Community Care Membership Card aims to create a membership card that benefits our members at a reasonable cost. To do this, we partner with different companies to provide various benefits to our members.

There are two kinds of health cards in the Philippines - Prepaid and Comprehensive. Community Care is a prepaid health program with limited benefits compared to a comprehensive health card. However, it is very affordable compared to a comprehensive health card.

Community Care is not an insurance company. The health and insurance benefits provided to our community members are from our partner insurance company - iCare. However, our unique product can only be purchased through our website. The terms and conditions of our Insurance Partner are the basis of our terms and conditions for the health and insurance benefits stated below and may be subject to change by the Insurance Partner without prior notice. All these terms and conditions can be verified on our partner's websites.

Your membership to Community Care includes health benefits. These health benefits are accepted in almost all hospitals nationwide through our partner iCare. For a list of accredited hospitals, visit https://communitycareph.com/accredited

To purchase or renew, please go to our main page at https://communitycareph.com and pay online via Dragon Pay: Bank Deposit or GCash.

Accepted ages of nominated members: 

For Adult Plan - 18 yrs old to 64 yrs old

For Kids Plan - 15 days old to 17 yrs old

For Senior Plan - 65 yrs old to 75 yrs old renewable up to age 80

Effectivity Period: The effectivity date and end date of your health and insurance coverage will be sent to you via email upon approval of the application. The expiry date will also be indicated in the physical card delivered to your preferred mailing address. For first-time applicants, the effective date is 30 days after receipt of payment and approval by the insurance company. You will receive an email with the card details once the application has been approved.

For renewal of membership: if you renew before the expiry date and have no recent confinement within one year, your next effective date is after the expiry date. If there was a prior confinement, then the effective date will be 30 days after receipt of payment and approval by the insurance company. 

Your membership to Community Care includes the following health and insurance benefits:

A. OVER THE PHONE DOCTOR'S CONSULT

B. FACE-TO-FACE DOCTOR'S CONSULT

C. EMERGENCY IN-PATIENT CONFINEMENT SERVICES (Full benefit for Adults and Kids. For Seniors 65yo and up, limited to accident confinements only)

D. DISCOUNTED MEMBERSHIP RENEWAL FEE

E. FUNERAL & BURIAL CASH ASSISTANCE (Full benefit for Adults and Kids. No benefit for Seniors 65yo and up)

F. CRITICAL ILLNESS BENEFIT (Heart Attack, Stroke, Cancer, Coronary Artery Surgery, Renal Failure, Major Organ Transplant. Full benefit for Adults. No benefit for Kids and Seniors 61yo and up)

G. DENTAL SERVICES (OPTIONAL)

H. ANNUAL PHYSICAL EXAM (OPTIONAL)

Details are as follows:

A. UNLIMITED DOCTOR'S CONSULTATION VIA VIDEO CALL

• 1-year unlimited medical consultation via video call with our on-call doctors (see our website's availment procedures to know how to do an online doctor's consultation)

• Doctor's consult can be used for almost all kinds of medical conditions.

• Get a diagnosis of your medical condition. Know if you need to see a doctor face-to-face before going face-to-face. Save on travel time and gas expenses.

• Get medicine prescriptions that you can show to the pharmacy. 

• Get laboratory requests so that you can have a laboratory test done and then interpreted by the on-call doctors.

• Prevention is better than cure. Time and money spent preventing a full-blown disease are lesser than getting confined.

• For emergency cases such as severe pain or bleeding, please go immediately to the Emergency Room of your nearest hospital.

B. FACE-TO-FACE DOCTOR'S CONSULT

• Maximum of two (2) out-patient face-to-face medical consultations with iCare accredited doctors in a clinic setting. Avail this if online consultation is not practical and face-to-face consultation is needed.

• Before availing of this benefit, please make sure that you call iCare and ask for a Letter of Authorization (LOA). Do not go immediately to our accredited doctors without an LOA. See instructions on how to get LOA by going here: https://communitycareph.com/accredited

• The benefit covers the professional fee the medical doctor charges for consultation.

