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Top Healthcare Providers in the Philippines with Comprehensive Healthcare Plans

16 April 2022
Top Healthcare Providers in the Philippines with Comprehensive Healthcare Plans

Most of us are not in the prime of our youth anymore. Adulting hits hard not just on the bills and the responsibilities, but it's the fact that we get sick. When taking medicines on our own and a break for one to two days no longer works, hospitalization comes in. Worst-case scenario, you end up with huge medical expenses and no means to cover them. And that's where a healthcare provider comes in.

 

At first, you may think of it as an addition to your expenses. But in the long run, investing in a health care insurance provider offers security in the time of need.

 

Sadly, health insurance is still not a priority for most Filipino households. One of the many reasons could be the lack of information about life and health insurance, available medical services, and the health benefits we can utilize.

 

In this article, we'll help you know the basics of health insurance. Plus, we made a list of the top health insurance companies in the country to help you choose the best one that may fit your needs.

 

What is Health Insurance?

Health insurance is defined as the collateral that aids you in paying hospital bills. It can be your medical expenses or one of your dependents enrolled in the chosen plan. Depending on the insurance plan it covers either medical or surgical procedures and dental expenses. It may also cover expenditures on prescribed drugs. To simplify, it's a system that finances and reimburses your health expenses through your contributions.

 

Unlike Health Maintenance Organizations (HMO), which offer a limited network of healthcare providers, private health insurance companies offer access to a wider and more extensive network. The average cost of Health Insurance in the Philippines ranges from Php 1,400 up to Php 40,000 on minimum. Take note that we have 3 types of medical insurance that share the same goal: to provide aid to their member's medical bills and afford health services.

 

10 Best Health Insurance Companies in the Philippines with a Comprehensive Health Plan

 

Maxicare Healthcare

Maxicare is among the pioneers in the HMO industry and was established in 1987 by an esteemed group of doctors and businessmen. For more than 3 decades, with the vision to deliver a better healthcare system. More than three decades later, Maxicare consistently provided comprehensive healthcare programs through its wide network of medical providers.

 

Maxicare has more than 24,000 affiliated doctors and specialists, 1,400 hospitals and clinics, and 1,000 dental clinics. They also have 180 rehabilitation, dialysis, and eye centers. Maxicare now services over 1.6 million members across the country. They cater to corporate segments, small to medium-sized enterprises, families, and individuals. This HMO company has accredited hospitals in various locations so members can conveniently access healthcare services. Here's what Maxicare has to offer:

 

  • My Maxicare - a specialized program created for individuals and families, that can be customized to fit their budget and needs.

  • MyMaxicare LITE - a prepaid health card that provides one-time Confinement coverage for eight (8) identified illnesses:  Dengue, Malaria, Cholera, Typhoid, Paratyphoid, Gastroenteritis, Pneumonia, Leptospirosis, and Chikungunya.

  • Maxicare EReady - a prepaid health card that provides one-time coverage for illnesses or injuries that require immediate medical assistance.

  • Maxicare EReady Advance - is a prepaid health card that provides a one-time coverage for Emergency related cases including those requiring confinement with unlimited Outpatient Consultations within Maxicare’s network of Primary Care Clinics (PCC).

  • Maxicare PRIMA - is a prepaid healthcare plan for individuals that offers unlimited Outpatient Consultations, and access to 255 types of laboratory and diagnostic procedures within Maxicare’s network of Primary Care Centers (PCC) and MyHealth Clinics.

 

For the complete details of inpatient and outpatient services and other health care services, check out Maxicare's Healthcare Programs.

 

Intellicare

Intellicare started on November 21, 1995, as Asalus Corporation led by Chairman Mario M. Silos. With its principles of integrity, fairness, honesty, hard work, and an enduring sense of humanity, the Intellicare family steadily grew. As of 2016, Intellicare has reached 1,000,000 members and still counting. They have 43,500 affiliated doctors and medical specialists and a solid 90% rate of client retention and customer loyalty.

 

According to their website, they have an SME FIT Plan and a Corporate Plan.

 

MediCard Philippines

MediCard is a leading Health Maintenance Organization (HMO) offering total healthcare services to corporations, SMEs, individuals, and families. MediCard is a health insurance provider incorporated in December 1986 and was formally inaugurated on May 15, 1987. They provide comprehensive healthcare coverage to individuals in Metro Manila as well as in key provincial areas, which made healthcare accessible to many Filipinos.

