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ER CARE BASIC 50

This one-time use health voucher provides up to Php50,000 worth of coverage for emergency cases due to accidents.

Services include outpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide excluding the *Top 6 hospitals.

Price: Php 800.00

Access to Top 6 Hospitals: + Php 300

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DETAILS OF iCare* ER CARE BASIC 50

ER Care Basic 50 is a one-time use prepaid health voucher that provides up to Php 50,000 outpatient emergency care coverage on emergency cases due to accidents. It is accepted in 500 Insular Health Care-accredited hospitals nationwide (excluding *Top 6 Hospitals). To know more about the complete benefit coverage of ER Care Basic 50 and its terms and conditions, read Insular Health Care's Health Care Agreement.

The Php 50,000 benefit limit covers these items:
   ✓ Doctor's fee
   ✓ Laboratory and diagnostic procedures
   ✓ Emergency room care
   ✓ Medicines as medically necessary in the emergency room

Things to Note:

"Emergency" shall mean the sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort.

"Accident" shall mean 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. Some examples of accidents covered by ER Care Basic 50 are new fractures, new burns, new animal bites, and new cuts that need suturing.

This health voucher is applicable to adults, 18 to 64 years old, and is valid for 12 months or up until used which ever comes first. The final medical diagnosis shall be the basis for a Member's eligibility to emergency care benefits under the Agreement.


*Top 6 Hospitals – Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke's Medical Center (QC and BGC) and The Medical City

FAQ'S ON 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 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 www.insularhealthcare.com.ph/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”.

