Prepaid HMO Philippines

Healthcare coverage
without the annual lock-in

Pay once. Get covered immediately. No medical exam. Plans from ₱1,350 across iCare, Maxicare, MediCard & PhilCare.

Get a Plan Now → Browse All Plans ↓
Emergency Coverage

For Emergencies

One-time ER coverage for accidents, viral & bacterial illnesses. Available across 500+ hospitals nationwide. No medical exam required.

ER Care All-In
iCare Prepaid
ER Care All-In
Adults 18–64
CoveragePrice
₱80,000₱1,350
₱100,000₱1,750
  • Accidents + viral/bacterial illness
  • Dengue, Typhoid, UTI, Pneumonia & more
  • ER treatment + confinement if needed
  • Surgery & OR fees covered
  • ₱1,000 hospital cash allowance
Buy Now →
ER Care All-In Kids
iCare Prepaid
ER Care All-In
Kids 1–17 years old
CoveragePrice
₱60,000₱3,150
₱80,000₱4,150
₱100,000₱5,150
  • Accidents + viral/bacterial illness
  • ER treatment + confinement if needed
  • 1-year unlimited telemedicine
  • Dengue, Measles, Chickenpox, Rabies & more
Buy Now →
LifesavER
Maxicare Prepaid
LifesavER
ER Outpatient
₱2,299
Ages 15 days–65 · 1-year validity
Coverage limit: ₱25,000
  • ER outpatient coverage
  • Access to ALL 6 major hospitals (St. Luke's, Makati Med...)
  • Life insurance AD&D up to ₱50,000
  • 500+ partner hospitals nationwide
  • No confinement coverage
Buy Now →
LifesavER+
Maxicare Prepaid
LifesavER+
ER + Confinement
₱6,999
Ages 15 days–65 · 1-year validity
Coverage limit: ₱50,000
  • ER + confinement in regular private room
  • Access to ALL 6 major hospitals
  • Life insurance AD&D up to ₱50,000
  • Global Emergency Assist (Assist America)
  • 12x Teleconsult access included
Buy Now →
ER Vantage Plus 60
PhilCare Prepaid
ER Vantage Plus 60
Adults 18–65
₱1,350
One-time use · Activates in 7 days
Coverage limit: ₱60,000
  • Accidents + viral/bacterial illness
  • Semi-private room included
  • 500+ accredited hospitals
  • AD&D Insurance ₱50,000
Buy Now →
ER Vantage Plus 80
PhilCare Prepaid
ER Vantage Plus 80
Adults 18–65
₱1,750
One-time use · Activates in 7 days
Coverage limit: ₱80,000
  • Accidents + viral/bacterial illness
  • Semi-private room included
  • 500+ accredited hospitals
  • AD&D Insurance ₱50,000
Buy Now →
ER Vantage Kids 40
PhilCare Prepaid
ER Vantage Kids 40
Kids 6 mos–17 yrs
₱2,950
Kids 6 mos–17 yrs · Activates in 7 days
Coverage limit: ₱40,000
  • Accidents + viral/bacterial illness
  • Semi-private room included
  • 500+ accredited hospitals
  • AD&D Insurance ₱50,000
Buy Now →
ER Vantage Kids 60
PhilCare Prepaid
ER Vantage Kids 60
Kids 6 mos–17 yrs
₱3,950
Kids 6 mos–17 yrs · Activates in 7 days
Coverage limit: ₱60,000
  • Accidents + viral/bacterial illness
  • Semi-private room included
  • 500+ accredited hospitals
  • AD&D Insurance ₱50,000
Buy Now →
MediCard RxER
MediCard Prepaid
RxER Plan
Multi-use · Yearly
₱2,378/yr
No age limit · Yearly plan
ER coverage limit: ₱20,000/year
  • Emergency care: trauma, burns, animal bites
  • Multiple availments until ₱20,000 consumed
  • CT Scan / MRI / Ultrasound up to ₱5,000
  • Unlimited outpatient consultations
  • APE + 30% lab discount
Buy Now →
iCare: Register within 90 days at services.icare.com.ph. Activates 10 days after registration. Valid 12 months or until used.  |  Check accredited hospitals →
Maternity & Newborn

For Expecting Moms & Babies

Complete prenatal coverage by trimester or as an all-in-one bundle. Includes consultations, labs, ultrasound, and personal accident insurance.

