Prepaid Health Cards for Adults
P100.00 – P300.00
Perfect for short gigs and short trips. ER Care Choice gives you the freedom to choose the benefit limit and coverage period according to your health plan needs and budget. It provides up to P50,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents, viral/bacterial diseases, and specific conditions. Adults ages 18 to 70 can take advantage of this one-time use health plan.
The benefit limit covers:
- Doctor’s professional fee
- Emergency room treatment
- Laboratory and diagnostic procedures
- Ward room,if confinement is required
- Required medicines during hospitalization
- Surgery and surgeon’s fees, if medically required
- Surgery and surgeon’s fees when medically necessary
- Use of operating room, recovery room, and ICU, as medically necessary
- Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.
ER Care Choice’s validity period can be 30, 60, or 90 days. It can be used in more than 500 IHC-accredited hospitals in the Philippines, including the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.
ER Care Choice plans you can choose from:
| Benefit Limit | Coverage Period | Room Accommodation | Price |
| Php 30,000.00 | 30 days | Ward | Php 100.00 |
| Php 30,000.00 | 60 days | Ward | Php 200.00 |
| Php 30,000.00 | 90 days | Ward | Php 300.00 |
| Php 50,000.00 | 30 days | Ward | Php 150.00 |
| Php 50,000.00 | 60 days | Ward | Php 250.00 |
| Php 50,000.00 | 90 days | Ward | Php 300.00 |
Build the right plan for you
Choose the benefit limit of your plan *
- Php 30,000.00 100.00 (Php)
- Php 50,000.00 150.00 (Php)
Choose the duration of your plan
90 Days Validity+200.00 (Php)
30 Days Validity
60 Days Validity+100.00 (Php)
Value for money health plan for emergencies! ER Care Basic provides up to P50,000 worth of outpatient care (ER treatment) coverage on emergency cases due to accidents. Adults from 18 to 64 years old can take advantage of this one-time use health plan.
The PHP 50,000 benefit limit covers:
- Doctor’s professional fee
- Emergency room treatment
- Laboratory and diagnostic procedures
ER Care Basic 50 is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.
- 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 IHC’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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-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 IHC’s General Exclusions list are not covered by this product..An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of)..Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease..For more information, see “General Exclusions”.
ER BOOSTER 60 : P800.00
Room Accomodation : Ward
Benefit Limit : P60,000.00
ER BOOSTER 80 : P900.00
Room Accomodation : Semi Private
Benefit Limit : P80,000.00
Price : P800.00
ER BOOSTER 100 : P1,000.00
Room Accomodation : Regular Private
Benefit Limit : P100,000.00
ER Care Booster is a one-time use prepaid health voucher that provides up to P100,000.00 outpatient and inpatient coverage of emergency cases due to accidents. It is accepted in all Insular Health Care accredited hospitals nationwide (excluding *Top 6 hospitals).
ER Care Booster provides up to P100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents. Adults from 18 to 64 years old can take advantage of this one-time use health plan.
The benefit limit covers:
Doctor’s professional fee
Emergency room treatment
Laboratory and diagnostic procedures
Room accommodation if confinement is required
Required medicines during hospitalization
Surgery and surgeon’s fees, if medically required
Surgery and surgeon’s fees when medically necessary
Use of operating room, recovery room, and ICU, as medically necessary
Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.
Hospital cash allowance of Php 1,000 when confined
ER Care Booster is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.
| Benefit Limit | Room Accomodation | Base SRP |
| Php 60,000.00 | Ward | Php 800.00 |
| Php 80,000.00 | Semi-Private | Php 900.00 |
| Php 100,000.00 | Regular Private | Php 1,000.00 |
Access to Top 6 Hospitals: Add P300.00
- 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 IHC’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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-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 IHC’s General Exclusions list are not covered by this product.An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of). Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.For more information, see “General Exclusions”.
All-In protection against sudden medical emergencies. ER Care All-In provides up to P100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to accidents, viral/bacterial diseases, and specific conditions. Kids from 1 to 17 years old and adults from 18 to 64 years old can take advantage of this one-time use health plan.
The benefit limit covers:
- Doctor’s professional fee
- Emergency room treatment
- Laboratory and diagnostic procedures
- Room accommodation if confinement is required
- Required medicines during hospitalization
- Surgery and surgeon’s fees, if medically required
- Surgery and surgeon’s fees when medically necessary
- Use of operating room, recovery room, and ICU, as medically necessary
- Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.
- Hospital cash allowance of Php 1,000 when confined (for adults only)
- 1-year unlimited access to telemedicine/remote medical consultation (for kids only)
ER Care All-In is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.
