INHEALTH BIZ
Comprehensive Health
for SMEs
Health is the way forward for your business.
Everyone counts (on you)
Because you prioritize them, your staff look to you as more than just an employer but as a leader.

Effective health benefits for every employee
With Insular Health Care’s commitment to quality health care, this comprehensive yet affordable health care maintenance program is made specifically for small and medium entrepreneurs.

Out-Patient Benefits
This includes annual physical examination, preventive health care such as Immunization Administration and Health Education Counseling on diet or exercise, and other out-patient services like Medical Consultation and First Aid Treatment.

In-Patient Benefits
This includes services of all accredited Physicians including surgical services, room and board, general nursing service, and other services or supplies deemed medically necessary.

Emergency Care Benefits
Such as ambulance services, emergency care-related procedures in accredited and non-accredited hospitals, and room upgrade.
Summary of Plan Benefits for InHealth Biz
Membership Fees
Plan I (Any accredited Hospital including top 9 major Hospitals)
- Asian Hospital Medical Center (AHMC)
- Makati Medical Center (MMC)
- Cardinal Santos Medical Center (CSMC)
- St. Luke’s Medical Center – Quezon City (SLMC-QC)
- The Medical City (TMC)
- St. Luke’s Medical Center – Global (SLMC-GC)
- Cebu Doctor’s Hospital (CDH),
- Chong Hua Hospital (CHH)
- Davao Doctor’s Hospital (DDH)
Accommodation | Benefit Limit* | VAT-INCLUSIVE MEMBERSHIP FEES | ||
Annual | Semi-Annual | Quarterly | ||
PRINCIPAL | ||||
Private | 150,000 | 17,950 | 9,514 | 4,847 |
Semi-Private | 80,000 | 14,485 | 7,677 | 3,911 |
Ward | 70,000 | 11,995 | 6,357 | 3,239 |
DEPENDENT | ||||
Private | 150,000 | 24,480 | 12,974 | 6,610 |
Semi-Private | 80,000 | 19,530 | 10,351 | 5,273 |
Ward | 70,000 | 16,175 | 8,573 | 4,367 |
*Note: Maximum Benefit Limit (MBL) per illness per injury per year
Plan II (Any accredited Hospital excluding top 9 major Hospitals)
- Asian Hospital Medical Center (AHMC)
- Makati Medical Center (MMC)
- Cardinal Santos Medical Center (CSMC)
- St. Luke’s Medical Center – Quezon City (SLMC-QC)
- The Medical City (TMC)
- St. Luke’s Medical Center – Global (SLMC-GC)
- Cebu Doctor’s Hospital (CDH),
- Chong Hua Hospital (CHH)
- Davao Doctor’s Hospital (DDH)
Accommodation | Benefit Limit* | VAT-INCLUSIVE MEMBERSHIP FEES | ||
Annual | Semi-Annual | Quarterly | ||
PRINCIPAL | ||||
Semi-Private | 150,000 | 14,325 | 7,592 | 3,868 |
Private | 80,000 | 11,575 | 6,135 | 3,125 |
Ward | 70,000 | 9,585 | 5,080 | 2,588 |
DEPENDENT | ||||
Semi-Private | 150,000 | 19,515 | 10,343 | 5,269 |
Private | 80,000 | 15,600 | 8,268 | 4,212 |
Ward | 70,000 | 12,905 | 6,840 | 3,484 |
*Note: Maximum Benefit Limit (MBL) per illness per injury per year
OTHER FEES (*** One-Time Fee)
- Open Door Dental 370.00 per member per year***
- Life (Group Term) / AD&D
- OPTION I: P 20,000 105.00 per principal per year***
- OPTION II: P 50,000 262.50 per principal per year***
ADDITIONAL BENEFITS
- Open Door Dental Benefits
- Fees for Dental benefit should be on a one-time basis only.
- P 20,000 or P 50,000 Life (Group Term) Insurance with AD&D for employees only.