• Consultation with accredited doctors who are general practitioners and those with the following specializations such as:

o Family Medicine

o Cardiology

o Endocrinology

o Urology

o Hematology

o General Surgery

o Dermatology

o Pediatrics

o Gastroenterology

o Infectious Medicine

o Rheumatology

o Allergology

o Orthopedics

o Ophthalmology

o Obstetrics-Gynecology

o Pulmonology

o Nephrology

o Oncology

o Rehabilitation Medicine

o Otorhinolaryngology (ENT)

C. EMERGENCY IN-PATIENT CONFINEMENT SERVICES

(Full Benefit for Adults and Kids. However, Seniors 65 and up are covered for accidents only)

• For emergency cases, please proceed directly to the Emergency Room and mention that you are insured with iCare.

• Annual Benefit Limit of P80,000 (semi-private) or P100,000 (private). Maximum of 1 confinement per card. You can purchase another card 30 days after discharge.

• For the confinement to be covered, it must be categorized as an emergency caused by the following:

1. Accident

2. Bacteria

3. Virus 

• Pre-existing conditions, lifestyle, and hereditary diseases shall not be covered. Self-inflicted injuries shall not be covered.

 • No recent out-patient consultation should have been done for such confined condition to be considered an emergency.

This plan covers accidents that include, but are not limited to:

● Accidents, excluding Cerebrovascular (Stroke) 

● Fracture, new

● Burns, new

● New animal bites, including first dose of vaccines 

● Cuts, new, needing suturing

● Sports injuries, contact and noncontact sports, excluding professional sports and high-risk sports

● Accidental chemical poisoning 

If the nominated member is less than 65 yrs old, this plan also covers non-accidental confinements due to bacterial or viral disease 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

"An emergency case is a sudden, unexpected onset of illness or injury having the potential of causing immediate disability or death, or requires the immediate alleviation of severe pain and discomfort."

"Accident means a visible, external, sudden and violent event occasioned by a physical or natural cause and occurring entirely beyond the Members' control causing damage to the health of the Member."

"Bacterial and viral infections are caused by microbes - bacteria and viruses that can cause mild, moderate, and severe diseases."

• For a complete list of accredited hospitals of the health benefits, please visit this link: https://communitycareph.com/accredited

• Patients must go to the emergency room only to avail of this benefit

• One-time use of in-patient benefits only. Once the in-patient benefit is used, any unused limits (80,000 max limit for semi-private or 100,000 max limit for private) will be forfeited. The Member insured needs to purchase another Community Care membership to be covered again for in-patient benefits. Other unused benefits, such as the doctor's consultation, may still be used as long as the membership has not expired.

• Out-patient care and in-patient care for emergency cases due to accidents, viral/bacterial illnesses, and specific conditions covers (as deemed medically necessary):

  ✓ Doctor's professional fee

  ✓ Laboratory and diagnostic procedures

  ✓ Emergency room care

  ✓ Regular semi-private/private room accommodations

  ✓ Medicines as medically necessary in the ER and during confinement.

  ✓ Surgery and surgeon's fees 

  ✓ Use of operating room, recovery room, and ICU

  ✓ Special modalities of treatment as medically required in emergency room care and confinement, and subject to Php 5,000 standard limit.

D. DISCOUNTED MEMBERSHIP RENEWAL FEE

If the Member insured is confined due to a covered emergency, a P1,000 cash benefit will be deposited to the chosen bank account of the payor. Kindly contact us to receive these benefits.

E. FUNERAL & BURIAL CASH ASSISTANCE

(Full benefit for Kids and Adults. No benefit for Seniors 65yo and up)

Beneficiaries of Member insured who die due to sickness or accident shall receive a lump sum cash benefit which may be used for funeral or burial expenses.