 

This HMO company takes pride in almost one million members and over 54,000 accredited doctors in over 1,000 hospitals and clinics nationwide. They have also introduced My MediCard, RxER, Health Plus, and Health Check Cards. If you're an Overseas Filipino Worker, you can also avail health protection for your loved ones here in the Philippines through MediCard Kabayan. Here are the 7 available health insurance plans you can get for yourself:

 

  • Health Check - Get unlimited check-ups for the cost of one consultation fee!  The MediCard Health Check card gives you unlimited check-ups with our primary care physicians and select specialists, a 20% discount on labs and tests, plus a one-time annual physical exam—all for only P500.
    Valid for one year at any MediCard free-standing clinic.

  • HealthPlus - For only Php 1,100, get preventive and out-patient coverage in MediCard Free-Standing Clinics (FSCs) for only Php 1,100.
    Valid for one year at any MediCard free-standing clinic.

  • RxER - This comprehensive health care plan is designed to give members a specialized healthcare maintenance service that covers emergency for trauma cases, and preventive and outpatient care. There’s no age limit, no medical check-up is required and hierarchy is waived.

  • My MediCard - You are secured with unlimited check-ups with select MediCard-accredited doctors with this ultimate health card for only Php 3,600. It also comes with one-time oral prophylaxis.
    Valid for one year at any MediCard free-standing clinic.

  • Individual and Family - These plans are specifically created for individuals and families who want to have coverage for hospitalization, out-patient, preventive healthcare, emergency, financial assistance, and dental care. Starts at Php 10,739 per year.

  • VIP - Get more comprehensive healthcare coverage with MediCard VIP. On top of the extensive hospitalization, out-patient, preventive healthcare, emergency, member’s financial assistance, and dental care coverage, it also comes with health care assistance during an emergency abroad. Customize your plan starting at Php 25,379 today.

  • MediCard Select - This is an innovative solution that allows members of all ages to avail themselves of healthcare coverage for minimum fees and management of funds. Highlight, members only pay for what is utilized and unused funds shall be returned. The fund starts at Php 30,000 per year.

For more details and health insurance policy, visit MediCard.

 

Caritas Health Shield

Since 1995, this health care service provider has been offering superior and iconic multi-year health plans. With 76 branch offices, they guarantee the best medical services from their accredited nationwide network of 15,000 doctors of medicine. They come from varied fields of specialization, including dentists, hospitals, laboratories, and diagnostic clinics, plus their very own 15 Clinica Caritas.

 

Their programs include the Enhanced Core 6 & 10 Health Care Program (Maximum health care coverage is up to 6 years and 10 years. The payment period is 5 years.) and KIDDIE Health Plan (Maximum health coverage is up to 10 years. The payment period is 5 years). Check out the complete details of the maximum benefit limit and other information here.

 

PhilHealth Care (PhilCare)

PhilCare believes that Filipinos deserve efficient and accessible healthcare. From acquisition, benefits, and up to actual utilization, Philcare's technology-driven approach provides ease and convenience for its members. Aside from their holistic approach to wellness, PhilCare creates health plans designed specifically to what Filipinos need.

 

They now have more than 1,600 affiliated hospitals and clinics and more than 48,000 affiliated physicians you can trust. PhilCare offers Prepaid Health Cards, Comprehensive Health Programs, Corporate Plans, MedHub, and Home Care Medical Services.

 

PhilCare's Comprehensive Health Programs include:

  • Health LUXE - promotes overall wellness and a healthy lifestyle. It gives direct access to health care, travel assistance, and lifestyle services all packed into one health care plan.

  • Health PRO - provides coverage for preventive, out-patient, in-patient, emergency care including ambulance service. Also, it can cover additional financial assistance such as term life insurance and accidental death and dismemberment.

  • Health 360 - this also provides coverage for preventive, out-patient, in-patient, emergency care including ambulance service, and additional financial assistance such as term life insurance and accidental death and dismemberment.

 

If you'd like a health insurance plan, check out the complete details on their services page.

 

ValuCare Health System

ValuCare is built to provide comprehensive health care through outpatient consultation and hospitalization benefits package. It is accessible via its network of health care providers and facilities. They have branch offices established in Cebu, Iloilo, and Davao to meet the needs of its ever-expanding client base. They are one of the best HMO companies that have the most comprehensive provider networks in the HMO industry. 1,300 accredited hospitals and clinics, 990 dental clinics, and 19,000+ medical specialists, all equipped to render medical services to all plan holders nationwide.

 

ValuCare boasts of having one of the highest renewal rates in the industry, which is a key factor in its steady and sustained growth throughout the years since 1997.

 

Here's a list of their health programs available:

  • Individual Account - Eligible individual with no dependents and not enrolled within a group or corporate account.

  • Familly Account - Minimum of 3 members, with at least one (1) adult as the principal member.

