Comparison of
HMO and Health Insurance
in the Philippines

We found 42 health insurance(s) for you!

FWD KanLive Life Protection Insurance

Accidental Death

₱200,000 cash benefit

Maximum Benefit Limit
₱200,000
Monthly Premiums
₱ 150

    FWD KanGuard Personal Accident and Terrorism Insurance

    Accidental Death

    Up to ₱500,000 Accidental death and dismemberment benefit.

    Maximum Benefit Limit
    -
    Monthly Premiums
    ₱ 150

      FWD KanMend Critical Illness Insurance

      Accidental Death

      -

      Maximum Benefit Limit
      ₱100,000
      Monthly Premiums
      ₱ 150

        FWD BIG 3 Critical Illness

        Accidental Death

        -

        Maximum Benefit Limit
        ₱2 Million benefit amount
        Monthly Premiums
        ₱ 149

          Pioneer Personal Contingency Plan 1

          Accidental Death

          ₱500,000 (includes accidental death, dismemberment or disablement)

          Maximum Benefit Limit
          ₱500,000
          Monthly Premiums
          ₱ 720

            Pioneer Personal Contingency Plan 2

            Accidental Death

            ₱1,000,000 (includes accidental death, dismemberment or disablement)

            Maximum Benefit Limit
            ₱1,000,000
            Monthly Premiums
            ₱ 990

              Pioneer Personal Contingency Plan 3

              Accidental Death

              ₱1,500,000 (includes accidental death, dismemberment or disablement)

              Maximum Benefit Limit
              ₱1,500,000
              Monthly Premiums
              ₱ 1,190

                Generali Group Personal Accident Insurance

                Accidental Death

                ₱30,000 Personal Accident ₱30,000 Group life Insurance ₱1,500 Reimbursement ₱15,000 Permanent Disability

                Maximum Benefit Limit
                Up to ₱265,500 monthly
                Monthly Premiums
                ₱ 135

                  Etiqa Insurance MyLife+ Plan

                  Accidental Death

                  Up to ₱100,000 Accidental death and dismemberment benefit.

                  Maximum Benefit Limit
                  ₱100,000
                  Monthly Premiums
                  ₱ 1,700

                    Maxicare Platinum Plus

                    Accidental Death

                    ₱25,000

                    Maximum Benefit Limit
                    ₱200,000
                    Monthly Premiums
                    ₱ 3,459

                      Maxicare Platinum

                      Accidental Death

                      ₱25,000

                      Maximum Benefit Limit
                      ₱150,000
                      Monthly Premiums
                      ₱ 1,924

                        Maxicare Gold

                        Accidental Death

                        ₱25,000

                        Maximum Benefit Limit
                        ₱100,000
                        Monthly Premiums
                        ₱ 1,454

                          Maxicare Silver

                          Accidental Death

                          ₱25,000

                          Maximum Benefit Limit
                          ₱60,000
                          Monthly Premiums
                          ₱ 1,199

                            Insular Life iCARE A

                            Accidental Death

                            -

                            Maximum Benefit Limit
                            ₱100,000
                            Monthly Premiums
                            ₱ 1,155

                              Insular Life iCARE B

                              Accidental Death

                              -

                              Maximum Benefit Limit
                              ₱120,000
                              Monthly Premiums
                              ₱ 1,387

                                Insular Life iCARE C

                                Accidental Death

                                -

                                Maximum Benefit Limit
                                ₱150,000
                                Monthly Premiums
                                ₱ 2,028

                                  Fortune Care Plan 500

                                  Accidental Death

                                  -

                                  Maximum Benefit Limit
                                  ₱100,000
                                  Monthly Premiums
                                  ₱ 1,004

                                    Fortune Care Plan 600

                                    Accidental Death

                                    -

                                    Maximum Benefit Limit
                                    ₱120,000
                                    Monthly Premiums
                                    ₱ 1,020

                                      Fortune Care Plan 700

                                      Accidental Death

                                      -

                                      Maximum Benefit Limit
                                      ₱140,000
                                      Monthly Premiums
                                      ₱ 1,055

                                        Fortune Care Plan 800

                                        Accidental Death

                                        -

                                        Maximum Benefit Limit
                                        ₱160,000
                                        Monthly Premiums
                                        ₱ 1,089

