For Kids. Covers ER treatment and confinement for Dengue Fever, Leptospirosis, and COVID-19 Essential coverage for your scholar! Get up to P50,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to Dengue Fever, Leptospirosis, and COVID-19. Kids from 1 to 20 years 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 
•      • Ward room accommodation, if confinement is required 
•      • Required medicines during hospitalization. 
•      • Surgery and surgeon’s fees, when medically necessary 
•      • Special Modalities as medically needed subject to Php 5,000 sublimit 

K12 Health Cover 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, including 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.  

K12 FAQ

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. How can I register my K12 Health Cover voucher? Upon purchase, you can register online at https://services.insularhealth…. 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. 
3. When can I start using K12 Health Cover?  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.

1. 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. 
2. 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 r notify them that you registered them under an IHC health plan. They must confirm that they allow the registration to receive the health voucher.

COVID-19 

If the benefit limit is not wholly consumed, can I use the health voucher again in the future? K12 Health Cover 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. 

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/o…

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. 

What are sample illnesses and accidents covered by K12 Health Cover?

Dengue Fever 

Leptospirosis 

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.

Prevention and early awareness are important to maintain health! MedConsult is a multiple-use health voucher offering medical consultations and dental services for members aged 1 year old and above. Once registered, members can access face-to-face consultations, telemedicine, dental consultations and select dental services.   

MedConsult benefits include: 

• Four (4) face-to-face medical consultations with IHC-accredited health specialists 
• Unlimited access to telemedicine or over-the-phone consultation for one (1) year through Doctor Anywhere 
• Unlimited dental consultation through IHC’s Dental Network  
• Dental Services such as
  • Oral hygiene instruction
  • One (1) Oral Prophylaxis per year
  • Annual dental examination
  • Unlimited Temporary Fillings
  • Three (3) surfaces Amalgam Filling or two (2) surfaces Light Cure Fillings
  • Re-cementation of jacket crown inlays and onlays
  • Unlimited Simple Tooth extraction
  • Adjustment of Dentures
  • Orthodontic Consultation
  • Aesthetic Dental Consultation
  • Treatment of dental-related pain (excluding cost of prescribed medicines)
  • Relief and/or prescription for acute dental pain
  • Treatment for lesions, wounds and burns
  • Emergency desensitization of hypersensitive teeth 

Fertility and pregnancy-related cases, aesthetic-related cases, ENT procedures, ophthalmology procedures and endoscopic procedures, and those related to all forms of behavioural disorders, developmental or psychiatric disorder, whether acquired or congenital, will not be covered.

Fertility and pregnancy-related cases, aesthetic-related cases, ENT procedures, ophthalmology procedures and endoscopic procedures, and

MedConsult variant you can choose from: 

MedConsult Kids

1. What does MedConsult Kids offer? It gives you up to four (4) sessions of outpatient face-to-face medical consultations, unlimited telemedicine access, and unlimited dental consultation services for 12 months from IHC’s nationwide network of accredited medical specialists and dentists.
2. Who can qualify to get MedConsult Kids? Children, 1 to 17 years old, can get MedConsult Kids and register as a Member. Once purchased, registration must be done online at www.insularhealthcare.com.ph/registerproduct.
3. Can I use it when I am hospitalized? No. The consultation health voucher is only for an outpatient consultation.
4. Is it transferable? The MedConsult Kids health voucher is not transferable once successfully registered. The registered name will be the recognized IHC Member.
5. When can I avail the consultation service? From the day you register (“registration date”), you may avail of consultation services will be activated after three (3) 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, the activation date will be on August 5, and you can already avail of consultation services. It will then be valid from August 5, 2018 to August 4, 2019.
6. What is the procedure for availment of the consultation services? For face-to-face medical consultations, set an appointment with the doctor via phone call prior to the day of your visit to make sure that he will be holding his clinic on the day you desire to have your consultation and to ensure that you will be accommodated. You have to present a Letter of Authorization (LOA), personalized membership health voucher and one (1) valid ID to the doctor on the day of availment.Note that the consultation must be availed within the LOA validity period, which is with three (3) calendar days starting from day of issuance, and must be provided by the doctor indicated in the LOA.For telemedicine, request a consultation by texting the number +63 947 837 3200 with the following details: IHC membership ID and full name. A medical professional will reach out to you through a call for the consultation 
7. How do I get an LOA? Here are the steps to get an LOA for face-to-face medical consultations: Step 1: Call and check doctor’s availability here. Step 2: Upon confirmation of appointment, go to hospital/clinic where you will avail of services and present your voucher with valid ID. Step 3: Hospital/clinic staff will ask for IHC’s approval then issue LOA.
8. Can I avail of medical services without an LOA? No. You cannot avail of the consultation service without an LOA. The LOA is the document that would inform the doctor that you have been authorized by IHC to have a consultation service.
9. Do I need to generate an LOA every time I will avail of a consultation service? Yes. A new LOA should be downloaded for every consultation service. The approval code indicated on the LOA signifies that IHC allows you to have the consultation service.
10. Is there a limit on how many consultations I can avail within a day? There is no limit on how many consultations you can avail in a day. You just need to generate separate LOAs for each consultation services you would need.
11. Can I avail of any consultation service? You can avail of consultation services with IHC-accredited pediatricians. You can find the list of IHC-accredited pediatricians here
12. What is the procedure I need to follow for dental consultations? Here are the steps to avail of dental services: Step 1: Call and check dental clinic schedule here. Step 2: Upon confirmation of appointment, go to clinic where you will avail of services and present your voucher with valid ID. Step 3: Hospital/clinic staff will ask for IHC’s approval then issue LOA.
13. Can I also request for other services such as example laboratory examinations, etc.? The consultation health voucher covers only the consultation fee. Other services will not be paid for by IHC.
14. Do I need to pay any additional amount to the doctor if I just requested for consultation services? No, IHC will already take care of the consultation fee. You should not pay any excess charges relating to the consultation service.
15. Can I enroll a health voucher for someone else as my gift to that person? Yes, as long as you know the personal data of the individual to be enrolled. 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

