MedConsult Lite

MedConsult Lite is a multiple-use prepaid health voucher that enables you to get one (1) year unlimited telemedicine access through MyPocketDoctor.
This health voucher is applicable to individuals, 1 year old and above, and is valid for 12 months.

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

How to Avail your Telemedicine Benefits?

STEP 1: Text your request to the following numbers:

For GLOBE/TM - 21585760

For SMART/TNT - 225655760

with the following request format: "I'd like to request for a consultation YOUR NAME, INLIFE HEALTH CARE, MEMBER ID"

STEP 2: A telemedicine assistant will assess your concern and transfer you to a specialist doctor.

STEP 3: Consult with the specialist doctor regarding your concern.

1. What types of doctors do you have?
   • – General Practitioners
      – Specialists
2. What types of specialists do you have?
   • – Ob-Gynecologist
     – Dermatologist
     – Ophthalmologist
     – ENT
     – Pediatrician
3. What are your operating hours for telemedicine?>
   • We are online 24/7/365
4. What types of consultations do you cater?
   • General, non-emergency cases
5. Do you provide a medical certificate?
   • Yes, but issuance is based on the doctor’s discretion upon assessment of the patient’s condition.
6. Do you provide a fit to work certificate or clearance?
   • A physical assessment is warranted before a fit-to-work certificate or clearance is provided.
7. Do you provide an extension for rest for filing of leave of absence?
   • A physical assessment is warranted before any extension of rest day is granted to the patient.
8. Can we request for a prescription refill?
   • – Yes, but ONLY for bedridden, immunocompromised, and senior citizens, and we can only provide at least 1 month’s worth of medication.
     – No, for Psychiatric, restricted drugs or medications needing S2 prescriptions (anxiolytics, antidepressants, etc.)
9. How to Avail your Telemedicine Benefits:
   STEP 1: Text your request to the following numbers:
   
   • For GLOBE/TM - 21585760
   • For SMART/TNT - 225655760
   with the following request format: "I'd like to request for a consultation YOUR NAME, INLIFE HEALTH CARE, MEMBER ID"
   STEP 2: A telemedicine assistant will assess your concern and transfer you to a specialist doctor.
   STEP 3: Consult with the specialist doctor regarding your concern.

 

To know the complete benefits of MEDConsult, read the Insular Health Care’s Health Care Agreement

Registration and Availment Process
How to register and use your Insular Health Care health voucher:



Outpatient Consultation exclusions:

The Outpatient Consultation Health Voucher shall cover consultations made only in a doctor’s office and if not listed below as exclusion:
     ● Consultations in emergency room facilities.
     ● Consultations with non-accredited Physician and/or in a non-accredited hospital.
     ● Conditions secondary to all pregnancy and fertility-related illnesses / treatments.
     ● Sexually transmitted infections such as but not limited to syphilis, gonorrhea, chlamydia, human papillomavirus infection, and HIV/AIDS.
     ● Consultations for complications resulting from sterilization of either sex or reversal of such, artificial insemination, sex transformations, and circumcision.
     ● All in-clinic procedures. The following are examples, but not limited to:
     ● Ophthalmology procedures like visual acuity, refraction, slit lamp exam, fundoscopy, tonometry, etc.
     ● Ears, nose, throat (ENT) procedures like ear irrigation/cleaning, ear/nasal suctioning, rhinoscopy, laryngoscopy, etc.
     ● Surgical procedures like incision and drainage, wound cleaning, debridement, suture removal, etc.
     ● Injection administration
     ● Pap smear
     ● Dermatological consultations and procedures for purpose of beautification. Examples are but not limited to acne, warts, hyperpigmentation, and milia
     ● Consultations with neurologists.
     ● Psychiatric disorders, psychosomatic illnesses, hyperventilation syndrome, stress related conditions, adjustment disorders, childhood and developmental disorders, alcoholism and its complications or conditions related to substance or drug abuse, addiction, and intoxication.
     ● Hypersensitivity and allergy tests.
     ● Cardio-pulmonary (CP) clearance required prior to surgery or medical procedures.
     ● Physical examination required for obtaining employment, medical certification, insurance or government license, including cardio-pulmonary (CP) clearance required prior to surgery or other medical procedures.
     ● Injuries or illnesses due to military, paramilitary, police service, high risk activities, or suffered under conditions of war.
     ● Injuries or illnesses which are self-inflicted, caused by attempt at suicide or incurred as a result of or while participating in a crime or acts involving the violation of law, administrative order, or ordinances.
     ● Diseases declared by the Department of Health as “epidemic”.
     ● Outpatient medicines.
     ● Medico-legal consultations.
     ● Physical therapy.


To know the complete benefits of MedConsult Lite, read Insular Health Care’s Health Care Agreement.

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Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions for MedConsult Lite

By purchasing, registering, or using MedConsult Lite, I hereby certify that I have read, understood, and agreed to the Insular Health Care’s Health Care Agreement and these Terms and Conditions. Should I disagree with the Agreement and these Terms and Conditions prior to registering the product, I can request a refund according to Insular Health Care’s Return & Refund Policy.

I certify that the information hereunto and to be given by me, or by an authorized representative on my behalf, is true and correct, and that any material misrepresentation or falsity contained therein shall be construed as an act to defraud Insular Health Care (IHC), and serves as sufficient ground for any and all of the following actions: the rejection and/or cancellation of my application and termination of membership; non-coverage of medical expenditures by IHC at its accredited providers and partners; and collection of receipts from me in case of advance payments for medical expenses already covered by IHC.

I also hereby authorize IHC to question, independently verify, and investigate any and all information that I have declared from any and whatever sources IHC may deem appropriate.

I also agree that receipt of the corresponding membership fees by IHC does not constitute acceptance of my registration until the corresponding registration has been properly processed approved. For MedConsult Lite, approval of application is automatically effective three (3) calendar days from notice of successful registration. I understand that coverage shall also automatically begin, regardless of the status of receipt of notice to the Member advising successful registration and the commencement of coverage. Any incident, illness, or condition that occurs prior to the start date of coverage, even if such incident, illness, or condition persists up to and/or beyond the Effectivity Date, will not be covered.

I also agree to the non-coverage of illnesses as stated in IHC’s list of General Exclusions applicable to its health care programs. IHC shall have the final, exclusive decision to determine the scope of coverage for a specific illness or condition based on, but not limited to, registration date, start date of coverage, final diagnosis, evaluation of the case as an emergency, hospital billing, professional fees, and the list of General Exclusions.

Lastly, I agree to the retrieval and processing by IHC of any and all personal medical information drawn or obtained pursuant to its products and services based on my coverage, provided that: (a) such information shall be utilized solely for legitimate and official business purposes of IHC; (b) such information shall not, at any time, be disclosed or transmitted to non-essential and/or unauthorized personnel or entities; and (c) all reasonable efforts shall be taken to maintain the confidentiality of such information.