Best HMO in the Philippines 2026: Maxicare, Intellicare, Medicard Compared
With rising healthcare costs, having a reliable HMO in the Philippines is no longer a luxury — it's a necessity. In 2026, providers like Maxicare, Intellicare, and Medicard offer plans for individuals, families, and even OFWs. Here's how they stack up.
1. Maxicare (Best Overall)
- Plan: Executive Plan (₱15,000/year)
- Coverage: ₱350,000/year
- Hospitals: St. Luke's, Makati Med, Asian Hospital
- Perks: Dental, annual check-up, maternity
2. Intellicare (Best for Families)
- Plan: Family Plan (₱20,000/year for 4)
- Coverage: ₱500,000/year
- Hospitals: UMC, Capitol Medical, Cardinal Santos
- Perks: Free ambulance, teleconsult
3. Medicard (Best for OFWs)
- Plan: OFW Care (₱12,000/year)
- Coverage: ₱250,000/year
- Hospitals: Nationwide network
- Perks: Can be paid via remittance
4. PhilCare (Most Affordable)
- Plan: Value Plan (₱8,000/year)
- Coverage: ₱150,000/year
- Hospitals: Limited to partner clinics
How to Choose
- Individuals → Maxicare Executive
- Families → Intellicare Family
- OFWs → Medicard OFW Care
- Budget buyers → PhilCare Value
How to Apply
- Online via HMO website
- In-person at mall kiosks (SM, Ayala)
- Through employer (if group plan)
FAQs
Does HMO cover pre-existing conditions?
No — most exclude them for the first 12 months.
Conclusion
Your health is your greatest asset. Don't wait for an emergency to get coverage. Choose an HMO that fits your needs — and sleep peacefully knowing you're protected.
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