchase which may include the confirmation email sent by IHC
   6. Photocopy of two (2) valid government-issued ID of the Purchaser
   7. If IHC issued an Official Receipt, the image of it must also be presented. Please note that if we agree to the return of a product, the original Official Receipt must be returned to IHC prior to the implementation of the replacement or refund.
2. IHC shall acknowledge the receipt of the request for a return of the product through email.
3. IHC shall conduct an evaluation and within two (2) working days of receipt of the complete request for a return of the product, IHC shall advise the customer on the decision of the request for the return of the product. Detailed computation and instructions on the return, replacement and refund will also be provided.

Replacement and Refund

1. A replacement handling fee of Php400.00 per product shall apply.
2. The replacement handling fee or refund handling fee shall be deducted from the amount paid.
3. If you want a replacement product, we shall offset the amount due from the product being returned against the cost of the replacement product.
4. If the replacement product’s price is higher than the product being returned, less the replacement handling fee, the difference will be settled by the Purchaser before IHC issues the replacement product to him/her.
5. If you want a refund, please allow 20 working days to prepare your refund.
6. The refund will be based on the actual amount paid and all refunds will be processed and paid out in the same manner that it was paid to Insular Health Care. That is, if the product was purchased with a credit card, the refund will be credited to the credit card with the same card number. Insular Health Care reserves the right to require documentation and proof that will prevent the fraudulent return of the product.
7. If payment was by means other than by credit or debit card, refund shall be given in the form of a company check paid to the Purchaser and sent via courier to the Purchaser’s mailing address. IHC shall not issue any refunds in cash, regardless of the amount.
8. Notwithstanding #8 above, if an Official Receipt was issued, the check will be paid to the same name as shown on the receipt.