                                          Fortune Care Plan 900

                                          Accidental Death

                                          -

                                          Maximum Benefit Limit
                                          ₱180,000
                                          Monthly Premiums
                                          ₱ 1,124

                                            Fortune Care Plan 1000

                                            Accidental Death

                                            -

                                            Maximum Benefit Limit
                                            ₱200,000
                                            Monthly Premiums
                                            ₱ 1,255

                                              Fortune Care Plan 1500

                                              Accidental Death

                                              -

                                              Maximum Benefit Limit
                                              ₱300,000
                                              Monthly Premiums
                                              ₱ 1,455

                                                Eastwest Health Option 1A

                                                Accidental Death

                                                -

                                                Maximum Benefit Limit
                                                ₱80,000
                                                Monthly Premiums
                                                ₱ 763

                                                  Eastwest Health Option 1B

                                                  Accidental Death

                                                  -

                                                  Maximum Benefit Limit
                                                  ₱100,000
                                                  Monthly Premiums
                                                  ₱ 892

                                                    Eastwest Health Option 1C

                                                    Accidental Death

                                                    -

                                                    Maximum Benefit Limit
                                                    ₱150,000
                                                    Monthly Premiums
                                                    ₱ 1,139

                                                      Eastwest Health Option 1D

                                                      Accidental Death

                                                      -

                                                      Maximum Benefit Limit
                                                      ₱250,000
                                                      Monthly Premiums
                                                      ₱ 1,687

                                                        Eastwest Health Option 2A

                                                        Accidental Death

                                                        -

                                                        Maximum Benefit Limit
                                                        ₱80,000
                                                        Monthly Premiums
                                                        ₱ 670

                                                          Eastwest Health Option 2B

                                                          Accidental Death

                                                          -

                                                          Maximum Benefit Limit
                                                          ₱100,000
                                                          Monthly Premiums
                                                          ₱ 779

                                                            Eastwest Health Option 2C

                                                            Accidental Death

                                                            -

                                                            Maximum Benefit Limit
                                                            ₱150,000
                                                            Monthly Premiums
                                                            ₱ 990

                                                              Eastwest Health Option 2D

                                                              Accidental Death

                                                              -

                                                              Maximum Benefit Limit
                                                              ₱250,000
                                                              Monthly Premiums
                                                              ₱ 1,456

                                                                BIMA Personal Accident Insurance

                                                                Accidental Death

                                                                ₱210,000 (includes disability due to accident)

                                                                Maximum Benefit Limit
                                                                ₱210,000
                                                                Monthly Premiums
                                                                ₱ 70

                                                                  AXA Health Max

                                                                  Accidental Death

                                                                  ₱20,000

                                                                  Maximum Benefit Limit
                                                                  ₱10,000,000
                                                                  Monthly Premiums
                                                                  -

                                                                    Medicard Plan 8,000

                                                                    Accidental Death

                                                                    ₱20,000

                                                                    Maximum Benefit Limit
                                                                    ₱50,000
                                                                    Monthly Premiums
                                                                    ₱ 746

                                                                      Medicard Plan 10,000

                                                                      Accidental Death

                                                                      ₱20,000

                                                                      Maximum Benefit Limit
                                                                      ₱60,000
                                                                      Monthly Premiums
                                                                      ₱ 837

                                                                        Medicard Plan 15,000

                                                                        Accidental Death

                                                                        ₱20,000

                                                                        Maximum Benefit Limit
                                                                        ₱100,000
                                                                        Monthly Premiums
                                                                        ₱ 1,309

                                                                          Medicard Plan 18,000

                                                                          Accidental Death

                                                                          ₱20,000

                                                                          Maximum Benefit Limit
                                                                          ₱120,000
                                                                          Monthly Premiums
                                                                          ₱ 1,521

                                                                            Medicard VIP Plan 200,000

                                                                            Accidental Death

                                                                            ₱20,000

                                                                            Maximum Benefit Limit
                                                                            ₱250,000
                                                                            Monthly Premiums
                                                                            ₱ 1,762

                                                                              Medicard VIP Plan 250,000

                                                                              Accidental Death

                                                                              ₱20,000

                                                                              Maximum Benefit Limit
                                                                              ₱350,000
                                                                              Monthly Premiums
                                                                              ₱ 2,090

                                                                                Medicard VIP Plan Large Private

                                                                                Accidental Death

                                                                                ₱20,000

                                                                                Maximum Benefit Limit
                                                                                ₱450,000
                                                                                Monthly Premiums
                                                                                ₱ 3,811

                                                                                  Medicard VIP Plan Suite

                                                                                  Accidental Death

                                                                                  ₱20,000

                                                                                  Maximum Benefit Limit
                                                                                  ₱700,000
                                                                                  Monthly Premiums
                                                                                  ₱ 5,579

                                                                                    FWD The One Life Insurance

                                                                                    Accidental Death

                                                                                    Your beneficiaries will receive a cash benefit when you pass away due to an accident.

