All registered app users of Aurora Star App also known as “Advocate” ages 18 to 65 years old at the time of application who are actively performing all the Activities of Daily Living.

“Activities of Daily Living” are daily routine tasks such as transferring, mobility, toileting, washing, dressing and feeding performed on your own without the need of other’s help.

Simply go to Products menu of the Aurora App, choose LOVE1088, complete your application, and pay for your premium.

Yes, buy as many LOVE1088 as you need, just keep in mind that your total benefit amount cannot exceed the maximum benefit amount indicated below at any given time. In case your total benefit amount exceeded the maximum benefit amount, any premium received in excess will be refunded to you.

ER Care FIT is for one-time use only, regardless if the total annual benefit limit is consumed or not. If you have already used your ER Care FIT health voucher, you can use your other ER Care FIT voucher to be covered again. An insured advocate can only be covered by one ER Care FIT at any point in time.

Your coverage for will start on the date of approval of your application and successful payment of the first annual premium and ends after a period of one year.

Yes, you will be receiving a notification in the Aurora App that your coverage is due to expire 60 days prior your plan’s expiry date. To renew your coverage, simply go to My Plans and click the renew button.

• Life Benefit
No death benefit will be payable if the Insured dies within the first year of coverage and the cause of death was proven to be suicide while He/She was sane. Death benefit will be payable if the suicide is committed while insane.

• Accidental Death Benefit
No Accidental Death Benefit will be payable if the death arises from any of the following:

• i. Attempted suicide or an intentional self-inflicted act by the Insured;
• ii. Alcohol or drug abuse;
• iii. The wilful participation of the Insured in illegal and/or unlawful acts and/or omissions; or
• iv. War or any act of war (declared or not), military insurrection and civil commotion amounting to a popular uprising.

• Accidental Medical Reimbursement Benefit
No Accidental Medical Reimbursement Benefit will be payable if the injury(ies) arises from any of the following:

• i. Attempted suicide or an intentional self-inflicted act by the Insured
• ii. Alcohol or drug abuse
• iii. The wilful participation of the Insured in illegal and/or unlawful acts and/or omissions
• iv. War or any act of war (declared or not), military insurrection and civil commotion amounting to a popular uprising
• v. Human Immunodeficiency Virus (HIV) and or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any
mutations, derivations or variations thereof
• vi. Complications from pregnancy, childbirth, miscarriage or abortion, or
• vii. Mental or nervous disorders.

• Total and Permanent Disability Benefit
No Total and Permanent Disability Benefit will be payable if the disability arises from any of the following:

• i. Attempted suicide or an intentional self-inflicted act by the Insured
• ii. Alcohol or drug abuse
• iii. The wilful participation of the Insured in illegal and/or unlawful acts and/or omissions
• iv. War or any act of war (declared or not), military insurrection and civil commotion amounting to a popular uprising
• v. Human Immunodeficiency Virus (HIV) and or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any
mutations, derivations or variations thereof
• vi. Complications from pregnancy, childbirth, miscarriage or abortion, or
• vii. Mental or nervous disorders.

• Total and Permanent Disability Benefit
No Total and Permanent Disability Benefit will be payable if the disability arises from any of the following:

• i. Attempted suicide or an intentional self-inflicted act by the Insured; ii. Alcohol or drug abuse;
• iii. The wilful participation of the Insured in illegal and/or unlawful acts and/or omissions; or
• iv. War or any act of war (declared or not), military insurrection and civil commotion amounting to a popular uprising.

• Accident-related Emergency Hospitalization Benefit

Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under IHC’s General Exclusions list are not covered by ER Care Benefit. An illness or condition is considered pre-existing if, prior to effective date of coverage:

• (a) Any professional advice or treatment was given for such illness or condition;
• (b) Such illness or condition was in any way already known to the Member; or
• (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).

Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.

• 1. Accidents that are secondary to or contracted due to having a degenerative disease such as but not limited to Alzheimer’s disease, Amyotrophic lateral sclerosis (ALS), and Parkinson’s disease.
• 2. Conditions secondary to all pregnancy and fertility-related illnesses / treatments.
• 3. Care by non-accredited Physician and/or in a non-accredited hospital.
• 4. All dental-related conditions and services.
• 5. Complications from sterilization of either sex or reversal of such, artificial insemination, sex transformations, and circumcision.
• 6. Rest cures, custodial, domiciliary, or convalescent care.
• 7. Complications arising from cosmetic surgery, dental/oral surgery and dermatological procedures for the purpose of beautification, including reconstructive surgery to treat a dysfunctional defect due to a disease or accident.
• 8. Psychiatric disorders, psychosomatic illnesses, hyperventilation syndrome, stress related conditions, adjustment disorders, alcoholism and its complications or conditions related to substance or drug abuse, addiction, and intoxication.
• 9. Medical and/or surgical procedures which are not generally accepted as standard treatment by the medical profession like acupuncture.
• 10. Procurement, lease/rent or use of corrective appliances, artificial aids and durable equipment, and orthopaedic prosthesis and implants.
• 11. Surcharges resulting from additional personal (luxuries/accommodation) request or service including special nursing services.
• 12. Injuries or illnesses due to military, paramilitary, police service, high risk activities, or suffered under conditions of war.
• 13. Injuries or illnesses which are self-inflicted, caused by attempt at suicide or incurred as a result of or while participating in a crime or acts involving the violation of law, administrative order or ordinances.
• 14. Professional sports and high-risk sports.
• 15. Outpatient/Take home medicines.
• 16. Valvular Heart Disease and/or Rheumatic Heart Disease.
• 17. All hospital expenses and professional fees incurred by a Member when discharged against medical advise and those subsequent expenses incurred by the said Member for the same condition and its complications after such discharge during the contract period.
• 18. All hospital charges and professional fees after the day and time hospital discharge have been duly authorized.
• 19. Professional fees of assistant surgeons.
• 20. Use of emergency room facilities on non- emergency cases or by reason of conditions/ injuries not falling under the term “Emergency” as defined under this Agreement.
• 21. Miscellaneous Fees not related in the diagnosis and treatment of a member`s condition such as, but not limited to, “nursing fee”, waste/biologic hazard disposal fee, management fee, local taxes, and other analogous fees.
• 22. Medico-legal consultations and confinements.
• 23. All expenses incurred in the process of organ donation and transplantation as donor or recipient.

Pre-existing condition is a condition which you have previous received medical advice for, consultation or treatment; whose signs or symptoms are evident; or you are reasonably expected to be aware of, even if you did not seek medical advice, consultation or treatment prior to the start of your coverage or date of last reinstatement

You may appoint one primary and one contingent beneficiary. If you did not appoint any beneficiary or your appointed beneficiary is not alive, the benefit will be given to one of your surviving family members in the following order: 1) legal spouse; 2) children; 3) parents; or 4) brothers and sisters. If there are no valid beneficiaries alive, we will pay the amount to your estate.