INLIFE ER CARE ALL-IN 100 

BENEFITS OVERVIEW

• In an emergency, you might not have a chance to think about how you’re paying for your medical bills. It’s best to stay safe with a healthcare plan that covers a wide range of emergency cases. InLife Health Care, one of the leading HMOs in the country, has you covered with their ER Care All-In Adults Plan.

• The ER Care All-In Adults 100 plan provides you inpatient care coverage of up to P100,000 for emergency cases due to accidents, viral and bacterial illnesses, and specific conditions in all Insular-accredited hospitals nationwide, excluding the top 6 hospitals).

• Benefit limit covers the following:

  • Doctor’s professional fee

  • Laboratory and diagnostic procedures

  • Emergency room care

  • Room accomodations (Private)

  • 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 P5,000 sublimit

  • Hospital cash allowance of P1,000 when confined

• Covers accidents that include, but are not limited to:

  • Accidents, excluding Cerebrovascular (Stroke)

  • Fractures

  • Burns

  • Animal bites, including first dose of vaccines

  • Cuts needing suturing

  • Sports injuries, both contact and non-contact sports (except professional sports and high-risk sports)

  • Accidental chemical poisoning

• Covers diseases that include, but are not limited to:

  • Acute Bronchitis

  • Acute gastroenteritis with dehydration

  • Acute tonsillopharyngitis with moderate dehydration

  • Acute Sinusitis

  • Acute tonsillopharyngitis

  • Acute Upper Respiratory Tract Infection

  • Amoebiasis

  • Cellulitis

  • Dengue Fever

  • Acute Pneumonia

  • Typhoid Fever

  • Urinary Tract Infection

  • SVI (systemic viral infection) with fever

  • Measles with high-grade fever

  • Chicken pox with complications

  • Leptospirosis

  • Polio

  • Cholera

  • Diphtheria

  • Pertussis

  • Tetanus

  • Rabies

  • Meningitis

  • Chikungunya

  • Malaria

  • Anaphylactic Shock

  • Acute Appendicitis

  • Acute Gastritis

• Note: 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 the effective date of coverage:

  • Any professional advice or treatment was given for such illness or condition;

  • Such illness or condition was in any way already known to the Member; or

  • 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 due to military, paramilitary, or police service

  • Injuries from high risk activities or suffered under conditions of war

  • Accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease

• Valid for ages 18 to 64 years old.

• One-time use. Multiple cards can be used in a year.

• Coverage is non-transferrable once activated

• Membership is valid for one year from time of activation

• Note: Make sure the voucher has been activated before availing.

Visit Insular Healthcare Partners for a list of accredited hospitals

Note: Prior to September 2022, Coconut VA issued Maxicare HMO cards. Those who were issued with a Maxicare card prior to September 2022 would still be able to use their cards until it is used up, or until date of validity. Upon renewal, you will be issued the new Inlife prepaid HMO card.