General FAQs
What happens if I fail to make the modal premium payments on time?
If you miss paying membership fees with dues that fall on a monthly, quarterly or semi-annual mode, you are given a 31-day extension period to pay in order to keep your health care plan active. You may avail of the benefits under the Health Care Agreement during the extension period only if you pay the membership fees due for the whole period prior to the availment of such benefits. Non-payment of membership fees 31 days from the due date will automatically void your Health Care Agreement.
I am entitled to a private room accommodation. May I be admitted to the most expensive private room in an accredited / preferred hospital offering different private room categories?
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.
Is my InLife Health Care membership activated after paying my membership fee and submitting my application?
InLife Health Care reserves the absolute right to approve or disapprove any application for membership or renewal thereof. In effect, your payment is considered a deposit subject to InLife Health Care’s final action on your application or membership renewal. Whichever is applicable, each application or membership renewal is evaluated based on the current health care costs. Your medical compliance with underwriting requirements among others, This is done on a yearly basis considering the 12-month effectively of our health care agreements. In case an application or a membership renewal is disapproved due to adverse medical conditions, an applicant or Member may still avail of the InLife Health Care program by executing a waiver relinquishing or limiting coverage for the identified adverse conditions.
When can I use a non-preferred hospital belonging to the InLife Health Care network of accredited hospitals?
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 Insular Health Care, reimbursement of expenses incurred will be governed by the Emergency Care Provision of the Agreement.
Will InLife Health Care allow me to use my non-accredited personal doctor considering that my physician already knows my medical history?
No, care by a non-accredited physician is not entitled to health care benefits as stipulated in the Agreement. Nonetheless, InLife Health Care will facilitate continuity of care through its line-up of qualified specialists.
EntrePinay Health Care Plan
How to process claim reimbursement for childbirth delivery or miscarriage benefit in InLife EntrePinay health care plan?
As an InLife Health Care member under the InLife EntrePinay program, you are entitled to enjoy benefits that are specifically-designed with women in mind. Pregnancy is a gift, and it must be welcomed with a celebration and the peace of mind that you are not alone in the process. It takes a village, is what they say. InLife EntrePinay members can take delight from the Maternity benefits included in the program.
Here’s how to file reimbursement for childbirth delivery and miscarriage benefit:
Please note that claim for reimbursement must be filed & received by InLife HealthCare, Inc. within 60 days from the date of availment (Out-Patient) and discharge (In-Patient).
1. Complete and sign the claim reimbursement form (https://www.insularhealthcare.com.ph/onlineservices/) and prepare the following original requirements:
- Medical Certificate from the attending physician
- Clinical Abstract/Clinical History
- Official Receipts of payments to physician and/or hospital
- Statement of Account
- Charge Slips with breakdown of charges
- Operative Record/Surgical Procedure including histopathological report when applicable
- You can request claims reimbursement via InLife Health mobile app and send the physical signed copy of the claim reimbursement form and required documents to Claims department of InLife Health Care.
2. Our Claims Department will confirm receipt. Processing period is thirty (30) days from date receipt of said claim and all necessary documents required. In case an additional requirement is needed, the 30-day period will be reckoned against the date when said additional requirement is submitted.
3. Once claim is approved, InLife Health Care will prepare check and cover letter indicating summary of approved reimbursement amount.
4. InLife Health Care will send the check based on instruction of member either pick-up, mail, or deposit the check
What are examples of viral and bacterial illnesses covered by InLife EntrePinay health care plan?
InLife EntrePinay health care plan 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
What are the special modalities of treatment included in InLife EntrePinay health care plan?
Special modalities are sub-limits on specific services relating to specific tests and procedures. Here are special modalities as medically needed subject to Php 5,000 sublimit which are applicable to InLife EntrePinay health care plan.
- Laparoscopic procedures
- Magnetic Resonance Angiography (MRA)
- Magnetic Resonance Imaging (MRI)
- Computerized Tomography (CT) Scans
- Endoscopic Procedures (Therapeutic)
- Pain Management
- Arthroscopic Procedures, Orthopedic Arthroscopy
Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts.
How do I claim life insurance benefit in InLife EntrePinay health care plan?
Steps of availing Life Insurance Benefit As women, we put huge importance on the welfare of our loved ones. We take care of ourselves, so we can take better care of the people around us. As an InLife EntrePinay member, we take a step further in securing the future of our beloveds. Below are the steps of how to claim your Life Insurance Benefits
- Member should complete original requirements as listed below:
- a. For Death claim
- Claimant’s Statement form (notarized)
- Attending Physician Statement (notarized)
- Death Certificate (PSA Authenticated Copy/Certified True Copy)
- Birth Certificate of the insured (PSA Authenticated Copy/Certified True Copy)
- Proof of relationship (of claimant to insured) documents such as marriage certificate, birth certificate, etc. (PSA Authenticated Copy /Certified True Copy)
- Medical Records/Medical Abstract/Medical Certificate, if any (Certified True Copy)
- For Dismemberment claim
- Claimant’s Statement form (notarized)
- Physician’s Statement – Disability Claim form (notarized)
- Birth Certificate of the insured (PSA Authenticated Copy/Certified True Copy)
- Medical Records/Medical Abstract/Medical Certificate, if any (Certified True Copy)
- a. For Death claim
Please note that any photocopied/faxed/emailed documents shall not be accommodated
- You can send physical signed copy of the notarized claimant statement form and required documents to Benefit Plan Administration (BPA) department of InLife Health Care.
