ICARE
Frequent
ask question:
"Pare-pareho
lang ang package 'nyo with other HMOs. Ano ang ipinagkaiba nyo sa kanila?"
"I-CARE has one of the best if
not the best standard package in the industry. I-CARE also covers some
conditions that are not covered by others.
There are also many HMOs who came and are gone. This is where I-CARE has the most competitive
edge in the industry - STABILITY. I-CARE is a subsidiary of the oldest and only
mutualized Filipino life insurance company, INSULAR LIFE ASSURANCE COMPANY,
which has been in the business for more than 99 years. Click here to find out
why you should choose I-Care.
"We are a group/company scouting for an
HMO provider. Why do you ask for a list
of employees, nag-ca-canvass pa lang kami?
I-Care's corporate/group rates depend
on the age profile of the group. We have
no standard rate for group accounts.
Hence the need for the list of employees. The list being required does not have to
contain the names of the employees. The
most important data is the date of birth or age of the employees. All information you will submit will be
strictly confidential.
What
kind of "private " room does your Private Plan covers?
All our Private Room plan is
"open type". If for example
you enrolled under Private, whatever kind of private room is available during
you confinement, it will be your room accommodation. Kung P1,500 yung private
room then it is going to be your room. Kung 3,000 so be it. However, in
hospitals with different kinds and rate of private rooms, the
"step-ladder" rule shall apply, where you have to start from the
lowest available.
"
Hindi na kailangan yan, meron na kaming PHILHEALTH."
This is one of the most common
misconception about Philhealth. Philhealth benefits are limited, usually about
30% of your hospital bills. You will have to shoulder the 80% of the bill. And
besides, PHILHEALTH has no outpatient benefits. Kung magpa-check-up ka, hindi
covered ng PHILHEALTH, hospitalization lang ang covered nila. If you are a
member of PHILHEALTH and have no means to pay big hospital bills you will have
to settle with a government hospital sa ward section. With I CARE, pwede ka sa
private room without having to pay for anything.
"Ano
naman ang mangyayari sa Medicare/Philhealth ko?
I-CARE Corporate or Group Plan is
integrated with PHILHEALTH and/or ECC.
Therefore, benefits under PHILHEALTH and/or ECC to which the member is
entitled to shall be deducted from the claim cost in the computation of
benefits under the program, unless otherwise agreed upon. I-CARE shall pay all hospitalization bills in
excess of PHILHEALTH benefits. On the other
hand, our Family/Individual is NOT integrated with benefits under PHILHEALTH or
ECC. If the member is entitled to such
benefits, he/she should file for reimbursement directly with PHILHEALTH or ECC.
Meaning, under Family/Individual, I-CARE will shoulder everything and it is up
to the member to file for benefits claim with PHILHEALTH.
"Ano
ba ang PEC o Pre-existing condition?"
Pre-existing condition or PEC is any
illness that you may have during the time of your enrollment whether you are
aware of it or not. Ito ay hindi covered during the first year of membership.
However, it will be covered kung mag-re-renew ka sa susunod na year. The only
condition is that you should declare/disclose it during your enrollment. Kung
hindi mo i-declare, ma-de-deny ang availment mo for such illness.
"What
if I don't get hospitalized within the year of my plan? Sayang lang ang
ibinayad ko!"
Hindi ba mas mabuti yong hindi kayo
naospital? That means you're healthy! And we wish to assure you that hindi
sayang yong ibinayad ninyo. You see, this health care package covers cases
which do not require hospitalization. Pati 'yung mga check-up covered rin. Kaya
wala kang worry about paying for other fees, like CBC, urine test, and all
other laboratory expenses. Please click
here to see our out-patient benefits.
"Marami kami! Isang buong kumpanya. Meron
ba kaming discount 'dyan?
Of course! Our group plan rates are
very competitive and are lower than the regular rates. Also you can also have
your dependents covered, asawa, anak, magulang, kapatid (Huwag lang
kapitbahay). The more the merrier! Kung gusto mong group plan quotation click
ka dito.. O kaya click ka dito to see our Group Plan page
Kung
magpunta ako sa abroad, covered pa rin ba ako?
We
do not have accredited hospitals abroad.
Puwede
ba yung anak/baby ko lang ang e-enroll ko?
Kung meron ka nang HMO membership sa ibang
HMO puwedeng mag-enroll yung anak mo lang. Pero kung wala ka pang HMO,
kailangan both the parents should enroll para makapag-enroll din yung anak.
Pa'no
yun kung kaming magkapatid gustong mag-enroll? Ako 27, s'ya ay 23.
No
problem! Puwede kayong mag-enroll pareho both as principal
Puwede
bang open yung hospital or doctor? Yun bang kahit saan ko gusto?
Under HMO practices, availments should
be with an accredited hospital and accredited doctor. While you may go to any
doctor or hospital you like, availments through them are not covered under the
program
Marami
kami. Isang buong angkan. Gusto namin i-waive 'nyo yung "Pre-existing
condition".
Puwede
yan. Pre-existing condition is covered after one year of membership.
Meron
ba kayong maternity benefits?
Subject to special arrangements
maternity benefits can be covered under "group plan" or
"corporate" with at least 25 female employees. However, pre-natal check-up and counseling is
covered.
Kung
mag-enroll ako ngayon at magbayad, covered ba ako agad?
Processing time is at least one week.
Upon approval, you may start using your benefits. Under a corporate
arrangement, effectivity is upon mutual agreement.
"O
sige na nga, kumbinsido na 'ko. Ano ngayon ang gagawin ko?"
All you have to do is contact us at
782-22-20 or 0917-8192590 for details on how to enroll. Or you may email us at sales@icare.net.ph
"What
are the requirements kung mag-e-enroll?
You just have to fill up application
form and summary of benefits. YOU SHOULD
DISCLOSE YOUR PRE-EXISTING CONDITION ON THE APPLICATION FORM. A MEDICAL
CERTIFICATE STATING THE STATUS OF YOUR PRE-EXISTING CONDITION AND THE
MEDICATION TREATMENT BEING DONE MAYBE REQUIRED.
"If
my doctor is holding clinic in an accredited hospitals, but he is not an
accredited doctor will I-Care cover consultations with him?
I-Care has a pool of doctors and
specialists equally good as your doctor. In the first place if your doctor is
not accredited, he will not honor your health card.
Contact
: Mr. Raul
0063
917 8192590
0063
2 7822220
(office hours only Monday to
Friday)