Please see the requirements below to receive the P50,000 burial assistance or P100,000 accidental death assistance. (Total maximum death benefits of P100,000 per Member only)

Principal Member (all two requirements below must be met):

1. If new Member, must be 18 to 60 yrs old upon application

2. If renewing Member, can be covered until age 65

For Dependents (has a parent who is also actively insured - all three requirements below must be met):

1. Minor dependents must be 15 days to 21 yrs old upon application

2. Parent must be actively insured upon application of minor

3. Children below age 18 will not be covered if parents not insured

To claim the death benefits, please contact us at 0905-FINANCE or 0905-3462623.

F. CRITICAL ILLNESS BENEFIT

(Full benefit for Adults. No benefit for Kids and Seniors 65 yo and up)

This benefit is provided through a critical illness benefit from Insular Life. No critical illness benefit will be paid if the illness occurs within three (3) months from the effective date. This benefit is paid after 30 days from diagnosis of the critical illness. The following are the rules regarding this benefit from Insular Life:

Please see the requirements below to receive the P50,000 critical illness benefit:

All two requirements below must be met:

1. If new Member, must be 18 to 60 yrs old upon application

2. If renewing Member, can be covered until age 65

Critical illness shall be limited to the following illnesses, as herein defined: 

a) Chronic Renal Failure - the end-stage renal failure presenting a chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is instituted.

b) Coronary Artery Bypass Surgery - the actual undergoing of open chest surgery to correct two or more coronary arteries, which are narrowed or blocked by coronary artery bypass graft (CABG), causing inadequate myocardial blood supply. The surgery must have been proven by means of the coronary angiography. Laser therapy angioplasty and/or any other intra-arterial procedures are excluded from this definition. 

c) Myocardial Infarction-the death of a portion of the heart muscle as a result of inadequate blood supply. Diagnosis must be based on: 1) electrocardiographic changes; and 2) higher level of cardiac enzymes above standard laboratory level of normal 

d) Major Organ Transplant Surgery - the human to human organ transplant from a donor to the insured as donee, of one or more of the following organs – kidney, heart, lung, liver, pancreas, or the transplantation of bone marrow. The transplantation of an other organ, only part of an organ or any other tissue transplant are excluded from this definition. 

e) Malignant Cancer - the presence of one or more malignant tumors, including malignant lymphoma, Hodgkin's disease, leukemia and malignant bone marrow disorders, and is characterized by the uncontrolled growth and spread of malignant cells and the invasion and destruction of normal tissue, but does not include the following: 

1) tumors which are histologically described as pre-malignant or showing the malignant changes of 'carcinoma in situ" and not requiring radical surgery; 

2) skin cancers and melanomas except where a malignant melanoma is equal to a greater than clark level 3 or 1.5mm depth or invasion; or 

3) prostatic cancers which are histologically described as TNM Classification T1 or are of another equivalent or lesser classification

f) Stroke - any cerebrovascular accident or incident producing neurological sequelae lasting more than twenty-four (24) hours. This includes infraction of brain tissue, intracranial or subarachnoid hemorrhage, embolisation from an extracranial source. Transient ischaemic attacks, cerebral symptoms due to migraine and vascular disease affecting the eye or optic nerve are excluded. 

CRITICAL ILLNESS RISKS NOT COVERED

a. The relevant Critical Illness Condition was caused directly or indirectly by: 

1) addiction to alcohol or drugs 

2) disease in the presence of an HIV infection 

3) attempted suicide or intentional self-inflicted injury by the insured. 

b. Advice or treatment of the Critical Illness was sought or obtained from a medical practitioner, chiropractor, naturopath, or any other practitioner of a similar kind within twelve (12) months immediately prior to the effective date of coverage of the insured Member. 

c. The Critical Illness occurs within three (3) months of the effective date of this Rider. 

d. Death occurs within thirty (30) calendar days of occurrence or diagnosis of Critical Illness

To claim the Critical Illness Benefits, please get in touch with 0905-FINANCE or 0905-3462623.