ER Care All-In covers diseases that include, but are not limited to:
- Acute Bronchitis
- Acute gastroenteritis with dehydration
- Acute tonsillopharyngitis with moderate dehydration
- Acute Sinusitis
- Acute tonsillopharyngitis
- Acute Upper Respiratory Tract Infection
- Amoebiasis
- Cellulitis
- Dengue Fever
- Acute Pneumonia
- Typhoid Fever
- Urinary Tract Infection
- SVI (systemic viral infection) with fever
- Measles with high-grade fever
- Chicken pox with complications
- Leptospirosis
- Polio
- Cholera
- Diphtheria
- Pertussis
- Tetanus
- Rabies
- Meningitis
- Chikungunya
- Malaria
- Anaphylactic Shock
- Acute Appendicitis
ER Care All-In covers accidents that include, but are not limited to:
- Accidents, excluding Cerebrovascular (Stroke)
- Fracture, new
- Burns, new
- New animal bites, including first dose of vaccines up to a maximum of Php20,000
- Cuts, new, needing suturing
- Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.
NON-COVERABLE CONDITIONS
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.
An illness or condition is considered pre-existing if, prior to effective date of coverage:
- Any professional advice or treatment was given for such illness or condition;
- Such illness or condition was in any way already known to the Member; or
- 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.
| Benefit Limit | Age Range | Room Accomodation | Price |
| Php 60,000.00 | 1 to 17 years old | Ward | Php 3,150.00 |
| Php 80,000.00 | 1 to 17 years old | Semi-Private | Php 4,150.00 |
| Php 100,000.00 | 1 to 17 years old | Regular Private | Php 5,150.00 |
| Php 80,000.00 | 18 to 64 years old | Semi-Private | Php 1,350.00 |
| Php 100,000.00 | 18 to 64 years old | Regular Private | Php 1,750.00 |
With Top 6 Hospitals for Kids: Add P2,000.00
With Top 6 Hospitals for Adults: Add P700.00
- 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 IHC’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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-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 IHC’s General Exclusions list are not covered by this product.
An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).
Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
For more information, see “General Exclusions”.
Prevention and early awareness are important to maintain health! MedConsult is a multiple-use health voucher offering medical consultations and dental services for members aged 1 year old and above. Once registered, members can access face-to-face consultations, telemedicine, dental consultations and select dental services.
MedConsult benefits include:
- Four (4) face-to-face medical consultations with IHC-accredited health specialists
- Unlimited access to telemedicine or over-the-phone consultation for one (1) year through Doctor Anywhere
- Unlimited dental consultation through IHC’s Dental Network
- Dental Services such as
- Oral hygiene instruction
- One (1) Oral Prophylaxis per year
- Annual dental examination
- Unlimited Temporary Fillings
- Three (3) surfaces Amalgam Filling or two (2) surfaces Light Cure Fillings
- Re-cementation of jacket crown inlays and onlays
- Unlimited Simple Tooth extraction
- Adjustment of Dentures
- Orthodontic Consultation
- Aesthetic Dental Consultation
- Treatment of dental-related pain (excluding cost of prescribed medicines)
- Relief and/or prescription for acute dental pain
- Treatment for lesions, wounds and burns
- Emergency desensitization of hypersensitive teeth
Fertility and pregnancy-related cases, aesthetic-related cases, ENT procedures, ophthalmology procedures and endoscopic procedures, and those related to all forms of behavioural disorders, developmental or psychiatric disorder, whether acquired or congenital, will not be covered..
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 IHC’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 IHC 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: IHC 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 IHC’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 IHC 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 IHC 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 IHC-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 IHC-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 IHC’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 IHC.
Do I need to pay any additional amount to the doctor if I just requested for consultation services? No, IHC will already take care of the consultation fee. You should not pay any excess charges relating to the consultation service.
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
MedConsult variant you can choose from:
| Age | Included Specialists | Price |
| 1-17 Years Old | Pediatricians | Php 3,000.00 |
| 18-64 Years Old | 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, and rehabilitation medicine specialists | Php 2,500.00 |
| 65 Years Old and Above | 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. | Php 3,500.00 |
Build the right plan for you
Choose the age bracket of the insured individual(s) *
- MedConsult Kids
(1 to 17 years old)
3,000.00 (Php) - MedConsult Adults
(18 to 64 years old)
2,500.00 (Php) - MedConsult Seniors
(65 years old and up)
3,500.00 (Php
21 to 70 years old
P500.00
Ready for the monsoon season! Get up to P50,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage on emergency cases due to Dengue Fever, Leptospirosis, and COVID-19. Adults from 21 to 70 years old can take advantage of this one-time use health plan.
