Plan FAQs
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.
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.
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
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.
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.
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.
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.
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 iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
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
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.
Can I use ER Care Basic 50 in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
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 iCare’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”.
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.
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.
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
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.
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.
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.
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.
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 iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
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
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.
Can I use ER Care Booster 60 in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
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 iCare’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”.
What does ER Care Booster 80 cover? With a Php 80,000 benefit limit, ER Care Booster 80 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.
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 80 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.
Who is qualified for ER Care Booster 80? Adults, 18 to 64 years old, can get ER Care Booster 80 and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care Booster 80? 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.
How many times can I register ER Care Booster 80 in my name? If you have already used your ER Care Booster 80 health voucher, you can get another ER Care Booster 80 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care Booster 80 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.
Is PhilHealth coverage needed to use ER Care Booster 80? 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care Booster 80? No. You cannot register for ER Care Booster 80 if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
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
Can I transfer ER Care Booster 80 to another person? ER Care Booster 80 is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care Booster 80 in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care Booster 80? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does ER Care Booster 100 cover? With a Php 100,000 benefit limit, ER Care Booster 100 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.
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 100 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.
Who is qualified for ER Care Booster 100? Adults, 18 to 64 years old, can get ER Care Booster 100 and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care Booster 100? 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.
How many times can I register ER Care Booster 100 in my name? If you have already used your ER Care Booster 100 health voucher, you can get another ER Care Booster 100 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care Booster 100 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.
Is PhilHealth coverage needed to use ER Care Booster 100? 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care Booster 100? No. You cannot register for ER Care Booster 100 if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
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
Can I transfer ER Care Booster 100 to another person? ER Care Booster 100 is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care Booster 100 in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care Booster 100? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does ER Care All-In 80 Adults cover? With a Php 80,000 benefit limit, ER Care All-In 80 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.
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 80 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 80 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.
Who is qualified for ER Care All-In 80 Adults? Adults, 18 to 64 years old, can get ER Care All-In 80 Adults and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care All-In 80 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.
How many times can I register ER Care All-In 80 Adults in my name? If you have already used your ER Care All-In 80 Adults health voucher, you can get another ER Care All-In 80 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care All-In 80 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.
Is PhilHealth coverage needed to use ER Care All-In 80 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 80 Adults? No. You cannot register for ER Care All-In 80 Adults if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
Can I register an ER Care All-In 80 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
Can I transfer ER Care All-In 80 Adults to another person? ER Care All-In 80 Adults is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care All-In 80 Adults in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care All-In 80 Adults? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
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.
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.
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
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.
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.
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.
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.
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 iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
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
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.
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 iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
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 iCare’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”.
What does ER Care All-In 60 Kids cover? With an Php 60,000 annual benefit limit, ER Care All-In 60 Kids covers emergency cases due to accidents. It covers expenses on outpatient and inpatient emergency care, room and board, diagnostic and therapeutic 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.
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 60 Kids 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
ER Care All-In 60 Kids 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.
Who is qualified for ER Care All-In 60 Kids? Children, one (1) to 17 years old, can get ER Care All-In 60 Kids and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care All-In 60 Kids? 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.
How many times can I register ER Care All-In 60 Kids in my name? If you have already used your ER Care All-In 60 Kids health voucher, you can get another ER Care All-In 60 Kids 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care All-In 60 Kids 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.
Is PhilHealth coverage needed to use ER Care All-In 60 Kids? 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 60 Kids? No. You cannot register for ER Care All-In 60 Kids if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
Can I register an ER Care All-In 60 Kids 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
Can I transfer ER Care All-In 60 Kids to another person? ER Care All-In 60 Kids is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care All-In 60 Kids in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care All-In 60 Kids? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does ER Care All-In 80 Kids cover? With a Php 80,000 benefit limit, ER Care All-In 80 Kids 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.
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 80 Kids 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 80 Kids 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.
Who is qualified for ER Care All-In 80 Kids? Children, one (1) to 17 years old, can get ER Care All-In 80 Kids and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care All-In 80 Kids? 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.
How many times can I register ER Care All-In 80 Kids in my name? If you have already used your ER Care All-In 80 Kids health voucher, you can get another ER Care All-In 80 Kids 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care All-In 80 Kids 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.
Is PhilHealth coverage needed to use ER Care All-In 80 Kids? 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 80 Kids? No. You cannot register for ER Care All-In 80 Kids if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
Can I register an ER Care All-In 80 Kids 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
Can I transfer ER Care All-In 80 Kids to another person? ER Care All-In 80 Kids is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care All-In 80 Kids in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care All-In 80 Kids? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does ER Care All-In 100 Kids cover? With a Php 100,000 benefit limit, ER Care All-In 100 Kids 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.
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 Kids 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 Kids 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.
Who is qualified for ER Care All-In 100 Kids? Children, one (1) to 17 years old, can get ER Care All-In 100 Kids and register as a Member. Upon purchase, you can register online at www.insularhealthcare.com.ph/registerproduct
When can I start using ER Care All-In 100 Kids? 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.
