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INHEALTH BIZ

Comprehensive health coverage for
micro and small enterprises

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Big benefits for your
small business

InHealth Biz is a comprehensive yet affordable health program made specifically for micro and small enterprises with 5 to 99 employees.

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Flexible options with

competitive premium rates

Have the freedom to choose quality health benefits that best fit your business. InHealth Biz gives you the option to tailor your health plan, from choosing your benefit limit, to picking your hospital provider access.

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Option 1

Access to all IHC-accredited facilities nationwide, except Healthway and Fortmed

Option 2

All to all IHC-accredited facilities, except Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC) and The Medical City, Fortmed and Healthway Clinics

Option 3

All IHC-accredited facilities in the Visayas and Mindanao area, except Healthway Clinics

Option 4

All IHC-accredited facilities in Luzon outside NCR, except Healthway Clinics

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This includes annual physical examination, preventive health care such as Immunization Administration and Health Education Counseling on diet or exercise, and other out-patient services like Medical Consultation and First Aid Treatment.

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This includes services of all accredited Physicians including surgical services, room and board, general nursing service, and other services or supplies deemed medically necessary.

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Such as ambulance services, emergency care-related procedures in accredited and non-accredited hospitals, and room upgrade.

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Summary of Plan Benefits for InHealth Biz

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Age Eligibility
18 to 65 years old, as of last birthday
for 66 – 70 y.o.  principal members, x2.5 the standard rates
for 71 – 75 y.o. principal members, x3.5 the standard rates
Philhealth Amount (Non-Philhealth)
Additional P3,500 per non-Philhealth enrollees,
inclusive of VAT
Effective date proviso
Not waived.
Under the Effective Date Provision, if the enrolled person, on account of injury or illness, is not actively working in full time employment on the date his coverage would otherwise have become effective as provided above, the coverage shall not become effective until the date such person returns to full time active work.
If the enrolled dependent, on account of injury or illness, is confined in a hospital on the date his coverage would otherwise have become effective as provided above, the coverage shall not become effective until the date such dependent is discharged from the hospital.
Timeline for Deliverables (Cards, SOA & Health Care Agreement or HCA)
IHC to provide the deliverables within 10 to 15 working days from inception date; provided all
documents are submitted & complete
Payment Arrangement
15 working days from SOA receipt
Submission of Signed HCA by the client
Should submitted back to IHC within ten (10) working days from receipt of final version of the HCA.
Digital-Enabled Customer Experience
HR Portal for authorized representative. Please provide name and email address of the appointed representative. All enrolled members may download and use IHC Mobile App once activated.
Utilization Report
The provided utilization format will be in compliance to data privacy act.
Option for expanded utilization information may only be provided, once client company signs the
contract or signs the waiver to

 

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ANNUAL PHYSICAL EXAMINATION

BASIC 5 ONLY

Taking of Medical History/ Physical Examination Covered
Chest X-ray Covered
Routine Urinalysis Covered
Routine Fecalysis Covered
Complete Blood Count (CBC) Covered

PREVENTIVE HEALTH CARE

Health Education Counselling on Diet or exercise Covered
Periodic Monitoring of Health Problems Covered
Family Planning Counselling Covered
Passive and active vaccines for treatment of tetanus and animal bites-except human immunoglobulin (ER and Non-ER provided 1st treatment/dose is availed in IHC network) Covered for the 1st dose up to P20,000
Initial treatment of Animal bites Covered up to P5,000 per year, except cost of vaccines
Covid-19 Vaccines Not Covered

OUT-PATIENT CARE

Consultations during regular clinic hours, except prescribed medicines Covered
Eye, ear, nose and throat (EENT) treatment prescribed by an affiliated physician/specialist Covered
Treatment for minor injuries such as lacerations,
mild burns, sprains and the like
Covered
Dressings, conventional casts (plaster of Paris) and
Sutures.
Covered
X-Ray, laboratory examinations, routine, and diagnostic procedures prescribed by an affiliated physician/specialist, provided however that the cost of diagnostic procedures covered shall be
limited to a specific amount.
Covered
Eye laser therapy for retinal tear, retinal hole, retinal detachment and glaucoma prescribed by an affiliated physician/specialist, excluding eye
correction such as Lasik, PRK and the like
Subject to PEC limit
Blood products transfusions and intravenous fluids, including blood screening and cross matching. Covered
(blood screening of donor’s blood is excluded)

