Complete comparison of 7 major HMO providers — premiums, hospital network, and pediatric coverage.
| HMO Provider | Annual Premium (Child) | Hospital Network | Teleconsult | Dental | Vaccines |
|---|---|---|---|---|---|
| MaxicarePopular | ₱5,000–₱12,000 | 700+ hospitals | Add-on | Selected | |
| PhilCare | ₱4,500–₱10,000 | 500+ hospitals | Add-on | No | |
| Medicard | ₱4,000–₱9,000 | 600+ hospitals | Add-on | Selected | |
| IntelliCare | ₱4,500–₱10,500 | 450+ hospitals | Add-on | No | |
| Caritas Health Shield | ₱3,500–₱8,000 | 300+ hospitals | Limited | Add-on | No |
| Pacific Cross | ₱6,000–₱15,000 | 700+ hospitals | Add-on | Selected | |
| AXA Philippines | ₱5,500–₱13,000 | 600+ hospitals | Add-on | Selected |
Premiums are estimates for children aged 0-18. Actual premiums depend on age, plan type, and coverage limits. Contact HMO providers for exact quotes.
Check hospital network first
Make sure your preferred hospital and pediatrician are in the HMO network. A cheaper plan with a limited network may cost more if your doctor is not covered.
Teleconsult is now essential
Post-pandemic, teleconsult coverage is a must-have. All major HMOs now include teleconsult — verify it's included in the base plan, not an add-on.
Understand the MBL (Maximum Benefit Limit)
The MBL is the maximum the HMO will pay per year. For children, a minimum MBL of ₱100,000 is recommended. Higher MBL = higher premium but better protection.
Pre-existing conditions
Most HMOs have a waiting period (6-12 months) for pre-existing conditions. Enroll your child early — before any chronic condition is diagnosed.
Disclaimer
HMO premiums and coverage are subject to change. Always verify current plans directly with HMO providers. KidSafe PH does not endorse any specific HMO provider.
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