iCare’s HMO for small businesses in the Philippines is designed specifically for micro and small enterprises with 5 to 99 employees. This comprehensive yet affordable program provides essential healthcare coverage that meets the unique needs of smaller teams, ensuring your employees receive quality care without straining your company’s budget. With a focus on delivering high-value benefits at a reasonable cost, iCare’s plans empower small businesses to offer competitive health packages that attract and retain top talent. Huge Health Benefits for Your Small Business Our HMO for small businesses in the Philippines gives you the option to tailor your plan, from choosing your benefit limit to picking your hospital provider access. In-Patient Benefits This includes services of all accredited Physicians including surgical services, room and board, general nursing service, and other services or supplies deemed medically necessary. Out-Patient Benefits This includes services of all accredited Physicians including surgical services, room and board, general nursing service, and other services or supplies deemed medically necessary. Emergency Care Benefits Such as ambulance services, emergency care-related procedures in accredited and non-accredited hospitals, and room upgrade. Customizable Options with Competitive Premium Rates iCare’s plans include access to a vast network of accredited healthcare providers across the country, along with extensive coverage options that range from preventive care to emergency services. Access to all iCare-accredited facilities nationwide, except Healthway and Fortmed. Access to all iCare-accredited facilities, except Asian Hospital and Medical Center, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center (QC and BGC) and The Medical City, Fortmed and Healthway Clinics. Access to all iCare-accredited facilities in the Visayas and Mindanao area, except Healthway Clinics. Access to all iCare-accredited facilities in Luzon outside NCR, except Healthway Clinics. Flexible options with competitive premium rates Have the freedom to choose quality health benefits that best fit your business. InHealth Biz gives you the option to tailor your health plan, from choosing your benefit limit, to picking your hospital provider access. Healthcare Plan for Small Businesses: Summary of Benefits By choosing iCare, micro entrepreneurs can rest assured that their employees are well-protected, allowing them to focus on growing their business while promoting a healthier, more productive workforce. Here’s an overview of the key advantages of our HMO for small businesses in the Philippines.

ANNUAL PHYSICAL EXAMINATION PREVENTIVE HEALTH CARE OUT-PATIENT CARE TELEMEDICINE CONSULTATIONS Laboratory, X-ray and other diagnostic examinations prescribed by physician on duty are covered up to applicable MBL ROUTINE PROCEDURES DIAGNOSTIC PROCEDURES Diagnostic Radiographs: Diagnostic Ultrasounds: IN-PATIENT SERVICES Other Benefits & Special Services Covid-19 Cases are covered up to applicable limits per year Ward Plan – Up to P50,000 per year Semi-private Plan – Up to P75,000 per year or MBL, which ever is less Private Plans – Up to P100,000 per year or MBL, whichever is less Covid-19 Testing Covered up to P2,500 if SYMPTOMATIC; otherwise not covered Motor Vehicular Accidents If in an iCare accredited provider: up to P10,000 per incident but not to exceed 50% of MBL. If in non-iCare accredited provider, 100% of hospital bills and professional fees up to P10,000 per case on reimbursement basis Unprovoked Assault, including domestic violence, whether initiated by the Member or by a known or unknown third party DENTAL CARE (Optional) Reliant Health Med Alliance Corp (PACKAGE 2) PREVENTIVE SERVICES Unlimited Consultations Covered Oral Hygiene Instruction Covered Oral Prophylaxis (mild to moderate) Covered (Once per year) Annual Dental Examination Covered RESTORATIONS Unlimited Temporary fillings Covered Permanent Fillings Three (3) surfaces Amalgam OR Two (2) surfaces Light cure Unlimited recementation of jacket crown inlays and onlays Covered Unlimited Simple Tooth extraction except surgery for impaction Covered DENTURES & ORTHODONTICS Adjustment of Dentures – limited to adjustment of clasp Covered Orthodontic Consultation Covered Aesthetic Dental Consultation Covered Dental education and counselling Covered TREATMENTS Treatment for lesions, wounds and burns Treatment of Dental related pain excluding cost of prescribed medicines Covered Relief and/or prescription for acute dental pain Covered Emergency desensitization of hypersensitive teeth Covered Gum Treatment(except gum surgery)excluding cost of prescribed medicines. This shall include the management of other dental problems excluding surgeries. Covered GROUP LIFE WITH ACCIDENTAL DEATH & DISABLEMENT (AD&D) BENEFITS (Optional) Life 10,000 AD&D Coverage a. life 100% of amount of insurance b. entire sight of both eyes 100% of amount of insurance c. both hands or both feet 100% of amount of insurance d. one hand and one foot 100% of amount of insurance e. either hand or foot and sight of one eye 100% of amount of insurance f. Arm at or above elbow 70% of amount of insurance g. Leg at or above knee 60% of amount of insurance h. One hand at or above wrist 50% of amount of insurance i. One foot at or above the ankle 50% of amount of insurance j. Hearing of both ears 50% of amount of insurance k. Sight of one eye 50% of amount of insurance l. Four fingers and thumb of one hand 50% of amount of insurance Eligible Members 18 to 65 years old, as of last birthday Overage principal members may be accepted subject to substandard rating of x2.5 (for ages 66 – 70) and x3.5 (for ages 71 – 75). DENTAL CARE (Optional) GROUP LIFE WITH ACCIDENTAL DEATH & DISABLEMENT (AD&D) BENEFITS (Optional) FOR PRINCIPAL MEMBERS : Pre-existing conditions are covered up to MBL FOR DEPENDENTS: Pre-existing conditions are covered once 75% minimum participation is met; otherwise subject to the following: If 50% <= P < 75%; subject to 1 year contestability If 25% <= P < 50%; subject to 1 year contestability (with adjusted rate) Invest in Your Team’s Health! Learn more about how iCare’s affordable healthcare plans can benefit your small business. Choose the ideal coverage for your employees and get a quote today!