OPTIONAL SERVICES:

G. DENTAL SERVICES (For an additional fee)

● One-year unlimited dental consultations with iCare's network of dentists and selected dental services

PREVENTIVE SERVICES

  ● Unlimited Dental Consultations 

  ● One (1) Oral Prophylaxis/Cleaning per year (mild to moderate only)

  ● Annual Dental Examination

RESTORATIONS

  ● Unlimited Temporary Fillings

  ● Three (3) surfaces Amalgam Filling or two (2) surfaces Light Cure Fillings

  ● Recementation of jacket crown inlays and onlays

  ● Unlimited Simple Tooth extraction

DENTURES & ORTHODONTICS

  ● Adjustment of Dentures

  ● Orthodontic consultation 

  ● Aesthetic Dental Consultation 

TREATMENTS

  ● Treatment of dental-related pain (excluding cost of prescribed medicines)

  ● Relief and/or prescription for acute dental pain

  ● Treatment for lesions, wounds and burns 

  ● Emergency desensitization of hypersensitive teeth 

The Member can avail from 5% up to 30% discount for these services:

  ● Dentures, jacket crown, braces and other orthodontic appliances

  ● Aesthetic procedures (teeth whitening)

  ● Rebase/reline/repair/of dentures

  ● Surgical removal of impacted tooth

To avail of the dental services above, please go to www.fildoc.com and call them for an appointment with a dentist (0925-7286830, 0939-9223580, 0918-9905239), mention that you are insured under iCare and ask for the nearest dentist near you and then request for a Letter of Authority (LOA) which you will give to the dentist upon visit. Please only go to the dentist with an LOA.

H. ANNUAL PHYSICAL EXAM

Benefits vary on the type of APE package purchased.

FREQUENTLY ASKED QUESTIONS

1. Can I use a non-accredited hospital?

You may not use the health benefits in non-accredited hospitals. The list of accredited hospitals is on this website: https://communitycareph.com/accredited

However, most major hospitals are most likely accredited with iCare. If your health plan includes Top 6 Hospitals, you may also use the Top 6 hospitals: Makati Medical Center, Asian Hospital Medical Center, Cardinal Santos Medical Center, The Medical City, St. Luke's Medical Center in BGC and Quezon City.

2. May I be admitted to the most expensive room in an accredited/preferred hospital even if such room classification is not under my plan?

Any upgrading to a more expensive room not covered in your plan when a cheaper one is available shall entail corresponding charges, which shall be imposed on the Member.

3. Will iCare allow me to use my non-accredited personal doctor considering that my physician already knows my medical history?

No, care by a non-accredited physician is not entitled to health care benefits as stipulated in the Agreement. Nonetheless, iCare will facilitate continuity of care through its line-up of qualified specialists.

4. If the in-patient benefit limit is not wholly consumed, can I use the health benefits again in the future?

The in-patient health benefit is for one-time use only, even if the total annual benefit limit is consumed or not. The advantage of this health voucher is its high benefit limit yet maximum affordability. You may still purchase another card again.

5. Is PhilHealth coverage needed to use the health benefits?

Yes. Once there is an admission, PhilHealth coverage is required since it also covers in-patient care. However, for those who do not have PhilHealth coverage, one may pay the PhilHealth portion of the hospital bill before discharge.

6. How many times can I register for health benefits under iCare's Emergency Benefits?

A person can only be covered by one (1) product offering emergency care benefits under iCare at any point in time. 

7. What are the special modalities covered by ER Care All 100 Adults?

Special Modalities as medically needed subject to Php 5,000 sublimit:

   ● Laparoscopic procedures 

   ● Magnetic Resonance Angiography

   ● Magnetic Resonance Imaging (MRI)

   ● Computerized Tomography (CT) Scans

   ● Endoscopic Procedures (Therapeutic)

   ● Pain Management

   ● Arthroscopic Procedures, Orthopedic Arthroscopy

   ● Other medically necessary modalities not mentioned above and those for which there are no comparable, conventional or traditional counterparts

8. Can I transfer the health and insurance benefits to another person? 

Membership is not transferrable to another person.

