Health Insurance9 min read
Private Health Insurance Philippines:
Is It Worth It? (2026)
Should you get private health insurance on top of PhilHealth? We break down the real costs, benefits, and top private HMO providers for locals and expats in the Philippines.
Last updated: April 2026
Expert Reviewed
Key Comparison
PhilHealth vs. Private Health Insurance
| Feature | PhilHealth | Private HMO |
|---|---|---|
| Cost | Mandatory (salary deduction) | ₱15,000–₱100,000+/yr |
| Inpatient Coverage | Basic hospitalization | Comprehensive |
| Outpatient Coverage | Limited | Full outpatient care |
| Hospital Access | Government + accredited | Private hospitals |
| Waiting Time | Longer | Shorter |
| Dental / Optical | Not included | Available as add-on |
| Telemedicine | Not available | Available (Intellicare) |
| International Coverage | None | Available (Pacific Cross) |
Top Picks
Best Private Health Insurance Plans
1
Maxicare Healthcare
4.7
400+ HospitalsOutpatientDental Add-onTelemedicine
Pros
- Largest private hospital network
- Comprehensive outpatient coverage
- Fast claims processing
Cons
- Higher premiums for premium tiers
- Limited rural coverage
Best For: Professionals, families, corporate employees
2
Intellicare (Asalus)
4.6
TelemedicineOutpatientWellness300+ Hospitals
Pros
- Best telemedicine platform
- Competitive pricing
- Strong preventive care
Cons
- Smaller network than Maxicare
- No international coverage
Best For: Young professionals, SMEs, tech-savvy users
3
Medicard Philippines
4.5
InpatientOutpatientMaternityEmergency
Pros
- Most affordable entry-level plan
- Good maternity coverage
- Nationwide availability
Cons
- Lower coverage limits on basic plans
- Slower claims in some areas
Best For: Budget-conscious individuals, families with maternity needs
FAQ
Frequently Asked Questions
Get Your Private Health Insurance Quote
Compare private HMO plans and find the right coverage for your needs and budget.
WhatsApp