MediCard Plans and Prices in the Philippines (2026 Guide)
Quick Answer: MediCard publishes individual plan prices for 2026 ranging from ₱1,545/year (Health Plus, outpatient-only) up to ₱25,379+/year (VIP, full HMO with access to 5-star hospitals). Key options: My MediCard ₱3,600/year (unlimited specialist consults), the new MediCard H.E.R.O. ₱6,000/year (emergency-only, for gig workers and freelancers), and Standard from ₱10,739/year (full inpatient + outpatient HMO). MediCard is the only Philippine HMO founded and managed by doctors, with 18 of its own free-standing clinics and a network of roughly 58,000–59,000 accredited doctors.
MediCard stands out for one big reason: it publishes real individual prices, so you can compare before you talk to an agent. It's also the rare HMO that runs its own clinics. This guide covers every individual plan, what each actually pays for, and the gotchas (like when pre-existing conditions kick in).
Table of Contents
- MediCard plans and prices at a glance
- Outpatient and consult plans
- MediCard H.E.R.O. (emergency-only)
- Full HMO plans: Standard, Kabayan, VIP
- MediCard's own clinics and network
- How to enroll, avail, and file claims
- Key exclusions
- FAQ
MediCard plans and prices at a glance
| Plan | Annual price (2026) | Type |
|---|---|---|
| Health Plus | ₱1,545 | Outpatient only |
| RxER | ₱2,378 | Outpatient + emergency (not full HMO) |
| My MediCard | ₱3,600 | Unlimited specialist consults |
| MediCard H.E.R.O. | ₱6,000 | Emergency-only (new in 2026) |
| Standard | from ₱10,739 | Full HMO (inpatient + outpatient) |
| Kabayan | from ₱16,524 | Full HMO for OFW beneficiaries |
| VIP | from ₱25,379 | Premium full HMO + abroad assistance |
Prices are officially published on MediCard's site and inclusive of 12% VAT. "From" prices are for a principal member at the lowest room/MBL tier; your actual quote rises with age, dependents, and room type. Captured June 2026 — confirm before enrolling.
Outpatient and consult plans
Health Plus (₱1,545/year) — outpatient only. Unlimited consults with GP, Family Medicine, Internal Medicine, Pediatrics, and (non-maternity) Gynecology, plus a flat ₱600 rate for ENT/ophthalmology/rehab specialists. Includes one annual physical exam (CBC, urinalysis, fecalysis, chest X-ray), a 20% discount on lab/diagnostics, and a one-time oral prophylaxis. No age limit and no medical exam to enroll. Excludes maternity, medicines, and confinement. Access is at MediCard's own clinics.
RxER (₱2,378/year) — outpatient + emergency. Unlimited consults with primary-care and select specialists, free APE, free dental consult, and a 30% discount on outpatient labs/surgeries/dental. Adds emergency outpatient care up to ₱20,000/year (trauma, burns, animal bites, accidental poisoning) plus emergency diagnostics up to ₱5,000. Note: this is not a full HMO — there's no inpatient confinement coverage.
My MediCard (₱3,600/year) — unlimited specialist consults. Unlimited consults with Family Medicine, Internal Medicine, Cardiology, Endocrinology, Pulmonology, Gastroenterology, and Dentistry at any MediCard-accredited hospital or clinic nationwide, plus a one-time oral prophylaxis. Ages 18–65. Excludes maternity, emergency, lab/diagnostics, and medicines.
MediCard H.E.R.O. (emergency-only)
New in 2026, MediCard H.E.R.O. (Health Emergency Response On-Demand) is a ₱6,000/year emergency-only plan aimed at gig-economy workers, freelancers, and riders — roughly ₱17/day.
- Covers 32 emergency cases (27 trauma + 5 non-trauma infections), including emergency confinement, surgery, and diagnostics, with no admission deposit.
- Annual Benefit Limit: ₱60,000, with inner limits (e.g. ₱20,000 for modern therapeutic procedures, ₱5,000 for complex diagnostics).
- Accepted at 600 accredited hospitals, including 5-star facilities. Eligible ages: 15 days–65 years.
- Trauma is covered immediately; non-trauma cases after a 15-day waiting period. You must avail within 6 hours of the incident or symptom onset. Epidemic/pandemic infectious diseases are excluded.
Full HMO plans: Standard, Kabayan, VIP
These are the comprehensive plans with real inpatient confinement.