PRIMA for Moms
Maxicare · PRIMA for Moms
All Trimesters Bundle
Best Value
₱16,499
Valid 1 year from registration
All 3 trimesters · Complete prenatal bundle
  • Unlimited OB-GYN & specialist consultations
  • 3x CBC, 3x Urinalysis
  • Pregnancy Test, Blood Type, HBsAg, HIV, VDRL, FBS, Pap Smear, Rubella IgG
  • OGTT + Group B Strep Test
  • 2x Ultrasound + Anomaly Scan + BPS
  • Personal Accident Insurance ₱10,000
Buy Now →
PRIMA 1st Trimester
Maxicare · PRIMA for Moms
1st Trimester
₱7,999
Use within 3 months of registration
1st Trimester labs + ultrasound
  • Pregnancy Test, CBC, Urinalysis
  • Blood Type, HBsAg, HIV, VDRL, FBS
  • Pap Smear + Rubella IgG
  • Transvaginal or Abdominal Ultrasound
  • Personal Accident Insurance ₱10,000
Buy Now →
PRIMA 2nd Trimester
Maxicare · PRIMA for Moms
2nd Trimester
₱4,499
Use within 3 months of registration
2nd Trimester labs + anomaly scan
  • Repeat CBC & Urinalysis
  • OGTT (Oral Glucose Tolerance Test)
  • Congenital Anomaly Scan
  • Personal Accident Insurance ₱10,000
Buy Now →
PRIMA 3rd Trimester
Maxicare · PRIMA for Moms
3rd Trimester
₱4,499
Use within 3 months of registration
2nd Trimester labs + anomaly scan
  • Repeat CBC & Urinalysis
  • Group B Strep Test
  • Ultrasound (TVS or Abdominal)
  • Biophysical Profile Score
  • Personal Accident Insurance ₱10,000
Buy Now →
PRIMA for Babies
Maxicare · PRIMA for Babies
PRIMA for Babies
0–12 Months
₱4,999
Valid 1 year from registration
Unlimited pedia consults + 6-in-1 vaccine
  • Unlimited pediatric consultations
  • 1 dose 6-in-1 vaccine (Hep B, OPV, DPT, HIB)
  • Baby Book included
  • Personal Accident Insurance ₱10,000
  • Exclusive PRIMA member rates on add-ons
Buy Now →
⚠ Note: PRIMA for Moms covers prenatal consultations, labs, and ultrasounds only. Delivery and hospitalization costs are NOT covered. For delivery coverage, consider a full annual HMO plan.
Outpatient & Consultations

For Check-ups & Consultations

Unlimited or multi-use plans for everyday health needs. No medical exam required to enroll.

