Inlife & Icare

28/05/2025

As an iCare Accredited Sales Partner (Health Insurance Broker), you gain access to a supportive environment designed to help you grow your business and provide valuable healthcare solutions to clients. iCare empowers its brokers with the necessary tools, support, and competitive incentives to thrive in the health insurance industry.

# # # Benefits and Advantages of Being an iCare Accredited Sales Partner:

* **Competitive Earning Potential:** You can earn more and grow more with competitive and flexible commission structures that are designed to match your efforts and hustle.
* **Comprehensive Support:** You'll receive extensive training and the backing of a trusted healthcare brand with over 30 years of industry experience. This includes seamless accreditation, ensuring you can start earning quickly.
* **Diverse Product Portfolio:** Access to a wide range of health plans, including flexible iCare Corporate Plans, top HMOs for professional organizations, and affordable healthcare packages for small enterprises. This variety helps you increase your income potential and cater to a broader client base.
* **Incentives and Recognition:** Opportunities to participate in sales drives and incentive-based travel opportunities, allowing you to combine work with adventure. You also get recognized and rewarded through Sales Excellence Awards.
* **Quality Solutions for Clients:** You will be able to offer clients quality, affordable, and flexible HMO plans that fit their specific needs, from comprehensive coverage to seamless HR management through user-friendly portals, and dedicated support every step of the way.
* **Building a Secure Future for Clients:** More than just selling HMO plans, you are helping companies provide security and peace of mind to their employees by offering comprehensive healthcare solutions that cover emergency care, preventive services, and access to an extensive provider network.

By partnering with iCare, you not only grow your own business but also play a crucial role in providing essential healthcare access and support to Filipinos.

For more detailed information on becoming an accredited health insurance broker with iCare, you can message me now!

iCare has championed affordable HMO in the Philippines for more than 3 decades. Know more about our HMO plans!

28/05/2025

iCare's Prepaid Plans offer a cost-effective, easy-to-use, and flexible healthcare solution, providing comprehensive coverage for a wide range of essential services without the complexity of traditional healthcare plans or hidden fees.

# # # Benefits and Advantages of iCare Prepaid Plans:

* **Cost-Effective:** Prepaid HMOs offer affordable healthcare coverage through a one-time payment, making them accessible to a broader audience without breaking the bank.
* **Easy to Use:** They come with straightforward terms and no monthly premiums, simplifying the healthcare experience.
* **Comprehensive Coverage:** These plans cover a wide array of essential services, including consultations, diagnostic tests, and emergency care, ensuring quality healthcare when needed most.
* **Flexibility:** Prepaid plans provide flexibility in choosing coverage that best matches individual needs and budgets.
* **Convenient Access:** Members can quickly access care without worrying about hidden costs or lengthy processing times, making healthcare more convenient and reliable.
* **No Hidden Fees:** With transparent pricing, you know exactly what to expect without unexpected costs.

# # # Available iCare Prepaid Plans:

Here are some of the iCare Prepaid Plans with their short summaries:

* **ER Care Basic 50:**
* **Summary:** Starts at Php 700. Provides up to Php 50,000 worth of outpatient emergency and inpatient coverage for emergency cases due to accidents. It is a one-time use health plan for adults aged 18 to 64 years old.
* **ER Care All-In:**
* **Summary:** Starts at Php 1,350 for Adults and Php 3,150 for Kids. Offers all-in protection against sudden medical emergencies, providing up to Php 100,000 worth of outpatient (ER treatment) and inpatient (confinement) care coverage for emergency cases due to accidents, viral/bacterial diseases, and specific conditions. This is a one-time use health plan valid for 1 year or until used. Options for kids (1-17 years old) and adults (18-64 years old) with varying benefit limits and room accommodations.
* **ER Care Booster:**
* **Summary:** Plan starts at Php 800. Covers ER treatment and confinement for accidents. There are variations like ER Care Booster 60, 80, and 100 with different benefit limits.
* **ER Care Choice:**
* **Summary:** Short-term coverage for ER treatment and confinement due to accidents and viral/bacterial illnesses. This series includes plans like ER Care Choice 10, 20, 30, and 50, with varying benefit limits (e.g., Php 30,000 for ER Care Choice 30). These are generally for adults aged 18 to 70 years old and are one-time use.
* **MedConsult Plan:**
* **Summary:** Includes face-to-face consultations (up to four), unlimited access to teleconsultations for one year, and unlimited dental consultation through iCare's Dental Network, along with services like oral prophylaxis and permanent fillings. This plan covers pre-existing and chronic conditions. It is available for Kids, Adults, and Seniors.
* **Total ProtectER:**
* **Summary:** Plan starts at Php 11,750. Provides up to Php 100,000 worth of coverage on emergency cases due to accidents and viral or bacterial illnesses, and specific conditions. It also comes with a Php 3,000 daily hospital income benefit and Php 500,000 life insurance coverage valid for 6 months.
* **K12 Health Cover/Dengue Flex:**
* **Summary:** Plan starts at Php 500. This is a short-term coverage for ER treatment and confinement due to accidents and viral/bacterial illnesses.
* **Maternity Care:**
* **Summary:** Covers comprehensive delivery and post-natal services, prenatal consultations, up to Php 100,000 Accidental Death and Dismemberment (AD&D) benefit, and newborn services.

