A sound plan for health security

I-Heal (Insular Health Expense ALlocation) is a health savings plan that provides health security until age 80. It is payable in 5, 10 or 20 years giving you the flexibility to afford the health insurance protection you need. It is designed to help you set aside money to pay for future medical needs such as hospitalization, prescribed medicines, doctors' fees, surgical and ICU expenses.

Consider what I-Heal can do for you:

1. Replace lost income due to hospitalization
   I-Heal provides daily hospitalization allowance that can replace income which should have been earned had it not been for the insured's illness. An amount equal to 0.2% of the health fund (subject to maximum limits) is provided per day of confinement and can be claimed for a maximum of 365 days per disability.
2. Supplemental funds for critical hospitalization and surgical procedures
   I-Heal provides an ICU allowance for every day that the insured is confined in the ICU. This allowance is equal to 0.2% of the health fund and is given during the continuance of the ICU confinement for a maximum period of 90 days per disability. Moreover, the plan provides a surgical reimbursement benefit up to a maximum amount of 2.5% of the health fund that can supplement expenses incurred for surgical procedures.
3. Contingent Medical Expense Benefits
   The plan provides Medicine and Doctor's fee reimbursements to subsidize some of the expenses. Medical reimbursement subject to a maximum amount of 0.5% of the health fund, and doctor's fees equal to the actual fee charged by the attending physician subject to the maximum amount of 1% of the health fund, can be reimbursed for confinement-related medicine expenses and physician's consultation services.
4. Life Protection
   I-Heal provides insurance coverage equal to 125% of the equivalent basic annual premiums paid, or the remaining Health Fund, whichever is lower. .
5. Supplemental health coverage when most needed
   I-Heal covers the insured until age 80, a period when no other HMO* plan benefit is available. I-Heal provides a level of comfort knowing that future health expenses need not drain one's personal pocket.
   
   
   *HMO stands for Health Maintenance Organization.

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