Standard (from ₱10,739/year) — individual & family full HMO. MBL tiers range from ₱50,000–₱60,000 (ward/semi-private, excluding premium hospitals) to ₱100,000–₱120,000 (semi-private/small-private, including premium hospitals like Asian Hospital, Cardinal Santos, Makati Med, and St. Luke's QC). Covers consults, referrals, X-ray/lab, CT/MRI/ultrasound up to ₱5,000/year, and dental. Emergency care is free at MediCard facilities and reimbursed at 80% up to ₱30,000 at non-MediCard hospitals. Pre-existing conditions are covered only from the 2nd year of continuous membership — not year one. Principal members: ages 18–60.
Kabayan (from ₱16,524/year) — for OFW beneficiaries. Three tiers (White ₱16,524 / Blue ₱24,948 / Purple ₱38,610) with benefit limits of ₱60,000–₱150,000. Includes no-deposit hospitalization, outpatient, APE, dental, and emergency. Pre-existing conditions are limited in year one (₱5,000–₱15,000), then up to 50% of the benefit limit thereafter.
VIP (from ₱25,379/year) — premium full HMO. MBL tiers from ₱200,000 (regular private) up to ₱500,000 (suite). Gives access to 5-star hospitals (St. Luke's BGC & QC, Asian Hospital, Cardinal Santos, Makati Medical Center, The Medical City). Crucially, VIP covers many pre-existing conditions (e.g. hypertension, cataracts, arthritis) and includes free executive check-ups and abroad assistance (medical evacuation/repatriation via Assist America). Principal members 61–65 are available at higher premiums.
MediCard's own clinics and network
Unlike most HMOs, MediCard owns and operates 18 free-standing clinics (FSCs) where members can consult and get tests without a separate LOA. Locations span NCR, Central Luzon, and Calabarzon — Alabang, Angeles (Clark), Calamba, Centris (QC), Fairview, Imus, Lipa, McKinley, Ortigas, Pasay, RAM Plaza (Makati), Sta. Lucia (Cainta), Sta. Rosa, Uptown Bonifacio — plus Cebu, Iloilo, and Davao.
Its accredited network is large: MediCard cites roughly 58,000–59,000 accredited doctors and 1,000–2,000+ hospitals and clinics, serving around 1 million members. Browse HMO-accredited clinics or search ClinicFinderPH to find accredited providers near you.
How to enroll, avail, and file claims
- App: MediCard GO (iOS/Android) — find doctors, book consults, request an LOA, and track reimbursements.
- Outpatient consult: book via MediCard GO. At a MediCard free-standing clinic, no LOA is needed; at other accredited facilities, you present a consultation form/LOA. Telemedicine is also available in-app.
- Inpatient: present your MediCard ID and admitting order at the hospital; MediCard issues the LOA once approved per your plan.
- Reimbursement: submit the Reimbursement Claim Form (plus the e-payout enrollment form) within 30 calendar days of availment.
Key exclusions
Common exclusions across plans include take-home medicines, maternity consultations (on Health Plus and My MediCard), and pre-existing conditions in year one on Standard. H.E.R.O. additionally excludes epidemic/pandemic infectious diseases, self-inflicted injury, illegal acts, and emergencies not availed within 6 hours. Always confirm against the specific Healthcare Program Agreement for your plan.
FAQ
How much is MediCard per year? Individual plans range from ₱1,545/year (Health Plus, outpatient-only) to ₱25,379+/year (VIP, full HMO). Popular middle options are My MediCard at ₱3,600 (unlimited consults) and Standard from ₱10,739 (full HMO).
What is the cheapest MediCard plan? Health Plus at ₱1,545/year is the cheapest, but it's outpatient-only (consults, one APE, lab discounts) with no hospital confinement.
Does MediCard cover hospitalization? Only the full HMO plans (Standard, Kabayan, VIP) and the emergency-only H.E.R.O. plan cover hospital confinement. Health Plus, RxER, and My MediCard do not include inpatient confinement.
When does MediCard cover pre-existing conditions? On the Standard plan, pre-existing conditions are covered from the 2nd year of continuous membership. The VIP plan covers many pre-existing conditions (like hypertension and cataracts) from the start.
What is MediCard H.E.R.O.? A new 2026 emergency-only plan at ₱6,000/year for freelancers, riders, and gig workers. It covers 32 emergency cases up to a ₱60,000 annual limit at 600 hospitals, with no admission deposit — but you must avail within 6 hours of the incident.
Does MediCard have its own clinics? Yes — MediCard operates 18 free-standing clinics nationwide where members can consult and get tests, often without a separate LOA.
The bottom line
MediCard's transparency on pricing makes it one of the easiest HMOs to compare. If you only need consults, Health Plus or My MediCard is cheap; if you need real hospital protection, you need Standard or VIP; and the new H.E.R.O. plan is a smart, affordable emergency net for gig workers.
Compare MediCard against other providers in our how to choose an HMO guide, see the Maxicare plans and prices guide, or find accredited clinics near you on ClinicFinderPH.