iCare Persona
….for self employed, freelancers & individual
Our HMO for individuals in the Philippines is tailored to fit different lifestyles and budgets, giving you the peace of mind that comes with knowing you’re protected no matter what life brings your way.
Out-Patient Benefits
This includes annual physical examination, preventive health care such as immunization and consultation and advice on diet, exercise and other healthful habits, and other out-patient services like first-aid treatment and laboratory diagnostic procedures.
In-Patient Benefits
This includes room and board, services of all accredited specialists, general nursing services, and other hospital charges deemed necessary by an iCare accredited physician.
Emergency Care Benefits
There will be no charge on emergency care services administered in any iCare accredited hospital/clinic for genuine emergency cases.
Life Insurance Benefit
- Minimum of Php 10,000 in coverage
- Maximum of Php 50,000 in coverage
In accordance with Insular Life Group Term Policy No. G – 014175 dated 15 January 1999 and all of its succeeding endorsements, any individual with adverse medical findings shall automatically be covered for one-half (1/2) of coverage of a standard risk for deaths due to natural causes and one hundred percent (100%) of coverage for deaths due to accident.
Optional Dental Benefit
- Any number of consultations on dental problems including but not limited to lesions, wounds, burns, and gum problems (during clinic hours and by appointment)
- Annual Oral Prophylaxis (mild to moderate cases)
- Unlimited simple tooth extractions, except surgery for impaction or extraction of impacted tooth or complicated extractions involving the use of other dental instruments aside from pliers and/or the re-administration of anaesthesia
- Unlimited temporary fillings
- Unlimited re-cementation of fixed bridges, jacket crowns, inlays and onlays (limited to 4 abutments)
- Dental education and counseling during consultations
- Simple adjustments of denture clasps
- Any number of consultations/dental examinations including treatment of lesions, wounds, burns, gum and other dental problems except diagnostics, prescribed medicines, surgeries and “root canal” procedures
- No limit as to the number of abutments covered (on item 5 above)
- Orthodontic consultations
- Aesthetic dental consultations
- Emergency desensitization of hypersensitive teeth
- Option to choose between three (3) surfaces of amalgam fillings or two (2) lightcure filling
Freedom to choose hospital access
Nationwide Access with access to Top 6 Hospitals
Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC) and The Medical City
Nationwide Access without access to Top 6
Luzon Access only (excluding NCR)
VisMin Access only
| Room/Plan | MBL |
| Suite | Php 150,000.00 |
| Private | Php 120,000.00 |
| Semi-Private | Php 100,000.00 |
| Ward | Php 75,000.00 |