For more detailed information, you can message me now.

iCare has championed affordable HMO in the Philippines for more than 3 decades. Know more about our HMO plans!

28/05/2025

Insular Life's "Wealth Assure Plus" is a customizable insurance product with an investment component, designed to give you control over your financial journey and adapt to your evolving priorities for life and health protection, savings, and investment.

# # # Key Benefits and Advantages of Wealth Assure Plus:

* **Personalized and Flexible Solution:**
* Allows you to chart a plan unique to your needs, with the ability to add or detach "boosters" (riders) throughout the plan's duration.
* Offers flexible payment and top-up arrangements that can adapt to your circumstances, including compressed payment options for quicker investment completion.
* Can be set up as a Variable Unit-Linked (VUL) plan, providing adaptability to changing goals and realities.

* **Increased Insurance and Living Benefits:**
* Provides a minimum insurance coverage that is 10 times your annual regular premium, or the policy's fund value, whichever is higher.
* Offers higher living benefits due to low charges, maximizing the growth of your investments.
* Increased protection can be achieved with an optional term insurance booster.

* **Accessible and Cost-Effective Investing:**
* Affordable premiums, with annual premiums starting as low as P10,000 and regular monthly top-ups as low as P500.
* Unlocks potential exponential growth through access to local and worldwide investment outlets backed by expert fund managers.
* A wide range of fund types are available based on your risk appetite, including Peso Money Market, Dollar Money Market, Fixed Income, Multi-Asset, Equity, Growth, and Technology Funds.

* **Comprehensive Protection and Goal Achievement:**
* A customizable insurance product that addresses multiple financial priorities, including:
* **Life Protection:** Provides substantial life protection, e.g., Php 5 Million coverage for a 30-year-old female with a 10-year paying period.
* **Health Protection:** Offers optional critical illness benefits to cover medical treatment costs, e.g., Php 1 Million for a 40-year-old female.
* **Education Plan:** Helps prepare for a child's college education, e.g., Php 1 Million for a 7-month-old child.
* **Retirement Fund Goal:** Assists in building a retirement fund, e.g., Php 2 Million in 15 years for a 45-year-old female.
* **Investment Goal:** Supports achieving specific investment goals, e.g., Php 1 Million in 10 years for a 30-year-old female.

* **Optional Riders for Enhanced Coverage:**
* **Renewable Term Insurance Rider (RTIR)**
* **Critical Illness Rider (CIR):** Provides additional benefits upon diagnosis of covered critical illnesses, including an accelerated benefit for Angioplasty.
* **Accidental Death Benefit (ADB)**
* **Waiver of Premium Benefit Rider (WPD):** Waives future premiums in case of total and permanent disability.
* **Diabetes Coverage Rider (DCR):** Provides lump sum cash benefit for dread diseases arising from diabetes complications.
* **Future Diabetes Endorsement (FDE):** Offers supplemental cash benefit for insulin-treated Type 2 Diabetes Mellitus.
* **Hospitalization Allowance Rider (HAR):** Provides daily cash benefit for hospital confinement.
* **Payors Rider (PR):** Frees the policyowner from paying future premiums if they pass away during the paying period.
* **Payor's Waiver of Premium Benefit Rider (Payor's WPD):** Waives future premiums if the policyowner becomes totally and permanently disabled.

For more detailed information, you can Message me now.

Secure your future with the assistance of a trusted Philippine mutual life insurance company. With InLife, you can be financially prepared. Visit us today.