  • What Plan Types are there?
    Plan A (Open Access to Accredited Hospitals Program) Under this plan, a member may use any Insular Health Care accredited hospital and clinic nationwide. Plan B (Preferred Hospital Program) Under this plan, a member will have to select and strictly use his preferred hospital except during genuine emergencies (as defined in the “Agreement”) whereby he may use any hospital nearest him. If a member uses an accredited hospital, we afford him full coverage according to his benefits classification. If a member uses a non-accredited hospital, reimbursement of expenses will be governed by the Emergency Benefits provision of the Agreement.
  • What are the plan features applicable to both Plan A & Plan B?
    For primary care (non-emergency cases), entry point to accredited/preferred hospitals SHOULD BE THE COORDINATOR’S OFFICE. During off-clinic hours, and only for genuine emergency cases (as defined in the Agreement), a member may go to the Emergency Room for treatment. Unless stipulated in the Agreement, accredited clinics are not used for health care service availments. During genuine emergencies (as defined in the Agreement), a member may use any hospital nearest him. If a member uses an accredited hospital, we afford him full coverage according to his benefits classification. If a member uses a non-accredited hospital, reimbursement of expenses will be governed by the Emergency Benefits provision of the Agreement. Some accredited Metro Manila and provincial hospitals no longer have ward and semi-private rooms or no longer admit HMO patients to ward or semi-private rooms. For members who select the ward or semi-private room accommodation plan and/or use hospitals without ward or semi-private rooms for in-patient benefits, please be advised that these hospitals will automatically admit the member to the next higher room accommodation on a step-ladder basis. For genuine emergency cases (as defined in the Agreement), Insular Health Care takes care of the difference in upgraded costs for the first 24 hours. After the first 24 hours, the member pays for the difference in upgraded costs prior to his discharge from the hospital. For elective cases, the member pays for the difference in upgraded costs from day one of his confinement prior to his discharge from the hospital. Please see provision “b” under Room and Board of In-Patient Benefits.
  • What is the Maximum Benefit Limit (MBL)?
    The Maximum Benefit Limit (MBL) per person per illness or injury per year will depend on the member’s Room Accommodation / Plan Category (which will be established at the start of the coverage period based on the client’s requirements, e.g., Officer, Supervisory, Rank & File, with or without dependents) and shall apply to dreaded and non-dreaded diseases. MBLs may vary according to the client’s requirements. However, as much as possible, the company applies the following standard MBLs for the following Room Accommodation / Plan Categories:
  • What are the optional benefits?
    1. Dental Benefits To avail of this outpatient benefit at the member’s preferred dental clinic (for those who select strict preferred dental facilities) or at any dental clinic (for those who select open-door dental facilities) under the Filipino Doctors Preventive Healthcare Management, Inc., 100% participation of all qualified enrollees (by category, i.e., Officer / Supervisory / Rank & File, with or without their dependents) is required. Any number of consultations on dental problems including but not limited to lesions, wounds, burns, and gum problems (during clinic hours and by appointment) Annual Oral Prophylaxis (mild to moderate cases) Unlimited simple tooth extractions, except surgery for impaction or extraction of impacted tooth or complicated extractions involving the use of other dental instruments aside from pliers and/or the re-administration of anaesthesia Unlimited temporary fillings Unlimited re-cementation of fixed bridges, jacket crowns, inlays and onlays (limited to 4 abutments) Dental education and counseling during consultations Simple adjustments of denture clasps Two (2) surfaces of amalgam fillings 2. For “open-door” dental plan, add: Any number of consultations/dental examinations including treatment of lesions, wounds, burns, gum and other dental problems except diagnostics, prescribed medicines, surgeries and “root canal” procedures No limit as to the number of abutments covered (on item 5 above) Orthodontic consultations Aesthetic dental consultations Emergency desensitization of hypersensitive teeth Option to choose between two (2) surfaces of amalgam fillings or one (1) surface of “light cure” filling 3. Life (Group Term) Insurance With Insular Life This is applicable only to Employee-Principal members. Minimum of P 10,000 in coverage Maximum of P 50,000 in coverage (To avail of this benefit, 100% participation of qualified employee-principals is required. Coverages over the above limits will need special approval. ) In accordance with Insular Life Group Term Policy No. G-014175 dated 15 January 1999 and all of its succeeding endorsements, any individual with adverse medical findings shall automatically be covered for one-half (1/2) of coverage of a standard risk for deaths due to natural causes and one hundred percent (100%) of coverage for deaths due to accident. Maternity Benefit (All regular female employees must enroll but in no case less than 25) Pre-natal and Post-natal diagnostic procedures at Insular Health Care Clinic or accredited/preferred hospitals. Hospital care during pregnancy and delivery. Limits will depend on the needs of the corporate client. Ordinary nursing care for newborn baby while mother is confined or for three days, whichever comes earlier. Maternity Benefits shall be available only after the enrollee (principal or dependent member) has been continuously covered under the “Agreement” for a period of 280 days from date of initial enrollment except that in the event of pre-termination of pregnancy within the said period of 280 days, maternity benefit shall be available provided such pregnancy commences after the coverage of the enrollee becomes effective.
