Health Protection Made Personal
Stay protected from unexpected medical costs with coverage designed for individuals and families. From daily checkups to emergencies, enjoy access to quality care that fits your lifestyle and budget.
Nationwide hospital networks • Licensed advisors
Individual HMO
MediCard offers two popular plans for individuals and families: Standard and VIP. Both give access to MediCard’s nationwide network of accredited hospitals, clinics, and doctors.
*Exact limits vary by age and chosen package.
Frequently Asked Questions (FAQs) on MediCard Plans
1. Who can apply for a MediCard Individual Plan?
Anyone aged 18 to 65 years old can apply as a principal member.
Dependents may include:
For married members: Legal spouse (up to 60 years old) and children (30 days old to 21 years old, unmarried and not employed).
For single members: Parents (up to 60 years old, unemployed) and siblings (30 days to 21 years old, unmarried and not employed).
For single parents: Children (30 days to 21 years old, unmarried and not employed).
2. What are the hospitalization (in-patient) benefits?
Both plans cover:
Room and board
Doctor’s fees, surgery, anesthesia
X-ray and laboratory exams
ICU care
Chemotherapy and radiotherapy (up to limits)
Blood transfusions and medicines during confinement
VIP members enjoy higher benefit limits and access to major tertiary hospitals.
3. Are preventive and dental services included?
Yes!
Preventive Care includes annual physical exam (CBC, urinalysis, X-ray, ECG, cholesterol, Pap smear, etc.), health counseling, and routine immunization (excluding vaccine cost).
Dental Care includes cleaning (twice a year), tooth extraction, fillings, gum treatment, and emergency dental procedures.
4. How do I file for reimbursement?
Submit documents to MediCard’s Claims Section within 30 days after discharge, including medical certificate, receipts, lab results, and hospital bill.
Approved reimbursements are credited directly to your bank account via MediCard’s e-Payout System.
5. Why choose MediCard?
MediCard offers one of the most comprehensive, affordable, and trusted healthcare coverages in the Philippines—with no cash-out on admission, wide hospital network, preventive care, and even lifestyle perks like wellness center access and exclusive partner discounts.
6. What illnesses and conditions are covered?
MediCard covers three categories of illnesses:
Ordinary illnesses: Dengue, typhoid, flu, UTI, appendicitis, etc.
Pre-existing conditions: Hypertension, goiter, cataract, asthma, migraine, etc. Subject to limits in the VIP plan; pre-existing conditions not covered in the Standard Plan
Dreaded diseases: Cancer, heart disease, diabetes, sepsis, and other ICU-related conditions. Medicard covers dreaded disease in the corporate programs.
7. What are the outpatient benefits?
Members can avail:
Unlimited doctor consultations
Specialist referrals
X-rays, labs, and minor surgery
Physical/speech therapy (10 sessions/year)
Cataract extraction (within MBL)
Up to ₱3,000 for outpatient medicines
Discounts (up to 30%) on lab tests at MediCard clinics
8. What happens during an emergency?
Emergency care is covered at MediCard-accredited hospitals (doctor’s fees, medicines, diagnostics, oxygen, etc.).
For non-accredited hospitals, members may file for reimbursement (up to 100% based on MediCard’s Relative Value schedule).
Foreign emergencies are reimbursable up to ₱30,000.
9. Are there any exclusions or limitations?
Yes. The plan does not cover:
Cosmetic or elective surgeries
Maternity and fertility treatments
Psychiatric and developmental disorders
Extreme sports injuries
Diseases due to illegal activity or substance abuse
Maintenance medicines and vaccines (unless specified)
10. What are the main differences between the Standard and VIP Plans?
| Feature |
Standard Plan
|
VIP Plan
|
|---|---|---|
| Room Type | Ward or Semi-private | Private Room |
| Maximum Benefit Limit (MBL) |
₱50,000–₱120,000 per illness per year (depending on room plan) |
₱200,000–₱500,000 per illness per year (depending on plan) |
| Pre-existing Conditions |
Not covered during the 1st year; eligible after continuous membership |
Covered during the 1st year (₱5,000–₱20,000 per illness) |
| Medical Evaluation (Age 41+) | Required | Not required |
|
Access to Major Hospitals (e.g., Makati Med, St. Luke’s) |
Limited | Included |
| Coverage & Category |
Ward
Without Major Hospitals · MBL: ₱50,000
|
Semi-Private
Without Major Hospitals · MBL: ₱60,000
|
Semi-Private
With Major Hospitals (except AHMC/SLMC-BGC) · MBL: ₱100,000
|
Semi-Private with AHMC
With Major Hospitals & AHMC (except SLMC-BGC) · MBL: ₱120,000
|
|---|---|---|---|---|
| Principal | ₱10,739 | ₱12,049 | ₱18,850 | ₱21,908 |
| Principal + 1 | ₱19,468 | ₱22,688 | ₱34,133 | ₱39,625 |
| Principal + 2 | ₱28,696 | ₱33,769 | ₱50,315 | ₱57,428 |
| Principal + 3 | ₱37,930 | ₱44,849 | ₱66,491 | ₱75,230 |
| Principal + 4 | ₱47,161 | ₱55,930 | ₱82,663 | ₱93,083 |
| In excess of 4 dependents | ₱9,231 | ₱11,081 | ₱16,172 | ₱17,801 |
| Coverage & Category |
Regular Private
Maximum Benefit Limit: ₱200,000
|
Regular Private
Maximum Benefit Limit: ₱250,000
|
Large Private
Maximum Benefit Limit: ₱300,000
|
Suite up to ₱8,000
Maximum Benefit Limit: ₱500,000
|
|---|---|---|---|---|
| Principal | ₱25,379 | ₱30,096 | ₱45,733 | ₱66,943 |
| Principal + 1 | ₱45,908 | ₱54,391 | ₱82,493 | ₱120,666 |
| Principal + 2 | ₱67,649 | ₱75,224 | ₱99,287 | ₱136,697 |
| Principal + 3 | ₱88,266 | ₱94,982 | ₱115,212 | ₱151,896 |
| Principal + 4 | ₱111,131 | ₱116,839 | ₱132,875 | ₱168,756 |
| In excess of 4 dependents | ₱22,517 | ₱23,542 | ₱25,841 | ₱26,566 |
| Premium for 61–65 years old (Principal Members only) |
₱32,993 | ₱39,125 | ₱71,344 | ₱104,432 |
Whether you’re securing protection for yourself or your team, we’re here to help you stay covered and confident in your health journey.
Why individuals choose us
Licensed advisors that explain your options clearly
Our licensed advisors will help you pick the right mix of coverage for your lifestyle, company, or workforce.
Networks near your home + preferred hospitals
Our licensed advisors will help you pick the right mix of coverage for your lifestyle, company, or workforce.
Fast guidance for ER and confinement questions
Our licensed advisors will help you pick the right mix of coverage for your lifestyle, company, or workforce.
Hassle-free enrollment and digital member access
Enjoy a smooth application process and manage your plan anytime through our online portal or e-card access.
Flexible plans that fit your budget and needs
Choose from Standard or VIP coverage — both designed to protect you from unexpected healthcare expenses while staying within your means.
Ready to protect your health budget
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