- Fees for Life (Group Term) Insurance with AD&D should be on a one-time basis only.
NOTES
- Guaranteed room upgrade for the first 24 hours.
- Standard program provisions for In Health Biz effective 1 February 2017 shall apply.
- Above rates are inclusive of 12% VAT.
- Type of payment for Principals is Non-contributory (subject to 100% enrollment by all eligible employees).
- Eligibility Requirement for Principal:
- All regular employees of THE COMPANY at least 18 years to less than 65 years old.
- Benefits include coverage for Basic Annual Physical Examination (APE).
- Plan and benefits should be uniform or according to Rank/Position/Classification. Dependent’s plan shall in no way be superior over their respective principal.
- Applicable for accounts with less than 10% field based, non-office based employees only.
- Coverage may only be activated 5 working days from date of payment.
- Program shall be subject to the following provisions:
- Extra-ordinary inflation
- Imposition of new government tax
- Extra-ordinary increase of hospital costs (more than 30%
- Waiver of application form subject to submission of electronic data (E-data)
- Non-Philhealth integrated benefits for non-philhealth members only. (Members should be declared prior to start of coverage).
- Without access to Healthway Medical Clinics, Inc. and American Eye Center.
- Insular Health Care, Inc. exclusions shall apply.
- Applicable for group of 20 – 99 enrollees.
Outpatient Benefits
- Taking of Medical History
- Physical Examination
- Chest X-Ray
- Routine Urinalysis
- Routine Fecalysis
- Complete Blood Count (CBC)
- Electrocardiogram (ECG) for members 35 years old and above, or if indicated
- Pap Smear for female members 35 years old and above, or if indicated
2. Preventive Health Care
- Immunization Administration (Only the 1st dose of Anti-Rabies/Anti-Venom/Anti-Tetanus Vaccines are covered – does not include the cost of vaccine and determination of susceptibility)
- Health Education Counseling on diet or exercise
- Periodic Monitoring of Health Problems
- Family Planning Counseling
- Health education and wellness program (up to 4x a year)
- Medical information dissemination through clinics, newsletters, seminars, etc.
3. Outpatient Services
- Medical Consultation during regular clinic hours including specialist evaluation
- First Aid Treatment of minor injury or illness
- Minor surgery not requiring confinement
- Necessary X-rays, laboratory examinations, routine diagnostic and therapeutic procedures
- Eye, Ear, Nose and Throat (EENT) care
- Pre and Post Natal Consultations (covered up to MBL)
- Transfusion of blood and other blood elements (except blood donor screening)
- Cauterization of Warts except Genital Warts and Condyloma Acuminata (up to 1,000 per member, per year)
- Speech Therapy (covered up to MBL)
- Physical Therapy (covered up to MBL)
- Sclerotherapy – must be medically necessary and recommended by an affiliated vascular surgeon and not for aesthetic purpose (covered up to MBL)
Inpatient Benefits
- Services of a Physician including surgical services
- Room and Board using a “step-ladder” system (lowest to highest); Room amenities (vary according to actual hospital set-up)
- General Nursing service
- Use of Operating Room and Recovery Room
- Anesthesia and its administration
- Drugs and Medications during confinement
- Confinement in Intensive Care Unit
- Other Services/Supplies deemed medically necessary such as but not limited to:
- Oxygen and its administration
- Dressing, Sutures, Cast (Plaster of Paris or fiberglass cast ) and other medical supplies
- Laboratory Tests and other necessary diagnostic service
- Transfusion of blood and other blood elements except donor-screening services
- Assistance in administrative requirements through a Liaison Officer
- Admission Kit
Emergency Care Benefits
- Ambulance Services (Hospital to Hospital Transfer Only)
- Accredited to Accredited Hospital Transfer (covered up to Php 3, 500)
- Non-Accredited to Accredited Hospital Transfer (covered up to Php 3, 500)
- In Accredited Hospitals, coverage is as follows:
- Professional Fees of Attending Physicians
- Emergency Room Fees
- Medicines, blood transfusions, intravenous fluids, oxygen, dressings, sutures and casts
- X-ray, laboratory and other diagnostic examinations
- Treatment of laceration, pains and other minor injuries
- Dressing, sutures and cast (Plaster of Paris or fiberglass cast)
- First dose of anti-rabies, anti-venom and anti-tetanus vaccines.
