iCare hotline, claims and licence
iCare is the brand of Insular Health Care, Inc., an HMO (health maintenance organization). One other company on the IC lists shares the name, each with its own licence.
Licensed. Certificate of Authority no. HMO-2026-17-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱10.9 billion was the 4th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 72 centavos in members' health care and claims (₱7,866.1 million ÷ ₱10.9 billion, IC HMO statistics).
- Trunklines(02) 77777-999
- Trunklines(02) 88130-131
- Toll Free (Globe)1-800-777-7999
iCare hotline and claims
| Toll Free (PLDT) | 1-800-10-8177857 |
|---|---|
| cx@icare.com.ph |
From iCare's contact page.
- Complete and sign the claim reimbursement form and prepare the original documents (receipts, statement of account, charge slips, clinical records).
- Request the reimbursement via the InLife Health mobile app and send the signed form and documents to the Claims Department.
- File within 60 days from availment (out-patient) or discharge (in-patient); processing is 30 days from receipt of complete documents.
iCare claims page · Reimbursement · Accredited hospitals and clinics
- Claim refused or unpaid: the Insurance Commission regulates iCare and sets the rules for adjudicating HMO claims, so the complaint goes to the IC.EO 192 sec. 4(a)
- If the HMO fails: the IC can appoint a conservator, receiver or liquidator to protect members.EO 192 sec. 4(e), 4(i)
Complaints
- Write to iCare first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
iCare products and plans
- Corporate Plan (5-1000+ Employees)
- SME Plan (5+ Employees)
- Fee for Service
- Individual Plan
- Family Plan
- Premium Plan
- Prepaid Plans
IC records
| Revenue, 2025 (IC) | ₱10.9 billion, 4th of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱7,866.1 million |
This company shares the iCare name but hold separate licences. Your contract shows which one you deal with.
| Insular Life Assurance Company, Ltd., The | life insurer, 2025/13-R |
|---|
Company details
- Brand
- iCare, iCare HMO
- Licensed company
- Insular Health Care, Inc.
- Certificate of Authority
- HMO-2026-17-R
- Valid until
- Dec 31, 2028
- Official website
- icare.com.ph
- Licensed for: prepaid health care plans: agreed health services for enrolled members, for a fixed fee paid in advance for a set period.EO 192 sec. 2
- Licence: every HMO needs a licence to operate from the Insurance Commission, which issues, renews, suspends and revokes HMO certificates.EO 192 sec. 4(b), 5
- Not an insurer: life insurance comes from a company on the life list, under a different licence.
How tax applies to the plan
- Premiums you pay: employees on pure compensation income cannot deduct HMO or health insurance premiums. Since TRAIN, Sec. 34 allows them no deductions, and the old ₱2,400 health premium deduction is gone. Self-employed people and businesses work under the business-expense rules instead. See health insurance for the self-employed.NIRC Sec. 34 as amended by RA 10963, from Jan 1, 2018
- Worked example: an employee on salary only pays ₱15,000 a year for a family HMO plan. Deduction allowed on the income tax return: ₱0, so taxable income stays the same (Sec. 34 as amended by TRAIN).
Before you sign or pay
- Match the company and number. Your contract should name Insular Health Care, Inc., not only the iCare brand, and the licence number shown at the top of this page.
- Ask for the seller's IC licence. Ask which HMO they represent and confirm it with iCare.
- Pay Insular Health Care, not a person. Keep the official receipts issued in Insular Health Care's name.
Questions
Is iCare legit?
Yes. Insular Health Care, Inc. is licensed by the Insurance Commission (licence HMO-2026-17-R). A genuine contract names Insular Health Care, Inc. and that number.
What is the iCare hotline?
(02) 77777-999 (Trunklines), or (02) 88130-131, as printed on icare.com.ph.
How do I file a claim with iCare?
Start from the claims page on icare.com.ph, which lists the forms and documents for each claim type. If the HMO refuses or delays, complain to the Insurance Commission, which adjudicates HMO claims under EO 192.
How do I get an iCare reimbursement?
iCare explains reimbursement for services you paid for yourself on icare.com.ph; follow the page linked in the claims section above.
Which hospitals accept iCare?
iCare keeps its list of accredited hospitals and clinics on its own site, icare.com.ph. Check it before a planned visit, because networks change.
How long is iCare's licence valid?
The IC prints a validity period under its list: License valid from Feb 26, 2026 to Dec 31, 2028.