The P50,000 benefit limit covers:
- Doctor’s professional fee
- Emergency room treatment
- Laboratory and diagnostic procedures
- Ward room accommodation, if confinement is required
- Required medicines during hospitalization
- Surgery and surgeon’s fees, when medically necessary
- Special Modalities as medically needed subject to Php 5,000 sublimit
Dengue Flex is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, including the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City.
Dengue Flex
- 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.insularhealth…. You must register a name to your prepaid health plan within 90 days from purchase date. After which, your serial code will no longer be available for register.
- When can I start using Dengue Flex? The health voucher will be activated 10 calendar days from registration. >span class=”TextRun SCXW210210897 BCX0″ lang=”EN-US” xml:lang=”EN-US” data-contrast=”none”> 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 IHC-accredited hospital and proceed to ER. Present your IHC e-voucher and a government-issued ID. If your case is coverable, your hospitalization will be covered by your e-voucher up to the benefit limit indicated. Services that are not covered by the e-voucher can be settled directly with the hospital.
- 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
- 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
- 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
Total ProtectER is a total protection package composed of a term insurance product with a daily hospital income benefit for a six-month coverage; and a one-time use health care voucher that provides up to Php100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.
With this plan, the member gets the following benefits:
Php 500,000 life insurance coverage. This benefit is given to the beneficiary upon Insured’s death due to natural or accidental causes (including COVID-19) within the six-month coverage period.
Notice and Proof of Death. The Company will pay the designated beneficiary the corresponding Amount of Insurance upon receipt and approval by the Company of due proof/s that the Insured Individual died while insured under this contract and in accordance with its terms.
Beneficiary. The beneficiary designated by the Insured Individual in his application shall receive the death benefit provided that the beneficiary is living at the time of death of the insured individual.
If no qualified beneficiary is designated by the Insured Individual or if no qualified beneficiary survives the insured individual, the following classes of beneficiaries, in this order of preference, shall be deemed named by the insured individual as his contingent beneficiary or beneficiaries: (1) surviving legitimate spouse (2) surviving legitimate, legitimated, and legally adopted children (3) surviving illegitimate children (4) surviving parents (5) surviving siblings of the full blood (6) surviving siblings of the half-blood (7) executors or administrators.
If there be two or more beneficiaries in the same class entitled to the proceeds of the insurance, they shall share equally. Any minor’s share shall be paid to him in the manner provided for by law.
Suicide. The Company shall be liable in case of suicide committed in the state of insanity. If suicide is not compensable, the Company would refund the premium paid for the individual.
Total ProtectER is valid for 1 year or up until used, whichever comes first. It can be used in more than 500 IHC-accredited hospitals in the Philippines, excluding the Top 6 hospitals in Metro Manila namely Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC), The Medical City. Option is given to inlcude access to Top 6 hospitals, by paying additional fee.
Php 3,000 daily hospital income benefit. This benefit is given if hospital confinement is due to accidental injury or sickness (including COVID-19), within the six-month coverage period. Insured can reimburse Php3,000 hospital income benefit per day, as long as hospital confinement is at least 4 days, maximum of 90 days.
If an injury or sickness results in the hospital confinement of the Insured Individual, the Company will pay the Hospital Income Benefit in the form of a daily hospital allowance upon receipt of satisfactory proof of the hospital confinement of the Insured Individual. The daily hospital allowance of Php3,000 will be paid during the continuance of the Insured Individual’s hospital confinement subject to a maximum period of 90 days for the six-month coverage and to an elimination period of 3 days.
There shall be a maximum of 15 days per hospital confinement.
For related confinements, a gap of not more than 90 days between such confinements is considered as one (1) confinement. For example: gap between a) discharge from confinement 1 and b) admission for confinement 2 is 30 days. Since 30 days is less than 90 days, this is considered as one confinement only.
Pre-existing conditions and limitations shall apply.
Pre-Existing Conditions and Limitations. During the waiting period of two months within the Insured Individual’s coverage, no benefit shall be provided for hospital confinement resulting directly or indirectly from injury sustained or a sickness or condition which was evident or for which the Insured Individual received medical advice or treatment within six (6) months prior to the effective date of this Rider.
Total ProtectER
- 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
- 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
- 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 IHC-accredited hospital and proceed to ER. Present your IHC e-voucher and a government-issued ID. If your case is coverable, your hospitalization will be covered by your e-voucher up to the benefit limit indicated. Services that are not covered by the e-voucher can be settled directly with the hospital.
- 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
- 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? 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 conditions are not covered by Total ProtectER?Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.An illness or condition is considered pre-existing if, prior to effective date of coverage: (a) Any professional advice or treatment was given for such illness or condition; (b) Such illness or condition was in any way already known to the Member; or (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of). Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.For more information, see “General Exclusions”.