28/05/2025

Insular Life's "Resilience Plan" is a limited-pay whole life and health insurance solution designed to provide crucial financial support and peace of mind in the event of a life-threatening illness. It offers comprehensive coverage against a wide range of critical illnesses and aims to help you cope with the financial impact of such diagnoses.

# # # Key Benefits and Advantages of Resilience Plan:

* **Protection Against High Costs:** Provides a guaranteed lump sum cash payment upon diagnosis of a covered major critical illness, helping to mitigate the significant financial burden of treatment and related expenses without depleting your savings.
* **Comprehensive Critical Illness Coverage:** Covers a broad spectrum of critical illnesses. For example, the "Critical Illness Extra" variant covers 84 major and 39 minor critical illnesses. There are also specific variants for "Cancer, Heart Attack, and Stroke" and "Female Cancers" (covering 9 female-specific cancers).
* **Accelerated Cash Payouts:** Receive an advance of your life insurance benefit (equal to 100% of the sum insured) upon diagnosis of a covered major critical illness.
* **Hospitalization Allowance:** Provides a cash allowance for hospitalization due to a covered disease, further easing financial stress.
* **Lifetime Financial Security:** Offers coverage up to age 99, ensuring long-term protection. The payment period is limited, typically 10 years.
* **Good Health Cash Rewards:** Policyholders may receive cash rewards if they maintain good health throughout the policy period.
* **Additional Health Benefits (for certain variants):**
* **Late-Stage Cancer Benefit:** Provides an additional payout (e.g., 15% of sum insured) upon diagnosis of a late-stage cancer.
* **Critical Illness Buyback Benefit:** Allows for a second critical illness coverage (e.g., 100% of sum insured upon diagnosis of Cancer, Heart Attack, or Stroke) after a period following a first major critical illness claim.
* **Flexible Options:** Allows for customizable coverage options to tailor benefits to specific needs and preferences.
* **Optional Riders:** Enhance your protection with riders such as:
* **Accidental Death Benefit (ADB)**
* **Waiver of Premium Benefit Rider (WPD):** Waives future premiums if the insured becomes totally and permanently disabled.
* **Payors Rider (PR):** Waives future premiums if the policyowner dies within the paying period.
* **Waiver of Premium Supplementary to Payor's Rider (PR-WPD):** Waives future premiums if the policyowner becomes totally and permanently disabled.
* **Peace of Mind:** Provides a safety net for both policyholders and their families, ensuring access to necessary care without undue financial strain.
* **Inflation Protection:** Some policies may offer features that increase benefit limits over time to counter rising healthcare costs.
* **Cash Benefit (if no critical illness claim):** If no critical illness claim is made, the insured may start receiving a cash benefit (e.g., 8% of the sum insured) from age 65 (depending on issue age) and every five years thereafter until age 85.

For more detailed information, you can Message me now.

Secure your future with the assistance of a trusted Philippine mutual life insurance company. With InLife, you can be financially prepared. Visit us today.

28/05/2025

Insular Life's "Retire Assure" is a pioneering retirement insurance product in the Philippines designed to provide a secure and worry-free retirement. It offers guaranteed income and flexible options to ensure financial stability in your golden years.

# # # Key Benefits and Advantages of Retire Assure:

* **Guaranteed Monthly Income:** Receive a guaranteed monthly income starting at age 60 or 65, which can last until age 100, ensuring a steady stream of funds throughout your retirement.
* **Potential for Income Growth:** Your monthly income has the potential to increase further through additional cash dividends, helping your payouts keep pace with your lifestyle over time.
* **Easy Application Process:** Enjoy a hassle-free application with no medical check-ups required, making it accessible to a broader range of individuals.
* **Flexible Payment and Payout Options:**
* **Payment:** Choose from annual, semi-annual, quarterly, or monthly premium payment modes.
* **Payouts:** When you retire, you can choose a peso bank account where you will conveniently receive your monthly payouts and dividends.
* **Life Insurance Protection:** The plan includes a life insurance component, where beneficiaries receive the higher of 110% of your total premiums paid (less any payouts received) or the guaranteed cash value, in case of your passing.

Retire Assure is designed to remove the guesswork from retirement planning, allowing you to live life to the fullest without concerns about outliving your savings or burdening your loved ones with future financial needs.

For more information, you can message me now.

