HMO subscription may be too much for the budget conscious Filipino. However, prepaid health cards are now available so find one that suits your capacity to pay.
What Hmo Type Is Right For You?
Select one of the following options:
The price of a prepaid HMO can range from Php 700 to Php 5,999 which depends on the coverage and benefits. It is a good idea to look at the price list of health cards and do a comparison of these products.
Best Prepaid Health Cards
InLife (iCare)
InLife health cards have affordable prices to get you started with health insurance coverage.
| Product Name | Price (Php) | Benefits |
|---|---|---|
| ER Care Basic | 700 | – For accidents – Php 50,000 coverage – Doctor’s professional fee – Emergency room treatment – Laboratory and diagnostic procedures – Required medicines during hospitalization |
| ER Care Booster 60 | 800 | – For accidents – Php 60,000 coverage – Ward – Doctor’s fee – Emergency room – Lab and diagnostic procedures – Room accommodation – Required medicines – Surgery and surgeon’s fees – Cash allowance of Php 1,000 when confined |
What we like: InLife’s iCare products are a game changer. They carefully segmented the possible needs of the user and priced them accordingly.
This gives buyers more options as to how they perceive their lifestyle to influence possible medical costs. For example, those motorcycle riders may buy the ER Basic or ER Total Protect care that they can use if they meet an accident.
See their products at https://shop.insularhealthcare.com.ph/
Maxicare
Maxicare has recently removed some of the cards they are offering. Maxicare has an extensive network of hospitals, doctors and clinics for members. You can choose a card based on your needs.
| Product Name | Price (Php) | Benefits |
|---|---|---|
| Maxicare Prima Gold | 16,888 | – unlimited access to 800 lab and diagnostic procedures – unlimited consultations – valid at Maxicare clinics – newborns to seniors – with pre-existing condition – 24/7 teleconsult – free dental services |
What We Like: As on of the top HMO companies, their Prima Gold can be the most useful for those with pre-existing conditions. The unlimited consultation and diagnostic tests included in the package makes it affordable in the long term.
For example, if you have diabetes or hypertension, you can maximize your benefit by using it as part of the routine check up for lipid profile or blood sugar tests. In relation to such diseases, ECG and 2D echo may also be prescribed by your doctor, which is of course covered by your card.
Check Maxicare’s Prima Gold
Medicard
Medicard offers total health packages for individuals, SMEs and families.
| Product Name | Price (Php) | Benefits |
|---|---|---|
| My Medicard | 3,600 | – unlimited consultations with accredited doctors and hospitals Family medicine Internal medicine Cardiologist Endocrinologist Pulmonologist Gastroenterologist Dentists – dental prophylaxis for mild cases |
| RXER | 1,998 | – annual physical exam (APE) in Medicard clinics – doctor consultations in Medicard clinics General Practitioner Family Medicine Physician Pediatrician Medical Internist Gynecologist – other doctors types, pay flat rate of Php 350 – burns – animal bites – trauma |
What we like: Options. The company offers different products based on the user’s needs. The cheap RxER card can help you maximize emergency room benefits that include accidents and injuries.
APE is also a preventive service to help you maintain a healthy lifestyle. It is covered by this card at least 14 days after you purchase it online.
See Medicard Plans
It is undeniable that we Filipinos prefer to have a prepaid account for any types of services as stated in this Manila Bulletin article. It is more convenient and usually cheaper than postpaid account types.
Most prepaid health cards have a validity of one (1) year upon activation of the account. Some of them may have a grace period of 15 days after activation before the member can avail of the benefit coverage.
However, accidents and emergency room treatment are covered once activated. This means you can only avail the promotion once during an ER visit or treatment. However, some prepaid cards allow for multiple use for emergency room incidents.
The prepaid cards are available online. You can pay using your credit card or e-wallets. One may also avail the cards at any of the business centers or branches of the HMO company in your area.
Since the cards are prepaid, there is no need for a renewal. Simply purchase the same card so you can get covered for the next year.
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