TELEMEDICINE CONSULTATIONS

Covered

Laboratory, X-ray and other diagnostic examinations prescribed by physician on duty are covered up to applicable MBL

ROUTINE PROCEDURES

Blood Chemistries Covered
Chest X-ray Covered
Complete Blood Count Covered
Fecalysis Covered
Urinalysis Covered

DIAGNOSTIC PROCEDURES

24 Hour EEG Monitoring Covered, if medically necessary
Esophageal Manometry Covered, if medically necessary
Positron Emission Tomography (PET scan) Covered, if medically necessary
Throat Swab Covered, if medically necessary
24-hour Holter Monitoring/ Ambulatory Cardiac Monitoring Covered, if medically necessary
Adrenocortical Function Covered, if medically necessary
Anti-Nuclear Antibody, C-Reactive Protein, Lupus Cell Exam Covered, if medically necessary
Arterial Blood Gas Covered, if medically necessary
Audiograms and Tympanograms Covered, if medically necessary
Bone Density Test (Dex Scan / Bone Mineral Density Studies) without nuclear or radio isotope Covered, if medically necessary
Computed Tomography Scans (CT Scan) Covered, if medically necessary

Diagnostic Radiographs:

a. Biliary tract: Cholecystogram and Cholangiogram Covered, if medically necessary
b. Chest, ribs, sternum and clavicle Covered, if medically necessary
c. Digestive: Plain film of the abdomen, Barium Enema, Upper GI Series, Lower GI Series, Small
Bowel series
Covered, if medically necessary
d. Face (including sinuses), Head and Neck Covered, if medically necessary
e. Urinary: KUB, Pyelograms and Cystograms Covered, if medically necessary
f. X-ray of the extremities and pelvis Covered, if medically necessary
g. X-ray of the spine (cervial, thoracic, lumbo-scaral) Covered, if medically necessary

Diagnostic Ultrasounds:

a. 2D-Echo with Doppler Covered, if medically necessary
b. Abdomen Covered, if medically necessary
c. Duplex Scan Covered, if medically necessary
d. Digestive and Urinary Systems Covered, if medically necessary
e. Ultrasoundof the Lungs and Chest inclduing the Thryroid Covered, if medically necessary
f. 4D Ultrasound except for maternity-related cases Covered, if medically necessary
Electroencephalogram Covered, if medically necessary
Electromyelography and Nerve Conduction Studies Covered, if medically necessary
Endoscopic Procedures (including video gastroscopy & colonoscopy) Covered, if medically necessary
Impedance Plethysmography Covered, if medically necessary
Lead Electrocardiogram Covered, if medically necessary
Mammography and Sonomammogram Covered, if medically necessary
Myelogram Covered, if medically necessary
Pap`s Smear Covered, if medically necessary
Perfusion Scan Covered, if medically necessary
Plasma/Urinary Cortisol, Plasma Aldosterone Covered, if medically necessary
Pulmonary Function Tests / Lung Function Studies Covered, if medically necessary
Radionuclide Ventriculography Covered, if medically necessary
Surface Electromyography (SEMG) Covered, if medically necessary
TMST-Treadmill Stress Test (except Nuclear TMST) Covered, if medically necessary
Genetic/Immunologic Studies Covered, if medically necessary
Stress Testing (all types except Cardiac and Treadmill Stress Tests) Covered, if medically necessary
Electrophoresis Covered, if medically necessary
Inhalation therapy Covered, if medically necessary
Laryngeal Stroboscopy Covered, if medically necessary
Arthroscopic diagnostic procedures Covered, if medically necessary
M-Mode Echocardiography Covered, if medically necessary
Brain Stem Auditory Evoked Response Covered, if medically necessary
HEPATITIS PROFILE – e.g. HBeAg, HBS Ag, Anti HBc
(lgM), Anti-HAV (lgM)
Covered, if medically necessary
ANA Profile e.g. Anti-Nuclear-Antibody, Anti
Native- DNA, Anti-SM, Anti-SSA, Beta HCG, ANA
Covered, if medically necessary
Thyroid Profile e.g. T3, T4, TSH, FTA-ABS Covered, if medically necessary
TORCH Profile e.g. Anti-Toxoplasma Gondii (lgM), Anti-Rubella, Anti-Cytomegalo – Virus (Total lg) Covered, if medically necessary
SLE test, FAT Widal Test, ASO Titer, Serum lg-Ci,
Alpha-Feto Protein, ESR
Covered, if medically necessary
Urine/Blood culture and sensitivity test Covered, if medically necessary
24-hour protein determination Covered, if medically necessary
Troponin Covered, if medically necessary
Glycosylated Hemoglobin Covered, if medically necessary
Prostate Specific Antigen (PSA) Covered, if medically necessary
APAS Testing (AntiPhospholipid Antibody Syndrome) Covered, if medically necessary
Microscopic Examination Covered, if medically necessary
Allergy Testing / Desentization (cost of allergens NOT covered) Covered, except cost of allergens