MediCard Health Plus
MediCard Prepaid
Health Plus
Consultations Only
₱1,545/yr
No age limit · Yearly plan
Unlimited OPD consultations
  • Unlimited OPD: GP, Family Med, IM, Pedia, GYN
  • Annual Physical Exam (CBC, X-ray, UA, Fecalysis)
  • ₱600 flat specialist consult rate
  • 20% discount on labs
  • One-time oral prophylaxis
  • No emergency coverage
Buy Now →
My MediCard
MediCard Prepaid
My MediCard
Specialist Access
₱3,600/yr
Ages 18–65 · Yearly plan
Unlimited specialist consultations
  • Unlimited: Cardio, Endo, Pulmo, Gastro, Dentist & more
  • One-time oral prophylaxis + APE
  • 30% off outpatient surgeries
  • 30% off labs
  • No emergency/inpatient coverage
Buy Now →
PRIMA Access
Maxicare · PRIMA
PRIMA Access
Best for Families
₱9,999/yr
Ages 0–100 · Yearly plan
Unlimited consults + 24 free lab availments
  • Unlimited consultations (18 specializations)
  • Annual Physical Exam (Basic 5)
  • 24 free lab availments (Set A)
  • 2 X-rays, 2 ECGs, 1 Ultrasound
  • Pre-existing conditions welcome
  • Activates within 24 hours
Buy Now →
PRIMA Elite
Maxicare · PRIMA
PRIMA Elite
Most Comprehensive
₱19,999/yr
Ages 0–100 · Yearly plan
Unlimited consults + unlimited labs
  • Unlimited consultations (18 specializations)
  • Unlimited Set A lab tests
  • Unlimited X-rays & ECGs
  • 2D Echo + Treadmill Stress Test + CT Scan
  • Pre-existing conditions welcome
  • Activates within 24 hours
Buy Now →
MediCard: Consultations Mon–Fri only. Appointment required. Activates 7 days from purchase. APE available after 14 days. When enrolling click "Assisted by Agent" → Yes → Code: AIAR000000037
Laboratories & Diagnostics

For Laboratories & Diagnostics

Plans with included or discounted lab tests — ideal for regular health monitoring and annual check-ups.

My MediCard
MediCard Prepaid
My MediCard
₱3,600/yr
Ages 18–65 · Yearly plan
30% off all outpatient labs
  • 30% discount on all outpatient labs
  • 30% off outpatient surgeries
  • APE: CBC, X-ray, UA, Fecalysis
  • Baseline panoramic dental X-ray
Buy Now →
PRIMA Access
Maxicare · PRIMA
PRIMA Access
24 Free Availments
₱9,999/yr
Ages 0–100 · Yearly plan
24 free lab availments (Set A)
  • 24 free availments from Set A (80+ test types)
  • 2 Chest X-rays, 2 ECGs
  • 1 Ultrasound (incl. OB)
  • APE Basic 5 included
  • 30+ PCC clinic locations nationwide
Buy Now →
PRIMA Elite
Maxicare · PRIMA
PRIMA Elite
Unlimited Labs
₱19,999/yr
Ages 0–100 · Yearly plan
Unlimited Set A lab tests
  • Unlimited Set A lab tests (80+ types)
  • Unlimited X-rays & ECGs
  • 1 Ultrasound (incl. OB)
  • 2D Echo, Treadmill, CT Scan
  • APE Basic 5 included
Buy Now →
RxER
MediCard Prepaid
RxER Plan
₱2,378/yr
No age limit · Yearly plan
APE included + 30% off all labs
  • 30% discount on all labs at MediCard clinics
  • APE (CBC, X-ray, UA, Fecalysis) included
  • Emergency coverage bundled
  • Unlimited outpatient consultations
Buy Now →
Pre-existing Conditions

For Members with Pre-existing Conditions

Most ER prepaid cards exclude pre-existing conditions. These plans accept members regardless of health status for outpatient and preventive care.

⚠ Critical Limitation: ALL ER prepaid cards do not cover emergencies from pre-existing conditions — Hypertension, Diabetes, heart disease, stroke complications are excluded. Plans below are for preventive/outpatient care only.
PRIMA Access
Maxicare · PRIMA
PRIMA Access
Pre-existing Welcome
₱9,999/yr
Ages 0–100 · Pre-existing welcome
Unlimited consults + 24 free lab availments
  • Pre-existing conditions welcome
  • No medical exam required
  • Unlimited specialist consultations
  • Cardiologist, Endocrinologist, Nephrologist & more
  • 24 free lab availments for monitoring
Buy Now →
PRIMA Elite
Maxicare · PRIMA
PRIMA Elite
Pre-existing Welcome
₱19,999/yr
Ages 0–100 · Pre-existing welcome
Unlimited consults + unlimited labs
  • Pre-existing conditions welcome
  • Unlimited specialist visits
  • Unlimited labs for ongoing monitoring
  • 2D Echo & Treadmill Stress Test
  • CT Scan included
Buy Now →
My MediCard
MediCard Prepaid
My MediCard
₱3,600/yr
Ages 18–65 · Yearly plan
Unlimited specialist consultations
  • No medical exam to enroll
  • Unlimited Cardio, Endo, Pulmo, Gastro, Dentist consults
  • Monitor chronic conditions affordably
  • 30% off labs at MediCard clinics
Buy Now →
Senior Members