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.

Medical history taking and physical exam 
Chest Xray 
Complete Blood Count (CBC) 
Urinalysis 
Blood Typing 
Pelvic Ultrasound 
Pre and post-procedure consultations 
Php 20,000 emergency case coverage 
1-year unlimited telemedicine access

You become your best self when you feel well. She’s Well can be used by girls and women of all ages. It has diagnostics and laboratory procedures, medical consultations, with unlimited access to telemedicine, and hospital coverage for emergencies due to accidents. 

Diagnostic and Laboratory Tests 

The list of laboratory and diagnostic procedures included in She’s Well is based on OBGYN’s recommendations according to age. The coverage can be used once. Members can avail themselves of the diagnostic procedures and examinations coverage in Hi-Precision, Keralty Clinics, and The Medical City Clinics nationwide. 

Emergency Care Coverage 

She’s Well’s emergency care coverage is valid for 1 year or up until used, whichever comes first. Registered members from 1 to 70 years old can take advantage of this benefit.  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.  

The Php 20,000 benefit limit for emergency care benefits 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. 

 Telemedicine Access 

She’s Well includes unlimited telemedicine or over-the-phone medical consultation for 1 year.

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She’s Well FAQ

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. 

1. What is considered as an “accident”? “Accident” shall mean 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. Some examples of accidents covered by She’s Well are new fractures, new burns, new animal bites, and new cuts that need suturing. 
2. How can I register my She’s Well voucher? Upon purchase, you can register online at https://services.insularhealth…. 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. 
3. When can I start using She’s Well?  From the day you register (“registration date”), the health voucher will be activated 10 calendar days after successful registration. Your health voucher 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 11. It will then be valid from August 11, 2022 to August 10, 2023 or up until used whichever comes first.” 
4. What’s the availment process? A.  Diagnostic procedures and examinations:  STEP 1: Call your chosen clinic to set appointment  STEP 2: On the appointed day, go to the clinic and present your She’s Well voucher  STEP 3: Upon verification of your membership, take the diagnostic procedures and lab tests  STEP 4: Before leaving, schedule a follow-up visit for results interpretation  B.   Emergency Coverage  STEP 1: Upon accident, go to the Emergency Room of nearest IHC-accredited hospital  STEP 2: Present your She’s Well voucher along with a government-issued ID  STEP 3: Upon verification of your membership, proceed in getting your treatment  C.   Telemedicine/remote consultation through Doctor Anywhere  STEP 1: In the app click on “Consult a GP”  STEP 2: Click on “See The Next Available GP now’”  STEP 3: Add in your symptoms and information on your condition, then click “Next’’ STEP 4: The Doctor will pick up your call within 5 mins. STEP 5: Consult a Doctor (Note: Don’t forget to show your ID for verification). 
5. Can I register someone else to use the plan? How?  Yes, you can.  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 to notify them that you registered them under an IHC health plan. They must confirm that they allow the registration to receive the health voucher. 
6. If the benefit limit is not wholly consumed, can I use the health voucher again in the future? She’s Well’s diagnostic and laboratory procedures coverage can only be used once. However, its emergency care coverage and telemedicine access are valid for a year or up until used, whichever comes first. 
7. 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/ 
8. What conditions are not covered by She’s Well?  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 dowload 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.