ER Care Choice

1. • Acute Bronchitis
2. • Acute gastroenteritis with dehydration
3. • Acute tonsillopharyngitis with moderate dehydration
4. • Acute Sinusitis
5. • Acute tonsillopharyngitis
6. • Acute Upper Respiratory Tract Infection
7. • Amoebiasis
8. • Cellulitis
9. • Dengue Fever
10. • Acute Pneumonia
11. • Typhoid Fever
12. • Urinary Tract Infection
13. • SVI (systemic viral infection) with fever
14. • Measles with high-grade fever
15. • Chicken pox with complications
16. • Leptospirosis
17. • Polio
18. • Cholera
19. • Diphtheria
20. • Pertussis
21. • Tetanus
22. • Rabies
23. • Meningitis
24. • Chikungunya
25. • Malaria
26. • Anaphylactic Shock
27. • Acute Appendicitis
28. • Acute Gastritis

ER Care Choice covers accidents that include, but are not limited to:

1. • Accidents, excluding Cerebrovascular (Stroke)
2. • Fracture, new
3. • Burns, new
4. • New animal bites, including first dose of vaccines up to a maximum of Php20,000
5. • Cuts, new, needing suturing
6. • Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports
7. • Accidental chemical poisoning

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

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 after a waiting period

1. • ER Care Choice with 30-day coverage: 1 calendar day
2. • ER Care Choice with 60-day coverage: 10 calendar days
3. • ER Care Choice with 90-day coverage: 10 calendar days

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 Choice 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/

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.

1. • Laparoscopic procedures
2. • Magnetic Resonance Angiography
3. • Magnetic Resonance Imaging (MRI)
4. • Computerized Tomography (CT) Scans
5. • Endoscopic Procedures (Therapeutic)
6. • Pain Management
7. • Arthroscopic Procedures, Orthopedic Arthroscopy

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”.