Executive Check-Up Cost Philippines 2026: St. Luke's vs Makati Med vs Medical City

Quick Answer: Executive check-up (ECU) packages in Metro Manila in 2026 range from ₱4,200 (about US$67) (Makati Med Basic 5) to ₱120,000+ (about US$1,912+) (St. Luke's Wellness Elite inpatient). The most transparent and competitive mid-market reference price is Makati Med's HealthHub Executive at ₱20,900 (about US$333) (effective March 1, 2026), which includes Basic 5 + 18-component blood chemistry + ECG + treadmill stress test + 4-organ ultrasound. St. Luke's wellness packages run ₱25,000–₱120,000 (about US$398–US$1,912) depending on tier, with hotel-style overnight options. The Medical City, Asian Hospital, and Cardinal Santos generally do not publish prices online — direct inquiry required. PhilHealth does not cover executive check-ups (these are preventive/wellness, not case-rate benefits), and most basic HMO plans don't cover ECU as a routine benefit either, though some employer-sponsored riders do.

Table of Contents

• What Is an Executive Check-Up?
• APE vs Executive Check-Up: Key Differences
• 2026 Price Bands for Metro Manila
• Makati Medical Center HealthHub (Most Transparent Pricing)
• St. Luke's Medical Center Wellness Center
• The Medical City Wellness & Aesthetics Institute
• Asian Hospital Center for Executive Health
• Cardinal Santos Lifestyle & Wellness Center
• Cebu Doctors' University Hospital ECU
• Cross-Hospital Comparison Table
• What to Look for in a Package
• PhilHealth, HMO, and Senior Discount Coverage
• The balikbayan check-up: booking one from abroad
• Frequently Asked Questions

What Is an Executive Check-Up?

An Executive Check-Up (ECU) is a comprehensive, hospital-administered wellness screening designed to detect early-stage chronic disease, cardiovascular risk, and cancer in working-age adults. Unlike a standard Annual Physical Exam (APE), an ECU bundles multiple lab and imaging tests, doctor consultations, and results interpretation into a single half-day or overnight session.

ECUs target three groups:

• Working professionals aged 35+ whose employer doesn't fully cover preventive screening
• Pre-employment / immigration clearance candidates needing detailed clearance
• Pre-procedural patients (e.g., before bariatric surgery, IVF, or international travel)

The "executive" branding signals two things: a more comprehensive battery of tests than a basic APE, and a more concierge-like environment (often a private suite, breakfast included, dedicated wellness center separate from the main hospital wards).

APE vs Executive Check-Up: Key Differences

For a basic preventive screening, see our annual physical exam cost in the Philippines guide.

2026 Price Bands for Metro Manila

Based on 2026 published rates and clinic pricing observed in early 2026:

Converted at US$1 = ₱62.75 (24 September 2026).

Makati Medical Center HealthHub (Most Transparent Pricing)

MakatiMed publishes its 2026 ECU rates publicly — making it the cleanest reference for what an executive package actually costs in Metro Manila. The official rate card is effective March 1, 2026.

Outpatient (OUP) packages:

Inpatient (IP) packages — overnight in a Premier room:

Booking: makatimed.net.ph online portal · OnCall +632 8888 8999 (24/7) · Concierge locals 2189/2832 · email mmchealthhub@makatimed.net.ph

Senior/PWD note: The Geriatric package prices are already net of the 20% senior discount; non-senior pricing is higher. Standard senior/PWD 20% statutory discount applies to individual services within other packages but is typically not stacked on bundled packages.

HMO direct billing: Maxicare, Intellicare, MediCard, PhilCare, Avega, ValuCare, Insular Health Care, Etiqa.

St. Luke's Medical Center Wellness Center

St. Luke's offers wellness packages at both BGC and QC campuses. Tier-by-tier prices are not published online, but observed 2026 ranges:

The Wellness Elite is St. Luke's flagship overnight package — it's positioned more like a wellness-resort experience than a typical hospital ECU, with concierge service, hotel-style room, and inclusive meals.

Booking: eHealth Hub reservation portal · BGC +63-2-8789-7700 ext. 7739/7744/7745 · QC +63-2-8723-0101.

Senior/PWD discount: 20% statutory discount applies to individual services; typically not applied to bundled wellness packages — this matches industry norm. Confirm at booking.

HMO direct billing: Most major HMOs accepted (Maxicare, Intellicare, MediCard, PhilCare, Etiqa, Insular). LOA approval required. Maxicare EReady Titanium is not valid at St. Luke's BGC/QC; EReady Platinum accepted only for emergencies.

The Medical City Wellness & Aesthetics Institute

The Medical City offers ECU packages at its Wellness & Aesthetics Institute (6F Podium Building, Ortigas). Official tier-by-tier prices are not publicly accessible online — direct inquiry is required.