  • What are examples of Latest Modalities of Treatment?
    The limits of the following procedures shall apply inclusive of professional fees and related incidental expenses: Procedures covered up to MBL or up to certain limits: 1. Laparoscopic Cholecystectomy (LapChole), Adrenalectomy, Hernioplasty / Herniorrhaphy / Herniotomy, Oophorectomy / Oophorectocystectomy are covered up to MBL. All other laparoscopic procedures (except LapChole) for therapeutic purposes are covered up to Php 20,000 per year. All laparoscopic procedures for diagnostic purposes are covered up to Maximum Benefit Limit (MBL). 2. Cryosurgery 3. Hysteroscopic Myomectomy 4. Hysteroscopic D&C and Polypectomy 5. Gamma Knife 6. Arthroscopic Surgery 7. Magnetic Resonance Imaging (MRI) / Magnetic Resonance Angiogram (MRA) / Computerized Tomography (CT Scan) 8. Functional Endoscopic Sinus Surgery (FESS) 9. Nuclear medicine procedures Thyroid Scan Thallium Scintigraphy / Thallium Stress Test Sestamibi Stress Test / Hexamibi Radioactive Isotope Scan HIDA Scan Radionuclide Renography Body Metastatic Survey Bone Scan / Imaging / Densitometry Dacryoscintigraphy Gastric Scintigraphy Glomerular Filtration Rate Liver or Spleen Imaging [Tetro Rest and Stress Thyroid Imaging / Scintigraphy Other nuclear medicine procedures are covered up to Php 5,000 per session. 10. Laser eye procedures (one session per eye per year): Laser lridotomy / Iridectomy, Yag Laser, and Argon Laser are covered up to MBL. All other Laser Procedures (one session per year) are covered up to Php 5,000 except Photorefractive Keratectomy 11. Electro Shock Wave Lithotripsy (ESWL) (limited to one session per year) 12. Electrocautery (ECT), paring and curettage, and other related procedures in the treatment of warts, molluscum contagiosum, and milia shall be covered up to Php 1,000 per year. 13. Endoscopic Procedures is covered up to MBL for diagnostic purposes; and Php 5,000 per session for therapeutic purposes. 14. Percutaneous Ultrasonic Nephrolithotomy (PUN) is covered up to Php 40,000 (one session per year). 15. Stereotactic Brain Biopsy is covered up to Php 20,000 per session. 16. Transurethral Microwave Therapy of Prostate is covered up to Php 30,000 per session. 17. Speech Therapy (inclusive of out-patient speech therapy) 18. Positron Emission Tomography Scan (PET Scan) is covered up to Php 5,000 per session. 19. Sleep Studies is covered up to Php 5,000 per year. 20. Pain Management is covered up to Php 3,000 per year. 21. Post-operative Analgesia is covered up to Php 3,000 per operation.
  • What are examples of Dreaded Diseases?
    Coverage is subject to the Maximum Benefit Limit per person per illness or injury per year. Neurological disorder Blood dyscracia Collagen/Immunological disorder Liver Cirrhosis Chronic Pulmonary/Renal disorder Cardiovascular disorder Cancer Any condition which necessitates the use of Intensive Care Unit subject to other limitations Accidental injuries Other conditions causing partial or total organ damage or failure
  • What are Pre-Existing Conditions (PECs)?
    A. An illness or condition shall be considered pre-existing if before the Effective Date of the Agreement: Any professional advice or treatment was given for such illness or condition Such illness or condition was in any way evident to the member The pathogenesis of such illness or condition has already started (which the member may not be aware of). B. PECs are not covered in the first year of coverage. C. After the member has been continuously covered with Insular Health Care for 12 months and the agreement is renewed, the following provisions on PECs shall apply: 1. PECs are covered provided that the PECs are not considered part of the “Permanent Exclusions to Health Care Coverage”, and that such PECs were declared by the member in the original application; such PECs are unknown to the member (without established medical history); 2. Undeclared PECs with established medical history are excluded from coverage. However, said PECs may be evaluated for possible future consideration. 