Health and Fitness

InLife, IHC Offer 3-In-1 COVID-19 Cover

Insular Life (InLife) and its HMO subsidiary, InLife Health Care (IHC) recently launched a total protection plan that combines term life insurance, hospital income, and health care solution.

Called “Total ProtectER,” it is a timely insurance package with three main benefits: six-month term life insurance, daily hospital income for six-months, and a one-time emergency care health plan.

“While it is true that the government continues to foot hospital bills of COVID-19 patients through PhilHealth, there is a limit to these benefits. Therefore, if you are a breadwinner, self-employed, a freelancer, or someone who just started to work, it is advisable to get Total ProtectERas a safety precaution because COVID-19 is covered under the term insurance and hospital income benefit of this product,” said InLife Sr. Executive Vice President and Chief Distribution Officer Raoul Antonio E. Littaua.

For the emergency care element, although pandemic diseases such as COVID-19 are not coverable under standard insurance policies, IHC has taken this on under an ex-gratia basis at least until December 31, 2020. 

“I hope our kababayans will take advantage of this opportunity while it is still available. This is a good way to take charge of one’s health needs at a time like this,” added Littaua.

Total ProtectER provides life insurance benefits of P500,000 upon death due to natural or accidental causes, a P3,000 daily hospitalization income for up to 15 days if confinement is at least four days due to accidental injury or sickness (up to 15 days per hospital confinement, and a maximum of 90 days total hospitalization) within the six-month coverage period, and a one-time coverage of up to P100,000  on outpatient and inpatient care  for emergency cases due to accidents, viral and bacterial illnesses, and specific conditions.

The emergency care benefit is valid for one year or up until it is used, whichever comes first. Since no medical exams are required – just a health declaration – to purchase the product, customers may get it directly from IHC’s online store at

There are two Total ProtectER premium rates to choose from: P11,750 or P12,450, with the latter including emergency care in Metro Manila’s top 6 hospitals. It is for individuals aged 18 to 64 years old.

On its 110th anniversary, InLife continues to offer products and services that are relevant to its customers’ needs.

For more information on Total ProtectER, interested parties may chat via or  email



  1. Jeng Manalo
    August 21, 2020 at 3:20 pm

    We all need to be prepared all the time.para sa mga panahong tulad nitong pandemic may maasahan tayo.Good job ang mga insurance talaga tulad nitong insular life big help this pandemic.Great investment talaga ang mga insurance dahil may aasahan talaga

  2. Bessie Ramos
    August 21, 2020 at 3:30 pm

    Kelangan tlga ntin meron insurance para nakasecure tayo maganda ang plan na bnbgay nila nice

  3. Lyka (mitra) Baqueros
    August 21, 2020 at 4:05 pm

    Maganda ang offer nilang ito para sa mga pilipinong nangangailangan ng ganitong insurance.. keep it up Insular life.. ❤❤❤

  4. Erica Sosing
    August 21, 2020 at 4:22 pm

    This is sounds good mommy. Very important po tlaga ngayon na meron tayong health insurance Lalo na po sa panahon ngayon na uso po ang mga sakit sakit at may pandemic. Dpat lage po tayong secure sa panahon ngayon.

  5. Karen
    August 21, 2020 at 6:20 pm

    Maganda talaga ang meron tayo n insurance lalo n ngayong panahon ng pandemic sa mga pagkakataong hindi natin inaasahan thanks to insular life .

  6. Dhel Manog
    August 22, 2020 at 10:31 am

    Sobrang halaga talaga na merong insurance hindi kasi natin alam kung ano ang pwedeng mangyari.Kailangan handa tayo sa lahat ng mga mangyayari.Goodjob insular malaking tulong tong inoofer nyo .

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