In 2025, providing comprehensive healthcare benefits remains a cornerstone of employee satisfaction and retention. With rising medical costs, partnering with a reliable Health Maintenance Organization (HMO) is crucial for businesses aiming to offer quality healthcare to their workforce. Below is an updated list of top HMO providers in the Philippines, highlighting their offerings tailored for businesses.
Why HMO / Health Card is Important
Ensuring the well-being of your employees is paramount for the success of your business. Happy employees are productive employees, as they say. But with health concerns on the line, it would be impossible for employees to perform at their best. Recognizing the importance of healthcare coverage is the first step in fostering a positive well-being of your employees. With limited capabilities of our healthcare system in the country, it can be difficult for your business, especially your employees, to finance the bills of hospital care without the right healthcare coverage.
Recognizing the importance the healthcare coverage
Things to Consider When Choosing from HMO Providers in the Philippines for your Business
Just like businesses, choosing the right HMO provider comes down to the value for money. When selecting an HMO provider for your business, here are three key factors to consider:
Price
Assessing the costs from different HMO providers in the Philippines is the first step. Compare the premiums, deductibles, co-payments, and other fees associated with the plans. Ensure that the price aligns with your budget while still offering comprehensive coverage and benefits.
Coverage
Evaluate the coverage provided by each HMO provider. Look for plans that cover a wide range of medical services, including hospitalization, outpatient consultations, preventive care, laboratory tests, and prescription medications. It is essential to consider the specific healthcare needs of your employees and select an HMO provider that can provide what your business needs for your employees.
Affiliation of Hospitals, Doctors, and Specialists
Another essential factor to consider is the affiliation of hospitals, doctors, and specialists of the HMO provider. Do a background check of the HMO if it has a robust network that includes reputable and reliable healthcare facilities and a broad selection of medical professionals. This ensures that your employees will have access to quality healthcare services without unnecessary inconvenience or additional out-of-pocket emergency expenses.
Standard Coverage of HMO Benefits in the Philippines
- In-patient (admissions, laboratory, medicine, etc.)
- Out-patient (check up consultations, laboratory tests, etc.)
- Emergency Room Care (medicine, professional fees, treatments, etc.)
- Preventive Care Exams (annual physical exams, diagnostics, vaccines, etc.)
- Dental Care (optional or depending on the healthcare plan)
Top 5 HMO Providers in the Philippines for your Business
- Maxicare
Maxicare Philippines is one of the leading HMO providers in the Philippines. Established in 1987, Maxicare has been providing comprehensive healthcare services and coverage to individuals, families, and corporate clients across the country.
Maxicare continues to be one of the most trusted HMO providers in the country. Their corporate plans are designed for businesses of all sizes and include inpatient and outpatient coverage, emergency care, preventive services, and annual physical exams. Maxicare also boasts an extensive network of partner hospitals and clinics nationwide.
Maxicare HMO Benefits
- Up to 200,000 maximum benefit limit
- Monthly premium starts: ask for a quote at Maxicare’s website or directly call them at their product inquiry hotline (+632 7798 7770)
- Out-patient (check up consultations, laboratory tests, etc.)
- Emergency Room Care (medicine, professional fees, treatments, etc.)
- Preventive Care Exams (annual physical exams, diagnostics, vaccines, etc.)
- Philhealth Care (PhilCare)
PhilCare is one notable HMO provider in the Philippines. With a history spanning over three decades, PhilCare has established itself as a trusted provider of comprehensive healthcare services and insurance coverage to individuals, families, and corporate clients.
PhilCare offers a range of healthcare plans designed to meet the diverse needs and preferences of its members. Philare plans include coverage for dengue, unli-consult, ER vantage, and single use medicards. PhilCare also provides comprehensive plans for individuals, families, and corporations. PhilCare has a nationwide reach of affiliations from hospitals, clinics, and healthcare providers nationwide, ensuring convenient access to quality healthcare services.
- Up to 300,000 maximum benefit limit
- Monthly premium starts: Monthly premium starts: ask for a quote at Maxicare’s website or directly call them at their customer care hotline (+63 (2) 8462 1800)
- In-patient (admissions, laboratory, medicine, etc.)
