Product Frequently Asked Questions (FAQs) - iCare Top Affordable HMO Philippines

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.0.47″][et_pb_row admin_label=”row” _builder_version=”3.0.48″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on”][et_pb_text admin_label=”Text” _builder_version=”3.0.74″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] [learn_more caption=”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)
● 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.

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 icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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”. [/learn_more]

[learn_more caption=”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.

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.

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 icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”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.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care Booster 80 covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fractures, new
● Burns, new
● New animal bites, including first dose of vaccines
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports (except professional sports and high-risk sports)
● Accidental chemical poisoning

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

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 icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”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.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care Booster 100 covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fractures, new
● Burns, new
● New animal bites, including first dose of vaccines
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports (except professional sports and high-risk sports)
● Accidental chemical poisoning

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

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 icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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 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.

11. 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.

12. 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).

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”ER Care All-In 80 Adults”] 1. What does ER Care All-In 80 Adults cover?
With a Php 80,000 benefit limit, ER Care All-In 80 Adults covers emergency cases due to accidents and viral and bacterial illnesses. It covers expenses on outpatient and inpatient emergency care, room and board, diagnostic procedures as medically necessary during confinement, medicines as medically necessary during confinement, use of operating room, recovery room, and ICU diagnostic procedures, as medically necessary.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care All-In 80 Adults covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fracture, new
● Burns, new
● New animal bites, including first dose of vaccines
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
● Accidental chemical poisoning

ER Care All-In 80 Adults covers diseases that include, but are not limited to:
● Acute Bronchitis
● Acute gastroenteritis with dehydration
● Acute tonsillopharyngitis with moderate dehydration
● Acute Sinusitis
● Acute tonsillopharyngitis
● Acute Upper Respiratory Tract Infection
● Amoebiasis
● Cellulitis
● Dengue Fever
● Acute Pneumonia
● Typhoid Fever
● Urinary Tract Infection
● SVI (systemic viral infection) with fever
● Measles with high-grade fever
● Chicken pox with complications
● Leptospirosis
● Polio
● Cholera
● Diphtheria
● Pertussis
● Tetanus
● Rabies
● Meningitis
● Chikungunya
● Malaria
● Anaphylactic Shock
● Acute Appendicitis
● Acute Gastritis

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

3. Who is qualified for ER Care All-In 80 Adults?
Adults, 18 to 64 years old, can get ER Care All-In 80 Adults and register as a Member. Upon purchase, you can register online at icare.com.ph/registerproduct

4. When can I start using ER Care All-In 80 Adults?
From the day you register (“registration date”), the health voucher will be activated after ten (10) calendar days. Your health voucher is valid for 12 months or up until used.

Example: Registration date is Day 0. If you register on August 1, your health voucher will be activated on August 12. It will then be valid from August 12, 2018 to August 11, 2019 or up until used.

5. How many times can I register ER Care All-In 80 Adults in my name?
If you have already used your ER Care All-In 80 Adults health voucher, you can get another ER Care All-In 80 Adults to be covered again. Note that a person can only be covered by one (1) product offering emergency care benefits at any point in time.

6. If the benefit limit is not be wholly consumed, can I use the health voucher again in the future?
ER Care All-In 80 Adults is for one-time use only, regardless if the total annual benefit limit is consumed or not. The advantage of this health voucher is its high benefit limit, affordability, and convenient registration process. It assures you of assistance for most or all expenses you incur for outpatient emergency care, and allows you to avail and register another one to renew your coverage.

7. Is PhilHealth coverage needed to use ER Care All-In 80 Adults?
Yes. Once there is an admission, PhilHealth coverage is required since it also covers inpatient care. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.

8. If I already have an existing Insular Health Care plan with emergency care benefits, can I still register for ER Care All-In 80 Adults?
No. You cannot register for ER Care All-In 80 Adults if you are already enrolled in IHC’s other health care programs with emergency care coverage, even if your total benefit limit has already been consumed.

9. Can I register an ER Care All-In 80 Adults health voucher for someone else?
Yes, as long as you know the personal data of the individual and obtained his/her authorization to be registered. We have ER Care prepaid health vouchers that can be given as gifts to your loved ones. The data required for registration are as follows:
a. Full name
b. Birth date
c. Home address
d. Email address
e. Mobile number

10. Can I transfer ER Care All-In 80 Adults to another person?
ER Care All-In 80 Adults is transferable as long as it has not yet been registered. This also lets you purchase the health vouchers as gifts.

11. Can I use ER Care All-In 80 Adults in hospitals not on the health voucher’s provider list?
No. Services can only be availed in IHC-accredited hospitals and clinics.
Check Our Partners to see the list of IHC-accredited hospitals.

12. What conditions are not covered by ER Care All-In 80 Adults?
Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by this product.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=” ER Care All-In 100 Adults cover”] 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.