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IN-PATIENT SERVICES

Room and Board according to the Member’s Room & Board Accommodation under which the Member is enrolled Covered
Use of operating room, Intensive Care Unit (ICU), isolation room (if prescribed by attending Physician) and recovery room Covered
Professional fees in accordnace with IHC Schedule of Rates Covered
a. Attending Physicians
b. Surgeons
c. Anesthesiologists
d. Cardio-pulmonary clearance before surgery and
cardiac monitoring during surgery.
Standard Nursing Services Covered
Medicines for in-patient use Covered
Blood products transfusions and intravenous fluids,
including blood screening and cross matching.
Covered
Laboratory examinations, disgnostic tests and therapeutic procedures incidental to confinement Covered
Dressings, conventional casts and sutures Covered
Anesthesia and its administration Covered
Oxygen and its administration Covered
Standard Admission kit Covered
All other items directly related in the medical managemnet of the patient, as deemed medically necessary by the attending affiliated physician Covered
Assistance in administrative requirements through a Medical Liaison Officer Covered

 

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EMERGENCY CARE

In Affiliated Hospitals
a. Doctor’s services Covered up to MBL
b. Emergency Room Fees
c. Medicines used for immediate relief during treatment
d. Oxygen, Intravenous fluids and blood products.
e. Dressings, conventional casts (plaster of Paris) and sutures.
f. Laboratory and diagnostic examinations and other medical services related to the emergency treatment of the patient
g. Room Upgrade (Emergency Case) – Except Suite Room Accommodation Member shall shoulder excess charges and incremental cost
In Non-affiliated Hospitals
REIMBURSEABLE up to 100% of hospital & professional fees based on IHC rates up to P30,000 per case per member
Outside the Philippines
REIMBURSEABLE up to 100% of hospital & professional fees based on IHC rates up to P30,000 per case per member
Areas w/o affiliated Hospital
REIMBURSEABLE up to 100% of hospital & professional fees based on IHC rates up to 50% of the MBL
Ambulance Service (affiliated to affiliated) Covered subject to 50% of MBL
Ambulance Service (Affiliated/Non-Affiliated to Affiliated);
if in Provincial areas – Hospital to Hospital
Reimburseable up to P2,500 per conduction

 

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Option 1

Access to all IHC-accredited facilities nationwide, except Healthway and Fortmed and American Eye,

Option 2

Access to all IHC-accredited facilities, except Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC) and The Medical City, Fortmed, Healthway Clinics and American Eye.

