Maxicare Plans and Prices in the Philippines (2026 Guide)
Quick Answer: Maxicare's individual lineup in 2026 has three parts. PRIMA prepaid cards (officially published prices) start at ₱999/year for unlimited consults (PRIMA Consult), up to ₱19,999/year for consults plus diagnostics (PRIMA Elite). LifesavER emergency cards cost ₱2,299 (ER up to ₱25,000) or ₱6,999 (ER up to ₱50,000 including confinement). The full comprehensive HMO, MyMaxicare (Silver / Gold / Platinum / Platinum Plus, with ₱100,000–₱250,000 benefit limits), is quoted by age and tier — Maxicare does not publish a fixed annual price. Maxicare's network spans 1,300+ hospitals and clinics and 20,000+ doctors.
Maxicare is one of the largest HMOs in the Philippines, with over 1.8 million members. But "getting Maxicare" can mean very different things — a ₱999 consult card is not the same as a full HMO. This guide lays out exactly what's available for individuals in 2026, with the officially published prices, and flags clearly where pricing is quote-only.
Table of Contents
- Maxicare plans and prices at a glance
- PRIMA prepaid cards
- LifesavER emergency cards
- MyMaxicare full HMO
- Maxicare network
- How to enroll, claim, and use the app
- Key exclusions
- FAQ
Maxicare plans and prices at a glance
| Product | Annual price (2026) | What it's for |
|---|---|---|
| PRIMA Consult | ₱999 | Unlimited GP + specialist consults + basic APE |
| PRIMA Consult+ | ₱1,199 | Consults with a slightly wider benefit |
| PRIMA Screen Core | ₱2,499 | Preventive screening package |
| PRIMA Screen Vital | ₱7,599 | Wider screening package |
| PRIMA Access | ₱9,999 | Unlimited consults + lab/diagnostic set |
| PRIMA Screen Total | ₱11,999 | Comprehensive screening package |
| PRIMA Elite | ₱19,999 | Unlimited consults + labs + advanced diagnostics |
| Maxicare LifesavER | ₱2,299 | Emergency outpatient up to ₱25,000 |
| Maxicare LifesavER+ | ₱6,999 | Emergency up to ₱50,000, incl. confinement |
| MyMaxicare (full HMO) | Quoted by age & tier | Comprehensive inpatient + outpatient HMO |
Important: PRIMA and LifesavER are single-purpose prepaid cards, not full HMO coverage. Only MyMaxicare is a comprehensive HMO with inpatient, outpatient, and emergency benefits. Prices were captured June 2026 from Maxicare's official site and can change — confirm before buying.
PRIMA prepaid cards
PRIMA cards are prepaid, one-year health cards you can buy online (including via GCash). They're popular as an affordable entry point for people who mainly want consultations and screening, not full HMO confinement coverage.
- PRIMA Consult (₱999) / Consult+ (₱1,199): unlimited GP and specialist consultations, plus a basic annual physical exam ("Basic 5": physical exam, CBC, urinalysis, fecalysis, chest X-ray). Other tests are available at discounted member rates. No emergency or confinement coverage. Notably, there are no exclusions for pre-existing conditions on the consultation benefit — you can consult even for conditions you already have.
- PRIMA Access (₱9,999): unlimited consults across many specialties plus a set of lab tests, chest X-rays, ECGs, and an ultrasound.
- PRIMA Elite (₱19,999): unlimited consults plus unlimited covered labs/X-ray/ECG and a choice of advanced diagnostics (ultrasound, 2D echo, treadmill, or CT).
- PRIMA Screen (Core ₱2,499 / Vital ₱7,599 / Total ₱11,999): preventive screening packages of increasing depth.
As of 2026, Maxicare also bundles a free built-in personal accident insurance benefit with PRIMA cards (covering accidental death and permanent disability), with the coverage amount depending on activation date.
LifesavER emergency cards
LifesavER cards are prepaid emergency protection — useful as a cheap safety net if you don't have full HMO confinement coverage. (These replaced Maxicare's older "EReady" cards.)
- Maxicare LifesavER (₱2,299): covers outpatient emergency treatment up to ₱25,000, plus ₱50,000 in life / accidental death & dismemberment coverage. Confinement and ambulance are not included. Eligible ages: 15 days–65 years.
- Maxicare LifesavER+ (₱6,999): covers emergencies up to ₱50,000 including confinement (regular private room, bounded by the cap), plus up to 12 teleconsult calls. Honored at affiliated hospitals only. Eligible ages: 15 days–65 years.
