plan certification

Plan Certification


Where accountability is a valuable resource

We do what we promise.

We always take responsibility for the outcome of our action hence it is essential that our members should have full knowledge and understanding of the components and terms of the program. The plan certification allows the members to learn the details of the coverage. To agree with the certification is to commit oneself to the true value of openness and accountability.

Hospital Income Benefit Plans

1. That I am an eligible member of IMS-ANEC, or if not, I hereby authorize IMS-ANEC to automatically register my name with all the details provided in the subscription form of the HIB program;

2. That any and/or all claims (including legal) related to life insurance and/or hospital income benefit/s shall be directly, solely and unilaterally be paid/settled by Philam Life with office atat 15-18F Net Lima Building 5th Avenue corner 26th Street Bonifacio Global City, Taguig MM, Philippines 1634 under the the following terms and conditions:

Life Insurance

  • Contestability period for life insurance shall be one (1) year.
  • Plan/Policy holder’s life insurance coverage shall cease upon reaching the age 75.

Accidental Death and Dismemberment (AD & D)

  • Loss of hand means severance at or above the wrist. Loss of foot means severance at or above the ankle joint. Loss of sight means total and irrecoverable loss of sight.
  • Total and permanent disability is disability resulting from accidental bodily injury which disability wholly prevents the Employee/Member from engaging in any business and/ or occupation and from performing any work for compensation or profit and which disability has continued uninterruptedly for a period of at least six (6) months. Upon the occurrence of any of the losses, all accident insurance shall immediately cease as to injury from any subsequent accident.
  • The coverage shall include while traveling as a passenger in an aircraft operated by a commercial passenger airline on a scheduled air service over an established route.

Exclusions for Accident Insurance

  • Self-destruction or self-inflicted injuries, whether the Insured be sane or insane;
  • Bodily or mental infirmity or disease of any kind;
  • Poisoning or infection, other than infections occurring simultaneously with and in consequence of a cut or wound sustained in an accident;
  • Injuries of which there is no visible contusion or wound on the exterior of the body, drowning and internal injuries revealed byautopsy accepted;
  • Any injuries received (a) while on police duty in any military, naval or police organizations; (b) in any riot, civil commotion, insurrection or war or any act incident thereto; (c) while traveling as a passenger or otherwise in any form of submarine transportation, or while engaging in submarine operations; (d) in any violation of the law by the insured or assault provoked by the Insured; (e) that has been inflicted intentionally by the third party, either with or without provocation on the part of the insured, and whether or not the attack or the defense by the third party was caused by the violation of the law by the Insured
  • Operating or riding in or descending from any kind of aircraft;
  • Atomic energy explosions of any nature whatsoever.

DENTAL SERVICES are being provided by IWC Wellness and Preventive Consultancy Inc. with the following detailed benefits:

  • Consultation and Dental Examination
  • Simple tooth extraction except surgery for impaction;
  • Oral prophylaxis (mild to moderate cases): Twice a year which can be availed every 6 months from last availment;
  • Temporary Fillings;
  • Adjustment of denture;
  • Recementation of jacket crown inlays and on lays;
  • Relief and or prescription for acute dental pain;
  • Treatment of dental related pain excluding cost of prescribed medicines;
  • Emergency desentization of hypersensitive teeth;
  • Orthodontic and aesthetic dental consultation;
  • 5 to 20% discount on other dental services (beyond member’s coverage)

To protect my interest I certify that:

  • The Plan/Program (life ins., accident, dental ins., etc.) may only be cancelled or stopped if personally requested by myself or thru my authorized representative appointed by me as my attorney-in-fact (document must be fully notarized).
  • That my membership to this program (which include items 1, 2 and 3; and all other sub-items as stated in this certification) is yearly renewable. However, unless a non-renewal notice is issued by the provider by giving me a 15 days written notice or by my voluntary stoppage of premium payment, my membership shall be deemed automatically renewed every year (anniversary of my membership).
  • Membership to the program may only be cancelled after six (6) months of continuous membership except for reasons on which the validity shall be determined by the provider. Cancellation takes effect 30 days from receipt of cancellation letter. Re-enrollment to the program after cancellation shall be subjected to one year contestability period. All other price adjustment relative to re-enrollment shall apply.