Insular Health Care by M&S Care Financials

Insular Health Care by M&S Care Financials iCare HMO and Prepaid Medical Insurances Welcome to M&S Care Financials, where care meets confidence.

Founded and managed by Stephanie Caacbay, a passionate Financial Advisor, our mission goes beyond selling insurance — we’re here to educate, empower, and protect. We believe that financial, medical, and future literacy are the foundations of a secure and fulfilling life. Through trusted partners like Insular Life and iCare HMO, we provide personalized life, health, and investment insurance solutio

ns that help Filipinos prepare for life’s challenges and build lasting stability. Our advocacy is simple:
✨ To make every Filipino financially smart, medically protected, and future-ready. Because caring for your life, health, and dreams isn’t just business — it’s our purpose. 💚

🌟 ER Care All-In — All-in Protection Against Sudden Medical Emergencies! 💙Hindi natin alam kung kailan darating ang emer...
10/11/2025

🌟 ER Care All-In — All-in Protection Against Sudden Medical Emergencies! 💙

Hindi natin alam kung kailan darating ang emergency...
pero ang tunay na care ay ‘yung handa ka — para sa sarili mo at sa mga mahal mo sa buhay. 🫶

With iCare ER Care All-In, may peace of mind ka na sa oras ng biglaan at hindi inaasahan.
It’s a one-time use health plan that gives up to ₱100,000 coverage for both ER treatment (outpatient) and confinement (inpatient) — dahil ang kalusugan ay hindi dapat ipagsugal. 💪

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💙 ✅ What’s Covered:
✔ Doctor’s professional fee
✔ Emergency room treatment
✔ Laboratory and diagnostic procedures
✔ Room accommodation (if confinement is required)
✔ Required medicines during hospitalization
✔ Surgery and surgeon’s fees (if medically necessary)
✔ Use of operating room, recovery room, and ICU (as required)
✔ Special modalities of treatment (up to ₱5,000 limit)
✔ Hospital cash allowance of ₱1,000 when confined (for adults only)
✔ 1-year unlimited telemedicine access (for kids only)

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🏥 Where You Can Use It:

Valid for 1 year or until used, whichever comes first

Accepted in 500+ iCare-accredited hospitals nationwide

Excludes the Top 6 Metro Manila hospitals:
🏥 Asian Hospital and Medical Center
🏥 Cardinal Santos Medical Center
🏥 Makati Medical Center
🏥 St. Luke’s (QC & BGC)
🏥 The Medical City

📄 For complete details, read the Health Care Agreement

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💼 ER Care All-In Plan Options:

👧 For Kids (1–17 years old)

₱60,000 Coverage — Ward — ₱3,150.00

₱80,000 Coverage — Semi-Private — ₱4,150.00

₱100,000 Coverage — Regular Private — ₱5,150.00

👩‍🦰 For Adults (18–64 years old)

₱80,000 Coverage — Semi-Private — ₱1,350.00

₱100,000 Coverage — Regular Private — ₱1,750.00

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✨ Why Choose ER Care All-In?
Because real love means being ready — kahit sa mga sandaling hindi inaasahan. 💙
Hindi mo kailangang maging mayaman para maging handa.
Sa halagang abot-kaya, may proteksyon ka na laban sa emergency expenses.

💬 ER Care All-In — hindi lang plan, ito ay malasakit na may kasamang peace of mind.

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📞 How to Avail:
Message here or DM me for purchase assistance 💬
or click the link below to shop online and piliin ang Medical Health voucher na bagay sa’yo! 👇

🔗 https://shop.icare.com.ph/?affiliate=bjZxVHVjQUFGN01xWXJOYkJiRjFyYXdOV1F5OFVERnVuaUh1YWpyUXZ3Ky9EczQ0UHoyQWFka0NHQXZmZXFhUw

📱 Stephanie Carrera – 0928 360 0088

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📌 Disclaimer:
ER Care All-In is a prepaid HMO plan for emergency cases only. Coverage is subject to iCare’s terms and conditions and accredited hospital policies. Not valid for pre-existing, chronic, maternity, or non-emergency conditions. ER services must be availed only in iCare-accredited hospitals.

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"’Wag mo munang isipin ang emergency… isipin mo kung handa ka ba."Noong isang buwan, si Mama biglang nilagnat nang mataa...
06/11/2025

"’Wag mo munang isipin ang emergency… isipin mo kung handa ka ba."

Noong isang buwan, si Mama biglang nilagnat nang mataas at hindi bumababa. Akala namin simpleng trangkaso lang, pero nung dinala sa ER, sabi ng doktor kailangan siyang ma-admit.
Buti na lang, may iCare ER Care All-in kami — isang prepaid health card na tumulong sa amin sa oras ng pangangailangan. -Sheila iCare client

✅ May Emergency Room coverage
✅ May Inpatient benefits kung kailangan ma-admit
✅ Para sa viral at bacterial conditions din!
✅ At ang maganda pa, as low as ₱1,750 lang, may coverage ka na up to ₱100,000!

Hindi mo kailangang hintayin ang emergency para maging handa.
Minsan, ang peace of mind, nasa maliit na card lang. 💙

Message here or DM me for purchase assistance or click the link below para mag shop online and piliin yung Medical Health voucher na suitable para sayo!

