This one-time use health care voucher provides up to Php 30,000.00/P50,00.00 worth of coverage for emergency cases due to accidents, viral & bacterial illnesses, and specific conditions. Services include outpatient and inpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide including the *Top 6 hospitals. 

Benefit limitPriceValidity
ER Care Choice 30P30,000.00P100.0030days
ER Care Choice 50P50,000.00P150.0030 days

ER Care Choice 50 is a one-time use prepaid health voucher that provides up to Php 50,000 outpatient and inpatient coverage of emergency cases due to accidents, viral & bacterial illnesses, and specific conditions. It is accepted in all Insular Health Care accredited hospitals nationwide (including *Top 6 hospitals). To know more about the complete benefit coverage of ER Care Choice 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 professional fee
    ✓ Laboratory and diagnostic procedures
    ✓ Emergency room care
    ✓ Ward room accommodation
    ✓ Medicines as medically necessary in the emergency room and during confinement
    ✓ Surgery and surgeon’s fees when medically necessary
    ✓ Use of operating room, recovery room, and ICU, as medically necessary

    ✓ Special Modalities as medically needed subject to Php 5,000 sublimit

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 Choice 50 are new fractures, new burns, new animal bites, and new cuts that need suturing.

This health voucher is applicable to adults, 18 to 70 years old, and is valid for 30, 60, or 90 days 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.