Data Privacy Consent

I authorize IOSS Insurance Agency Inc. to collect, process, store, and use my personal information in accordance with the Data Privacy Act of 2012, including application processing, official communications, and the use of testimonials or feedback for legitimate marketing purposes. All personal information shall be handled with due confidentiality.

Terms & Conditions Agreement

I confirm that I have downloaded, read, and fully understood the official Terms & Conditions, including the complete Schedule of Benefits, coverage limits, exclusions, and policy provisions, and I expressly agree to all contents of the proposal.

Download Ayos Health Plans Full Details

Proof of Payment Acknowledgment

For Individual Applications, I understand that a valid proof of payment must be uploaded prior to submission, that payment verification takes 2–3 banking days, and that application processing will begin only after verification. I confirm that my uploaded proof clearly shows the transaction date, amount, and reference number.

For Group / Company Applications, I understand that a separate email containing the payment link will be sent after submission and that I must wait for the final billing statement before settling payment.

I acknowledge that failure to submit the required proof of payment may result in delay or cancellation of my application.

Non-Cancellation Policy

I understand and agree that once this application is submitted, it is considered final and auto-approved. Requests for cancellation, withdrawal, or refund shall no longer be allowed, as the application is immediately queued for processing.

Final Declaration

I confirm that all information and documents I have provided are true, complete, and accurate. I understand that incomplete or incorrect details may result in processing delays or claim denial.

Activation and Effective Date of Coverage

Verified Payment Date

I understand that the Verified Payment Date refers to the date when my full payment has been successfully validated and confirmed by the Company or its authorized payment processor.

Effective Date of Coverage

I acknowledge that the effective date of my coverage is determined based on the Verified Payment Date as follows:

• If payment is verified between the 1st and 15th of the month, coverage starts on the 1st day of the same month.

• If payment is verified between the 16th and 30th/31st of the month, coverage starts on the 1st day of the following month.

Coverage shall be deemed in force only from the applicable effective date, regardless of my purchase or enrollment date.

Activation of Card Usage

I understand that, notwithstanding the effective date of coverage, my insurance card shall become activated and usable fifteen (15) business days after the Verified Payment Date.

I further acknowledge that no benefits, reimbursements, or claims shall be honored for any services availed prior to completion of the activation period.

By submitting this application electronically, I acknowledge that this consent and agreement carry the same legal effect as a handwritten signature.