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iCare HMO

78Score

★★★☆☆3.7

Customer satisfaction · 1.1M members

IC: 4th-Ranked HMO(2025)

iCare HMO (formerly Insular Health Care) is the 4th-ranked HMO in the Philippines, experiencing rapid growth from 168,000 lives in 2021 to 1.1 million in 2025. It became an independent healthcare organization in January 2026 after being sold by InLife.

Overall Score

78/100

Founded

1991

Headquarters

Makati City

Type

private

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Key Metrics

Ranking

4th-ranked HMO (IC, December 2025)

Growth

168K to 1.1M lives (2021-2025)

Independence

Independent since January 2026

Operating History

35+ years

Editorial Ratings

IC: 4th-Ranked HMO(2025)

Rating: 4th-ranked HMO (December 2025) (max: N/A)

78Insurance

Coverage Highlights

✓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
✓Affordable HMO plans for individuals and corporations

Pros

✓Fastest-growing HMO in recent years
✓Affordable plans
✓Now independent with focused healthcare mission
✓Strong digital platform

Cons

✗Transitioning ownership may cause short-term uncertainty
✗Historically smaller network than top 3
✗Brand awareness still building vs. Maxicare/MediCard

Frequently Asked Questions

Why did iCare HMO become independent?

iCare HMO (formerly Insular Health Care) was sold by InLife (Insular Life) in January 2026 and now operates as an independent healthcare organization, allowing it to focus solely on its healthcare mission.

How fast has iCare HMO grown?

iCare HMO experienced remarkable growth from 168,000 covered lives in 2021 to 1.1 million in 2025, making it the fastest-growing HMO in the Philippines.

Is iCare HMO affordable?

Yes. iCare HMO offers affordable plans for both individuals and corporations, positioning itself as a value-oriented alternative to premium HMOs like Maxicare.

Quick Summary

InsureriCare HMO

Country🇵🇭 Philippines

Overall Score78/100

Satisfaction3.7/5

Members1.1M

Typeprivate

Founded1991

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