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Insular Health Care Inc Makati Office Clinic

Additional Benefits for Individual and Family

Prescription Medicine Benefit

Up to Php 1,000 worth of prescription medicine for immediate relief and/or treatment of illness provided the illness or condition is covered under the Agreement and medication is prescribed by an Insular Health Care Physician.

Life (Group Term) Insurance with Insular Life

In accordance with Insular Life Group Term Policy No. G – 014175 dated 15 January 1999 and all of its succeeding endorsements, each individual shall be insured in accordance with the following Benefit Schedule:

Room Accomodation Suite Private Semi-Private
Standard Risk Php 50,000 Php 25,000 Php 15,000
Sub-Standard Risk Php 25,000 Php 12,500 Php 7,500

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 (l00%) of coverage for deaths due to accident. However, the insurance of a child below five (5) years old will be subject to “Child’s Lien”, as follows:

Age of Dependent Child
at the Time of Death Amount Payable
3 months to less than 1 year One-tenth of the amount of insurance
1 year to less than 2 years One-fifth of the amount of the insurance
2 years to less than 3 years Two-fifths of the amount of the insurance
3 years to less than 4 years Three-fifths of the amount of the insurance
4 years to less than 5 years Four-fifths of the amount of the insurance
5 years and above The full amount of the insurance