Secure your future with the assistance of a trusted Philippine mutual life insurance company. With InLife, you can be financially prepared. Visit us today.

28/05/2025

Insular Life's "iProtect Plan" is an affordable and flexible term life insurance solution designed to secure your financial future. It caters to various needs, from young adults to those needing mortgage protection, including overseas Filipino workers and aspiring homeowners.

# # # Key Benefits and Advantages of iProtect Plan:

* **Affordable Financial Solution:** It's designed to be budget-friendly, with premiums potentially as low as Php 21 per day (for a female insured, age 30, with 1M Sum Insured).
* **Flexible Coverage Terms:** You can choose to be covered annually, for five, or ten years, with the option to renew the terms as long as needed. It comes in three variants: Yearly Renewable Term (YRT), 5-Year Renewable Term (5YRT), and 10-Year Renewable Term (10YRT).
* **Significant Life Insurance Benefit:** Provides a death benefit equivalent to 200% of your chosen coverage amount, offering substantial financial protection for your beneficiaries.
* **Automatic Renewability:** The policy automatically renews at the end of its term, ensuring continuous coverage.
* **Convertibility Option:** Allows you to convert your policy to an investment-linked or permanent insurance product, providing long-term flexibility.
* **Optional Riders for Enhanced Protection:** You can add various riders to customize and enhance your coverage, including:
* **Accidental Death Benefit (ADB)**
* **Waiver of Premium Benefit Rider (WPD)**
* **Hospitalization Allowance Rider (HAR)**
* **Critical Illness Rider (CIR)**

For more information, you can message me now!

Secure your future with the assistance of a trusted Philippine mutual life insurance company. With InLife, you can be financially prepared. Visit us today.

28/05/2025

iCare's HMO for individuals offers comprehensive and flexible coverage designed to meet diverse healthcare needs, ensuring access to quality medical care without excessive out-of-pocket expenses. The plan provides peace of mind by adapting to various lifestyles and budgets.

Here are the key benefits and advantages of the iCare Individual Plan:

# # # Benefits and Advantages

* **Comprehensive and Flexible Coverage:** Plans are tailored to fit different lifestyles and budgets, offering adaptable coverage for unique healthcare requirements.
* **Extensive Network:** Access to a wide network of accredited hospitals, clinics, and doctors, providing freedom in choosing where and how to receive care.
* **Budget-Friendly Plans:** Designed to be affordable, helping to manage healthcare costs effectively.
* **Value-Added Benefits:** Beyond standard medical care, iCare aims to provide additional value to its members.

# # # Key Coverage Inclusions

* **Out-Patient Benefits:**
* Annual physical examination.
* Preventive health care (e.g., immunization, consultation, advice on diet and exercise).
* First-aid treatment.
* Laboratory diagnostic procedures.
* **In-Patient Benefits:**
* Room and board.
* Services of all accredited specialists.
* General nursing services.
* Other hospital charges deemed medically necessary by an iCare accredited physician.
* **Emergency Care Benefits:**
* No charge for emergency care services administered in any iCare accredited hospital/clinic for genuine emergency cases.
* **Hospital Access Types:**
* Nationwide Access (with or without access to Top 6 Hospitals).
* Luzon Access only (excluding NCR).
* VisMin Access only.
* **Maximum Benefit Limit (MBL):**
* Varies per person per illness or injury annually, depending on the member's Room Accommodation/Plan Category.
* **Life Insurance Benefit:**
* Minimum coverage of Php 10,000.
* Maximum coverage of Php 50,000.
* **Optional Dental Benefits:** Available as an add-on.

For more detailed information, you can message me now.

iCare has championed affordable HMO in the Philippines for more than 3 decades. Know more about our HMO plans!

09/05/2025

07/05/2025

Ask for your budget deal sakto sa budget and needs. DM na

07/05/2025

Discover your full potential, inquire for your opportunity with Insular and Icare HMO. MESSAGE is the key!
Jesse Lim Unit Manager & Financial Advisor

05/05/2025

Need HMO? Icare HMO, providing medical needs. Individual or Family plans we got you! Ask for your personal HMO ontop of your employment provided HMO. WWW.ICARE.COM.PH

Available:
Plans
Prepaid plans

inquire is the key!

iCare has championed affordable HMO in the Philippines for more than 3 decades. Know more about our HMO plans!

21/04/2025

Insular Life New Logo Same Mission