How many times can I register ER Care All-In 100 Kids in my name? If you have already used your ER Care All-In 100 Kids health voucher, you can get another ER Care All-In 100 Kids 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.
If the benefit limit is not be wholly consumed, can I use the health voucher again in the future? ER Care All-In 100 Kids 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.
Is PhilHealth coverage needed to use ER Care All-In 100 Kids? 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.
If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 100 Kids? No. You cannot register for ER Care All-In 100 Kids if you are already enrolled in iCare’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
Can I register an ER Care All-In 100 Kids 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
1Can I transfer ER Care All-In 100 Kids to another person? ER Care All-In 100 Kids is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use ER Care All-In 100 Kids in hospitals not on the health voucher’s provider list? No. Services can only be availed in iCare-accredited hospitals and clinics. Check Our Partners to see the list of iCare-accredited hospitals.
What conditions are not covered by ER Care All-In 100 Kids? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does MedConsult Adults 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 iCare’s nationwide network of accredited medical specialists and dentists.
Who can qualify to get MedConsult Adults? Adults, 18 to 64 years old, can get MedConsult Adults and register as a Member. Once purchased, registration must be done online at www.insularhealthcare.com.ph/registerproduct.
Can I use it when I am hospitalized? No. The consultation health voucher is only for an outpatient consultation.
Is it transferable? The MedConsult Adults health voucher is not transferable once successfully registered. The registered name will be the recognized iCare Member.
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.
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: iCare membership ID and full name. A medical professional will reach out to you through a call for the consultation
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 iCare’s approval then issue LOA.
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 iCare to have a consultation service.
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 iCare allows you to have the consultation service.
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.
Can I avail of any consultation service? You can avail of consultation services with iCare-accredited general physicians, family medicine specialists, internal medicine specialists (with subspecialties in cardiology, gastroenterology, pulmonology, endocrinology, infectious medicine, nephrology, urology, rheumatology, oncology, hematology, and allergology), general surgeons, orthopedic doctors, and rehabilitation medicine specialists. You can find the list of iCare-accredited specialists here
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 iCare’s approval then issue LOA.
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 iCare.
Do I need to pay any additional amount to the doctor if I just requested for consultation services? No, iCare will already take care of the consultation fee. You should not pay any excess charges relating to the consultation service.
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
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 iCare’s nationwide network of accredited medical specialists and dentists.
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.
Can I use it when I am hospitalized? No. The consultation health voucher is only for an outpatient consultation.
Is it transferable? The MedConsult Kids health voucher is not transferable once successfully registered. The registered name will be the recognized iCare Member.
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.
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: iCare membership ID and full name. A medical professional will reach out to you through a call for the consultation
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 iCare’s approval then issue LOA.
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 iCare to have a consultation service.
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 iCare allows you to have the consultation service.
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.
Can I avail of any consultation service? You can avail of consultation services with iCare-accredited pediatricians. You can find the list of iCare-accredited pediatricians here
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 iCare’s approval then issue LOA.
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 iCare.
Do I need to pay any additional amount to the doctor if I just requested for consultation services? No, iCare will already take care of the consultation fee. You should not pay any excess charges relating to the consultation service.
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
What does MedConsult Seniors 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 iCare’s nationwide network of accredited medical specialists and dentists.
Who can qualify to get MedConsult Seniors? Seniors, 65 years old and above, can get MedConsult Seniors and register as a Member. Once purchased, registration must be done online at www.insularhealthcare.com.ph/registerproduct.
Can I use it when I am hospitalized? No. The consultation health voucher is only for an outpatient consultation.
Is it transferable? The MedConsult Seniors health voucher is not transferable once successfully registered. The registered name will be the recognized iCare Member.
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.
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: iCare membership ID and full name. A medical professional will reach out to you through a call for the consultationc
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 iCare’s approval then issue LOA.
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 iCare to have a consultation service.
Do I need to generate an LOA every time I will avail of a consultation service? Yes. A new LOA should be requested for every consultation service. The approval code indicated on the LOA signifies that iCare allows you to have the consultation service.
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.
Can I avail of any consultation service? You can avail of consultation services with iCare-accredited general physicians, family medicine specialists, internal medicine specialists (with subspecialties in cardiology, gastroenterology, pulmonology, endocrinology, infectious medicine, nephrology, urology, rheumatology, oncology, hematology, and allergology), general surgeons, orthopedic doctors, ENT specialists, geriatricians, and rehabilitation medicine specialists. You can find the list of iCare-accredited specialists here
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 iCare’s approval then issue LOA.
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 iCare.
Do I need to pay any additional amount to the doctor if I just requested for consultation services? No, iCare will already take care of the consultation fee. You should not pay any excess charges relating to the consultation service.
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
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.
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.
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.
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.
What’s the availment process? In case of emergency, go to an iCare-accredited hospital and proceed to ER. Present your iCare 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.
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 iCare health plan. They must confirm that they allow the registration to receive the health voucher.
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.