- In Non-Accredited Hospitals /Areas with no Accredited Clinic or Hospitals / Areas outside the Philippines
- Reimbursable up to 80% of the Total Hospital Bills including professional fees on RVS or Php 15,000 (Php 10,000 or HB and Php 5,000 for PF), whichever is less
- Room Upgrade (In case of unavailability)
- Covered for the first 24 hours for genuine emergency cases only – except Suite Accommodation
Other Benefits / Special Services
- Motor Vehicular Accidents
- Coverage for newer modalities (up to Php 5,000 per member, per year)
- Unprovoked Assault (Up to MBL)
- Work-related Illnesses or Injuries – ECC Cases (Up to MBL)
- Congenital Conditions (Up to Php 25,000 per member, per year)
Complex Diagnostic Procedures
The following are covered up to MBL, except for some procedures, as indicated:
- Lithotripsy
- Laparoscopic Cholecystectomy (LapChole), Adrenalectomy, Hernioplasty / Herniorrhaphy / Herniotomy, Oophorectomy/ Oophorocystectomy and alll other laparoscopic procedures for diagnostic purposes
- All other laparoscopic procedures for therapeutic purposes (up to Php 20,000 per year)
- Cryosurgery
- Angiogram and/or Angioplasty/Coronary Artery Bypass Graft
- Chemotherapy/ Radiotherapy
- Dialysis
- Computed Tomography Scans (CT Scan)
- Magnetic Resonance Imaging (MRI) & Magnetic Resonance Angiogram (MRA)
- Functional Endoscopic Sinus Surgery (FESS)
- Nuclear medicine procedures
- Thyroid Scan
- Thallium Scintigraphy / Thallium Stress Test
- Sestamibi Stress Test / Hexamibi
- Radioactive Isotope Scan
- HIDA Scan
- Radionuclide Renography
- Body Metastatic Survey
- Bone Scan / Imaging / Densitometry
- Dacryoscintigraphy
- Gastric Scintigraphy
- Glomerular Filtration Rate
- Liver or Spleen Imaging
- Tetro Rest and Stress
- Thyroid Imaging / Scintigraphy
- Other nuclear medicine procedures (up to Php 5,000 per session)
- Laser eye procedures such as Laser Iridotomy /Iridectomy,Yag Laser, and Argon Laser (up to Php 5,000)
- All other Laser Eye Procedures except Photorefractive Keratectomy – one session per eye per year (up to Php 5,000)
- All other Laser procedures (up to Php 5,000)
- Mammography and Sonomammogram
- Transurethral Microwave Therapy of Prostate (up to Php 30,000 per session)
- Gamma Knife Surgery
- Heart Surgery
- Arthroscopic Procedures
- Hysteroscopic Procedures (Myomectomy, D&C and Polypectomy)
- Ultrasound (except Maternity Cases)
- Benign Prostatic Hyperplasia
- 2D Echo with Doppler
- 24 Hour Holter Monitoring
- Herniorraphy
- Electromyography
- Treadmill Stress Test
- Myelogram
- Video Gastroscopy
- Endoscopic Procedures for diagnostic purposes
- Endoscopic Procedures for therapeutic purposes (up to Php 5,000 per session)
- PET Scan (up to Php 5,000 per session)
- Percutaneous Ultrasonic Nephrolithotomy – one session per contract per year (up to Php 40,000)
- Perfusion Scan
- Stereotactic Brain Biopsy (up to Php 20,000)
Pre-Existing Conditions (PECs)
- Dreaded Illnesses
- Non-Dread Illnesses
Optional Benefits
Dental Care Benefits
Provided by the Filipino Doctors Preventive Healthcare Management, Inc.