                                                                                    Maximum Benefit Limit
                                                                                    100% of benefit amount
                                                                                    Monthly Premiums
                                                                                    ₱ 510
                                                                                      Last updated: Mar 8, 2024

                                                                                      FAQs Frequently Asked Questions On Health Insurance

                                                                                      Health Care In The Philippines

                                                                                      According to the latest statistics available in the country’s public insurance system, PhilHealth (June 2013), 85% of the working class are enrolled in the system. Since 1991, there had been major changes on how the Filipinos view health care, mostly through active involvement of the private sector accounting for 50% of the health care system in the Philippines.

                                                                                      Difference Of HMO, Health Insurance And Medical Insurance

                                                                                      Health Maintenance Organization (HMO) is a prepaid health care system wherein an Insurance Company handles the distribution of networks, providers, and members all in one umbrella. Health insurance on the other hand, covers pre and post care that handles an individual’s well-being. Lastly, medical insurance covers treatments at the time that an accident or disease occurs.

                                                                                      What Is The Difference Of Life And Health Insurance?

                                                                                      Life insurance is a contract where upon death of the insured, the insurer is bound to pay a lump sum of money, provided that the insured pays a premium. Payment is also possible in the event of critical illness. Health insurance is a contract between the insurance company and an individual or group that can avail services provided by third parties. Health insurance comes in the form of an HMO, PPO and Medical Insurance. For both instances, the insured pays a premium depending on what the person wants, either monthly, quarterly, semi-annually or annually in exchange of a later payment (for life insurance) or discounted services of various providers in the insurance company's network (for health insurance).

                                                                                      What Is Health Insurance Policy?

                                                                                      An insurance policy is typically a plan the insured chose. Insurance policies are not made alike resulting to different amount of premiums, pay-outs and lock-in periods. The insurance policy states all the terms the insured and insurer agrees upon.

                                                                                      Health Insurance Companies

                                                                                      There are various companies in the Philippines that offer a wide range of health insurance, aiming to make health care affordable to every Filipino. Here are the most trusted health insurance companies currently in the market: Insular Life, Manulife, BPI, Philamlife, AIG, and Blue Cross.

                                                                                      What Should I Look For In A Health Care Insurance Provider?

                                                                                      First, work out a budget, this will effectively narrow down all available health care providers. Next is to choose which plan makes the most sense based on the needs of the policy holder. Lastly, get feedback from other customers on how the health care provider responds to insurance claims. You can also read about our article for additional tips on how to identify a good health insurance provider.

                                                                                      Why Is It Necessary For Me To Have A Health Plan?

                                                                                      Inpatient Care is a benefit wherein an individual looks for therapeutic consideration and treatment in the doctor's facility due to a quick need. This dependably prompts control wherein the benefits that accompanies it incorporates the following but is not constrained to: hospitalization, recovery, rescue vehicle charges, research center tests and medicine. Outpatient is similar to inpatient care, wherein the difference is that the person involved as exhorted by the specialists can medicate from the solace of the person's own home or just outside the doctor's facility. Outpatient care normally incorporates the following: well being, preventive care systems like research facility tests, ECG, Physical Exams, Chest X-Ray and Urine and Stool Analysis. Further coverage includes crisis care wherein the expression "crisis" signifies taking quick care due to a result of a dangerous occasion brought about by voyaging or just from a general mischance.

                                                                                      To summarize, health insurance provides financial assistance for unforeseen circumstances that may or may not happen to you in the future. Being prepared is always better than having a cure, especially if it would cost money that may hamper your cash flow. To give you a better idea, our article on how health insurance can help you avoid being bankrupt, will provide added info on the financial importance and advantages of having a health insurance coverage.