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.

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 icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”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.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care All-In 60 Kids covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fracture, new
● Burns, new
● New animal bites, including first dose of vaccines up to a maximum of Php20,000
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
● Accidental chemical poisoning

ER Care All-In 60 Kids covers diseases that include, but are not limited to:
● Acute Bronchitis
● Acute gastroenteritis with dehydration
● Acute tonsillopharyngitis with moderate dehydration
● Acute Sinusitis
● Acute tonsillopharyngitis
● Acute Upper Respiratory Tract Infection
● Amoebiasis
● Cellulitis
● Dengue Fever
● Acute Pneumonia
● Typhoid Fever
● Urinary Tract Infection
● SVI (systemic viral infection) with fever
● Measles with high-grade fever
● Chicken pox with complications
● Leptospirosis
● Polio
● Cholera
● Diphtheria
● Pertussis
● Tetanus
● Rabies
● Meningitis
● Chikungunya
● Malaria
● Anaphylactic Shock
● Acute Appendicitis
● Acute Gastritis

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

3. Who is qualified for ER Care All-In 60 Kids?
Children, six (6) months to 17 years old, can get ER Care All-In 60 Kids and register as a Member. Upon purchase, you can register online at icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”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.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care All-In 80 Kids covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fracture, new
● Burns, new
● New animal bites, including first dose of vaccines
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
● Accidental chemical poisoning

ER Care All-In 80 Kids covers diseases that include, but are not limited to:
● Acute Bronchitis
● Acute gastroenteritis with dehydration
● Acute tonsillopharyngitis with moderate dehydration
● Acute Sinusitis
● Acute tonsillopharyngitis
● Acute Upper Respiratory Tract Infection
● Amoebiasis
● Cellulitis
● Dengue Fever
● Acute Pneumonia
● Typhoid Fever
● Urinary Tract Infection
● SVI (systemic viral infection) with fever
● Measles with high-grade fever
● Chicken pox with complications
● Leptospirosis
● Polio
● Cholera
● Diphtheria
● Pertussis
● Tetanus
● Rabies
● Meningitis
● Chikungunya
● Malaria
● Anaphylactic Shock
● Acute Appendicitis
● Acute Gastritis

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

3. Who is qualified for ER Care All-In 80 Kids?
Children, six (6) months to 17 years old, can get ER Care All-In 80 Kids and register as a Member. Upon purchase, you can register online at icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”ER Care All-In 100″] 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.

Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members’ control causing damage to the health of the Member.

ER Care All-In 100 Kids covers accidents that include, but are not limited to:
● Accidents, excluding Cerebrovascular (Stroke)
● Fracture, new
● Burns, new
● New animal bites, including first dose of vaccines
● Cuts, new, needing suturing
● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
● Accidental chemical poisoning

ER Care All-In 100 Kids covers diseases that include, but are not limited to:
● Acute Bronchitis
● Acute gastroenteritis with dehydration
● Acute tonsillopharyngitis with moderate dehydration
● Acute Sinusitis
● Acute tonsillopharyngitis
● Acute Upper Respiratory Tract Infection
● Amoebiasis
● Cellulitis
● Dengue Fever
● Acute Pneumonia
● Typhoid Fever
● Urinary Tract Infection
● SVI (systemic viral infection) with fever
● Measles with high-grade fever
● Chicken pox with complications
● Leptospirosis
● Polio
● Cholera
● Diphtheria
● Pertussis
● Tetanus
● Rabies
● Meningitis
● Chikungunya
● Malaria
● Anaphylactic Shock
● Acute Appendicitis
● Acute Gastritis

A Member’s eligibility to emergency care benefits under the Agreement shall be based on the final medical diagnosis.

3. Who is qualified for ER Care All-In 100 Kids?
Children, six (6) months to 17 years old, can get ER Care All-In 100 Kids and register as a Member. Upon purchase, you can register online at icare.com.ph/registerproduct

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.

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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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

10. 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.

11. 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.

12. 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.

For more information, see “General Exclusions”. [/learn_more]

[learn_more caption=”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 icare.com.ph/registerproduct.

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 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.

6. 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

7. 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.

8. 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.

9. 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.

10. 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.

11. 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

12. 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.

13. 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.

14. 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.

15. 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
[/learn_more]

[learn_more caption=”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 icare.com.ph/registerproduct.

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.

11. 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

[learn_more caption=”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, 18 to 64 years old, can get MedConsult Seniors and register as a Member. Once purchased, registration must be done online at icare.com.ph/registerproduct.

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.

9. 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. 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

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iCare (Insular Health Care, Inc.)

Health Plans

Support Center

Contact Us

2F Insular Health Care Building, 167 Legazpi St. Makati City, Metro Manila, Philippines

1 800 10 8177857 Toll-Free