HMO for Kids and Teens: Are They Qialified?

Life is unpredictable and it is better to have a reliable health plan for any medical situations. But is there an HMO that caters to child hospitalizations? Learn more about your option as you read through this post.

Health Plans for Kids

You will be happy to see that there are actually a lot of options that will suite your needs. Here are some of our picks to get you started.

Maxicare

Individual and Family Plans

The company has a Family membership plan suitable for kids. For example, a Silver Plan can be modified to accommodate dependents of any age. We noticed that the younger the dependent is, the higher the add-on rate to the annual fee.

For example, a 32 year old principal member with two dependents (kids) will have to pay Php 60,675.00 in total for a Maximum Benefit Limit of Php 100,000.

Here’s the sample computation:

Note that the rates are estimates based on the company’s online calculator tool.

Website: https://www.maxicare.com.ph

Philcare

Health Vantage 60 for Kids

Price: Php 9,050

One of the more affordable health card for kids, this prepaid health card is very convenient to avail online. No need for check ups and evaluation just pure purchase and activation. The main advantage of prepaid health plans for children is the faster coverage time. You may purchase this product if you have a child with an age range from 6 months to 17 years old.

This prepaid card give the child multiple-time coverage up to Php 60,000 for sickness due to viruses or bacteria. Injuries and accidents are also covered except those related to stroke.

Just like with other plans, coverage is also applicable to room and board, doctors’ fees and lab procedures.

Website: https://shop.philcare.com.ph

InLife

K12 Health Cover

Price: Php 1,000

This is is one of the most affordable health plans for kids. The good news is you can get this for your child age 1 to 20 years old. There is no need for medical evaluation since you can buy this online and get activated.

The plan covers emergency cases in which children are most vulnerable of including Dengue, Leptospirosis, and COVID-19 worth Php 50,000. Even though it is a one time coverage plan, it would be hard to miss this opportunity at a very low price.

The benefit limit will cover all of these:

• Emergency room treatment 
• Doctor’s fee 
• Required medicines during hospitalization
• Ward room accommodation
• Laboratory and diagnostic

You can use this plan at any of the 500 accredited hospitals including the top 6 medical centers.

Website: https://shop.insularhealthcare.com.ph/

Should I Get a Health Card For My Kids?

Our children have a greater risk of getting sick. This fact is based on their weaker immune system together with lifestyle being playful. If you do not have enough savings for hospitalization, it may be practical to get a least minimal protection against unforeseen medical expenses. This is where a health card may be able to assist.

Principal Vs Dependent

Can I enroll my child to a principal HMO account? This is quite tricky because no company will allow a minor as a principal account holder for a health plan. The best option for you is to put the child under your account as dependent. This is especially good for employees since the rates are deducted automatically from the monthly salary.

For other non-employed individuals, it may be a different story. You actually have more options since there are also prepaid health cards available from newborn to 17 years old. Simply choose the one with benefits that you need and you can get immediate coverage.

Are Health Cards for Children Renewable?

You may renew the plan yearly since they are attached to you as the principal account holder. The HMO will bill you based on your renewal option. On the other hand, prepaid cards expire after a year. So you need to purchase a new one to get your child covered for the next 12 months.

Final Thoughts

Having a reliable health card makes it easier for you to recover from sickness. Now that you have options to also protect your children, choose the health plan that provides you with great benefits but still within your budget.