- Our Benefit Plan Administration (BPA) department will confirm receipt. Processing period is thirty (30) days from date receipt of all necessary documents required. In case an additional requirement is needed, the 30-day period will be reckoned against the date when said additional requirement is submitted.
- InLife Health Care will inform member once claim is approved and instruct him/her to go to IHC head office or satellite office to sign a quitclaim form and pick-up the check.
ER Care Plans
ER Care Basic 50
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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
11. 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.
12. 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.
13. 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 Care Booster 60
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
10. 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
11. 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.
12. 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.
13. 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”.
ER Care Booster 80
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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 IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
10. 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
11. 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.
12. Can I use ER Care Booster 80 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.
13. 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 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 Care Booster 100
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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 IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
10. 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
11. 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.
12. Can I use ER Care Booster 100 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.
13. 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 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 Care All-In 100 Adults
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, needing suturing, sports injuries, contact and noncontact sports (except 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.
3. 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 https://services.insularhealthcare.com.ph
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. What are the special modalities covered by ER Care All 100 Adults?
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures
● Magnetic Resonance Angiography
● Magnetic Resonance Imaging (MRI)
● Computerized Tomography (CT) Scans
● Endoscopic Procedures (Therapeutic)
● Pain Management
● Arthroscopic Procedures, Orthopedic Arthroscopy
● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
9. 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.
10. 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.
11. 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
12. 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.
13. 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.
14. 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”.
ER Care All-In 60 Kids
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, needing suturing, sports injuries, contact and noncontact sports (except 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. What are the special modalities covered by ER Care All 60 Kids?
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures
● Magnetic Resonance Angiography
● Magnetic Resonance Imaging (MRI)
● Computerized Tomography (CT) Scans
● Endoscopic Procedures (Therapeutic)
● Pain Management
● Arthroscopic Procedures, Orthopedic Arthroscopy
● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
9. 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.
10. 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 IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
11. 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
12. 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.
13. 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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
14. 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 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 Care All-In 80 Kids
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, needing suturing, sports injuries, contact and noncontact sports (except 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. What are the special modalities covered by ER Care All 80 Kids?
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures
● Magnetic Resonance Angiography
● Magnetic Resonance Imaging (MRI)
● Computerized Tomography (CT) Scans
● Endoscopic Procedures (Therapeutic)
● Pain Management
● Arthroscopic Procedures, Orthopedic Arthroscopy
● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
9. 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.
10. 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 IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
11. 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
12. 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.
13. 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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
14. 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 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 Care All-In 100 Kids
1. 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.
2. 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), new fractures, new burns, new animal bites, including first dose of vaccines, new cuts, needing suturing, sports injuries, contact and noncontact sports (except 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.
3. 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 https://services.insularhealthcare.com.ph/
4. 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 which ever 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, 2018 to August 11, 2019 or up until used which ever comes first.
5. 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.
6. 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.
7. 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.
8. What are the special modalities covered by ER Care All 100 Adults?
Special Modalities as medically needed subject to Php 5,000 sublimit:
● Laparoscopic procedures
● Magnetic Resonance Angiography
● Magnetic Resonance Imaging (MRI)
● Computerized Tomography (CT) Scans
● Endoscopic Procedures (Therapeutic)
● Pain Management
● Arthroscopic Procedures, Orthopedic Arthroscopy
● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts
9. 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.
10. 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 IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.
11. 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
12. Can 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.
13. 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 IHC-accredited hospitals and clinics. Check Our Partners to see the list of IHC-accredited hospitals.
14. 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 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”.
MedConsult
MedConsult Adults
1. 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.
2. 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 https://services.insularhealthcare.com.ph.
3. Can I use it when I am hospitalized?
No. The consultation health voucher is only for an outpatient consultation.
4. Is it transferable?
The MedConsult Adults health voucher is not transferable once successfully registered. The registered name will be the recognized IHC Member.
5. 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.
6. 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.
7. 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 via SMS to 21585760 (GLOBE/TM) or 225655760 (SMART/TNT) with the following details: IHC membership ID and full name. A medical professional will reach out to you through a call for the consultation
8. How do I get an LOA?
Here are the steps to get an LOA for face-to-face medical consultations:
Step 1: Select doctor from here. Call doctor’s clinic to confirm schedule and availability.
Step 2: Call IHC Customer Service and request for LOA. (LOA will be sent thru email.
