Individual HMO Plans in the Philippines 2026: Real Prices Compared

Quick Answer: You don't need an employer to get an HMO card in the Philippines. MediCard publishes the most complete individual pricing: Health Plus at ₱1,545/year, RxER at ₱2,378/year, My MediCard at ₱3,600/year, and H.E.R.O. at ₱6,000/year with up to ₱60,000 in annual benefits. Its standard hospital-based plan runs ₱10,739–₱21,908 depending on hospital access and benefit limit, and its VIP tier (with access to Asian Hospital, Makati Med, St. Luke's-QC and Global, and The Medical City) runs ₱25,379–₱66,943 for a principal alone. PhilCare publishes two senior-focused VidaCare plans, ₱11,120 and ₱13,270 per year. Several other insurers sell individual plans but only quote prices privately.

About this guide: We checked the public pricing pages of MediCard (medicardphils.com), PhilCare (shop.philcare.com.ph), iCare/Insular Health Care, and Pacific Cross in August 2026. Every figure below comes directly from those pages. Where a provider doesn't publish a price — PhilCare's comprehensive Health360/HealthPro plans, iCare, Pacific Cross — we say so instead of guessing. MediCard's VIP page in particular carries a "Last update: May 15, 2022" notice, which we flag wherever those figures appear, since they may no longer reflect current rates. Last checked: August 2026.

Table of Contents

• MediCard Individual Plans
• MediCard Standard and VIP Hospital Plans
• MediCard Select (Fund-Based) and Kabayan
• PhilCare VidaCare Plans
• Other Insurers That Sell Individual Plans
• What to Check Before You Buy
• Frequently Asked Questions

MediCard Individual Plans

MediCard's entry-level lineup is the cheapest published individual HMO pricing we found in the Philippines. Health Plus costs ₱1,545.00/year. RxER, which leans toward emergency and prescription coverage, costs ₱2,378.00/year. My MediCard, a broader outpatient-leaning plan, costs ₱3,600.00/year. MediCard H.E.R.O. costs ₱6,000.00/year and carries an annual benefit limit of up to ₱60,000. These four are priced far below MediCard's hospital-access plans below, because they're built around outpatient consults, diagnostics, and smaller benefit ceilings rather than confinement at major private hospitals. If your main concern is affordable routine care and you're comfortable with a lower benefit cap, this tier is where MediCard's individual pricing starts. All figures are published directly on medicardphils.com.

MediCard Standard and VIP Hospital Plans

MediCard's standard individual/family plan is priced by hospital access and benefit limit. In the ward/semi-private tier, excluding Asian Hospital, Cardinal Santos, Makati Medical Center, St. Luke's Global, St. Luke's QC, and The Medical City, a principal alone costs ₱10,739.00 with a ₱50,000 dreaded-disease limit, or ₱12,049.00 with a ₱60,000 limit. A principal plus up to 4 dependents runs ₱47,161–₱55,930. Including those six hospitals, the principal-only price rises to ₱18,850.00–₱21,908.00.

The VIP tier adds access to Asian Hospital, Makati Medical Center, St. Luke's QC and Global, and The Medical City. A principal alone runs ₱25,379.00 (Regular Private, ₱200,000 limit) up to ₱66,943.00 (Suite, ₱500,000 limit). For ages 61–65, principal-only pricing runs ₱32,993.00–₱104,432.00. MediCard's VIP page states "Last update: May 15, 2022," so treat these figures as potentially outdated and confirm current pricing directly with MediCard before budgeting around them.

MediCard Select (Fund-Based) and Kabayan

MediCard Select works differently from its other plans — it's fund-based rather than a fixed annual premium against a benefit schedule. Without 5-star hospital access, members aged 60 and below pay ₱30,000 fund + ₱3,000 annual access fee; above 60, it's ₱58,000 fund + ₱3,000. With 5-star hospital access added, the fund rises to ₱45,000 for 60 and below, and ₱78,000 for above 60. This structure suits people who want a set healthcare budget they draw down from, rather than a traditional per-incident benefit cap.

MediCard also runs Kabayan, built for OFWs who want coverage for beneficiaries back home. Pricing runs from Plan 700 Single at ₱16,524.00 (₱60,000 limit) up to Plan 3000 Family of 4 at ₱86,886.00 (₱150,000 limit). Full tier details are published at kabayan.medicardphils.com.