- Out-patient (check up consultations, laboratory tests, etc.)
- Emergency Room Care (medicine, professional fees, treatments, etc.)
- Preventive Care Exams (annual physical exams, diagnostics, vaccines, etc.)
- Medicard
Established in 1987, Medicard offers flexible HMO plans for SMEs and large enterprises alike. Their corporate packages cover hospitalization, outpatient consultations, diagnostics, emergency services, and wellness programs. They are known for responsive customer service and a strong network of healthcare partners.
Medicard offers a variety of healthcare plans to suit the varying needs and budgets of its members. Medicard plans include regular and comprehensive HMO plans for individuals, families, and corporations. Medicard maintains an extensive affiliation of accredited hospitals, clinics, and healthcare providers in the Philippines, making healthcare accessible wherever you go.
Medicard Regular HMO Plans
- Hospitalization care
- Outpatient care
- Preventive healthcare
- Emergency care
- Member’s financial assistance
- Dental care
To get rates and corporate plans from Medicard, please fill-up this Inquiry form.
- Intellicare
Intellicare remains a top choice for businesses looking for comprehensive, customizable healthcare plans. Their corporate offerings include preventive care, in-patient and out-patient services, and health and wellness programs. They also provide digital health services for easier access and management.
Intellicare offers a wide range of healthcare plans and services such as SME Fit and Corporate for businesses. Intellicare’s plans typically include coverage for hospitalization, consultations with doctors and specialists, preventive care, laboratory and diagnostic tests, medications, and other essential medical services. Just like any HMO providers in this list, Intellicare is affiliated with over 43,000 doctors and specialists to provide convenient healthcare experience around the country.
To know more about Intellicare’s healthcare services, get in touch with Intellicare’s customer service hotlines (02) 8789-4000 | (02) 7902-3400
- ValuCare
ValuCare provides cost-efficient HMO plans that don’t compromise on quality. Their corporate health programs include inpatient and outpatient benefits, annual physical exams, dental services, and 24/7 customer assistance. ValuCare has strong hospital partnerships, especially in Metro Manila and key provincial cities.
With ValuCare’s slogan “Healthcare You Can Count On”, it boasts one of the highest renewal rates in the healthcare industry in the Philippines. ValuCare is affiliated with 1,700+ accredited hospitals and clinics, 1,000+ dentists, and over 17,000+ physicians all over the country, providing convenient, affordable, and accessible healthcare services in the country.
For ValuCare’s health care plan for individuals and families, check out I-Apply on their website. For corporate and business HMO services, check out their Request for Quotation webpage.
- ALLCARE
ALLCARE is not an HMO provider itself, but a comprehensive work benefits platform designed specifically for startups, SMEs, and freelancers. It gives members access to a wide range of essential benefits—including HMO coverage, life and accident insurance, mental health support, dental and optical care, annual physical exams, and more—through a single, affordable membership.
ALLCARE partners with Etiqa as its HMO provider, offering access to over 1,600 accredited hospitals and clinics and 30,000+ doctors and specialists nationwide. For business owners on a budget or freelancers looking for quality healthcare and holistic benefits without the complexity of traditional corporate plans, ALLCARE is a practical and accessible solution.
ALLCARE Package Plans
ALLCARE SME Benefits Package – P15,000 per member per year, minimum of 3 employees
ALLCARE Prepaid Bundles – P 5,999/year (Lite), P 8,999/year (Optima), and P 13,999/year (Complete)
- Healthcare Benefits up to P100,000 coverage
- Life and death Insurance
- Dental and oral care
- Vision and optical care
- Free Teleconsultations
- Mental health wellness consultations
Conclusion
Subscribing to an HMO provider is of significant importance for businesses in the Philippines. The rising costs of healthcare services, coupled with inflation, make it crucial for employers to provide their employees with comprehensive coverage that helps manage and control expenses. By offering HMO benefits, businesses can provide access to a network of healthcare providers, ensuring employees receive necessary medical services without the worries of high out-of-pocket and emergency costs. This not only promotes employee well-being but also helps attract and retain top talent, enhancing productivity and employee satisfaction.