Stephanie Carrera - 0928 360 0088

https://shop.icare.com.ph/?affiliate=bjZxVHVjQUFGN01xWXJOYkJiRjFyYXdOV1F5OFVERnVuaUh1YWpyUXZ3Ky9EczQ0UHoyQWFka0NHQXZmZXFhUw

&SCareFinancials

💚 “Hindi mo kailangan maghintay para mag-alaga.”Be ready anytime with iCare ER Care Choice! 🏥✨✅ ER coverage for sudden a...
06/11/2025

💚 “Hindi mo kailangan maghintay para mag-alaga.”
Be ready anytime with iCare ER Care Choice! 🏥✨

✅ ER coverage for sudden accidents or illness
✅ Doctor’s fee, labs & medicines included
✅ Up to ₱30,000 coverage
💸 Starts at ₱1,295 only — one-time payment, good for 1 year!

Because caring shouldn’t be complicated. 💚
📩 DM us now — Be smart. Be ready. Be iCare.

📌 Disclaimer: ER Care Choice is a prepaid health plan, not a full HMO coverage. Terms and conditions apply.

iCare ER Care Booster — Dahil ‘pag emergency, dapat ready ka! 💚Accidents and sudden illnesses can happen anytime — and m...
01/11/2025

iCare ER Care Booster — Dahil ‘pag emergency, dapat ready ka! 💚

Accidents and sudden illnesses can happen anytime — and minsan, kahit gaano tayo kaingat, hindi talaga maiwasan. 😔
But the good news? With iCare ER Care Booster, you’re always protected when it matters most! 🏥✨

💚 What is ER Care Booster?
It’s an affordable prepaid HMO plan that gives you Emergency Room coverage for accidents or sudden illnesses — no long process, no membership hassle!

💚 Why it’s important:
✅ Covers ER treatment and doctor’s fees
✅ Includes lab tests, medicines, and supplies used during ER confinement
✅ Cashless transaction at iCare partner hospitals
✅ Perfect for individuals, employees, and small business teams
✅ Peace of mind for you and your family — anytime, anywhere 💚

💬 Because health emergencies can’t wait — protect yourself and your loved ones with iCare ER Care Booster!

📩 DM me for inquiries or to get your plan today!

⚠️ Disclaimer:
This is a prepaid HMO product under iCare Health Services, Inc. Terms, conditions, and hospital coverage apply. For emergencies only; non-emergency cases are not covered.

👶💖 Protect your kids with iCare ER Care All-In Kids!Kasi hindi mo alam kailan mangyayari ang emergency —pero pwede kang ...
27/10/2025

👶💖 Protect your kids with iCare ER Care All-In Kids!
Kasi hindi mo alam kailan mangyayari ang emergency —
pero pwede kang maging handa palagi! 🚑✨

✅ Emergency care coverage
✅ One-time payment only
✅ For kids 15 days–17 years old
✅ Accepted in accredited hospitals nationwide

💬 DM us now and give your kids the care they deserve —
, AlagangiCare 💕

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🩺 Disclaimer:
ER Care All-In Kids is a prepaid health card, not an insurance policy. Coverage and benefits are subject to terms, conditions, and hospital availability.

Hindi natin alam kung kailan darating ang emergency — pero pwede tayong maging handa. 💪With iCare Total ProtectER, you g...
20/10/2025

Hindi natin alam kung kailan darating ang emergency — pero pwede tayong maging handa. 💪

With iCare Total ProtectER, you get:
💜 Up to ₱100,000 emergency coverage
💜 ₱3,000 daily hospital income benefit
💜 ₱500,000 life insurance coverage (valid for 6 months)

Sa halagang ₱11,750, may proteksyon ka na laban sa unexpected medical expenses. 🏥💚
Dahil mas mahal ang hindi pagiging handa.

📩 Message me to learn more or to get your plan today!

🌟 ER Care All-In for Kids — Dahil kapag si baby ang nasugatan at nagkasakit,  hindi pwedeng maghintay! 💚Alam nating mga ...
20/10/2025

🌟 ER Care All-In for Kids — Dahil kapag si baby ang nasugatan at nagkasakit, hindi pwedeng maghintay! 💚

Alam nating mga magulang, kahit gaano tayo kaingat, may mga “ouch moments” talaga si kiddo. 😔 Pero don’t worry — with iCare HMO’s ER Care All-In for Kids, handa ka anytime, anywhere! 👶🏻✨

💚 What’s covered?
✅ Emergency Room care for kids ages 0–17 years old
✅ Kasama na ang doctor’s fee, lab tests, medicines, at ER services (up to plan limit)
✅ One-time payment, good for one-year protection
✅ Pwede sa accredited hospitals nationwide

Sa iCare, siguradong alaga si baby — mula emergency hanggang recovery. 🌈

📩 DM us to know more about the ER Care All-In for Kids package!

💙 ER Care All-In by iCare HMO 💙Hindi mo kailangang hintayin na magka-emergency bago maghanda! 🚑With ER Care All-In, may ...
17/10/2025

💙 ER Care All-In by iCare HMO 💙

Hindi mo kailangang hintayin na magka-emergency bago maghanda! 🚑
With ER Care All-In, may prepaid protection ka na — for as low as ₱1,750 only, covered ka na up to ₱100,000 for medical emergencies! 😍

Pero wait, hindi lang ‘yan! 🙌
✅ ER benefits – covered ka agad sa mga emergency cases.
✅ Inpatient benefits – kung kailangan mo ma-admit, covered ka rin!
✅ Viral and bacterial illnesses – gaya ng dengue, pneumonia, UTI, tonsillitis, at iba pa — kasama ‘yan! 💊
✅ No medical check-up needed, one-time payment lang!
✅ Accepted sa partner hospitals nationwide.

Sobrang sulit, di ba?
Kasi sa panahon ngayon, mahal magkasakit pero mas mahal ang walang protection. 💔

So protect yourself and your family today — kasi mas okay nang handa kaysa magsisi. ❤️

&SCareFinancials

Address

ICare Building, Legaspi Street Corner Dela Rosa Street
Makati
1229

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