ER Care All-In Kids is a one-time use prepaid health voucher that provides up to Php 100,000 outpatient and inpatient care coverage of emergency cases due to accidents, viral and bacterial illnesses, and specific conditions. It is accepted in all Insular Health Care accredited hospitals nationwide (excluding *Top 6 hospitals). To know more about the complete benefit coverage of ER Care All-In 100 Kids and its terms and conditions, read Insular Health Care’s Health Care Agreement.

The benefit limit covers these items:
     ✓ Doctor’s professional fee
     ✓ Laboratory and diagnostic procedures
     ✓ Emergency room care
     ✓ Regular private room accommodations
     ✓ 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 of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit
    ✓ 1-year access to over-the-phone/telemedicine access with MyPocketDoctor

“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 All-In 100 Kids are new fractures, new burns, new animal bites, and new cuts that need suturing.

“Viral and bacterial illnesses” are diseases caused by viruses and/or bacteria. Some examples of viral and bacterial illnesses covered by ER Care All-In 100 Kids are Acute Upper Respiratory Tract Infection, Amoebiasis, Dengue Fever, Typhoid Fever, and Urinary Tract Infection.

This health voucher is applicable to children, 1-17 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. PhilHealth is required for the availment of this health voucher during hospital confinement.

*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