Ayos Health Card by Luminary – Healthcare for Every Filipino

It’s simple:
👉 Fill out the application form:

https://tinyurl.com/ayos247applicationform

👉 Submit your basic details, valid ID and proof of payment

👉 Wait for verification email from clientservices@ioss.ph

You can apply online in just a few minutes.

Ayos Health Card is a healthcare plan designed to provide hospital coverage per illness each year.
It is built to make healthcare simple, accessible, and available to more Filipinos—even those with pre-existing conditions.

This plan is open to:
✔ Employed individuals
✔ Freelancers / self-employed
✔ Business owners
✔ Families and individuals
✔ Ages 15 days old to 65 years old

No medical exam is required.
The application process is fast and hassle-free.

Yes. Pre-existing conditions are covered, subject to plan limits (max of 50% of the chosen limit) —starting as early as the first year.

Depending on the plan, coverage ranges from:
💰 ₱60,000 to ₱200,000 per illness per year

The card can be used in a wide network of hospitals and clinics nationwide, through partner providers of PhilCare.

Approval is fast and simple since no medical exam is required. 15 days enrollment process only.

Premiums depend on your age and chosen plan.
Sample plans may start at around ₱18,888+ per year (subject to change).

Yes. The plan is available for individuals up to 65 years old, making it a great option for those who are often declined by traditional HMOs.

Ayos Health Card is designed to be:
✔ Easier to get approved
✔ Inclusive of pre-existing conditions
✔ No medical exam required

Yes!
You can be part of the Luminary Team and earn while helping others get healthcare coverage.

✔ No experience required
✔ Flexible income opportunity
✔ Purpose-driven community

Apply as a full ayosociate or sub-ayosociate in this link:

https://tinyurl.com/teamLuminaryRegForm

Yes. You can still get approved even with pre-existing conditions.
Ayos Health Card is designed for people who are often declined by traditional plans.

Yes. Ayos Health Card is offered by iOSS Insurance Agency Inc.,
and powered by PhilCare—a trusted healthcare provider in the Philippines with an established hospital network.

Think of it as protection, not expense.
One hospital confinement can cost more than your entire annual plan.
This ensures you’re financially prepared when you need it most.

If you’ve ever been declined, delayed, or required medical exams—
this is a simpler and more accessible option designed to get you covered faster.

Yes. This is open to freelancers, self-employed individuals, business owners, and families.
No company required.

That’s normal. But here’s the reality—
health emergencies don’t wait.

The best time to get covered is before you need it.

Because today, you have the chance to:
✔ Get covered even with pre-existing conditions
✔ Avoid complicated approvals
✔ Secure protection for yourself and your family

Waiting only increases the risk of being unprotected.