ER Care Basic

Upon purchase, you can register online at https://services.insularhealthcare.com.ph/. You must register a name to your prepaid health plan within 90 days from purchase date. After which, your serial code will no longer be available for register.

The health voucher will be activated 10 calendar days from registration. The validity period will be indicated on your health voucher. It is valid for 12 months or up until used, whichever 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, 2023, to August 11, 2024, or up until used, which ever comes first.

In case of emergency, go to an IHC-accredited hospital and proceed to ER. Present your IHC e-voucher and a government-issued ID. If your case is coverable, your hospitalization will be covered by your e-voucher up to the benefit limit indicated. Services that are not covered by the e-voucher can be settled directly with the hospital.

Yes, you can. The health plan is giftable/transferable as long as it’s not yet registered. To get the prepaid health card registered to someone else, you need their details listed below:

1. • Full Name
2. • Birth Date
3. • Home Address
4. • Email Address
5. • Mobile Number

Take note that after submitting the person’s information, an email will be sent to him/her notify them that you registered them under an IHC health plan. They must confirm that they allow the registration to receive the health voucher.

ER Care Basic 50 is a one-time use health voucher, which means regardless of consuming it wholly or not, it will not be valid again for use. However, you can repurchase and register it once again.

IHC has more than 500-accredited hospitals and clinics Members can choose from. All vouchers will be accepted in the cited hospitals and clinics in the list provided here https://www.insularhealthcare.com.ph/our-partners/

No. PhilHealth coverage is required only when confinement is required.

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:

1. (a) Any professional advice or treatment was given for such illness or condition;
2. (b) Such illness or condition was in any way already known to the Member; or
3. (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”.