Flexicare HMO 2026: Unilab's Corporate Health Benefits Arm Explained

Quick Answer: Flexicare is the HMO brand of Health Delivery System, Inc. (HDSI), part of the Unilab Group through RelianceUnited. It started in 1999 as Unilab's in-house employee health benefits provider, opened up to outside corporate clients in 2016, and got its own Insurance Commission HMO license in 2022. Flexicare is corporate/group-only — there is no individual or family plan you can buy directly. Like most group HMOs, it doesn't publish prices; you get coverage through your employer, and cost depends on the plan your company negotiated.

If you're seeing "Flexicare" on your payslip or a new-hire benefits packet, this guide covers what the brand is, who's behind it, what it typically covers, and what its network actually looks like — since the company's own numbers aren't fully consistent across its site.

Table of Contents

• What is Flexicare?
• Is Flexicare legit?
• What plans does Flexicare offer?
• How much does Flexicare cost?
• What does Flexicare cover?
• What's the hospital network like?
• Individual or corporate — who can actually get it?
• How do you apply?
• Flexicare vs the big HMOs
• Frequently Asked Questions
• Conclusion

What is Flexicare?

Flexicare is the trade name of Health Delivery System, Inc. (HDSI), a health benefits administrator under the Unilab Group — specifically a subsidiary tied to RelianceUnited, Unilab's benefits and insurance arm. That pedigree matters: Flexicare didn't start as an independent HMO chasing corporate accounts. It began in 1999 as Unilab's own in-house employee health benefits provider, managing coverage for Unilab's workforce before it ever sold to outside companies.

Flexicare opened its services to external corporate clients starting in 2016, and in 2022 it secured its own HMO license from the Insurance Commission, formalizing it as a licensed health maintenance organization rather than just an internal benefits desk. So while the brand is relatively young as a public-facing HMO, the operation behind it has been running employee health programs for over two decades.

Is Flexicare legit?

Yes. HDSI/Flexicare appears on the Insurance Commission's roster of licensed HMOs (as of the November 30, 2025 IC list of 28 HMOs). Note that the exact license number shown across different sources had inconsistencies at the time of research, so if you need the precise license number, confirm directly with the Insurance Commission or Flexicare's sales team rather than relying on a single web source.

There's no publicly reported history of cease-and-desist orders or conservatorship for HDSI/Flexicare as of this writing.

What plans does Flexicare offer?

Flexicare doesn't sell a single named "plan" the way individual-market HMOs do. Instead, it structures its offering around a handful of corporate products:

None of these are retail products — they're built and priced around a company's HR and benefits team, not sold off the shelf to an individual employee.

How much does Flexicare cost?

Flexicare does not publish prices. There's no rate card, no per-employee premium table, and no individual quote calculator on its site. Cost is negotiated between Flexicare and the employer based on group size, benefit design (inpatient limits, outpatient inclusions, dental/optical add-ons), and the employee census. If you're an HR practitioner shopping HMOs, expect a quote-based sales process through sales@flexicare.com.ph rather than a published price list.

If you're an employee, whatever premium your company pays isn't something Flexicare discloses publicly — check your own benefits summary or ask HR.

What does Flexicare cover?

Coverage is set per employer contract, so there's no single public benefit schedule. Based on what Flexicare publishes about its corporate plans generally, coverage categories typically include:

• Inpatient hospitalization
• Outpatient consultations and diagnostics
• Emergency room (ER) care
• Dental benefits
• Optical benefits

Flexicare does not publish a maximum benefit limit (MBL) or pre-existing condition policy publicly — those terms are set in each company's contract. If your employer offers Flexicare, your HR-issued benefits guidebook is the actual source of truth for your limits and exclusions, not anything on Flexicare's public site.

What's the hospital network like?

This is one area where Flexicare's own numbers don't quite line up, so it's worth reading with that caveat.

Flexicare's homepage cites:

• 296 hospitals
• 425 clinics
• 631 dental providers
• 22 dialysis centers
• 15,000+ doctors

Its "About" page, meanwhile, cites a different set of figures:

• 500+ facilities
• ~15,000 physicians
• ~40,000 members

The physician count (roughly 15,000) is consistent between the two, but the facility counts diverge — 296 hospitals plus 425 clinics (721 total, before dental/dialysis) versus a rounder "500+ facilities" on the About page. Both figures come from Flexicare itself, so treat them as the company's own self-reported ranges rather than an independently verified number, and confirm your specific hospital's accreditation directly with Flexicare or the hospital before assuming coverage.