Option 3

All IHC-accredited facilities in the Visayas and Mindanao area, except Healthway Clinics and American Eye

Option 4

All IHC-accredited facilities in Luzon outside NCR, except Healthway Clinics and American Eye

 

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Covid-19 Cases are covered up to applicable limits per year Ward Plan             –  Up to P50,000 per year
Semi-private Plan   – Up to P75,000 per year or MBL,
which ever is less
Private Plans         – Up to P100,000 per year or MBL,
whichever is less
Covid-19 Testing Covered up to P2,500 if SYMPTOMATIC;
otherwise not covered
Motor Vehicular Accidents If in an IHC accredited provider: up to P10,000 per incident but not to exceed 50% of MBL. If in non-IHC accredited provider, 100% of hospital bills and professional fees up to P10,000 per case on reimbursement basis
Unprovoked Assault, including domestic violence, whether initiated by the Member or by a known or unknown third party

DENTAL CARE (Optional)

Reliant Health Med Alliance Corp (PACKAGE 2)
PREVENTIVE SERVICES
Unlimited Consultations Covered
Oral Hygiene Instruction Covered
Oral Prophylaxis (mild to moderate) Covered (Once per year)
Annual Dental Examination Covered
RESTORATIONS
Unlimited Temporary fillings Covered
Permanent Fillings Three (3) surfaces Amalgam OR Two (2) surfaces Light cure
Unlimited recementation of jacket crown inlays and onlays Covered
Unlimited Simple Tooth extraction except surgery  for impaction Covered
DENTURES & ORTHODONTICS
Adjustment of Dentures – limited to adjustment of clasp Covered
Orthodontic Consultation Covered
Aesthetic Dental Consultation Covered
Dental education and counselling Covered
TREATMENTS
Treatment for lesions, wounds and burns
Treatment of Dental related pain excluding cost of prescribed medicines Covered
Relief and/or prescription for acute dental pain Covered
Emergency desensitization of hypersensitive teeth Covered
Gum Treatment(except gum surgery)excluding cost of prescribed medicines. This shall include the management of other dental problems excluding surgeries. Covered

GROUP LIFE WITH ACCIDENTAL DEATH & DISABLEMENT (AD&D) BENEFITS   (Optional)

Life 10,000
AD&D Coverage
a. life 100% of amount of insurance
b. entire sight of both eyes 100% of amount of insurance
c. both hands or both feet 100% of amount of insurance
d. one hand and one foot 100% of amount of insurance
e. either hand or foot and sight of one eye 100% of amount of insurance
f. Arm at or above elbow 70% of amount of insurance
g. Leg at or above knee 60% of amount of insurance
h. One hand at or above wrist 50% of amount of insurance
i. One foot at or above the ankle 50% of amount of insurance
j. Hearing of both ears 50% of amount of insurance
k. Sight of one eye 50% of amount of insurance
l. Four fingers and thumb of one hand 50% of amount of insurance
Eligible Members 18 to 65 years old, as of last birthday
Overage principal members may be accepted subject to substandard rating of x2.5 (for ages 66 – 70)
and x3.5 (for ages 71 – 75).

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PRE-EXISTING CONDITIONS

FOR PRINCIPAL MEMBERS: Pre-existing conditions are covered up to MBL
FOR DEPENDENTS: Pre-existing conditions are covered once 75% minimum participation is met; otherwise subject to the following:
If 50% <= P < 75%; subject to 1 year contestability
If 25% <= P < 50%; subject to 1 year contestability (with adjusted rate)

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Lead Your People to Health.

Because human capital is the most crucial asset of all.

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Insular Head Office

2/F Insular Health Care Building, 167 Dela Rosa corner Legazpi Street, Legazpi Village, Makati City 1229, Metro Manila, Philippines

Contact Numbers:

For inquiries:

(632) 8-813-0131 loc 8364

For member servicing:

(632) 8-813-0131 (Press 1)

24/7 support through InLife Health Care’s Call Center (Toll Free Number 1-800-10-8177857)

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About IHC

Corporate Governance

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Health Care Solutions

Group Comprehensive

Cost Plus

InHealth Biz

Individual Comprehensive

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Our Partners

Lifestyle Services

Health Services

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Press Room

Company News

Wellness Stories

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Careers

Agent Application

Work at IHC

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