We are committed to providing our members with exceptional healthcare through a vast network of iCare accredited health partners across the Philippines. With more than 2,000 hospitals and clinics nationwide and more than 50,000 accredited doctors and medical practitioners, we ensure that quality healthcare is always accessible, no matter where you are. This extensive network allows members to choose their preferred healthcare providers, giving them the freedom and flexibility to receive the care they need when they need it.
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. Meanwhile, 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.
You may use an accredited, non-preferred hospital only for genuine emergencies (as defined in the Agreement). For unanticipated life-threatening situations, a member may use any hospital nearest him. If the hospital is accredited, we will afford you full coverage according to your benefits classification. If the hospital is not accredited with iCare, reimbursement of expenses incurred will be governed by the Emergency Care Provision of the Agreement.
This is allowed when the most expensive private room is the only available accommodation among the different private room categories offered by the accredited/preferred hospital. The “stepladder” rule serves as our guide. The cheapest available private room as categorized by the hospital must be occupied by a member requiring admission. Any upgrading to a more expensive private room when a cheaper one is available shall entail corresponding charges, which shall be imposed on the member.
No, care by a non-accredited physician is not entitled to health care benefits as stipulated in the Agreement. Nonetheless, iCare will facilitate continuity of care through its line-up of qualified specialists.