Available tiers based on age and gender:

Special offers: TMC has run a "Discover Your Wellness" travel-bundle starting from approximately US$418 (~₱24,000) that includes a hotel partner stay (Marco Polo, Westin, Discovery, Richmonde, Astoria), pickup/dropoff, meals, body composition, dental + derma consult. Year-end promos (10% off Adult ECUs Dec 22–31) are common.

Booking: 8988-1000 / 8988-7000 loc. 2138/2133/2134 or 6576/6386/6579 · email tmc_wcl@themedicalcity.com.

Senior/PWD discount: 20% statutory on individual services (typically not bundled packages).

HMO direct billing: Yes — most major HMOs accepted (Maxicare, Intellicare, MediCard, etc.).

Asian Hospital Center for Executive Health

Asian Hospital Medical Center offers full ECU packages, but package-level prices are not publicly accessible (direct inquiry required: infohub@asianhospital.com or (02) 8771-9000 loc. 5913).

What is publicly listed are Wellness Cards — annual subscription-style cards rather than full ECUs:

One-stop-shop setup, results delivered same day. Located at 4F Main Hospital Building. Hours: 7am–5pm Mon–Fri, 7am–4pm Sat.

Booking: packages.asianhospital.com for cards; phone for full ECUs.

HMO direct billing: Yes (Maxicare, Intellicare, MediCard, PhilCare, others).

Cardinal Santos Lifestyle & Wellness Center

Cardinal Santos publishes its Essential Wellness package starting at ₱23,000, with several higher tiers (Cardio Wellness, Diabetes Wellness, Men's Comprehensive, Men's Diamond, Women's Comprehensive, Women's Diamond) available — prices for higher tiers are not published online.

Important: Cardinal Santos explicitly excludes Senior/PWD/Solo Parent discounts on wellness packages (these discounts apply only to individual services billed separately). This is a notable exception versus other Metro Manila hospitals.

Booking: Lifestyle & Wellness Center 8727-0001 ext. 3818/3835 · +63 945-745-3345 · email ecu@csmc.ph.

HMO direct billing: Self-pay, corporate, and HMO accepted; HMO subject to provider approval.

Cebu Doctors' University Hospital ECU

For Visayas readers — Cebu Doctors' University Hospital offers an ECU Plan with 7 tiers based on extent of work-up:

HMO direct billing: Major HMOs accepted.

Cross-Hospital Comparison Table

The cleanest single comparison across hospitals (with Makati Med as the best-priced anchor since their 2026 numbers are public):

⭐ The MakatiMed HealthHub Executive at ₱20,900 is the most transparent and competitive mid-market reference price for "what an executive checkup actually costs" in 2026 Metro Manila.

What to Look for in a Package

Before booking, verify the package includes these high-value tests (and that you're not paying premium prices for a thin set of inclusions):

Red flags to avoid: Packages that don't include a doctor's consultation for results, packages that charge separate professional fees for individual specialists, and "wellness cards" that look like ECUs but are actually annual subscription cards (Asian Hospital's Wellness Cards are NOT full ECUs — confirm what you're buying).

PhilHealth, HMO, and Senior Discount Coverage

PhilHealth does NOT cover executive check-ups in 2026. ECUs are preventive/wellness services that fall outside PhilHealth's case-rate benefit list. Only diagnosis-driven follow-up procedures triggered by ECU findings — for example, a colonoscopy after positive FOBT, or a confirmed cancer protocol — may qualify for PhilHealth case rates. See our PhilHealth contribution table 2026 for what PhilHealth does cover.

HMO coverage varies sharply:

• Most basic and intermediate HMO plans do not cover ECU as a routine wellness benefit — it falls under "preventive screenings not covered" exclusions.
• Premium employer-sponsored HMO riders sometimes include an annual ECU benefit — ask your HR or HMO directly.
• MediCard VIP and similar top-tier plans may include an executive checkup once per year.
• All major HMOs typically allow direct billing at participating hospital wellness centers if the ECU is approved as a covered benefit under your specific plan.

Senior citizen / PWD discount (RA 9994 / RA 11228): The standard 20% statutory discount applies to individual services within an ECU (e.g., individual lab tests, professional fees) but is typically not applied to bundled package rates. Cardinal Santos explicitly excludes the senior/PWD/Solo Parent discounts on its wellness packages. Always confirm at booking whether the discount applies to the package price or only to a la carte services.

The balikbayan check-up: booking one from abroad

A large share of ECU bookings at Metro Manila hospitals are Filipinos visiting from the US, Canada, the Gulf, Australia, or the UK who get the full work-up done during their annual trip home — for themselves, and often for a parent — because it costs a fraction of an equivalent private screen abroad.