3. In case an application is disapproved due to an adverse medical condition, an applicant may still avail of the Insular Health Care program by executing a “waiver” relinquishing or limiting coverage for the particular adverse condition/s (as stated in the provision on Enrollment / Approval of Application). D. Examples of PECs: (inclusive of complications) Hernias All tumors and malignancies involving any body organ or system Endometriosis, Dysfunctional Uterine Bleeding Hemorrhoids Diseased tonsils requiring surgery Pathological abnormalities of the nasal septum and turbinates Thyroid Dysfunction/Goiter Cataract Sinus condition requiring surgery Asthma / Chronic Obstructive Pulmonary Disease Cirrhosis of the liver Tuberculosis Anal Fistula Cholelithiasis / Cholecystitis Calculi of the urinary system Gastric or Duodenal Ulcer Hallux Valgus Diabetes Mellitus Hypertension Collagen Disease / Auto Immune Disease Cardiovascular Disease Hormonal Dysfunction Seizure Disorder / Cerebral Insufficiency / Stroke E. The following health conditions may be covered (either fully or up to certain amounts) provided pre-existing conditions of an account are likewise covered: Organ transplants and/or open-heart surgery / angioplasty and all services (e.g., coronary angiogram) related thereto (except organ donor services) AIDS and AIDS-related diseases except when sexually transmitted Congenital abnormalities and conditions are covered up to Php 25,000. Chronic glomerulonephritis, gullain-barre syndrome Scoliosis, Spinal Stenosis and Kyphosis are covered up to Php 25,000. For all other physical deformities, only consultations are covered. For Vitiligo and Psoriasis, only consultations are covered. Confirmatory Tests are covered up to the MBL provided the tests are done for valid diagnoses. Coverage shall be extended only up to the time the condition in question has been ruled in/out. Confirmatory tests are not applicable to health conditions listed under Permanent Exclusions.
  • What are examples of Permanent Exclusions?
    Care by non-accredited Physician and / or in a non-preferred hospital/clinic except in emergencies wherein the emergency provision of the agreement will apply All pregnancy related conditions requiring medical/surgical care and screen tests related thereto. Sterilization of either sex or reversal of such, artificial insemination, sex transformations or diagnosis and treatment of infertility, and circumcision Rest cures, custodial, domiciliary or convalescent care Cosmetic surgery, dental/oral surgery, and dermatological procedures for the purpose of beautification except reconstructive surgery to treat a dysfunctional defect due to disease or accident Psychiatric disorders, psychosomatic illnesses, hyperventilation syndrome, adjustment disorders, alcoholism and its complications or conditions related to substance or drug abuse, addiction and intoxication Sexually transmitted diseases Medical and surgical procedures which are not generally accepted as standard treatment by the medical profession Procurement or use of corrective appliances, artificial aids, durable equipment, and orthopedic prosthesis and implants Surcharges resulting from additional personal (luxuries/accommodation) request or service including special nursing services Physical examination required for obtaining employment, medical certification, insurance or a government license Injuries or illnesses due to military, paramilitary, police service, high risk activities, or suffered under conditions of war Reimbursement of procedures obtained through government programs Injuries or illnesses, which are self-inflicted, caused by attempt at suicide or incurred as a result of or while participating in a crime or acts involving the violation of laws or ordinances Out-patient/take-home medicines Valvular Heart Disease and Rheumatic Heart Disease Medico-legal consultations When a member is discharged against medical advice, and all 19. subsequent benefits/services related thereto. Blood / Organ Donor screening / other screening procedures that are purely diagnostic or for screening purposes including among others, Purified Protein Derivative (PPD), and procedures conducted prior to hormonal replacement therapy All hospital charges and professional fees after the day and time hospital discharge has been duly authorized and professional fees of Assistant Surgeons All conditions and complications requiring dental care Hypersensitivity/allergy tests Diseases declared by the Department of Health (DOH) as Epidemic Use of Emergency Room Facilities on non-emergency cases or by reason of condition/injuries not falling under the term “Emergency” as defined in the Agreement (“Emergency” shall mean the sudden, unexpected onset of illnes or injury having the potential of causing immediate disability or death, or requiring the immediate alleviation of severe pain or discomfort.) For the purpose of implementation, the final diagnosis shall be the basis for a member’s eligibility to emergency care benefits under the plan.
  • What's the Membership Eligibility?
    Membership fees are based on a specific number of principal-enrollees that were culled from the client’s employee census. If membership fee is employer-employee shared or employee-paid, we require at least 75% participation of employee principals. Accommodation / Benefits Plan of Principal Members must follow a uniform category (e.g., officers at Private room, rank-and-file employees at Semi-Private room, etc.) pre-established by the client at the start of the program. A. Principal members: Regular employees at least 18 years old to less than 65 years old. B. Dependents: (Following Hierarchy Guidelines) For single employees: Parent(s) first who is/are less than 65 years old and not gainfully employed; followed by the eldest sibling down to the youngest who is/are 15 days to less than 21 years old, unmarried and not gainfully employed. For single parent employees: Eldest child down to the youngest, 15 days to less than 21 years old, unmarried and not gainfully employed. For married employees: Spouse first who is less than 65 years old; followed by the eldest child down to the youngest, 15 days to less than 21 years old, unmarried and not gainfully employed.
