Best Prepaid Health Insurance in the Philippines for Freelancer

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When you are an employee one of the benefits of regularization is an HMO which is paid by your employer. This HMO is your safety net when it comes to sickness and hospitalization. Aside from that HMO cards have other perks like teeth cleaning, tooth extraction, and dental filling.  

 Health Insurance is important when it comes to emergency medical cases. If you are a freelancer and looking for the best-prepaid health insurance that you can purchase online this article is perfect for you.

Since prepaid health insurance or HMOs are more affordable than the regular or comprehensive plan HMO they are typically good for one-time emergency use only.  


Here at Shoppiverse PH, we collated some of the best-prepaid insurance in the Philippines that you can purchase online. If you're just starting your small business or taking your path as a freelancer this budget-friendly prepaid health insurance can help you with emergency health concerns whether for hospitalization or a simple laboratory checkup. 


Table of Contents

1. Maxicare EReady Titanium | Prepaid Health Card | HMO | Emergency

Maxicare EReady Titanium


Product Description:
• Benefit of up to ₱25,000 coverage on emergency treatment
• Single usage per card. You can use multiple cards in a year.
• Eligible for ages 15 days old to 65 years old only
• Group Life with Accidental Death, Dismemberment & Disablement (ADD&D) up to ₱50,000
• Valid for 1 year from activation date
• Covers preexisting conditions
• No preliminary checkup and paperwork needed

Coverage: 

• Life-threatening conditions, illnesses, and/or injuries that require immediate medical assistance such as heart attacks, cardiovascular or cerebrovascular accidents, loss of consciousness, and convulsions

Includes:

• Doctor’s services for emergency treatment
• Emergency Room fees
• Emergency (no take-home) medicines for immediate relief and treatment
• Oxygen, IV fluids, whole blood, and human blood products
• Dressings, casts, sutures
• X-ray, laboratory, and diagnostic exams
• Initial treatment for animal bites (within 24 hours from the time of the bite; with vaccines included)

Excludes:

• Hospital admission or confinement
• Ambulance services

Additional benefits:

• Access to Maxicare Telemedicine 24/7 Teleconsult Voice Call at (02) 8582-1980
• Access to Maxicare HealthHubs
• 10% discount on Metro Dental services
• 15% discount on MyHealth services
• Exclusive discounts from Maxicare Lifestyle Partners

To purchase the product you can visit the store: Shopee or Lazada

2.Maxicare EReady Platinum - Prepaid Health Card - HMO - Emergency

Maxicare EReady Platinum


Product Description:
Maxicare EReady Titanium has Emergency coverage without access to the 6 major Hospitals Highlights.

• Benefit of up to ₱15,000 coverage on emergency treatment
• Single usage per card. You can use multiple cards in a year.
• Eligible for ages 15 days old to 65 years old only
• Group Life with Accidental Death, Dismemberment & Disablement (ADD&D) up to ₱50,000
• Valid for 1 year from activation date
• Covers preexisting conditions
• No preliminary checkup and paperwork needed

Coverage:

• Life-threatening conditions, illnesses, and/or injuries that require immediate medical assistance such as heart attacks, cardiovascular or cerebrovascular accidents, loss of consciousness, and convulsions

Includes:

• Doctor’s services for emergency treatment
• Emergency Room fees
• Emergency (no take-home) medicines for immediate relief and treatment
• Oxygen, IV fluids, whole blood and human blood products
• Dressings, casts, sutures
• X-ray, laboratory and diagnostic exams
• Initial treatment for animal bites (within 24 hours from time of bite; with vaccines included)

Excludes:

• Hospital admission or confinement
• Ambulance services

Additional benefits: 

• Access to Maxicare Telemedicine 24/7 Teleconsult Voice Call at (02) 8582-1980
• Access to Maxicare HealthHubs
• 10% discount on Metro Dental services
• 15% discount on MyHealth services
• Exclusive discounts from Maxicare Lifestyle Partners