How the price actually compares. A clean side-by-side is harder than it looks, because most of the countries above either fold routine screening into insurance-covered primary care or don't sell a discrete "executive package" with a public price tag the way Philippine hospitals do.

Converted at US$1 = ₱62.75 (24 September 2026).

That gap is a real part of why this trip pencils out even after airfare: for most readers abroad, there is no dollar-for-dollar package to compare against at home, and where a private equivalent does exist, providers quote it individually rather than publishing it.

Booking logistics. Reserve 2–4 weeks ahead if you want a specific date during peak balikbayan season (December, Holy Week, summer). Hospitals generally won't hold a slot on a phone or email request alone — expect to pay a deposit or secure HMO pre-approval to actually lock it in. Outpatient packages run half a day (3–5 hours); inpatient ones are overnight. Either way, most require 8–12 hours of fasting beforehand, which is rough against a jet-lagged arrival — book your slot at least a day or two after landing, not the morning after you touch down. Quick tests (CBC, X-ray, ECG) come back the same day, but the full written report, especially anything with send-out labs, can take 3–5 working days to finalize.

Getting your results out with you. Ask specifically for the complete printed results and the DICOM files (CD or USB) of any ultrasound, X-ray, or echo — not just the one-page interpretation summary. Hospitals will generally hand over paper results same-day, but DICOM copies of imaging usually need to be requested in advance. A doctor abroad can put the full report and the actual images to use as a baseline; a one-page summary sheet on its own is of limited use to them.

The follow-up trap. Here's the honest risk of booking this two days before your flight: an abnormal finding leaves you choosing between staying longer, repeating the whole work-up once you're home, or flying out and ignoring it. Book your ECU early in the trip, not in the last few days, so there's time to act on whatever the results turn up.

Booking one for a parent. You can pay for a parent's ECU remotely — hospitals with online portals, like Makati Med's, accept card payment on packages booked from abroad, and a bank transfer or remittance to a relative who books in person also works. Someone should still accompany an elderly parent to the fasting bloodwork and consultation, and the hospital will normally ask the parent to sign a written authorization if the results are to be released or explained to you overseas rather than only to them.

Coverage. An executive check-up is self-pay across every option in this comparison. PhilHealth doesn't cover it (see above), and a foreign or travel health insurance policy won't be accepted for direct billing at a Philippine hospital — you pay out of pocket on-site and file for reimbursement with your home insurer afterward, if your policy allows it.

One caution. A bundled executive panel is not the same thing as evidence-based screening — which tests are actually worth doing depends on your age, sex, and family history, not on which tier you buy. Talk to a doctor about which components in a package apply to you before choosing one; this section is not medical advice.

Frequently Asked Questions

How much does an executive check-up cost in the Philippines in 2026?

Executive check-up packages in Metro Manila range from ₱4,200 (Makati Med Basic 5) to ₱120,000+ (St. Luke's Wellness Elite). The most cost-effective mid-market option is Makati Med's HealthHub Executive at ₱20,900, which includes Basic 5 + 18-component blood chemistry + ECG + treadmill stress test + 4-organ ultrasound. For provincial readers, Cebu Doctors offers a basic ECU starting at ₱7,490.

What's the difference between an APE and an executive check-up?

An Annual Physical Exam (APE) typically costs ₱530–₱3,500 and includes only basic tests (CBC, urinalysis, fecalysis, chest X-ray, simple PE). An Executive Check-Up (ECU) costs ₱15,000–₱85,000+ and adds comprehensive blood chemistry, ECG, treadmill stress test, ultrasound, gender-specific screening (Pap/mammogram or PSA/proctosigmoidoscopy), and an executive consultation. ECUs are designed to detect early-stage chronic disease and cardiovascular risk.

Does PhilHealth cover executive check-ups?

No. PhilHealth does not reimburse executive check-up packages in 2026 — these are classified as preventive/wellness services outside the case-rate benefit list. PhilHealth covers diagnosis-driven follow-up procedures (e.g., a confirmed cancer protocol or hospitalization for a condition first detected during the ECU).

Does my HMO cover an executive check-up?

Usually no, unless your specific plan has an annual ECU benefit. Most basic HMO plans exclude executive check-ups as preventive wellness. Premium employer-sponsored riders and VIP-tier HMO plans (e.g., MediCard VIP) sometimes include one ECU per year. Call your HMO concierge to confirm before booking — many hospitals require an HMO Letter of Authorization (LOA) for direct billing on an ECU package.

Can I use my senior citizen discount on an ECU package?

