Diabetes treatment is costly and expensive. Find out which HMOs have coverage for diabetes in the Philippines.
Diabetes may require blood tests, laboratory examinations, insulin injections and medicine intake. See this list of HMO choices for your needs as a diabetic patient.
- Maxicare Prima Gold
Benefits
- Unlimited Doctor Consultations
- Unlimited diagnostic procedures including 2d echo, ECG and ultrasound
- Consultation with endocrinologist
See Prima Gold
2. Medicard Select
Benefits
- Includes annual physical exam and blood tests including Fasting Blood Sugar
- Regular doctor consultations and treatment
- Diet counseling
3. Philcare Unli Consult
Benefits
- Unlimited number of consultations (useful for Endocrinologist doctors)
- Consultations with neurologist for diabetic neuropathy
- Consultations with ophthalmologist for diabetic retinopathy
4. ValuCare
Benefits
- Covers pre-existing conditions on the 2nd year for up to 50% MBL or maximum benefit limit
- Covers pre-existing conditions on the 3rd year for up to 100% MBL
An HMO plan will not directly cover diabetes since it is a pre-existing condition. However, you should choose the one that could lessen your out of pocket payments.
For diabetics, the following may be covered:
- Consultations (Endocrinologist)
- Emergency treatment of wounds
- Blood tests
- Related diagnostic tests (up to MBL on the 2nd year of membership
How much is the covered amount?
Health cards in the Philippines has a diabetes coverage price from Php 5,000 to Php 10,000 since it is considered as pre-existing condition. For some HMOs, this coverage is only applicable on the second year of membership.
Therefore, you can only maximize the card’s benefits after one full year of coverage.
For those who want a comprehensive coverage for diabetes, health insurance may be a good option. The plans will cover hospitalizations and treatments related to the disease. However, one should expect a higher premium to pay.
References: NCBI
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