Best Health Insurance in Philippines

2 plans ranked and reviewed · Updated April 2026

Healthcare System Overview

Universal PhilHealth coverage supplemented by widely used private HMO plans from major insurers.

Maxicare PRIMA Gold

Maxicare Healthcare Corporation

comprehensive

Market LeaderNo DeductibleHMO Top Pick

★★★★☆4.4(12,600 reviews)

Monthly Premium

PHP 2,500 – PHP 8,000

Deductible

PHP 0

✓Access to 7,000+ accredited hospitals and clinics across the Philippines
✓Zero co-payment at Maxicare Primary Care Centers nationwide
✓Annual benefit limit up to PHP 1,500,000

“Maxicare PRIMA Gold consistently tops Philippine HMO rankings for its breadth of network, member satisfaction, and competitive benefit limits, making it the default choice for Filipino professionals seeking private health cover.”— BusinessWorld Philippines Insurance Awards, 2024

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Medicard Philippines Premier

Medicard Philippines

standard

AffordableDental IncludedFamily Coverage

★★★★☆4.2(9,350 reviews)

Monthly Premium

PHP 1,800 – PHP 6,000

Deductible

PHP 0

✓Dental coverage included in the standard plan without extra riders
✓Family enrollment with discounts for spouse and children
✓Coverage at 4,000+ accredited facilities nationwide

“Medicard Philippines Premier offers the Philippines' best value for families seeking bundled dental and medical HMO benefits, delivering solid coverage without the premium price tag of larger competitors.”— Philippine Daily Inquirer Consumer Finance, 2024

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About Health Insurance in Philippines

PhilHealth provides universal public coverage; private HMO and insurance plans are common among employed urban workers.

Our team of insurance experts has evaluated and ranked the top 2 health insurance providers in Philippines based on coverage quality, customer satisfaction, pricing, network size, and digital experience. Rankings are updated quarterly to reflect the latest market changes.

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