Usually no — the 20% senior discount typically applies to individual services but not to bundled packages. Some hospitals (Makati Med Geriatric packages) apply the discount on the bundled package price; others (Cardinal Santos) explicitly exclude package-level discounts. Confirm at booking. The 20% discount on individual labs and professional fees does still apply if you have services billed outside the package.

Which hospital has the most transparent ECU pricing?

Makati Medical Center HealthHub publishes a complete 2026 rate card (effective March 1, 2026) — it's the only major Metro Manila hospital with full tier-by-tier transparency. Most other hospitals (St. Luke's, The Medical City, Asian Hospital, Cardinal Santos) require direct phone or email inquiry for current package prices.

How long does an executive check-up take?

Outpatient (OUP) packages typically run half-day (3–5 hours), starting at 6:00–7:30 AM with fasting blood work, then proceeding through ECG, ultrasound, X-ray, treadmill stress test, and ending with consultation. Inpatient (IP) packages are overnight — you check in the afternoon before the test day for fasting, complete the workup the next morning, and check out by lunch.

Should I fast before an executive check-up?

Yes — most packages require 8–12 hours of fasting before the blood work and ultrasound. Water is allowed. Bring fresh clothes, comfortable shoes (for the treadmill stress test), and any current medications + medical history. Most hospitals provide breakfast after the fasting tests are complete.

Can I claim my ECU as a tax deduction?

In the Philippines, individual taxpayers cannot deduct medical expenses from personal income tax. Self-employed professionals and corporations can sometimes deduct ECU costs as legitimate business health expenses under BIR regulations. Consult your accountant for your specific situation.

Which hospital has the best executive check-up?

There's no single best — it depends on your priorities:

• Best transparent pricing: Makati Medical Center HealthHub
• Most comprehensive premium tier: St. Luke's Wellness Elite
• Hotel-style overnight experience: St. Luke's Wellness Elite or Makati Med Inpatient packages
• Best for HMO direct billing: All major hospitals; verify your HMO tier
• Best for senior citizens: Makati Med (geriatric package with discount applied)
• Best provincial option: Cebu Doctors' University Hospital (₱7,490 starting tier)

Can I book a Philippine executive check-up during a short balikbayan trip?

Yes — this is one of the most common ways overseas Filipinos use ECU packages. Book 2–4 weeks ahead for your preferred date, especially during December or Holy Week, and schedule the check-up early in your trip rather than in the last few days, so there's time to follow up on anything the results find before you fly back out.

Will the hospital give me my full results and imaging files, not just a summary?

Ask specifically for the complete printed results and the DICOM files (CD or USB) of any ultrasound, X-ray, or echocardiogram — hospitals will hand these over on request, but the default is often just a one-page interpretation summary. A doctor abroad needs the full report and the actual images, not the summary sheet, to make real use of the results.

Can I pay for my parent's executive check-up in the Philippines from overseas?

Yes. Hospitals with online portals, such as Makati Medical Center's, accept card payment on packages booked remotely, and a bank transfer or remittance to a relative who books in person also works. Your parent will usually need to sign a written authorization at the hospital if you want the results released or explained to you rather than only to them.

Does my US, Canadian, or travel health insurance cover a Philippine executive check-up?

No. Executive check-ups are self-pay at every hospital in this guide, and foreign or travel insurance is not accepted for direct billing on-site. You pay out of pocket at the hospital and can only file for reimbursement afterward if your home policy covers preventive screening abroad — check with your insurer before you book.

Conclusion

For most Metro Manila working professionals doing a routine wellness ECU, Makati Medical Center's HealthHub Executive Package at ₱20,900 is the clearest value — it includes the full standard ECU battery, has fully transparent 2026 pricing, and accepts most HMOs.

For premium experiences with overnight stays and concierge service, St. Luke's Wellness Elite sets the upper bar at ₱80,000–₱120,000+. For specific gender-focused or condition-focused screenings (women's health, cardiovascular, geriatric), the dedicated tier packages at MakatiMed deliver the broadest test coverage at fixed prices.

Three things to ask before booking any ECU:

1. What's included — get the full test list and confirm the executive consultation is bundled in the price (not a separate professional fee).
2. Does my HMO cover this — call the HMO concierge for pre-approval if you have premium coverage.
3. Is the 20% senior/PWD discount applied — confirm at booking; some hospitals exclude package-level discounts.

For more wellness and screening cost guides:

• Annual Physical Exam Cost in the Philippines
• Hi-Precision Diagnostics Price List 2026
• Pap Smear Cost in the Philippines
• Blood Test Cost in the Philippines
• Best Hospitals in Metro Manila 2026

Looking for a wellness center near you? Browse hospitals and clinics on ClinicFinderPH by area, specialty, and HMO acceptance.