Insular Life Prepaid Health Cards

6 min read By eCompareMo on October 23, 2022

As one of the famous sayings goes, “Health is wealth”. Our physical well-being should be our top priority which comes along with our mental, spiritual, and holistic welfare. We know that we can never be prepared enough to face it when the reality of health emergencies hit us but proper healthcare doesn’t have to be expensive. All you have to do is find the right tools and investment.

One of the most common investments that we can put our money in are prepaid health cards. A prepaid health card is a healthcare product similar to the usual comprehensive Health Maintenance Organizations or HMO you’re probably familiar with–except that it comes with a smaller coverage within a specific period of time and at a lower cost. In some instances, this can be a combination of coverages in addition to several benefits such as life insurance and dental services.

To those who don’t have HMO, this would be a perfect alternative, especially with affordable one-time payments. 

So, if you’re looking for a prepaid health card that will cover you during unexpected medical emergencies, we’ve got you! In this article, we list down the different types of prepaid cards offered by Insular life through eComparemo.

Sit back, relax, and enjoy because tomorrow, you’ll be healthy and wealthy by starting the right track to a healthier, wealthier life with Insular life.

Prepaid Health Plans

1. BASIC

1. ER BASIC 50

• PRICE: 700PHP
• Outpatient care for emergency cases due to accidents
• Up to Php 50K benefit limit 
• Services include: Outpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• For adults, 18-64 years old 
• 1 year validity, One-time use only

2. BOOSTER

1. ER BOOSTER 60

• PRICE: 800PHP
• Outpatient and inpatient care for emergency cases due to accidents
• Up to 60k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, ward room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 300PHP.
• With hospital cash allowance worth 1k when confined
• For adults, 18-64 years old
• One-time use only, 1 year validity

2. ER BOOSTER 80

• PRICE: 900PHP
• Outpatient and inpatient care for emergency cases due to accidents
• Up to 80k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, semi-private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 200PHP.
• With hospital cash allowance worth 1k when confined
• For adults, 18-64 years old
• One-time use only, 1 year validity

3. ER BOOSTER 100

• PRICE: 1,000PHP
• Outpatient and inpatient care for emergency cases due to accidents
• Up to 100k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, regular private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 200PHP.
• With hospital cash allowance worth 1k when confined
• For adults, 18-64 years old
• One-time use only, 1 year validity

3. ALL-IN ADULTS

1. ER Care All-In 80 Adults

• PRICE: 1,350PHP
• Outpatient and inpatient care for emergency cases due to accidents, viral and bacterial cases, and specific conditions 
• Up to 80k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, semi-private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 700PHP
• With hospital cash allowance worth 1k when confined
• For adults, 18-64 years old
• 1 year validity, One-time use only

2. ER Care All-In 100 Adults

• PRICE: 1,750PHP
• Outpatient and inpatient care for emergency cases due to accidents, viral and bacterial cases, and specific conditions 
• Up to 100k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, regular private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 700PHP
• With hospital cash allowance worth 1k when confined
• For adults, 18-64 years old
• 1 year validity, One-time use only

4. ALL-IN KIDS

1. ER Care All-In 60 Kids

• PRICE: 3,150PHP
• Outpatient and inpatient care for emergency cases due to accidents, viral and bacterial cases, and specific conditions 
• Up to 60k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, ward room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 2000PHP
• With hospital cash allowance worth 1k when confined
• 1-year access to over-the-phone/telemedicine access with MyPocketDoctor
• For kids, 1-17 years old
• 1 year validity, One-time use only

2. ER Care All-In 80 Kids

• PRICE: 4,150PHP
• Outpatient and inpatient care for emergency cases due to accidents, viral and bacterial cases, and specific conditions 
• Up to 80k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, semi-private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 2000PHP
• With hospital cash allowance worth 1k when confined
• 1-year access to over-the-phone/telemedicine access with MyPocketDoctor
• For kids, 1-17 years old
• 1 year validity, One-time use only

3. ER Care All-In 100 Kids

• PRICE: 5,150PHP
• Outpatient and inpatient care for emergency cases due to accidents, viral and bacterial cases, and specific conditions 
• Up to 80k worth of coverage with corresponding hospital room type
• Services include: Outpatient and inpatient emergency care, regular private room use, laboratory and diagnostic procedures, and medicines as medically required. It is accepted in more than 500 IHC-accredited hospitals nationwide (excluding the Top 6 hospitals)
• You have the option to add access to the Top 6 hospitals for only 2000PHP
• With hospital cash allowance worth 1k when confined
• 1-year access to over-the-phone/telemedicine access with MyPocketDoctor
• For kids, 1-17 years old
• 1 year validity, One-time use only

5. MedConsult Kids

• PRICE: 3,000PHP
• 4 face-to-face medical consultation
• 1-year access to telemedicine through MyPocketDoctor
• Unlimited dental consultation to IHC dental network
• For kids, 1-17 years old
• Multiple use 1 year validity

6. MedConsult Adults

• PRICE: 2,500PHP
• 4 face-to-face medical consultation to all Insular Health Care-accredited general physicians, family medicine specialists, internal medicine specialists (with subspecialties in cardiology, gastroenterology, pulmonology, endocrinology, infectious medicine, nephrology, urology, rheumatology, oncology, hematology, and allergology), general surgeons, orthopedic doctors, ENT, and rehabilitation medicine specialists.
• 1-year access to telemedicine through MyPocketDoctor
• Unlimited dental consultation to IHC dental network
• For adults, 18-65 years old
• Multiple use 1 year validity

 7. MedConsult Seniors

• PRICE: 3,500PHP
• 4 face-to-face medical consultation to all Insular Health Care-accredited general physicians, family medicine specialists, internal medicine specialists (with subspecialties in cardiology, gastroenterology, pulmonology, endocrinology, infectious medicine, nephrology, urology, rheumatology, oncology, hematology, and allergology), general surgeons, orthopedic doctors, ENT, and rehabilitation medicine specialists.
• 1-year access to telemedicine through MyPocketDoctor
• Unlimited dental consultation to IHC dental network
• For Adults, 65 years old and up
• Multiple use 1 year validity

Don’t hold off on protecting your health and your loved ones. Prepaid health cards are a worthy expenditure because they are a safeguard to perhaps the best investment you’ll ever have: your health. And they’re available to you in the most affordable and convenient way possible.