Do you currently have a health condition? Do not worry as there are HMO health plans with medical condition coverage. Even with a disease, medical condition or illness, you can still apply for an HMO package to help you with your expenses.
List of HMOs
In the Philippines, the are HMOs that accept members even if they don’t have optimum health status. Many of these known health card providers accept members even if they have a health problem prior to enrollment.
Cocolife Healthcare
Cocolife healthcare is among the more prominent HMO providers in the country. They offer a good network of care providers where you can avail their services. If you currently have a medical condition, you may inquire about the coverage that is best for your needs.
Medical conditions that are not covered will be indicated in your Cocolife Health Access Card.
Look: List of Pre-Existing Conditions of Cocolife
Maxicare
Maxicare’s Prima Gold is one of the best options. For a one time payment, you will be covered for the whole year. It is also ideal for seniors who may need medical services more frequently. Up to 800 lab tests and diagnostics are covered with unlimited sessions.
The following are considered pre-existing conditions according to the company.
- Hernias
- Cancer / Tumor / Neoplasms
- Endometriosis
- Hemorrhoids
- Ear-Nose-Throat conditions requiring surgery
- Hyphothyrodism / Hyperthyrodism / Goiter
- Cataracts / Glaucoma
- Epilepsy
- Asthma
- Cirrhosis of the Liver
- Tuberculosis
- Anal fistulae
- Cholecystitis / Cholelelithiasis
- Calculi of the urinary system
- Gastric / Duodenal Ulcer
- Hallux Valgus
- Diabetes Mellitus
- Hypertension
- Collagen diseases
- Cardiovascular diseases
Intellicare
Intellicare offers one of the best health card benefits in the industry. You may select from their product offers based on your health plan needs. Inquire about the customized plan today. There may be a waiver for the first year waiting period depending on the agreement with the corporate account employer.
Look: Doctors Consultation Online
Some examples of medical conditions that one needs to verify inclusion in the plan:
- hypertension
- goiter
- cataract
- tumor
- cyst
- arthritis
- diabetes
- cancer
Posted details on this page may be changed without notice.
Caritas Health
Other HMOs may offer packages for patients subject to their terms. According to Caritas, they may accept an individual for membership subject to these conditions:
- Provide the Medical Expense Benefits for an existing illness or injury only after the first year
- The same is true only after the second year of membership if it involves a major surgery.
- Impose a “Waiver of Coverage” of the member.
You may inquire from them directly for clarifications about certain medical conditions.
East West
Covers from day 1 of enrollment for companies with more than 100 employees.
Almost all HMO companies may accept health problems in their coverage. However, they will compute the appropriate premium payments based on the condition that the patient has before applying for a plan.
Types of Health Problems
Among the health card companies, the following may be regarded as pre-existing conditions:
See: Top HMOs in the Philippines
- Hypertension or high blood pressure
- Tumor
- Cancer
- Diabetes
- Goiter
- Cataract
- Cyst
- Arthritis
These are just some of them but HMO companies in the Philippines will have a separate list.
What is Pre-Existing Condition?
It is regarded as a health problem that the member may have before applying for a health card. Usually, these are diseases that may take a lifetime of treatment.
Not all HMO companies may offer coverage for such conditions. However, one option is to look for a health insurance that can cover your health problems. It is usually more expensive but has more benefits.
Monthly Payment Rates
The payment may range from 1,500 pesos to 3,800 pesos per month for HMOs that allow such arrangement. However, this is only an estimate price since different HMO have varying rates for a specific disease or illness.
Last Updated on May 5, 2024 by Medical Pinas
About the Author: MedicalPinas has several years of experience in publishing articles to help Filipinos find medical services and their prices. It strives to provide the most accurate info available through extensive research. Info may change without notice. This site is not affiliated with any of the mentioned brands/companies and does not represent the same.
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