- Preventive Services
- Unlimited Consultations
- Oral Hygiene Instruction
- Oral Prophylaxis – mild to moderate (once a year)
- Annual Dental Examination
- Restorations
- Unlimited Temporary Fillings
- Light Cure Filling – 2 Surfaces
- Unlimited recementation of jacket crown inlays and onlays
- Unlimited Simple Tooth extraction except surgery for impaction
- Dentures and Orthodontics
- Adjustment of Dentures – limited to adjustment of clasp
- Orthodontic Consultation
- Aesthetic Dental Consultation
- Dental education and counselling
- Treatments
- Treatment for lesions, wounds and burns
- Treatment of Dental related pain excluding cost of prescribed medicines
- Relief and/or prescription for acute dental pain
- Emergency desensitization of hypersensitive teeth
- Gum Treatment(except gum surgery)excluding cost of prescribed medicines. This shall include the management of other dental problems excluding surgeries
Group Term Life Insurance With Insular Life
A financial assistance shall be given to the principal member’s beneficiary / ies in case of natural death..
Accidental Death and Disability
If the insured individual suffers, directly and independently of all other causes, any accidental bodily injury / loss within one hundred eighty days (180) days after due date of the accident causing the injury / loss, the Company shall pay the indemnities set in the Schedule of Indemnities.
LOSS | Indemnity |
Life | The Sum Insured |
Both Hands | The Sum Insured |
Both Feet | The Sum Insured |
Sight of Both Eyes | The Sum Insured |
One Hand and One Foot | The Sum Insured |
Sight of One Eye and One Hand; or Sight of One Eye and One Foot | The Sum Insured |
One Hand or One Foot or Sight of One Eye | 1/2 of the Sum Insured |
Program Features
Network of Accredited Providers | |
1. Hospital and Clinics | 1,019 |
2. Doctors | 32,000 |
3. Dentists | 2,071 |
4. Primary Care Centers | 1 |
Customer Care | |
1. 24/7 Hotline | Yes |
Membership Guidelines
- Membership Eligibility
- Principals – All regular employees age 18 to less than 65 years old
- Dependents
- Philhealth Provision – Integrated
Other Inclusive Benefits
1. Gullaine-Barre Syndrome | Up to MBL/PEC Limit |
2. Scoliosis, Spinal Stenosis and Kyphosis | Up to Php 25,000 |
3. All other physical deformities | Consultations only |
4. Chronic Dermatoses | Up to MBL/PEC Limit |
5. Chronic Glomerulonephritis and Pyelonephritis | Up to MBL/PEC Limit |
6. Poliomyelitis | Up to MBL/PEC Limit |
7. Slipped Disc | Up to MBL/PEC Limit |
8. Neurologic Diseases and Spinal Stenosis | Up to MBL/PEC Limit |
9. Diabetes and its Complications | Up to MBL/PEC Limit |
10. Malignant Tumor | Up to MBL/PEC Limit |
11. Sleep Study directly related to an organic illness | Up to PHP 5,000 |
12. Vitiligo and Psoriasis | Consultations only |
13. Pain Management | Up to P 3,000 per year |
14. Post-operative Analgesia | Up to P 3,000 per operation |
15. Insular Health Care Mobile App (IMA) | Covered |
16. VIP Program | Covered |
17. FREE Clinic Vouchers | Covered (1 Clinic Voucher for every 25 members) |
18. Access to Lifestyle Partners (Discount) | Covered |
