ER Basic 50

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.