PhilCare VidaCare Plans

PhilCare publishes two individual plans under its VidaCare line, both aimed at older members. VidaCare Premiere, designed for seniors 60 and above, costs ₱13,270.00/year. VidaCare CORE costs ₱11,120.00/year. Both prices are listed directly on shop.philcare.com.ph. PhilCare's more comprehensive plans, marketed as Health360 and HealthPro, are not priced publicly — PhilCare handles those through a quote request rather than a posted rate, so if you want broader coverage than VidaCare offers, expect to contact PhilCare directly rather than finding a number on the site. If you're specifically shopping for senior coverage, VidaCare's two tiers are currently the only PhilCare individual prices you can see without submitting an inquiry.

Other Insurers That Sell Individual Plans

A few other companies sell individual HMO coverage in the Philippines but don't publish prices publicly, so any figure attributed to them online should be treated as unverified. iCare (Insular Health Care) covers individuals from 15 days old to below 60 years old, and states that pre-existing conditions are not covered in the first year, with declared pre-existing conditions potentially covered after 12 months of continuous renewal. Pricing is quote-only, available through icare.com.ph. Pacific Cross offers several individual plans — Blue Royale, Select, FlexiShield, and Critical Cover Extra — covering ages 0 to 100, also quote-only, listed at pacificcross.com.ph. Separately, Intellicare sells HMO coverage only through employers on a quote basis, so it isn't a direct option if you're shopping without a company plan. Kaiser International Healthgroup's flagship product is closer to a long-term-care and insurance hybrid than a standard annual HMO card, worth knowing if you were expecting a typical HMO structure from it.

What to Check Before You Buy

Published price alone doesn't tell you what you're getting. Before choosing an individual plan, confirm the annual benefit limit and whether it resets yearly, which hospitals you actually get access to at your chosen tier (MediCard's own pricing shows how much that alone changes the premium), whether pre-existing conditions are covered and after what waiting period, and whether outpatient consults, lab work, and medicines are included or billed separately. For MediCard's VIP tier specifically, call and confirm the price directly rather than budgeting off the published figure, since that page has not been updated since May 2022 by MediCard's own notice. If you're weighing an HMO against relying on PhilHealth alone, see our comparison of HMO vs. PhilHealth coverage before you commit to a plan.

Frequently Asked Questions

Can I buy an HMO plan in the Philippines without an employer?

Yes. MediCard, PhilCare, iCare/Insular Health Care, and Pacific Cross all sell individual plans directly to consumers. Intellicare, by contrast, sells only through employers.

What is the cheapest individual HMO plan in the Philippines?

Among the providers we checked, MediCard's Health Plus is the lowest published price at ₱1,545.00/year, though it carries a smaller benefit scope than MediCard's hospital-access plans.

How much is MediCard for one person?

It depends on the plan. Entry-level options range from ₱1,545 to ₱6,000/year. The standard hospital-access plan for a principal alone runs ₱10,739–₱21,908/year depending on which hospitals are included. The VIP tier runs ₱25,379–₱66,943/year, per MediCard's page last updated May 15, 2022.

Is PhilCare good for seniors?

PhilCare's VidaCare Premiere is specifically built for members 60 and above, priced at ₱13,270/year. VidaCare CORE, at ₱11,120/year, is the other published individual option.

Does an individual HMO cover pre-existing conditions?

It varies by provider. iCare/Insular Health Care states pre-existing conditions are excluded in the first year but may be covered after 12 months of continuous renewal if declared upfront. Confirm the exact terms with your chosen insurer before enrolling.

What's the difference between MediCard Select and MediCard's standard plans?

MediCard Select is fund-based — you pay into a set amount you draw down from, plus an annual access fee — rather than a fixed premium against a traditional benefit schedule like MediCard's Health Plus, standard, or VIP plans.

Can OFWs get HMO coverage for family back home?

Yes. MediCard's Kabayan line is built for this, with plans from ₱16,524/year (Single, ₱60,000 limit) up to ₱86,886/year (Family of 4, ₱150,000 limit).

Are there individual HMO plans with no published price at all?

Yes — PhilCare's comprehensive Health360 and HealthPro plans, iCare, and Pacific Cross are all quote-only. You'll need to contact them directly for a rate specific to your age and coverage needs.

Conclusion

MediCard currently publishes the most granular individual pricing of any HMO in the Philippines, from ₱1,545/year entry plans up to VIP tiers near ₱67,000 — though the VIP figures haven't been refreshed since 2022 by MediCard's own admission, so confirm before you budget around them. PhilCare's VidaCare plans are the other clear published option, especially for seniors. Everyone else on this list sells individual coverage but keeps pricing behind a quote request. For a wider look at cost-effective options, see our guide to the cheapest HMO plans in the Philippines, our breakdown of MediCard plans and prices, and our guide on how to choose an HMO in the Philippines. If your priority is confirming a specific hospital is covered, see our guides to checking Maxicare accredited hospitals and ValuCare accredited hospitals.