Home/Philippines

🇵🇭

Best Health Insurance in Philippines

6 insurers ranked and reviewed · Updated May 2026

Sources:Insurance Commission of the PhilippinesProductNation.coMariaHealth.ph

Healthcare System Overview

The Philippines has a dual-layer health insurance system. PhilHealth (Philippine Health Insurance Corporation) is the mandatory national health insurance program covering ~93% of the population with basic hospitalization benefits. Private health coverage is primarily delivered through Health Maintenance Organizations (HMOs), which provide pre-paid health plans with cashless access to accredited hospitals and clinics. HMOs are distinct from traditional insurance companies and are regulated by the Insurance Commission.

Maxicare Healthcare Corporation

private1.8M members

95Score

IC: #1 HMO by Revenue(2025)

★★★★☆4.2satisfaction

Revenue

~PHP 26 billion

Members

~1.8 million

Plan Range

PHP 11,000 to PHP 45,000+/year

Largest HMO in the Philippines by revenue
Widest provider network in the country
ConsultMD teleconsultation platform
Plans from ~PHP 11,000 to PHP 45,000+/year

View DetailsGet Quote→

Intellicare (Asalus Corporation)

Intellicare / Asalus Corporation

private1.2M members

90Score

IC: #1 HMO by Net Income(2025)

★★★★☆4.0satisfaction

Net Income

PHP 503 million (Q2 2025)

Doctor Network

69,000+ doctors and specialists

Members

1.2 million+

#1 HMO by net income in the Philippines
Access to 69,000+ doctors and specialists
Holistic approach to healthcare management
Strong corporate client base

View DetailsVisit Website→

MediCard Philippines, Inc.

private800K members

82Score

Most Affordable HMO Plans(2025)

★★★☆☆3.8satisfaction

Cheapest Plan

PHP 1,545/year (Health Plus)

Age Limit

No age limit on basic plans

Medical Exam

Not required on basic plans

Most affordable HMO — Health Plus plan at PHP 1,545/year
Unlimited consultations with no age limit
No medical exam required on basic plans
Both individual and corporate coverage

View DetailsGet Quote→

PhilCare

private700K members

80Score

Longest Operating HMO(2025)

★★★☆☆3.7satisfaction

Operating History

Since 1982 (44 years)

Digital Tools

PhilCare Snap card, PhilCare360

Wellness Program

PhilCare360

Longest-operating major HMO in the Philippines (since 1982)
Innovative PhilCare Snap membership card
PhilCare360 wellness program
Combines technology, accessibility, and affordability

View DetailsGet Quote→

iCare HMO

private1.1M members

78Score

IC: 4th-Ranked HMO(2025)

★★★☆☆3.7satisfaction

Ranking

4th-ranked HMO (IC, December 2025)

Growth

168K to 1.1M lives (2021-2025)

Independence

Independent since January 2026

4th-ranked HMO in the Philippines
Rapid growth from 168K to 1.1M lives covered (2021-2025)
Now independent with focused healthcare mission
35+ years of operations

View DetailsGet Quote→

Pacific Cross Philippines

private200K members

76Score

Oldest Health Insurance Company(2025)

★★★☆☆3.8satisfaction

Operating History

Since 1949 (77 years)

Model

Indemnity-based (not HMO)

Coverage

Medical + travel insurance

Oldest health/travel insurance company in the Philippines (since 1949)
Indemnity-based coverage — freedom to choose any hospital
International coverage options
Strong travel insurance integration

View DetailsGet Quote→

About Health Insurance in Philippines

Our editorial team has evaluated and ranked the top 6 health insurers in Philippines based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

Affiliate Disclosure

Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.