0917-154-8098
hr@ioss.ph
clientservices@ioss.ph
logistics@ioss.ph
oneclaims@ioss.ph
302 Brain Train Center, GBD, Brgy. Don Jose, Sta. Rosa, Laguna
The Ayos Health Card is a full HMO plan providing comprehensive healthcare coverage, including Day 1 coverage for Pre-Existing Conditions (PEC) once activated. It offers convenient, affordable, and accessible protection for individuals, families, and companies.
Anyone 18–65 years old and 15 days–17 years old for minor dependents.
Foreign applicants may apply with a valid ACR.
Pre existing condition -*claims are always subject to assessment of our medical director as part of fair usage.
Medical underwriting is required upon application.
Online application and easy approval within 24-48- hrs, activation is only 15 days.
Benefits vary per plan and may include:
Up to ₱200,000 per illness per year
Day 1 PEC coverage
Emergency & Inpatient care
Access to PhilCare-accredited hospitals nationwide
No medical exam required
Effective date always falls on the nearest 1st day of the month from verified payment date.
Yes, YOU WILL RECEIVE A COC after 15 days, which you can use to avail our services.
You can use your plan at PhilCare-accredited hospitals, clinics, and medical facilities nationwide.
Pre existing limits are always subject for evaluation of our medical directors, illnesses that falls as comorbidity and complications from an existing illness will share one limit.
Yes. Outpatient consultations are included in selected Ayos Health Card variants. Please check your Schedule of Benefits.
Yes. Only an employee masterlist is required—no complicated corporate documents.
Yes. OFWs may buy the plan for themselves or their families.
Coverage applies within the Philippines.
Valid ID, Payment, Medical Questionnaire and Application.
Reimbursement for non accredited clinics will be subject to terms and condition.
Ayos Health Card is an HMO plan, not traditional insurance.
Some variants may include insurance riders (e.g., life or accident benefits).
Yes. Plans can be renewed every year and may be upgraded depending on eligibility.
Day 1 PEC Coverage
Affordable full HMO protection
Fast and easy enrollment
Nationwide hospital access
Powered by PhilCare, a top HMO in the Philippines
Pricing depends on the plan variant and benefits.
We offer affordable packages for individuals, families, and group accounts.
Message us to receive the latest rate card and plan recommendations.
Yes! You may buy plans for your spouse, children, parents, and other dependents.
Each member gets their own coverage, ensuring tailored protection for every family member.
