PhilCare Plans and Prices in the Philippines (2026 Guide)

Quick Answer: PhilCare (Philhealthcare Inc.) is a private HMO — not the government PhilHealth. Its 2026 strength is a large catalog of prepaid, one-time-use health products sold online with published prices: emergency cards from ₱800 (ER Shield), Health Vantage hospitalization cards from ₱3,750, Unli-Consult ₱3,600/year (unlimited consults + dental), DigiMed teleconsult from ₱450, and VidaCare senior plans (₱11,120–₱13,270) for ages 60+. Its traditional comprehensive HMO (HealthPro) and corporate plans are quote-only. PhilCare's network covers roughly 500+ hospitals, 400+ clinics, and 30,000+ physicians.

First, the most important clarification: PhilCare is not PhilHealth. Despite the similar name, PhilCare is a private HMO owned by the Tanco group (via STI/Maestro Holdings), established in 1982. PhilHealth is the government's national health insurance. This guide covers PhilCare's individual products and their real 2026 prices.

Table of Contents

• PhilCare is not PhilHealth
• PhilCare plans and prices at a glance
• Emergency and hospitalization cards
• Consult and teleconsult plans
• VidaCare senior plans
• Comprehensive HMO (HealthPro)
• Network, app, and how to buy
• Key exclusions
• FAQ

PhilCare is not PhilHealth

This trips up a lot of people. PhilHealth is the mandatory government national health insurance every Filipino is enrolled in. PhilCare (Philhealthcare Inc.) is a private, for-profit HMO regulated by the Insurance Commission. You can — and most people should — have both: PhilHealth as your base layer, and a PhilCare product on top for cashless access. Learn more in our PhilHealth benefits and coverage guide.

PhilCare plans and prices at a glance

PhilCare publishes prices for its prepaid products on its official online shop; these are captured June 2026 and can change. The comprehensive HealthPro plan and corporate plans are quote-only.

Emergency and hospitalization cards

PhilCare's prepaid emergency cards are mostly one-time-use — they cover a single qualifying event up to a peso cap, then you buy another. They're a cheap way to add a safety net.

• ER Shield (₱800): entry-level emergency coverage.
• ER Vantage Plus (₱1,050–₱1,750 for adults): emergency coverage up to ₱40,000 / ₱60,000 / ₱80,000 depending on tier.
• IndieGo (₱1,750–₱2,550): emergency outpatient care plus hospitalization for viral/bacterial illness and accidents (except stroke), up to ₱40,000–₱80,000, plus a teleconsult and a mental-health counseling session.
• Health Vantage (from ₱3,750 for adults): a step up — covers emergency care and hospitalization (room & board, doctors' fees, labs, medicines) up to ₱40,000–₱80,000, plus ₱50,000 accidental death & disability and ₱10,000 life insurance. Ages 18–65; pre-existing conditions and stroke are not covered; honored at 400+ accredited hospitals (excluding a handful of premium facilities).

Consult and teleconsult plans

• Unli-Consult (Adults ₱3,600 / Kids ₱3,700 / 65+ ₱5,000): unlimited face-to-face consultations for a year, plus dental benefits — a strong value if you mainly want consults.
• DigiMed Consult (single-use ₱450; Plus ₱550 for a specialist): a one-off video teleconsult via the HeyPhil app — assessment, prescription, lab endorsement, and referrals.
• Unli-DigiMed Consult (₱999): unlimited teleconsults for a year.

PhilCare also sells niche prepaid products like dengue protection (from ₱299) and mental-health counseling packages (₱1,000–₱3,000), plus bundles that combine Unli-Consult with an ER card.

VidaCare senior plans

PhilCare is one of the few HMOs with dedicated senior products you can buy outright:

• VidaCare Core (₱11,120, ages 60+): a year of unlimited specialist consults and unlimited outpatient labs/diagnostics (at PhilCare-owned clinics/MedHub), plus unlimited DigiMed teleconsults. Notably, pre-existing conditions are covered (except behavioral/psychiatric ones).
• VidaCare Premiere (₱13,270, ages 60+): everything in Core plus a single-use ₱20,000 outpatient emergency benefit.

Comprehensive HMO (HealthPro)

For a traditional, renewable comprehensive HMO with full inpatient coverage, PhilCare offers HealthPro (Health Plan for Individual & Family). Its price is not published online — you request a quote from PhilCare or a reseller. If you want full hospitalization HMO coverage rather than single-use cards, this is the product to ask about.

Network, app, and how to buy

• Network: around 500+ hospitals, 400+ accredited clinics, and 30,000+ physicians nationwide. Premium hospitals like Asian Hospital, Makati Medical Center, and Cardinal Santos are in the broader network, though several premium facilities are excluded from the cheaper prepaid products.
• Buy online: most prepaid products are purchased and activated at PhilCare's online shop. Waiting periods apply (consult plans typically a few days; ER/Health Vantage 7 days after payment).
• HeyPhil 3.0 app (launched May 2026): teleconsults, instant LOA with a pre-approved daily limit so you can skip hospital queues, and real-time reimbursement claim filing and tracking.

Browse HMO-accredited clinics or search ClinicFinderPH to find accredited providers near you.

Key exclusions

PhilCare's standard prepaid products exclude pre-existing conditions (except where a plan explicitly covers them, like VidaCare and the senior Unli-Consult), stroke (even though accidents are covered), maternity/pregnancy, and a long list of chronic illnesses (diabetes, hypertension, cancer/tumors, TB, HIV/AIDS, etc.) when not in an emergency context. Always read the specific product's terms before buying.

FAQ

Is PhilCare the same as PhilHealth? No. PhilCare (Philhealthcare Inc.) is a private HMO owned by the Tanco group. PhilHealth is the government's mandatory national health insurance. They are completely separate — you can have both.

How much is PhilCare? It depends on the product. Prepaid emergency cards start at ₱800 (ER Shield), Unli-Consult is ₱3,600/year, teleconsults start at ₱450, and senior VidaCare plans are ₱11,120–₱13,270. The full HealthPro HMO is quote-only.

Can I buy PhilCare online? Yes. Most PhilCare prepaid products are bought and activated through its online shop, and you manage consults, LOAs, and claims through the HeyPhil app.

What is the cheapest PhilCare product? ER Shield at ₱800 is the cheapest emergency card, and a single DigiMed teleconsult is ₱450. For unlimited consults, Unli-Consult is ₱3,600/year.

Does PhilCare cover hospitalization? Health Vantage and IndieGo cards cover hospitalization up to a peso cap (one-time use), and the HealthPro comprehensive HMO offers full inpatient coverage. The cheaper ER cards and consult plans do not.

Are pre-existing conditions covered by PhilCare? Generally no on standard prepaid products. The senior plans (VidaCare and Unli-Consult 65+) are exceptions that cover many pre-existing conditions, except behavioral/psychiatric ones.

The bottom line

PhilCare is the most "buy-it-online, pay-as-you-go" HMO in the Philippines — great for one-off emergency cards, teleconsults, and senior coverage without a big annual commitment. Just remember it's a private HMO (not PhilHealth), and the cheap prepaid cards are single-use with exclusions, so read the terms.

Compare PhilCare 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.