19. Waiver of Application Form | Covered (if applicable) |
20. Experience Discount Benefit | Covered (if applicable) |
21. HMO Card | Released within 7 Working Days |
Summary of Plan Benefits for InHealth Biz
Membership Fees
Plan I (Any accredited Hospital including top 9 major Hospitals)
- Asian Hospital Medical Center (AHMC)
- Makati Medical Center (MMC)
- Cardinal Santos Medical Center (CSMC)
- St. Luke’s Medical Center – Quezon City (SLMC-QC)
- The Medical City (TMC)
- St. Luke’s Medical Center – Global (SLMC-GC)
- Cebu Doctor’s Hospital (CDH),
- Chong Hua Hospital (CHH)
- Davao Doctor’s Hospital (DDH)
BENEFIT LIMIT
Principal | |
Private | 80,000 |
Semi-Private | 70,000 |
Ward | 150,000 |
Dependent | |
Private | 80,000 |
Semi-Private | 70,000 |
Ward | 150,000 |
VAT-INCLUSIVE MEMBERSHIP FEES
ANNUAL | |
Principal | |
Private | 17,950 |
Semi-Private | 14,485 |
Ward | 11,995 |
Dependent | |
Private | 24,480 |
Semi-Private | 19,530 |
Ward | 16,175 |
SEMI-ANNUAL | |
Principal | |
Private | 9,514 |
Semi-Private | 7,677 |
Ward | 6,357 |
Dependent | |
Private | 12,974 |
Semi-Private | 10,351 |
Ward | 8,573 |
QUARTERLY | |
Principal | |
Private | 4,847 |
Semi-Private | 3,911 |
Ward | 3,239 |
Dependent | |
Private | 6,610 |
Semi-Private | 5,273 |
Ward | 4,367 |
*Note: Maximum Benefit Limit (MBL) per illness per injury per year
Plan II (Any accredited Hospital excluding top 9 major Hospitals)
- Asian Hospital Medical Center (AHMC)
- Makati Medical Center (MMC)
- Cardinal Santos Medical Center (CSMC)
- St. Luke’s Medical Center – Quezon City (SLMC-QC)
- The Medical City (TMC)
- St. Luke’s Medical Center – Global (SLMC-GC)
- Cebu Doctor’s Hospital (CDH),
- Chong Hua Hospital (CHH)
- Davao Doctor’s Hospital (DDH)
BENEFIT LIMIT
Principal | |
Private | 150,000 |
Semi-Private | 80,000 |
Ward | 70,000 |
Dependent | |
Private | 150,000 |
Semi-Private | 80,000 |
Ward | 70,000 |
VAT-INCLUSIVE MEMBERSHIP FEES
ANNUAL | |
Principal | |
Private | 14,325 |
Semi-Private | 11,575 |
Ward | 9,585 |
Dependent | |
Private | 19,515 |
Semi-Private | 15,600 |
Ward | 12,905 |
SEMI-ANNUAL | |
Principal | |
Private | 7,592 |
Semi-Private | 6,135 |
Ward | 5,080 |
Dependent | |
Private | 10,343 |
Semi-Private | 8,268 |
Ward | 6,840 |
QUARTERLY | |
Principal | |
Private | 3,868 |
Semi-Private | 3,125 |
Ward | 2,588 |
Dependent | |
Private | 5,269 |
Semi-Private | 4,212 |
Ward | 3,484 |
*Note: Maximum Benefit Limit (MBL) per illness per injury per year
OTHER FEES (*** One-Time Fee)
- Open Door Dental 370.00 per member per year***
- Life (Group Term) / AD&D
- OPTION I: P 20,000 105.00 per principal per year***
- OPTION II: P 50,000 262.50 per principal per year***
ADDITIONAL BENEFITS
- Open Door Dental Benefits
- Fees for Dental benefit should be on a one-time basis only.
- P 20,000 or P 50,000 Life (Group Term) Insurance with AD&D for employees only.
- Fees for Life (Group Term) Insurance with AD&D should be on a one-time basis only.
NOTES
- Guaranteed room upgrade for the first 24 hours.
- Standard program provisions for In Health Biz effective 1 February 2017 shall apply.
- Above rates are inclusive of 12% VAT.