MyMaxicare full HMO
MyMaxicare is the real comprehensive HMO — inpatient, outpatient, and emergency. It comes in four tiers, and pricing is age-based and quote-only (generate a personalized estimate on Maxicare's site). Maxicare does not publish a fixed annual price for these plans, so be wary of any "exact" figure you see online.
| Tier | Annual Benefit Limit (MBL) | Room type |
|---|---|---|
| Silver | ₱100,000 | Semi-private |
| Gold | ₱150,000 | Regular private |
| Platinum | ₱200,000 | Regular private |
| Platinum Plus | ₱250,000 | Large private |
What's covered: outpatient consultations (with covered X-ray, lab, and diagnostic/therapeutic procedures), inpatient confinement up to the MBL, and emergency care. For emergencies at non-affiliated hospitals within the Philippines, Maxicare reimburses up to 80% of the hospital bill and professional fee, up to ₱30,000 per availment; in areas with no accredited hospital, 100% reimbursement applies. Dental is an optional add-on, not included by default.
For pre-existing conditions, coverage in the first year is typically subject to sub-limits, with a waiting period commonly reported at around 12 months. Because the authoritative figures live in the current member brochure, confirm the exact pre-existing terms and age eligibility with Maxicare when you get your quote.
Maxicare network
According to Maxicare, its network includes:
- 1,300+ hospitals and clinics nationwide
- 20,000+ affiliated doctors
- 700+ dental clinics
- A growing network of Maxicare Primary Care Clinics that it owns and operates
Maxicare runs staffed help desks inside major hospitals, including Makati Medical Center, Asian Hospital and Medical Center, and Cardinal Santos Medical Center, among others. Note that entry-level prepaid cards may have restrictions at some premium hospitals — always check accreditation for your specific plan. You can also browse HMO-accredited clinics or search ClinicFinderPH for accredited providers near you.
How to enroll, claim, and use the app
- Enroll / buy: online via Maxicare's shop and apply-now portal (get a Plan Estimate first for MyMaxicare). Prepaid PRIMA and LifesavER cards are also sold inside GCash (GLife), with an e-card emailed to you.
- Using the card (cashless): request a Letter of Authorization (LOA) via the Member Gateway; it's typically issued by email within 24 hours.
- Reimbursement claims: for non-affiliated or emergency care, pay first, then file the Claims Reimbursement Form with a medical certificate, original receipts, and clinical records — generally within 10 days of discharge.
- App: MaxiHealth+ by Maxicare (iOS and Android) carries your e-card with QR, video consult, e-wallet/reimbursements, and transaction history.
- Teleconsult: available 24/7 (also via the Doctor Anywhere app), at no charge to your benefit limit.
Key exclusions
Like most Philippine HMOs, MyMaxicare excludes things such as: cosmetic/aesthetic surgery and weight-reduction procedures; congenital/hereditary conditions; maternity, fertility, and sterilization (unless a specific maternity product is bought); self-inflicted injuries and substance-related care; experimental and alternative medicine; psychiatric/mental-health and developmental disorders; routine dental (unless a dental benefit is included); STDs and HIV/AIDS; take-home medicines and durable medical equipment; and anything beyond the Annual Benefit Limit. Always read your specific plan's terms — pre-existing conditions are not automatically excluded but are subject to limits and waiting periods.
FAQ
How much is Maxicare per year? It depends on the product. PRIMA prepaid consult cards start at ₱999/year, LifesavER emergency cards are ₱2,299 or ₱6,999, and the full MyMaxicare HMO is quoted by your age and chosen tier (₱100,000–₱250,000 benefit limits), so there's no single fixed price.
Is PRIMA a full HMO? No. PRIMA cards are prepaid consult and screening cards — they cover consultations and (on higher tiers) diagnostics, but not hospital confinement. Only MyMaxicare is a comprehensive HMO.
Does Maxicare cover pre-existing conditions? PRIMA consult cards have no exclusions for pre-existing conditions on consultations. MyMaxicare covers pre-existing conditions subject to first-year sub-limits and a waiting period (commonly reported around 12 months). Confirm exact terms with Maxicare.
What's the difference between LifesavER and LifesavER+? LifesavER (₱2,299) covers outpatient emergencies up to ₱25,000 with no confinement. LifesavER+ (₱6,999) covers emergencies up to ₱50,000 including confinement, at affiliated hospitals only.
Can I buy Maxicare through GCash? Yes. Maxicare's prepaid products (PRIMA and LifesavER) are available in the GCash app (GLife), with an e-card sent to you after purchase.
How do I file a Maxicare reimbursement? For non-affiliated or emergency care, pay first and submit the Claims Reimbursement Form with a medical certificate, original receipts, and clinical records — generally within 10 days of discharge.
The bottom line
Maxicare gives you a wide ladder: a ₱999 consult card at the bottom, prepaid screening and emergency cards in the middle, and a full MyMaxicare HMO at the top. Match the product to your real need — if you want hospital coverage, you need MyMaxicare, not a PRIMA card.
Compare Maxicare against other providers in our how to choose an HMO guide, see the MediCard plans and prices guide, or find accredited clinics near you on ClinicFinderPH.