Hmo reviews from Reddit
Summary
We analyzed 259 Reddit reviews across 34 subreddits and 97 posts to rank the best Hmo brands recommended by redditors, including communities like r/phinvest, r/buhaydigital, r/adultingph, r/DigitalinsurancePh, r/Iloilo. Top-rated brands include Maxicare (4.0/5), Medicard (4.0/5), Intellicare (4.2/5).
Stats
Reviews259
Subreddits34
Posts97
Brands41
Products16
259 reviews from
and
By Brand
/By Product
#1
Maxicare
4.0
(77)
"If you're in the Philippines, some of the best HMOs right now are Maxicare, Medicard, Intellicare, and PhilCare. They offer good coverage and a wide network of hospitals."
"It covers unlimited consultations and laboratory procedures."
"Dako kaayog help ang ilang ultrasound when I was pregnant."
"Pinaka sulit sa mom mo yung Maxicare PRIMA Gold prepaid card."
"Unlimited tests and consultation sa Primary Care Clinics."
"Maxicare may malapit kasi na Maxicare clinic samen kaya kahit konting sakit lang katawan ko."
"No age limit. No CI. Yan ung ginagamit ng parents ko."
"100% covered nila yung consultations."
"Would recommend maxicare prima gold for unlimited consultations :)"
"Go for Maxicare."
#2
Medicard
4.0
(45)
"I’d recommend getting the VIP healthcare package which starts at 25,379 with an MBL of 200k."
"The top 3 na mabibilis magapprove ay: 1. Medicard 2. Intellicare 3. Valucare"
"Medicard gamit ng mom ko (53) nung nag fluctuate yung BP niya, pinunta siya agad ng company niya sa hospital to monitor, private room at nag stay sya for 3-4 days."
"I'm personally using Medicard and agent din ako :) With youd budget, add ka lang ng konti, eto na coverage mo with Medicard."
"Medicard since birth, no problems at all."
"Try medicard. Ganda ng app nila and halos marami doctors and hospital accepting this, based on my experience."
"Medicard 💯"
"You can try medicard. May sarili silang clinic at madami din accredited hospitals. Mas madali din silang kausap."
"Medicard. You can have as much as 500K MBL sa VIP plans nila."
"You may also try the VIP package of Medicard, mas malaki ang limit nito at mas comprehensive compared to their standard plan."
#3
Intellicare
4.2
(25)
"Paid tanang labs and consultations ni mader, 200k cap for each dependent."
"Intellicare <3"
"Intellicare for me"
"Intellicare"
"Intellicare ang gamit naman ng sis ko for my parents. Ang laking tulong niya this year."
"3 yrs using Intellicare and was the best so far."
"Try nyo Intellicare"
"Intellicare/Avega covered my mom's physical therapy way back 2019 from a knee surgery as part of a post-op rehab/aftercare."
"Best I've tried so far is Intellicare, they have a lot of associate Doctors here in Duma, and their customers service is good no waiting line, but they are a bit expensive."
"Intellicare is good here in Dumaguete since they also have a satellite office here and have a bunch of accredited clinics."
#4
AXA
4.3
(16)
"Baka you want consider GLOBAL HEALTH ACCESS by AXA is an International Private Medical Insurance with 100Million Coverage anytime, anywhere."
"Hi I'm with Axa with superb after sales service."
"I'm with Axa with superb after sales service"
"Hi I'm with Axa with superb after sales service"
"OP try ang AXA, accredited sila sa halos tanan hospitals in Tagbilaran like ACe, Ramiro and Gallares Hospital."
"AXA"
"Went with AXA because of higher annual benefits in the same price range"
"I'll be getting AXA Global Health next year and planning to do it yearly."
"Axa and Pacific Cross. Just a bit high premium."
"Pricey but considering lifestyle natin... I found it as the most secured option for me."
#5
Pacific Cross
3.7
(18)
"Pacific Cross. My aunt has stroke hx and current CA with mets and Pacific Cross has been helpful with her inpatient stays due to her cancer complication."
"As for me, eyeing for Pacific Cross Select+."
"Pacific Cross. Entire family is covered."
"Pacific Cross. Just a bit high premium."
"Pacific Cross stands out for its extensive medical coverage, including for serious medical conditions."
"Pacific Cross covers up to age 100."
"Pacific cross. DM me."
"Check pacific cross. Advantage is big coverage."
"Pacific Cross may special package for senior."
"Try Pacific Cross! Their coverage is PHP2,000,000 Per Disability Per Year."
#6
HMO
4.0
(11)
"HMO is better"
"11k a year is very cheap."
"11k a year is very cheap. Without hmo that 11k is just a single MRI."
"Yes, worth it. You never know kung kelan mo magagamit yan for your parents."
"The peace of mind it gives is worth it."
"Yes, for peace of mind na din."
"I would say worth it yan. Sulit na yan dental, check up and other labs."
"For HMO, Pls ask your doctor, clinic, and hospital to go kung anong affliated HMO nila bago kayo bumili."
"Get HMO. I think mas mahal lang yung sa smoker."
"I pay about the same amount for my parents nasa 2k monthly dalawa sila."
#7
Philcare
4.0
(10)
"PhilCare to me is the best. 24/7 may sumasagot na support, based on my experience."
"Philcare is the best."