  • Corporate Account - A group of individuals working in the same company/organization. A company must have at least 20 regular employees and are 100% in regular status.

Do you want to know more if ValuCare can cover all your medical expenses? Check out the full details here.

 

EastWest Health Care

For nearly 20 years, EastWest Healthcare has remained committed to making healthcare accessible by linking its network of providers and continuously developing strategic partnerships. Their dedication focuses on improving the lives of the Filipinos through practical healthcare solutions and a unique approach to giving healthcare benefits.

 

EastWest Health believes that everyone should have access to affordable, quality healthcare. But as an insurance company, their selling point is that you have the right to decide on your medical care. hence, allowing members to access their preferred network of hospitals and doctors. Now, 130,000 cardholders enjoy what they offer.

 

Here are their programs tailored for your needs:

  • Flexi-Health Protect - This is a premier comprehensive and fully customizable healthcare program designed for companies with diverse medical needs. it combines the strength of Medical Insurance Plans (reimbursement type) and HMO programs (No-Cash Outlay) in one.

  • Royal Health Advantage - This program is designed for small to medium enterprises. Employees can already enjoy full healthcare coverage inclusive of APE, dental services, and financial assistance benefits.

  • MedAssist - With this superior group healthcare plan, you are provided with complete coverage in case of outpatient medical emergencies with a daily cash allowance during confinements. It also includes accident insurance and optional riders that can be added to better fit your group's healthcare needs.

  • Infinity Health Advantage - A comprehensive plan designed to provide personal and family protection from health and financial loss. It covers services like out patient care, inpatient services, and emergency care along with hospital assistance perks and life insurance as well.

To know more about the complete details of their comprehensive products, you can visit their site and send an inquiry.

 

Avega Managed Care

Avega is one of the country's leaders in healthcare administration. They offer customized healthcare solutions that adapt and grow with our changing needs. Avega provides excellent value and service to the individuals and communities, giving them access to high-quality, affordable healthcare. Plus, they vow to deliver healthcare services with a deep sense of humanity and compassion, founded on integrity, transparency, accountability, and respect for life- cornerstones of Avega's corporate values.

 

With 55,900 affiliated doctors and specialists, 15 Regional and satellite offices, and 2,800 hospitals and clinic networks, they surely have provided optimum medical care to Filipinos. If you want a customized healthcare plan, contact them today.

 

Insular Health Care (InLife)

Insular Health Care (IHC) has a clear objective and it's to be the Filipino’s partner in achieving Wellness For a Lifetime. This purpose strengthens our commitment to bringing affordable, high-quality health care services closer to all Filipinos. With their wealth of experience in the health system, they were able to design innovative health care solutions that best fit diverse lifestyles and price points and deliver them through channels in a timely and convenient way to customers.

IHC boasts of over 1,500 accredited hospitals and clinics nationwide where members can select where and from whom they want to get their healthcare services. Below are the healthcare products you can get on InLife Health Care:

  • ER Care All-In 80 Adults - This one-time use health care voucher provides up to Php 80,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

    Services included: outpatient and inpatient emergency care, semi-private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

 

  • ER Care All-In 100 Adults - This one-time use health care voucher provides up to Php 100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

    Services included: outpatient and inpatient emergency care, regular private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

 

  • ER Care All-In 60 Kids - This one-time use health care voucher provides up to Php 60,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

    Services included: outpatient and inpatient emergency care, wardroom use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

 

  • ER Care All-In 80 Kids - This one-time use health care voucher provides up to Php 80,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

    Services included: outpatient and inpatient emergency care, semi-private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

 

  • ER Care All-In 100 Kids - This one-time use health care voucher provides up to Php 100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

    Services included: outpatient and inpatient emergency care, regular private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding *Top 6 hospitals.

 

  • ER Care All-In Basic 50 - This one-time use health voucher provides up to Php50,000 worth of coverage for emergency cases due to accidents.

    Services included: outpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding the *Top 6 hospitals.

 

  • ER Care Booster 60 - This one-time use health care voucher provides up to Php 60,000 worth of coverage for emergency cases due to accidents.

    Services included: outpatient and inpatient emergency care, wardroom use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding the *Top 6 hospitals.

 

  • ER Care Booster 80 - This one-time use health care voucher provides up to Php 80,000 worth of coverage for emergency cases due to accidents.

    Services included: outpatient and inpatient emergency care, semi-private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding the *Top 6 hospitals.

 

  • ER Care Booster 100 - This one-time use health care voucher provides up to Php 100,000 worth of coverage for emergency cases due to accidents.