- Type of payment for Principals is Non-contributory (subject to 100% enrollment by all eligible employees).
- Eligibility Requirement for Principal:
- All regular employees of THE COMPANY at least 18 years to less than 65 years old.
- Benefits include coverage for Basic Annual Physical Examination (APE).
- Plan and benefits should be uniform or according to Rank/Position/Classification. Dependent’s plan shall in no way be superior over their respective principal.
- Applicable for accounts with less than 10% field based, non-office based employees only.
- Coverage may only be activated 5 working days from date of payment.
- Program shall be subject to the following provisions:
- Extra-ordinary inflation
- Imposition of new government tax
- Extra-ordinary increase of hospital costs (more than 30%
- Waiver of application form subject to submission of electronic data (E-data)
- Non-Philhealth integrated benefits for non-philhealth members only. (Members should be declared prior to start of coverage).
- Without access to Healthway Medical Clinics, Inc. and American Eye Center.
- Insular Health Care, Inc. exclusions shall apply.
- Applicable for group of 20 – 99 enrollees.
Outpatient Benefits
- Taking of Medical History
- Physical Examination
- Chest X-Ray
- Routine Urinalysis
- Routine Fecalysis
- Complete Blood Count (CBC)
- Electrocardiogram (ECG) for members 35 years old and above, or if indicated
- Pap Smear for female members 35 years old and above, or if indicated
2. Preventive Health Care
- Immunization Administration (Only the 1st dose of Anti-Rabies/Anti-Venom/Anti-Tetanus Vaccines are covered – does not include the cost of vaccine and determination of susceptibility)
- Health Education Counseling on diet or exercise
- Periodic Monitoring of Health Problems
- Family Planning Counseling
- Health education and wellness program (up to 4x a year)
- Medical information dissemination through clinics, newsletters, seminars, etc.
3. Outpatient Services
- Medical Consultation during regular clinic hours including specialist evaluation
- First Aid Treatment of minor injury or illness
- Minor surgery not requiring confinement
- Necessary X-rays, laboratory examinations, routine diagnostic and therapeutic procedures
- Eye, Ear, Nose and Throat (EENT) care
- Pre and Post Natal Consultations (covered up to MBL)
- Transfusion of blood and other blood elements (except blood donor screening)
- Cauterization of Warts except Genital Warts and Condyloma Acuminata (up to 1,000 per member, per year)
- Speech Therapy (covered up to MBL)
- Physical Therapy (covered up to MBL)
- Sclerotherapy – must be medically necessary and recommended by an affiliated vascular surgeon and not for aesthetic purpose (covered up to MBL)
Inpatient Benefits
- Services of a Physician including surgical services
- Room and Board using a “step-ladder” system (lowest to highest); Room amenities (vary according to actual hospital set-up)
- General Nursing service
- Use of Operating Room and Recovery Room
- Anesthesia and its administration
- Drugs and Medications during confinement
- Confinement in Intensive Care Unit
- Other Services/Supplies deemed medically necessary such as but not limited to:
- Oxygen and its administration
- Dressing, Sutures, Cast (Plaster of Paris or fiberglass cast ) and other medical supplies
- Laboratory Tests and other necessary diagnostic service
- Transfusion of blood and other blood elements except donor-screening services
- Assistance in administrative requirements through a Liaison Officer
- Admission Kit
Emergency Care Benefits
- Ambulance Services (Hospital to Hospital Transfer Only)
- Accredited to Accredited Hospital Transfer (covered up to Php 3, 500)
- Non-Accredited to Accredited Hospital Transfer (covered up to Php 3, 500)
- In Accredited Hospitals, coverage is as follows:
- Professional Fees of Attending Physicians
- Emergency Room Fees
- Medicines, blood transfusions, intravenous fluids, oxygen, dressings, sutures and casts
- X-ray, laboratory and other diagnostic examinations
- Treatment of laceration, pains and other minor injuries
- Dressing, sutures and cast (Plaster of Paris or fiberglass cast)
- First dose of anti-rabies, anti-venom and anti-tetanus vaccines.