Step 3: Print LOA.
Step 4: Present LOA to doctor (Note: LOA is valid for 3 days from date of issuance).
9. 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.
10. 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.
11. 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.
12. 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
13. What is the procedure I need to follow for dental consultations?
Here are the steps to avail of dental services:
Step 1: Search list of dentists here, select a dentist of your choice and set an appointment before going to the clinic premises.
Please inform the dentist that you are under Reliant formerly Filipino Doctors. You may call the following numbers for assistance:.
● Landline : (02)79463418/93457595/79686449
● Mobile nos.: GLOBE 09171489890/ SMART 09399223580/ SUN 09257286830
Step 2: Upon confirmation of appointment, go to clinic where you will avail of services and present your voucher with valid ID.
For further queries, you may also send an email to fildoc01@yahoo.com or mic@insularhealthcare.com.ph. Please be reminded that the status of accreditation of dentists may change from time to time due to terms and conditions in the Agreement.
14. 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.
15. 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.
16. 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 Kids
1. 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 IHC’s nationwide network of accredited medical specialists and dentists.
2. 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 https://services.insularhealthcare.com.ph.
3. Can I use it when I am hospitalized?
No. The consultation health voucher is only for an outpatient consultation.
4. Is it transferable?
The MedConsult Kids health voucher is not transferable once successfully registered. The registered name will be the recognized IHC Member.
5. 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.
6. 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.
7. 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 via SMS to 21585760 (GLOBE/TM) or 225655760 (SMART/TNT) with the following details: IHC membership ID and full name. A medical professional will reach out to you through a call for the consultation
8. How do I get an LOA?
Here are the steps to get an LOA for face-to-face medical consultations:
Step 1: Select doctor from here. Call doctor’s clinic to confirm schedule and availability.
Step 2: Call IHC Customer Service and request for LOA. (LOA will be sent thru email.
Step 3: Print LOA.
Step 4: Present LOA to doctor (Note: LOA is valid for 3 days from date of issuance).
9. 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.
10. 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.
11. 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.
12. Can I avail of any consultation service?
You can avail of consultation services with IHC-accredited pediatricians. You can find the list of IHC-accredited pediatricians here
13. What is the procedure I need to follow for dental consultations?
Here are the steps to avail of dental services:
Step 1: Search list of dentists here, select a dentist of your choice and set an appointment before going to the clinic premises.
Please inform the dentist that you are under Reliant formerly Filipino Doctors. You may call the following numbers for assistance:.
● Landline : (02)79463418/93457595/79686449
● Mobile nos.: GLOBE 09171489890/ SMART 09399223580/ SUN 09257286830
Step 2: Upon confirmation of appointment, go to clinic where you will avail of services and present your voucher with valid ID.
For further queries, you may also send an email to fildoc01@yahoo.com or mic@insularhealthcare.com.ph. Please be reminded that the status of accreditation of dentists may change from time to time due to terms and conditions in the Agreement.
14. 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.
15. 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.
16. 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 Seniors
1. 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 IHC’s nationwide network of accredited medical specialists and dentists.
2. 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 https://services.insularhealthcare.com.ph/.
3. Can I use it when I am hospitalized?
No. The consultation health voucher is only for an outpatient consultation.
4. Is it transferable?
The MedConsult Seniors health voucher is not transferable once successfully registered. The registered name will be the recognized IHC Member.
5. 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.
6. 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.
7. 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 via SMS to 21585760 (GLOBE/TM) or 225655760 (SMART/TNT) with the following details: IHC membership ID and full name. A medical professional will reach out to you through a call for the consultation
8. How do I get an LOA?
Here are the steps to get an LOA for face-to-face medical consultations:
Step 1: Select doctor from here. Call doctor’s clinic to confirm schedule and availability.
Step 2: Call IHC Customer Service and request for LOA. (LOA will be sent thru email.
Step 3: Print LOA.
Step 4: Present LOA to doctor (Note: LOA is valid for 3 days from date of issuance).
9. 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.
10. 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 IHC allows you to have the consultation service.
11. 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.
12. 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, ENT specialists, geriatricians, and rehabilitation medicine specialists. You can find the list of IHC-accredited specialists here
13. What is the procedure I need to follow for dental consultations?
Here are the steps to avail of dental services:
Step 1: Search list of dentists here, select a dentist of your choice and set an appointment before going to the clinic premises.
Please inform the dentist that you are under Reliant formerly Filipino Doctors. You may call the following numbers for assistance:.
● Landline : (02)79463418/93457595/79686449
● Mobile nos.: 09171489890/ SMART 09399223580/ SUN 09257286830
Step 2: Upon confirmation of appointment, go to clinic where you will avail of services and present your voucher with valid ID.
For further queries, you may also send an email to fildoc01@yahoo.com or mic@insularhealthcare.com.ph. Please be reminded that the status of accreditation of dentists may change from time to time due to terms and conditions in the Agreement.
14. 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.
15. 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.
16. 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