    Services included: outpatient and inpatient emergency care, regular private room use, laboratory, and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide excluding the *Top 6 hospitals.

 

  • ER Care Choice 30 - This one-time use health care voucher provides up to Php 30,000 worth of coverage for emergency cases due to accidents, viral & bacterial illnesses, and specific conditions.

    Services included: outpatient and inpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide including the *Top 6 hospitals.

 

  • ER Care Choice 50 - A one-time use health care voucher that provides up to Php 50,000 worth of coverage for emergency cases due to accidents, viral & bacterial illnesses, and specific conditions.

    Services included: outpatient and inpatient emergency care, laboratory and diagnostic procedures, and medicines as medically required. Accepted in more than 500 IHC-accredited hospitals nationwide including the *Top 6 hospitals.

 

  • MedConsult Adults - This multiple-use health voucher provides a range of consultation services with IHC-accredited medical specialists and dentists.

    Services included: face-to-face outpatient medical consultations with general physicians, family medicine specialists, internal medicine specialists, dental consultations and procedures, as well as telemedicine access.

 

  • MedConsult Kids - This multiple-use health voucher provides a range of consultation services with IHC-accredited medical specialists and dentists and access to telemedicine.

    Services included: face-to-face outpatient medical consultations with IHC-accredited pediatricians nationwide.

 

  • MedConsult Seniors - This multiple-use health voucher provides a range of consultation services with IHC-accredited medical specialists and dentists.

    Services included: face-to-face outpatient medical consultations with general physicians, family medicine specialists, internal medicine specialists, dental consultations and procedures, as well as telemedicine access.

 

  • SHE'S WELL - LILY - This health voucher covers a range of diagnostic procedures and laboratory tests for girls, 18 years old and below. Includes hospital coverage for emergency cases due to accidents and 1-year unlimited access to telemedicine/remote medical consultation with MyPocketDoctor.

    Accepted in Hi-Precision, The Medical City Clinics, and Keralty clinics nationwide.

  • SHE'S WELL - VIOLET - This health voucher covers a range of diagnostic procedures and laboratory tests for women, 19 to 35 years old. Includes hospital coverage for emergency cases due to accidents and 1-year unlimited access to telemedicine/remote medical consultation with MyPocketDoctor.

    Accepted in Hi-Precision, The Medical City Clinics, and Keralty clinics nationwide.

  • SHE'S WELL - IRIS - This health voucher covers a range of diagnostic procedures and laboratory tests for women, 36 to 45 years old. Includes hospital coverage for emergency cases due to accidents and 1-year unlimited access to telemedicine/remote medical consultation with MyPocketDoctor.

    Accepted in Hi-Precision, The Medical City Clinics, Keralty clinics nationwide.

  • SHE'S WELL - ROSE - This health voucher covers a range of diagnostic procedures and laboratory tests for women, 46 and above years old. Includes hospital coverage for emergency cases due to accidents and 1-year unlimited access to telemedicine/remote medical consultation with MyPocketDoctor.

    Accepted in Hi-Precision, The Medical City Clinics, and Keralty clinics nationwide.

  • Total ProtectER - Composed of a term insurance product with a daily hospital income benefit for a six-month coverage; and a one-time use health care voucher that provides up to Php100,000 worth of coverage for emergency cases due to accidents and viral and bacterial illnesses and specific conditions.

 

Pacific Cross Health Care

Pacific Cross is a medical insurance and travel insurance provider. They understand the physical and financial strains that come with becoming ill or having an accident. Pacific Cross takes initiative in providing you with protection even when you travel. Achieve peace of mind - so that you don't lose sleep worrying about the financial consequences of critical illness or accidents. Pacific Cross got you covered. Here are their medical insurance plans:

  • Blue Royale

  • LifeStyle

  • Select

  • Premier

  • Critical Cover Extra

  • BC Flex Access and BC Flexi Access Plus

  • Blue Royal Premier

  • FlexiSHield

 

Start Your Life Investment with Lumina Homes

With all these talks about comprehensive health care plans from different healthcare organizations, we hope that you also invest in your future on the real estate side. You also need a house and lot that best fits you and your lifestyle.

 

Lumina Homes have projects in these 50 key locations nationwide; including Rizal, Bulacan, Pampanga, Bataan, Zambales, Nueva Ecija, Tarlac, Pangasinan, La Union, Cagayan, Isabela, Cavite, Batangas, Laguna, Quezon, Camarines Norte, Albay, Sorsogon, Iloilo, Capiz, Cebu, Negros Occidental, Agusan del Norte, Zamboanga del Sur, Bukidnon, Misamis Occidental, Davao del Norte, Davao del Sur, and South Cotabato.

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