Comprehensive and affordable HMO on 0% interest installments

As healthcare costs rise and communicable illnesses threaten the world, having access to affordable and comprehensive medical services is becoming increasingly crucial. Indeed, health is wealth but for some, availing medical insurance is only for the wealthy. According to a 2023 Capstone-Intel Corp. survey, 59% of Filipinos do not have private medical insurance owing to its high costs. 

PhilCare, one of the country’s leading health care providers in recognition of this need is offering a comprehensive HMO plan in partnership Home Credit Philippines that is seamlessly affordable in 12 monthly installments with 0% interest.  

1. Affordable Medical Coverage

For as low as P699/month for the Basic Health Plan, you can avail a wide range of HMO benefits through Home Credit and spread the cost in easy 0% installments. This flexibility eases your financial stress, allowing you to prioritize your health without having to worry about upfront medical coverage bills.

2. Comprehensive Health Protection

With three HMO plans to choose from, you can benefit from a range of services for different medical needs such as unlimited medical consultations, laboratory and diagnostic tests, inpatient and outpatient care, emergency care, dental care, mental health care, annual physical exam, and more. Each plan ensures comprehensive coverage in times of medical needs. 

3. Wide Access to Healthcare Providers

Availing PhilCare’s comprehensive HMO plan through Home Credit grants you access to 55,000+ doctors and 1,800+ hospitals and clinics nationwide. Whether you need routine care or specialized treatment for a specific illness, the HMO plan ensures you are covered no matter where you are in the Philippines.

PhilCare’s HMO includes three plans tailored to different needs and budgets, allowing you to select the optimum coverage for your personal and family health needs.  

Check the table below for more details about each HMO plan: 

1. Where can I avail of the HMO plan?

You can avail the HMO plan on selected Home Credit locations in NCR North, NCR South, Luzon Southeast, Luzon Southwest, Luzon Bicol, and Cebu.

View the list of locations to apply.

2. Where can I use the HMO benefits?

You can use the HMO benefits in any of the 1,800+ accredited hospitals and clinics of PhilCare nationwide. 

With Comfort and Premium Health Plans, you can also access the top 6 major hospitals:  Makati Medical Center, St. Luke’s Global City & Quezon City, Asian Hospital Medical Center, Cardinal Santos, and The Medical City  

3. Starting when can I use the HMO benefits?

The HMO benefits will be activated 7 days from the date you sign up for your chosen plan with Home Credit.

4. Where can I pay my HMO monthly installments? 

Repay conveniently for FREE via Home Credit mobile app or website using your BPI, UnionBank, BDO, Landbank, or RCBC Online banking. You may also pay using Maya e-wallet for just P10. If you prefer to pay over the counter, you can choose from our 72,000 partner store locations nationwide. For details, please visit this link.

5. I need to schedule a medical check-up, what should I do first?

You can use PhilCare’s HeyPhil app to generate a Letter of Authorization (LOA) and book your appointment with your preferred accredited doctor or physician.  

6. Do I need to bring an HMO card to use the HMO benefits?

Since this is an app-based HMO, clients are not required to bring a physical HMO card. All you need to do is present your digital HMO card (available in the PhilCare’s Hey Phil mobile app) to the hospital.

7. What happens if I don’t pay my HMO monthly installments on time?

Kindly ensure your monthly installments are settled on or before the due date. Missing a payment will automatically cancel your HMO plan and you will lose access to all medical benefits.

PhilCare’s comprehensive HMO plan through Home Credit is a smart investment for individuals and families looking to secure their health without the stress of financial burden. For as low as P699/month, you can avail a wide range of essential services for every medical need to keep your physical health in check. Whether you choose the Basic, Comfort, or Premium plan, you can enjoy better medical coverage at a great value ensuring that you and your family are well-protected against the threat of sickness or injuries.