Browse HMO-accredited clinics or search ClinicFinderPH to check whether a specific hospital or clinic near you is accredited.

Individual or corporate — who can actually get it?

Corporate only. Flexicare has no individual or family retail plan anywhere in its product lineup — no direct-to-consumer page, no personal plan tiers, nothing an individual can sign up for on their own. If you're job-hunting and a company offers Flexicare as a benefit, that's the only way to get covered under this brand.

If you're looking for an HMO you can buy as an individual or freelancer, Flexicare isn't an option — see our guide to best HMOs for individuals and freelancers instead.

How do you apply?

Employers interested in Flexicare go through a quote request process: contact sales@flexicare.com.ph or use the quote form on flexicare.com.ph. Flexicare then proposes a benefit design and pricing based on company size and desired coverage. There's no individual application path since Flexicare doesn't sell direct-to-consumer.

Flexicare vs the big HMOs

Flexicare's positioning is closer to Intellicare than to Maxicare or MediCard — it's a group-benefits specialist, not a retail HMO brand. Its differentiator is the Unilab Group pedigree: two-plus decades running Unilab's own employee health program before formalizing into a licensed HMO in 2022. That's a long operational track record, but it's still a newer licensed HMO entity compared to brands like Maxicare or MediCard that have carried IC licenses for decades.

Flexicare has publicized that, per Insurance Commission data for Q4 2024, it ranked 6th in invested assets and 9th in total assets among Philippine HMOs — the company's own announcement frames this as "joining the Top 10 HMOs." That's a real regulatory data point, but the "Top 10" framing is Flexicare's own marketing language around it, not an independent ranking body's label.

For a full side-by-side, see our best HMOs in the Philippines roundup and how to choose an HMO guide. Remember too that any HMO, including Flexicare, works on top of your PhilHealth coverage, not instead of it.

Frequently Asked Questions

Is Flexicare the same as Unilab?

Not exactly — Flexicare is the brand of Health Delivery System, Inc. (HDSI), a subsidiary within the Unilab Group through RelianceUnited. It started as Unilab's in-house employee health benefits provider before becoming a licensed HMO in its own right in 2022.

Can I buy a Flexicare plan as an individual?

No. Flexicare sells exclusively to companies through its Health Benefits Administration, Corporate Clinic Management, FlexBen, and Wellness products. There's no individual or family plan.

How much does Flexicare HMO cost?

Flexicare doesn't publish prices. Cost is quoted per company based on group size and benefit design — ask your employer's HR team for your specific plan cost, or have your company request a quote at sales@flexicare.com.ph.

Is Flexicare a licensed HMO?

Yes. HDSI/Flexicare is on the Insurance Commission's roster of licensed HMOs as of the November 30, 2025 list. It received its own IC HMO license in 2022, after operating as Unilab's internal benefits provider since 1999.

How big is Flexicare's hospital network?

The company reports figures that vary slightly by page — roughly 296–500+ hospitals/clinics and about 15,000 doctors, per Flexicare's own site. Confirm a specific provider's accreditation directly before assuming coverage.

Does Flexicare cover dental and optical?

Employer plans through Flexicare can include dental and optical benefits, but the specific inclusions and limits depend on what your company's contract specifies.

Who owns Flexicare?

Flexicare is operated by Health Delivery System, Inc. (HDSI), part of the Unilab Group via RelianceUnited — the same corporate family behind Unilab, the Philippines' largest pharmaceutical company.

Conclusion

Flexicare is a corporate-only HMO with an unusual origin story: it spent 17 years as Unilab's internal employee benefits operation before becoming a public-facing, IC-licensed HMO in 2022. If your employer offers it, you're getting coverage from a group backed by one of the country's largest healthcare conglomerates — but you won't find published prices, a retail plan, or a fully consistent set of network numbers on its site, so lean on your company's benefits guidebook for the specifics that matter.

If you're comparing options for your company or looking for an HMO you can buy directly as an individual, see the full list of IC-licensed HMOs in the Philippines, our best HMO roundup, and best HMOs for individuals and freelancers. You can also find accredited clinics near you on ClinicFinderPH.