9. Can I enroll my family members to this health plan?

Yes, you may enroll them individually or together with the parent.

10. Can I enroll my company employees to this?

Yes, you may enroll a minimum of 2 employees.

11. What conditions are not covered by the health benefits?

For the online consultation and face to face consultation all illnesses are covered. However, for the in-patient emergency benefit, the following exclusions apply:

● Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare's General Exclusions list are not covered by this product.

● An illness or condition is considered pre-existing if, prior to effective date of coverage:

   (a) Any professional advice or treatment was given for such illness or condition;

   (b) Such illness or condition was in any way already known to the Member; or

   (c) 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 or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer's Disease and Parkinson's Disease.

General Exclusions :

1. Viral and bacterial illnesses that are complications of or contracted due to a compromised or impaired immune system. The following are examples but not limited to: 

a. Patients with malnutrition 

b. Patients with uncontrolled diabetes mellitus 

c. Recipients of organ transplant 

d. Patients with hematologic malignancies 

e. Patients undergoing radiation, chemotherapy, and immunosuppressive therapy 

f. Patients with HIV/AIDS infection

g. Patients with foreign objects/implants such as venous or urinary catheters 

h. Patients with auto-immune diseases such as Systemic Lupus Erythematosus (SLE), Rheumatoid Arthritis, Multiple Sclerosis, and Guillain-Barre Syndrome

2. Excluded viral infections like:

a. Hepatitis B, C, D, and E

b. Herpes infections like Epstein-Barr and Cytomegalovirus

3. Accidents and viral / bacterial illnesses that are secondary to or contracted due to having a degenerative disease such as but not limited to Alzheimer's disease, Amyotrophic lateral sclerosis (ALS), Parkinson's disease. 

4. Conditions secondary to all pregnancy and fertility-related illnesses / treatments.

5. Lithiasis/stones of the gallbladder and genitourinary system.

6. Sexually transmitted infections such as, but not limited to, syphilis, gonorrhea, chlamydia, human papillomavirus (HPV) infection, and HIV/AIDS.

7. Pre-existing conditions except Hepatitis A.

8. Chronic viral and bacterial illnesses.

9. Congenital illnesses acquired through viral and bacterial infections.

10. Care by non-accredited Physician and/or in a non-accredited hospital.

11. All dental-related conditions and services.

12. Complications from sterilization of either sex or reversal of such, artificial insemination, sex transformations, and circumcision.

13. Rest cures, custodial, domiciliary, or convalescent care.

14. Complications arising from cosmetic surgery, dental/oral surgery and dermatological procedures for the purpose of beautification, including reconstructive surgery to treat a dysfunctional defect due to a disease or accident. 

15. Psychiatric disorders, psychosomatic illnesses, hyperventilation syndrome, stress related conditions, adjustment disorders, alcoholism and its complications or conditions related to substance or drug abuse, addiction, and intoxication. 

16. Medical and/or surgical procedures which are not generally accepted as standard treatment by the medical profession like acupuncture..

17. Procurement or use of corrective appliances, artificial aids and durable equipment, and orthopedic prosthesis and implants.

18. Surcharges resulting from additional personal (luxuries/accommodation) request or service including special nursing services.

19. Injuries or illnesses due to military, paramilitary, police service, high risk activities, or suffered under conditions of war.

20. Injuries or illnesses which are self-inflicted, caused by attempt at suicide or incurred as a result of or while participating in a crime or acts involving the violation of law, administrative order or ordinances.

21. Professional sports and high-risk sports.

22. Out-patient/Take home medicines.

23. Valvular Heart Disease and/or Rheumatic Heart Disease.

24. All hospital expenses and professional fees incurred by a Member when discharged against medical advise and those subsequent expenses incurred by the said Member for the same condition and its complications after such discharge during the contract period.