For Ages 66 to 100

Most emergency cards cap at 65. These plans cover seniors who are typically declined by standard HMO products.

⚠ Age Restriction Alert: iCare, PhilCare ER products, MediCard RxER/HealthPlus, and Maxicare LifesavER all cap at age 65. For seniors, PRIMA Access and PRIMA Elite are the only available options.
PRIMA Access
Maxicare · PRIMA
PRIMA Access
Ages 0–100
₱9,999/yr
Ages 66–100 welcome · No age limit
Unlimited consults + 24 free lab availments
  • Open to ages 66–100
  • Pre-existing conditions welcome
  • Unlimited specialist consultations
  • Cardiologist, Endo, Nephro, Pulmo & more
  • 24 lab availments + APE
  • Activates within 24 hours
Buy Now →
PRIMA Elite
Maxicare · PRIMA
PRIMA Elite
Ages 0–100
₱19,999/yr
Ages 66–100 welcome · No age limit
Unlimited consults + unlimited labs
  • Open to ages 66–100
  • Pre-existing conditions welcome
  • Unlimited consultations + labs
  • 2D Echo, Treadmill, CT Scan
  • Most comprehensive outpatient plan available
Buy Now →
For Senior Emergency Coverage: No prepaid ER card currently covers ages 66+. For hospitalization coverage, consider a full annual HMO. Message Jerome: facebook.com/jeromelazoferrer
How to Purchase

How to Buy Your Plan

Follow the steps below based on your chosen provider.

iCare Prepaid Plans

1

Go to iCare Shop

Visit iCare Shop → and choose ER Care All-In.

2

Complete & Pay

Fill in details and pay via GCash, bank, or credit card.

3

Register Within 90 Days

Activate at services.icare.com.ph. Activates 10 days after registration.

4

Message Jerome

Send checkout screenshot to fb.com/jeromelazoferrer or jerome@ferrer-group.com

Maxicare Prepaid Plans

1

Go to Maxicare Shop

shop.maxihealth.com.ph →

2

Choose Your Plan

LifesavER, LifesavER+, PRIMA Access, PRIMA Elite, PRIMA for Moms, or PRIMA for Babies.

3

Pay & Register

GCash, bank, or credit card. Register at memberviewpoint.maxicare.com.ph. PRIMA activates in 24 hrs; LifesavER in 15 days.

4

Message Jerome

fb.com/jeromelazoferrer or jerome@ferrer-group.com

MediCard Prepaid Plans

1

Go to MediCard Portal

RxER →
Health Plus →
My MediCard →
Hero →

2

Click "Assisted by Agent"

When asked, click Yes → Enter code: AIAR000000037

3

Complete & Pay

Fill in details and pay via GCash, bank, or credit card.

4

Message Jerome

fb.com/jeromelazoferrer or jerome@ferrer-group.com

PhilCare Prepaid Plans

1

Go to PhilCare Shop

shop.philcare.com.ph →

2

Choose Your Plan

ER Vantage Plus 60/80, ER Vantage Kids 40/60, or Health Vantage 40/60.

3

Pay & Wait

GCash, bank, or credit card. ER Vantage activates in 7 days.

4

Message Jerome

fb.com/jeromelazoferrer or jerome@ferrer-group.com

Need Help Choosing?

Not sure which plan fits you?

Jerome will help you find the right coverage — at no extra cost.

Message on Facebook Send an Email