Guide to Best Health Cards for Senior Citizens in the Philippines

30 August 2022
Guide to Best Health Cards for Senior Citizens in the Philippines

Planning to have a good life while reaping the fruits of your labor when you retire?


Having your own property, such as real estate, is one of the best recommendations because its property value increases constantly. That is why Lumina Homes offers affordable house and lot for sale every Filipino can buy. It provides a better environment and a comfortable haven suitable for all ages. Therefore, it is an ideal place to spend the rest of your twilight years.


Of course, it is also essential to take care of yourself so that you can enjoy such perks. You need to accept that you will start feeling weaker and body aches when you reach the elderly stage. Thus, getting your own health card is needed.


What is a Health Card?


It may sound unfamiliar to some but a health card is a prepaid health insurance card that provides healthcare coverage with a monthly or annual fee. Senior citizens can use it for consultation, inpatient or outpatient services, laboratory examinations, and other medical services at accredited healthcare facilities or organizations. Its validity can vary; it can be for a year or until the covered package is fully consumed.


How to Apply for Health Cards


Applying for a health card is simple. All you need is to visit the site of your preferred provider and fill up the application form. Then, choose your payment option and activate it. 


Benefits of Health Cards


  • Easy to purchase
  • Use it instantly
  • Fits the budget and healthcare needs
  • No interviews and checkups required
  •  People with pre-existing conditions can avail
  •  A wide selection of accredited healthcare services and providers

Factors to Consider in Finding the Right Health Insurance Card


Health cards offer a lot of benefits. But, there are several factors you need to know before getting one.

  •  Price. They may be affordable but also make sure you can continuously enjoy the coverage as well. So, choose which payment option is best for you - it can be monthly, quarterly, or annually.
  • Age Qualifications. Determine if you meet their age qualifications. Choose a health card that covers a wide range of age requirements or until age 100.
  • Coverage. Never settle for one health card provider. Look around, seek recommendations and compare, especially the coverage it offers.
  •  Accreditations. Every prepaid health card offers different health insurance plans based on its affiliated facilities and professionals. So, choose a health card that can be accepted by your nearest healthcare service providers.


Best Health Card Providers for Senior Citizens



InLife Insular Health Care or InLife is recognized and fully accredited by the Insurance Commission. They are known to be a financially responsible and well-established Health Maintenance Organization (HMO), offering affordable prepaid health cards for seniors.

●      MedConsult Seniors.

For just P3,500.00, you can enjoy an array of consultation services with their affiliated healthcare professionals. This includes face-to-face consultation and telemedicine services. Plus, access to dental consultation and selected preventive care services for one (1) year.



PhilCare is one of the pioneering HMO providers in the country since 1982. They offer access to world-class health services, promoting a better quality of life and total wellness.

●      unli-CONSULT for 65+.

This health card is for ages 65 and above with unlimited consultation services for one (1) year and is non-transferable. The coverage includes selected dental services and PhilCare-accredited healthcare providers nationwide. Selected pre-existing conditions are also covered and unlimited access to HeyPhil Digimed consultation services. For only P5000.00, you can avail PhilCare unli-CONSULT for 65+.

●      VidaCare CORE.

The VidaCare CORE is also intended for 60 years old and above, with one (1) year validity. It costs P11,120.00 and is non-transferable. The coverage includes unlimited dental and medical consultation from their accredited healthcare professionals and facilities. You can also enjoy unlimited outpatient laboratory and diagnostic services and access to HeyPhil Digimed consultation services. Selected pre-existing conditions are also covered.

●      VidaCare PREMIER.

Similar to VidaCare CORE, this health card is also designed for senior citizens with one (1) year validity of unlimited outpatient coverage. This includes medical and dental consultation services, and laboratory and diagnostic procedures from their accredited healthcare facilities. Plus, seniors can also enjoy unlimited access to HeyPhil Digimed consultation services. Moreover, it also covers outpatient emergency and hospitalization services up to P20,000.00 in over 500 accredited hospitals nationwide. VidaCare PREMIER costs P13,270.00 and is non-transferable.



MediCard Philippines, Inc. started providing healthcare coverage in 1987, which was conceptualized by a group of healthcare providers. They are also recognized as the Top 3 HMO company in the Philippines, offering health insurance coverage nationwide and in some parts of the globe.

●      RxER.

One of the best hmo for senior citizens is the RxER as it requires no age limit and medical checkups. For just P1998.00, you can avail unlimited consultations from their accredited hospitals and clinics nearby. It also covers free dental consultations, one-time oral prophylaxis, and a 30% discount on selected dental procedures. You can also enjoy a 30% discount on outpatient laboratory and diagnostic tests, outpatient surgeries and other hospital services, and selected procedures in skin care clinics. Furthermore, you are entitled to emergency care benefits. MediCard RxER is valid for one (1) year upon activation.



Maxicare Healthcare Corporation, Inc. is also one of the leading health maintenance organizations in the Philippines. Established in 1987 by a group of physicians and businessmen, Maxicare continues to provide a better healthcare system today.

●      Prima Gold.

Maxicare’s Prima Gold is one of the best health cards for senior citizens in the Philippines because of its remarkable benefits. No required medical checkups and paperwork are needed and pre-existing conditions are covered as well. It is ideal for ages 60 and above with one (1) year of coverage upon activation for P12,999.00. Its key features include unlimited consultation services and prescribed laboratory and diagnostic tests from accredited healthcare facilities and professionals.

Prima Gold also includes single-usage per type of dental care services and up to P20,000.00 of annual emergency room coverage. Plus, you have access to 24/7 teleconsult services and videoconsult services by appointment.


Take Good Care of Your Health and Invest in Real Estate


Getting older is not something you can avoid. You may achieve all the goals before your retirement, but you may not even taste it when your body feels weak and in pain. Thus, you need regular checkups or even an annual physical exam.


Although every Filipino has access to Universal Health Care Law through a PhilHealth card, it is best to get your own health insurance card for unforeseen medical expenses. Find the right hmo health card now and invest at Lumina Homes at the same time. Having your own house and lot Philippines can give you a better quality of life upon retirement.


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