If you are looking for a prepaid HMO Philippines option that is affordable, flexible, and easy to use, iCare’s prepaid health plans offer practical solutions for individuals and families.

Launched in 2019, iCare introduced sachet-type health plans designed to cover specific illnesses or emergency conditions at a lower cost. These plans are ideal for Filipinos who want immediate health protection without committing to a full annual HMO contract.

Today, 74 percent of buyers are women. Most members are based in:

• NCR – 84.11%
• Region IV A – 8.42%
• Region VII – 2.23%
• Region XI – 1.29%
• Region III – 1.29%

This reflects the growing need for prepaid HMO coverage Philippines consumers can easily purchase and use.

What is a Prepaid HMO Plan?

A prepaid HMO plan is a one-time or limited-use health plan that provides coverage for specific medical conditions, emergency cases, or consultations.

• Emergency room care
• Hospitalization
• Laboratory procedures
• Doctor’s fees
• Consultations
• Telemedicine

Important:

• Coverage depends on final diagnosis
• Pre-existing conditions not covered
• No physical card – e-voucher via email

iCare ER Care Series

Emergency protection for accidents and selected illnesses.

ER Basic Care – ₱700

Best for: Budget protection

• Up to ₱50,000
• Accident ER treatment
• Doctor fee
• Diagnostics
• Medicines

Age 18-64 • 1 year coverage

ER Care Booster – ₱800–₱1,300

• Up to ₱100,000
• Outpatient / inpatient ER
• Room
• Surgery / ICU
• ₱1,000 cash allowance

ER Care All-in – ₱1,350–₱1,750

• Up to ₱100,000
• Accidents / illness
• Hospitalization
• Diagnostics
• Surgery
• ICU
• Telemedicine for kids

ER Care Choice – ₱100–₱350

• Up to ₱50,000
• 30 / 60 / 90 days
• Accidents
• Illness

Illnesses Covered

• Dengue
• Leptospirosis
• Pneumonia
• Bronchitis
• UTI
• COVID-19
• Appendicitis
• Malaria

Important Exclusions

• Fractures
• Burns
• Animal bites
• Sports injuries
• Pre-existing conditions
• Non-emergency cases

Other Prepaid Plans

Dengue Flex

• Up to ₱50,000
• Dengue / Lepto / COVID
• Hospitalization

K12 Health Cover

• Up to ₱50,000
• Emergency care
• Hospitalization

Med Consult

• Consultations
• Telemedicine
• Dental

She’s Well

• Diagnostics
• Mammogram
• Pap smear
• Telemedicine

How to Use ER Care

1. Go to ER
2. Show e-voucher
3. Verification
4. Treatment
5. Room based on benefit
6. Pay excess

Why Choose iCare

• Affordable
• Flexible
• No long contract
• Emergency protection
• Digital voucher

Is Prepaid HMO Worth It?

Prepaid HMO Philippines plans provide affordable emergency protection without long-term commitment.