- In Non-Accredited Hospitals /Areas with no Accredited Clinic or Hospitals / Areas outside the Philippines
- Reimbursable up to 80% of the Total Hospital Bills including professional fees on RVS or Php 15,000 (Php 10,000 or HB and Php 5,000 for PF), whichever is less
- Room Upgrade (In case of unavailability)
- Covered for the first 24 hours for genuine emergency cases only – except Suite Accommodation
Other Benefits / Special Services
- Motor Vehicular Accidents
- Coverage for newer modalities (up to Php 5,000 per member, per year)
- Unprovoked Assault (Up to MBL)
- Work-related Illnesses or Injuries – ECC Cases (Up to MBL)
- Congenital Conditions (Up to Php 25,000 per member, per year)
Complex Diagnostic Procedures
The following are covered up to MBL, except for some procedures, as indicated:
- Lithotripsy
- Laparoscopic Cholecystectomy (LapChole), Adrenalectomy, Hernioplasty / Herniorrhaphy / Herniotomy, Oophorectomy/ Oophorocystectomy and alll other laparoscopic procedures for diagnostic purposes
- All other laparoscopic procedures for therapeutic purposes (up to Php 20,000 per year)
- Cryosurgery
- Angiogram and/or Angioplasty/Coronary Artery Bypass Graft
- Chemotherapy/ Radiotherapy
- Dialysis
- Computed Tomography Scans (CT Scan)
- Magnetic Resonance Imaging (MRI) & Magnetic Resonance Angiogram (MRA)
- Functional Endoscopic Sinus Surgery (FESS)
- Nuclear medicine procedures
- Thyroid Scan
- Thallium Scintigraphy / Thallium Stress Test
- Sestamibi Stress Test / Hexamibi
- Radioactive Isotope Scan
- HIDA Scan
- Radionuclide Renography
- Body Metastatic Survey
- Bone Scan / Imaging / Densitometry
- Dacryoscintigraphy
- Gastric Scintigraphy
- Glomerular Filtration Rate
- Liver or Spleen Imaging
- Tetro Rest and Stress
- Thyroid Imaging / Scintigraphy
- Other nuclear medicine procedures (up to Php 5,000 per session)
- Laser eye procedures such as Laser Iridotomy /Iridectomy,Yag Laser, and Argon Laser (up to Php 5,000)
- All other Laser Eye Procedures except Photorefractive Keratectomy – one session per eye per year (up to Php 5,000)
- All other Laser procedures (up to Php 5,000)
- Mammography and Sonomammogram
- Transurethral Microwave Therapy of Prostate (up to Php 30,000 per session)
- Gamma Knife Surgery
- Heart Surgery
- Arthroscopic Procedures
- Hysteroscopic Procedures (Myomectomy, D&C and Polypectomy)
- Ultrasound (except Maternity Cases)
- Benign Prostatic Hyperplasia
- 2D Echo with Doppler
- 24 Hour Holter Monitoring
- Herniorraphy
- Electromyography
- Treadmill Stress Test
- Myelogram
- Video Gastroscopy
- Endoscopic Procedures for diagnostic purposes
- Endoscopic Procedures for therapeutic purposes (up to Php 5,000 per session)
- PET Scan (up to Php 5,000 per session)
- Percutaneous Ultrasonic Nephrolithotomy – one session per contract per year (up to Php 40,000)
- Perfusion Scan
- Stereotactic Brain Biopsy (up to Php 20,000)
Pre-Existing Conditions (PECs)
- Dreaded Illnesses
- Non-Dread Illnesses
Optional Benefits
Dental Care Benefits
Provided by the Filipino Doctors Preventive Healthcare Management, Inc.