To purchase the product you can visit the store: Shopee or Lazada

3. Maxicare EReady Advance Titanium | Prepaid Health Card | HMO | Emergency with Confinement

Maxicare EReady Advance Titanium


Product Description:
  • Up to ₱50,000 coverage on emergency treatment including those requiring confinement, in a regular private room.
  • This prepaid health card is for Single use per card only.
  • But you can use multiple cards in a year in any location
  • Access to all Maxicare-affiliated hospitals nationwide
  • Excluding the 6 major hospitals in Metro Manila*

Eligible Age:

15 days to 65 years

Life Insurance:

Group Life with Accidental Death, Dismemberment & Disablement (ADD&D) up to ₱50,000
Emergency Medical Evacuation
Emergency medical evacuation for members who are more than 150km from the place of residence

Validity:

  • 1 year from the activation date
  • Pre-existing Conditions are Covered
  • There is no need for a Preliminary checkup and Paperwork

Coverage:

Any life-threatening or unexpected onset of a condition or illness requires the immediate alleviation of pain or discomfort within 24 hours including confinement in a regular private room.

Includes:

  • Outpatient Emergency Coverage
  • Doctor’s services for emergency treatment
  • Emergency room fees
  • Medicines for immediate relief and treatment
  • Oxygen, IV fluids, whole blood, and human blood products
  • Dressings, casts, sutures
  • X-ray, laboratory, and diagnostic
  • Initial treatment for animal bites (within 24 hours from the time of bite; with vaccines included)

Inpatient Coverage:

  • Room and board accommodation in a regular private room
  • Use of Operating Room, Intensive Care Unit (ICU), Isolation Room (if prescribed by the affiliated attending physician), and Recovery Room
  • Professional fees
  • Standard nursing services
  • Medicines when in confinement
  • Whole blood products, and IV fluids transmission
  • X-ray, laboratory, and diagnostic tests
  • Anesthesia, oxygen, and its administration
  • Free and unlimited consultations in all Maxicare Primary Care Centers nationwide

Excludes:

  • Ambulance services if within 150km from the place of residence
  • Additional Benefits
  • 24/7 TeleConsult
  • Access to Maxicare HealthHubs
  • 10% discount on Metro Dental services
  • Exclusive discounts from Maxicare Lifestyle Partners

To purchase the product you can visit the store: Shopee or Lazada

4. PhilCare - ER Vantage Plus 40 for Adults (Prepaid health card / Health card / Health insurance / HMO)

PhilCare - ER Vantage Plus 40 for Adults


Product Description:
ER Vantage Plus 40 for Adults is a single use-health plan that provides outpatient emergency care and hospitalization coverage up to P40,000 on viral and bacterial illnesses, and treatment of injuries resulting from accidents (except for stroke). Accepted in more than 500+ PhilCare accredited hospitals nationwide EXCLUDING six major hospitals in Metro Manila (Makati Medical Center. St. Lukes Medical Center (QC and GLobal), Asian Hospital and Medical Center, The Medical City and Cardinal Santos Medical Center).

AGE ELIGIBILITY AND VALIDITYBENEFIT COVERAGEOTHER ADDITIONAL BENEFITSIMPORTANT REMINDERSER Vantage plus 40 for Adults is for ages 18 to 65 years old and is valid for 1 year upon activation date. The benefit starts 7 days after the activation date. The health plan is non-transferable once activated. Outpatient Emergency Care and Hospitalization Care Benefits

The coverage is inclusive of the following benefits: 

• Room and board (WARD)
• Doctors’ fees
• Laboratory and diagnostics procedures
• Special modalities of treatment as medically necessary during ER and confinement, subject to P5,000 inner limits 
• Medicines (except vaccines) as medically necessary during ER and confinement except for cases declared as non-coverable, subject to standard inner limits
• Diagnostic and therapeutic procedures as medically necessary during ER and confinement
P50,000 accidental death and dismemberment coverage- Terms and conditions apply

- See FAQs for more details
- Check  the list of non-covered illnesses and disease
- General exclusions is applicable  
- PhilHealth coverage is required during admission. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.