25. All hospital charges and professional fees after the day and time hospital discharge have been duly authorized.

26. Professional fees of assistant surgeons.

27. Use of emergency room facilities on non- emergency cases or by reason of conditions/ injuries not falling under the term "Emergency" as defined under this Agreement.

28. Diseases declared by the Department of Health as "epidemic".

29. Miscellaneous Fees not related in the diagnosis and treatment of a member's condition such as, but not limited to, "nursing fee", waste/biologic hazard disposal fee, management fee, local taxes, and other analogous fees.

30. Medico-legal consultations and confinements.

31. All expenses incurred in the process of organ donation and transplantation as donor or recipient.

While we regularly update this FAQ to reflect the current policies of our health and insurance benefits provider, please note that all health and insurance benefits of Community Care are from the iCare Network / Insular Life / InLife, and as such, we rely on their complete policy details which can be found at their website at www.insularhealthcare.com.ph. We shall not be liable for any recent changes in their policy or information that is not reflected in this document.

Terms and Conditions of Purchase, Registration, Use, Coverage, and Exclusions for the Health Benefits provided by iCare.

By purchasing, registering, or using iCare's insurance benefits, I hereby certify that I have read, understood, and agreed to the iCare Health Care Agreement and these Terms and Conditions. Should I disagree with the Agreement and these Terms and Conditions prior to registering myself to iCare, I can request a refund according to iCare's Return & Refund Policy.

I certify that the information hereunto and to be given by me or by an authorized representative on my behalf is true and correct and that any material misrepresentation or falsity contained therein shall be construed as an act to defraud iCare, and serves as sufficient ground for any and all of the following actions: the rejection and/or cancellation of my application and termination of membership; non-coverage of medical expenditures by iCare at its accredited providers and partners; and collection of receipts from me in case of advance payments for medical expenses already covered by iCare. 

I also hereby authorize iCare to question, independently verify, and investigate any and all information that I have declared from any and whatever sources iCare may deem appropriate.

I also agree that receipt of the corresponding membership fees by iCare does not constitute acceptance of my registration until the corresponding registration has been properly processed approved. Approval of application is automatically effective thirty (30) calendar days from receipt of payment by iCare. I understand that coverage shall also automatically begin , regardless of the status of receipt of notice to the Member advising successful registration and the commencement of coverage. Any incident, illness, or condition that occurs prior to the start date of coverage, even if such incident, illness, or condition persists up to and/or beyond the Effectivity Date, will not be covered.

I also agree to the non-coverage of illnesses as stated in iCare's list of General Exclusions applicable to its health care programs. iCare shall have the final, exclusive decision to determine the scope of coverage for a specific illness or condition based on, but not limited to, registration date, start date of coverage, final diagnosis, evaluation of the case as an emergency, hospital billing, professional fees, and the list of General Exclusions.

Lastly, I agree to the retrieval and processing by iCare of any and all personal medical information drawn or obtained pursuant to its products and services based on my coverage, provided that: (a) such information shall be utilized solely for legitimate and official business purposes of iCare; (b) such information shall not, at any time, be disclosed or transmitted to non-essential and/or unauthorized personnel or entities; and (c) all reasonable efforts shall be taken to maintain the confidentiality of such information.

FinancePH Community Care Members may avail of the following benefits:

✓ Free seminars by going to seminarph.com

✓ Exclusive member only seminars by going to seminarph.com

✓ Perks and privileges from partner merchants

By purchasing a community care membership, you as the payor and the members nominated by the payor agree to abide by the terms and conditions stated at communitycareph.com which shall also be sent in PDF format to the email of the payor upon purchase. You also agree that your health and insurance benefits will follow the terms and conditions of our partner HMO and Insurance Company.

If you feel that you made a wrong purchase, kindly immediately request the payor to initiate a refund within 24 hours from payment.