- Preventive Services
- Unlimited Consultations
- Oral Hygiene Instruction
- Oral Prophylaxis – mild to moderate (once a year)
- Annual Dental Examination
- Restorations
- Unlimited Temporary Fillings
- Light Cure Filling – 2 Surfaces
- Unlimited recementation of jacket crown inlays and onlays
- Unlimited Simple Tooth extraction except surgery for impaction
- Dentures and Orthodontics
- Adjustment of Dentures – limited to adjustment of clasp
- Orthodontic Consultation
- Aesthetic Dental Consultation
- Dental education and counselling
- Treatments
- Treatment for lesions, wounds and burns
- Treatment of Dental related pain excluding cost of prescribed medicines
- Relief and/or prescription for acute dental pain
- Emergency desensitization of hypersensitive teeth
- Gum Treatment(except gum surgery)excluding cost of prescribed medicines. This shall include the management of other dental problems excluding surgeries
Group Term Life Insurance With Insular Life
A financial assistance shall be given to the principal member’s beneficiary / ies in case of natural death..
Accidental Death and Disability
If the insured individual suffers, directly and independently of all other causes, any accidental bodily injury / loss within one hundred eighty days (180) days after due date of the accident causing the injury / loss, the Company shall pay the indemnities set in the Schedule of Indemnities.
LOSS | Indemnity |
Life | The Sum Insured |
Both Hands | The Sum Insured |
Both Feet | The Sum Insured |
Sight of Both Eyes | The Sum Insured |
One Hand and One Foot | The Sum Insured |
Sight of One Eye and One Hand; or Sight of One Eye and One Foot | The Sum Insured |
One Hand or One Foot or Sight of One Eye | 1/2 of the Sum Insured |
Program Features
Network of Accredited Providers | |
1. Hospital and Clinics | 1,019 |
2. Doctors | 32,000 |
3. Dentists | 2,071 |
4. Primary Care Centers | 1 |
Customer Care | |
1. 24/7 Hotline | Yes |
Membership Guidelines
- Membership Eligibility
- Principals – All regular employees age 18 to less than 65 years old
- Dependents
- Philhealth Provision – Integrated
Other Inclusive Benefits
1. Gullaine-Barre Syndrome | Up to MBL/PEC Limit |
2. Scoliosis, Spinal Stenosis and Kyphosis | Up to Php 25,000 |
3. All other physical deformities | Consultations only |
4. Chronic Dermatoses | Up to MBL/PEC Limit |
5. Chronic Glomerulonephritis and Pyelonephritis | Up to MBL/PEC Limit |
6. Poliomyelitis | Up to MBL/PEC Limit |
7. Slipped Disc | Up to MBL/PEC Limit |
8. Neurologic Diseases and Spinal Stenosis | Up to MBL/PEC Limit |
9. Diabetes and its Complications | Up to MBL/PEC Limit |
10. Malignant Tumor | Up to MBL/PEC Limit |
11. Sleep Study directly related to an organic illness | Up to PHP 5,000 |
12. Vitiligo and Psoriasis | Consultations only |
13. Pain Management | Up to P 3,000 per year |
14. Post-operative Analgesia | Up to P 3,000 per operation |
15. Insular Health Care Mobile App (IMA) | Covered |
16. VIP Program | Covered |
17. FREE Clinic Vouchers | Covered (1 Clinic Voucher for every 25 members) |
18. Access to Lifestyle Partners (Discount) | Covered |
19. Waiver of Application Form | Covered (if applicable) |
20. Experience Discount Benefit | Covered (if applicable) |
21. HMO Card | Released within 7 Working Days |
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Because human capital is the most crucial asset of all.

Insular Head Office
2/F Insular Health Care Building, 167 Dela Rosa corner Legazpi Street, Legazpi Village, Makati City 1229, Metro Manila, Philippines
Contact Numbers:
For inquiries:
(632) 813-0131 loc 8364
For member servicing:
(632) 813-0131 loc 8357 to 8360
24/7 support through InLife Health Care’s Call Center (Toll Free Number 1-800-10-8177857)