To purchase the product you can visit the store: Shopee and Lazada

5. PhilCare - ER Vantage Plus 60 for Adults (Prepaid health card / Health card / Health insurance / HMO)

PhilCare - ER Vantage Plus 60 for Adults


Product Description:
ER Vantage Plus 60 for Adults is a single use-health plan that provides outpatient emergency care and hospitalization coverage up to P60,000 on viral and bacterial illnesses, and treatment of injuries resulting from accidents (except for stroke). Accepted in more than 500+ PhilCare accredited hospitals nationwide EXCLUDING six major hospitals in Metro Manila (Makati Medical Center. St. Lukes Medical Center (QC and GLobal), Asian Hospital and Medical Center, The Medical City, and Cardinal Santos Medical Center).

Vantage plus 60 for Adults is for ages 18 to 65 years old and is valid for 1 year upon activation date. The benefit starts 7 days after the activation date. The health plan is non-transferable once activated.

Outpatient Emergency Care and Hospitalization Care Benefits

The coverage is inclusive of the following benefits:

• Room and board (SEMI-PRIVATE)
• Doctors’ fees
• Laboratory and diagnostics procedures
• Special modalities of treatment as medically necessary during ER and confinement, subject to P5,000 inner limits 
• Medicines (except vaccines) as medically necessary during ER and confinement except for cases declared as non-coverable, subject to standard inner limits
• Diagnostic and therapeutic procedures as medically necessary during ER and confinement
P50,000 accidental death and dismemberment coverage- 

Terms and conditions apply:
- See FAQs for more details
- Check  the list of non-covered illnesses and disease
- General exclusions is applicable 
- PhilHealth coverage is required during admission. However, for those who do not have PhilHealth coverage, one may just pay the PhilHealth portion of the hospital bill before discharge.

To purchase the product you can visit the store Lazada.

6. The MediCard RxER Virtual Health

MediCard RxER Virtual Health


Product Description:
  • Good for one year
  • No age limits
  • No pre-acceptance medical exam required
  • A free unlimited check-up with select MediCard doctors in any MediCard free-standing clinic
  • Free dental consultations in any MediCard free-standing clinic
  • 30% discount on labs & diagnostics, surgeries, and dental procedures in any MediCard free-standing clinic and on procedures at MediCard Skin & Body clinics
  • Free one-time oral prophylaxis (simple teeth cleaning) in any MediCard free-standing clinic
  • Annual Physical Exam (A.P.E.) in any MediCard free-standing clinic
  • Coverage of up to P20,000 on select emergency cases (trauma, animal bites, burns and accidental chemical poisoning) in any MediCard-accredited hospitals nationwide.
  • Cardholders can access the MediCard Telemed (as a value-added service) via the MACE app but for GP or General Practitioner consultations only.
  • If an order was placed on a weekend, kindly expect the email and application form to be sent on the next business day.
  • Once paid, you will receive an application form within 24 hours via email which the virtual cardholder needs to print, fill out, sign and send back. After processing, you will receive the virtual card via email which you may print and present to our free-standing clinics/accredited hospitals upon availment.
  • Availability of specialists vary per clinic and may change without prior notice.
  • View Terms and Conditions here https://www.medicardphils.com/online-store/healthcare-plan/rxer#moa_terms_and_conditions

To purchase the product you can visit the store Lazada.


In summary:

There are plenty of available prepaid health cards that you can purchase to protect yourself while building your business or doing a freelancer job. Although these cards are for one-time use only there are HMO prepaid cards that can be purchased and avail multiple times.

When you earned enough on your freelancing journey we advise you at Shoppiverse PH to upgrade your HMO plan to a regular one. Because a regular plan HMO has better benefits and a higher amount of coverage. 


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