"Try mo Philcare, check mo sa website nila. Though ER vantage at admissions lang naavail namin, okay naman sila kausap."
"Check kwik.insure."
"Damo ko nabasa good reviews d sa reddit. Affordable pa."
"E philcare ba maganda?"
"Check out Kwik Insure :) For 1,495 monthly I get 150k coverage thru PhilCare."
"Try mo philcare at cocolife eto yung health card namin sa company sobrang dali gamitin app nila at mabilis tawagan, wag maxicare mdami di nag accept"
"I am eyeing for PhilCare but I’ll doo some research first about this"
"When I was researching for HMOs, I considered Philcare din kasi ok naman."
#8
Kaiser
4.0
(8)
"Kaiser!"
"Try Kaiser Ultimate Long-term Healthcare."
"Meron ang kaiser, but we have yung corpo HMO which covered pregnancy."
"Kaiser Long Term Healthcare, naay free annual P.E. and Dental services."
"I changed to Kaiser in 2022 and never had issues with finding a really good PCP or specialist."
"10k. Kaiser. Kasama na check ups."
"I went with the Kaiser HDHP (been on it for 3 years) for the HSA eligibility."
"I had Kaiser for 15 years and while not overly thrilled with them, I had fair to good experiences."
#9
Etiqa
4.2
(6)
"Used it this year when I got hospitalized and had surgery."
"Maganda etiqa pero depende sa employer mo."
"Etiqa, I think we get around 10k for optical a year."
"So far etiqa mas nagustuhan ko, covered up to 70 sa parents yung plan namin."
"Tried maxicare, intellicare and etiqa. So far etiqa mas nagustuhan ko."
#10
Valucare
3.8
(4)
"Try Valucare."
"Try Valucare."
"I go with Valucare and for first year only availed Prima Gold of Maxicare."
"Meron psychiatrist consultation using Valucare HMO kaso di ko pa natry."
#11
InLife
4.0
(3)
"Inlife or Icare"
"Inlife."
"InLife has a 1 year coverage though which is still good."
#12
AXA Global Health Access
5.0
(2)
"Works like an HMO with coverage options of 500k- 5M plus accident coverage."
"AXA Global Health Access that can cover all your Medical Bills."
#13
ICARE
4.0
(2)
"ICare"
"ICARE(Inlife/Insular Life) yung HMO sa Company namin. So far, okay naman sya."
#14
Kwik Insure
4.0
(2)
"Maganda yung Kwik Insure, quick approval and covered ang pre-existing conditions."
"I got under Kwik insure and they will cover pec after 6 months."
#15
Avega
4.0
(2)
"Sakin naman, Avega is amazing."
"Try avega or medicard, mukhang okay naman."
#16
PhilCare
4.0
(2)
"I suggest you get Kwik.Insure (under PhilCare) HMO. Applicable sa mga freelancers."
"Not sure what your budget is but an option you and your sibling can explore (and share the expense with) is Vidacare Premiere by PhilCare."
#17
AllCare
3.5
(2)
"Try ALLCARE."
"I used Allcare"
#18
KwikInsure
5.0
(1)
"You can contact an agent thru FB messenger"
#19
GHC
5.0
(1)
"I used GHC and never had a problem of any kind whatsoever."
#20
CIGNA
5.0
(1)
"No pre-evaluation processes to go through."
#21
United Healthcare
5.0
(1)
"The reason UHC is the best option is because it’s accepted by the most providers."
#22
Kaiser Ultimate Healthcare
4.0
(1)
"You can check kaiser ultimate healthcare, for long term"
#23
Eastwest
4.0
(1)
"Eastwest maganda."
#24
Illinois Health Partners
4.0
(1)
"If you switch to Illinois Health Partners (243), you would have a lot of options."
#25
Cocolife
4.0
(1)
"Cocolife works fine for me"
#26
Generali
4.0
(1)
"Generali"
#27
Pacific Cross Select
4.0
(1)
"The top 3 that most freelancers recommended were Maxicare, Medicard, and Pacific Cross Select."
#28
Kwik
4.0
(1)
"So far positive lahat ng naging experience ko with Kwik."
#29
Allianz
4.0
(1)
"Mejo mahal yun premium but Ive had no problems so far."
#30
Inlife
4.0
(1)
"Inlife/iCare"
#31
Pioneer
4.0
(1)
"Try mo sa Pioneer. Parang maganda rin premium nila doon."
#32
Kwik Care
4.0
(1)
"Try inquiring yung Kwik Care. Under sya ng philcare yata."
#33
Sunlife
4.0
(1)
"Try Sunlife. And if makaya sa imong budget, aim for higher coverage gyud (1M+)."
#34
AIA
4.0
(1)
"AIA is good din ba?"
#35
Pacific Cross Travel Select
4.0
(1)
"Check Pacific Cross Travel Select +"
#36
Maria Health
4.0
(1)
"Browse ka sa mariahealth . daming option dun"
#37
Anthem Badgercare
4.0
(1)
"I have had Anthem Badgercare for a year and haven’t had any issues."
#38
KwikCare
4.0
(1)
"So far, satisfied ako sa service."
#39
Kwikcare
4.0
(1)
"Kwikcare for freelancers."
#40
HDHP
3.0
(1)
"Hdhp seems better but everyone is different"
#41
Intelicare
2.0
(1)
"They don't cover psychiatrist consult."
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