Can I use my voucher in other hospitals not provided on the list? iCare 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/
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 conditions are not covered by Total ProtectER?Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
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.
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.
How can I register my She's Well 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.
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."
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 iCare-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).
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 to notify them that you registered them under an iCare health plan. They must confirm that they allow the registration to receive the health voucher.
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.
Can I use my voucher in other hospitals not provided on the list? iCare 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/
What conditions are not covered by She's Well? Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’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”.
What does Maternity Care cover? It provides coverage for comprehensive delivery, and post-natal services, with additional benefits of one (1) pre-natal consultation and up to PHP 100,000 AD&D benefit, and newborn services. This voucher is accepted in Mount Grace Hospitals, Inc. (MGHI) partner hospitals
How can I register my Maternity Care voucher? Upon purchase, you can register online at https://services.insularhealthcare.com.ph/.
Who can purchase the prepaid maternity package? Can someone who’s already in her 2nd-3rd trimester buy this card? Any individual may purchase this plan, either for herself or for someone else (spouse, friend, relatives, etc). He/she needs to indicate the recipient or prospective patient in the registration page upon purchase. No matter how far along the pregnancy is, they can purchase this product.
Can an individual with known high-risk condition still buy this plan? Yes, they can still buy this plan. However, there will be charges on additional services the patient may need..
Who determines if an individual is qualified to purchase NSD or CS? The individual is free to choose which package to purchase, whether NSD or CS. The OB doctor can advise on what is best for the patient. .
Do they have to be an InLife Health Care member to purchase the product? No. Anyone can purchase the product through iCare’s e-shop or digital platforms of iCare partners. .
When can I start using Maternity Care? From the day you register (“registration date”), the health voucher will be activated after twenty-four (24) hours after successful registration. Your health voucher is valid for 12 months or up until used whicheverr comes first.
Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 2. It will then be valid from August 2, 2023 to August 1, 2024 or up until used whicheverer comes first.
When can I register my product? You have to register a name to your prepaid plan within 90 days from purchase date. The serial code will be valid up to then. After which, your serial code will no longer be available for register.
If the benefit limit is not wholly consumed, can I use the health voucher again in the future? If the actual hospital bill is less than the benefit cap, the patient has the option to use unused benefit limit to cover additional hospital services for the mother and baby and even professional fees. However, these additional services or treatments must be availed while hospitalized. Refund of unused limit is NOT allowed.
Does the patient need to be PhilHealth member? The patient needs to be a PhilHealth member to avail of the benefits. .
For doctors, do they need to be iCare accredited? Do doctors need to follow HMO schedules of fees? Can doctors outside of iCare accreditation accommodate maternity cardholders?
All MGH OB doctors can participate in this program. They can accommodate maternity cardholders even if they are not iCare accredited doctors, since PFs are not included in the design of the package. It is highly suggested however to follow the schedules of iCare to have reasonable charging of PF to the patient.
Can I register a Maternity Care 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 prepaid health vouchers that can be given as gifts to your loved ones. The data required for registration are as follows:
- Full name
- Birth date
- Home address
- Email address
- Mobile number
Can I transfer Maternity Care to another person? Maternity Care is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.
Can I use Maternity Care in hospitals not on the health voucher’s provider list?
- Maternity Care plan is designed for uncomplicated pregnancy cases. Any medically necessary services or additional treatments availed that are outside the purchased plan shall be for the account of the patient and must be settled directly with the hospital.
- Doctor’s fee is not covered by Maternity Care.
- It is required to have one (1) pre-natal check-up with an OB doctor at the hospital of choice prior to delivery. Cost is c/o iCare up to P500 only, subject to reimbursement.
- Pre-mature delivery and miscarriage shall be treated the same way as normal delivery; entitled to applicable inclusions of the plan.
For more information, see “General Exclusions”.
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.
How can I register my K12 Health Cover 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.
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.
What’s the availment process? In case of emergency, go to an iCare-accredited hospital and proceed to ER. Present your iCare 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.
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 iCare health plan. They must confirm that they allow the registration to receive the health voucher.
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/our-partners/
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
- COVID-19
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.
How can I register my Dengue Flex 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.
When can I start using Dengue Flex? 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, whichever comes first.
What’s the availment process? In case of emergency, go to an iCare-accredited hospital and proceed to ER. Present your iCare 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.
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 iCare health plan. They must confirm that they allow the registration to receive the health voucher.
If the benefit limit is not wholly consumed, can I use the health voucher again in the future? Dengue Flex 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/our-partners/
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 Dengue Flex?
- Dengue Fever
- Leptospirosis
- COVID-19
Insular Health Care (iCare) Head Office
2/F Insular Health Care Building
167 Dela Rosa corner Legazpi Streets, Legazpi
Village, Makati City 1229,
Metro Manila, Philippines
For inquiries:
(632) 8-813-0131 loc 8364
For member servicing:
(632) 8-813-0131 (Press 1)
24/7 support through iCare's Call Center
(Toll Free Number 1-800-10-8177857)