  • What's the Dependents Coverage?
    Participation and Enrollment: If Dependents’ Coverage is Employer-paid, we require 100% participation of employee-principals enrolling at least two (2) immediate dependents each following our hierarchy guidelines. If Dependents’ Coverage is Employer-Employee-shared or Employee-paid, we require at least 75% participation of employee-principals enrolling at least two (2) immediate dependents each following our hierarchy guidelines. In both instances above, if the minimum participation requirement is not met (because of employees who may have only one or no eligible dependent/s), we may still offer Dependents’ Coverage. Applications will be individually underwritten subject to acceptance or denial as the case may be. It is understood that a re-quote of dependents’ rates based on the actual number of enrollee-dependents may be done, if necessary. Dependents should be enrolled simultaneously with principal members. Newly married spouse, newly born child / sibling should be enrolled within 31 days from date of qualification as a dependent. Accommodation / Benefits Plan of Dependents must follow a uniform category pre-established by the client at the start of the program; and must be equal to or lower than the Principal’s accommodation /benefits plan.
  • How about Philhealth / ECC?
    Our program is integrated with benefits under Philhealth and/or Employees Compensation Commission (ECC); therefore such Philhealth and / or ECC benefits to which the member is entitled to shall be deducted from the claim cost in the computation of benefits under our program, unless agreed otherwise through a special endorsement in the contract. All covered members are assumed to be Social Security System (SSS) members. In case a member and/or any dependent is not an SSS member, he shall be charged the amount equivalent to the Philhealth benefit in case he is hospitalized. Insular Health Care shall pay only all hospital bills in excess of the Philhealth benefits.
  • How is the Enrollment / Approval of the Application?
    An applicant applying for coverage is required to accomplish an enrollment form otherwise there will be no coverage despite having paid a deposit for membership fees. Changes in the application may be done prior to the underwriting process or the issuance of the ID card. Exceptions, if any, will be handled on a case-to-case, non-precedent setting basis. It is understood that Insular Health Care reserves the absolute right to approve or disapprove any application for membership. In case an application is disapproved due to an adverse medical condition, an applicant may still avail of the Insular Health Care program by executing a “waiver” relinquishing or limiting coverage for the particular adverse condition. Non-compliance of underwriting requirements within the prescribed period will mean the exclusion from coverage of the condition for which an underwriting requirement has been prescribed. In case of pre-termination of coverage or resignation/deletion of members, the client should return the ID card(s) of its members. Any misuse of the ID card by a member will be for the account of the client and / or the member.
  • Can you tell me about the Membership Fee / Billing Statement?
    Membership fee is due and payable on Effective Date of the Agreement. Payment should be on or before due dates corresponding to a mode pre-selected by the client. Non-receipt (by the client) of a billing notice does not constitute a valid reason for non-payment of membership fees. Non-payment of Membership Fees for 31 days from due date will automatically void the “Agreement”. Benefits under the “Agreement” are allowed only if membership fees have been paid PRIOR to availment of such benefits. If for any reason the Insular Health Care membership is pre-terminated, the member must surrender to Insular Health Care his ID card.
  • What is the Effective Date of Coverage?
    Effective date of coverage will be any day preferred by the corporate client after receipt (and evaluation) of the Corporate Application; receipt of the initial deposit for membership fees; and / or after underwriting requirements, if any, have been complied with by the corporate client.
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HOW TO PURCHASE ER CARE BASIC 50 INSTANTLY

This will take you to InLife Health Care's official website where you can shop for the ER CARE BASIC 50 voucher and pay for it online.

Here are the steps:

 

1. Please click the button below.

2. Once in the InLife Health Care website, find ER BASIC 50 under the "Products" tab menu at the top.

3. Click the "ADD TO CART" button at the bottom of that ER BASIC 50 page, VIEW CART then PROCEED TO CHECKOUT for the payment. 

DISCLAIMER: This website is not the official website of the insurance brands we carry. Instead, we are an accredited and licensed Financial Advisor of the insurance brands. Insurance products here are only available in the Philippines.

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