Upgrade Your Healthcare Experience with the Right Coverage
Hospital Bills Can Happen Anytime.
Be Ready.
One confinement can wipe out years of savings. With the right HMO plan, you don’t have to worry about paying everything out of pocket.
A Simple Hospital Stay Can Cost More Than You Expect
➜ Room and Board
➜ Professional Fees
➜ Laboratory Tests
➜ Emergency Treatment
➜ Medicines
Most families are not financially prepared for medical emergencies.
Instead of using your savings or borrowing money, let your HMO handle the hospital bills.
Why Get a MediCard HMO Plan?
Helps manage healthcare costs with predictable annual coverage limits instead of paying out-of-pocket every time.
Provides hospitalization coverage when needed, room & board, surgery, diagnostics, specialist services.
Offers out-patient care including referrals to specialists, regular consultations, and minor procedures.
Includes annual preventive care like Annual Physical Exams (APE) to catch health issues early.
Covers emergency services with cashless access in accredited hospitals.
Includes dental care benefits like exams, tooth extractions, and cleanings.
Removes stress of unexpected medical bills and encourages regular health check-ups.
Whether you're employed, self- employed, or a business owner, there is a plan that fits your budget.
MediCard Standard
Starts at ₱10,739 per year
Get access to quality healthcare services nationwide whether you’re employed, self-employed, or building a family.
What’s Included
➜ 59,000+ accredited doctors
➜ 2,000+ hospitals and clinics nationwide
➜ Confinement and emergency coverage
➜ Outpatient consultations
➜ Annual Physical Exam
➜ Dental benefits
Optional access to leading hospitals such as:
➜ Makati Medical Center
➜ Asian Hospital
➜ Medical Center
➜ St. Luke's Medical Center and more!
Who Can Apply?
Principal Member:
➜ 18–60 years old
➜ Employed or self-employed
Dependents may include:
Spouse, children, parents (for single members), and siblings (for single members).
MediCard VIP
Starts at ₱25,379 per year
With MediCard VIP, you’re covered not just locally, but even while traveling.
Through its partnership with Assist America, members traveling 150 km or more (for less than 90 days) can access:
➜ 24/7 global emergency assistance
➜ Medical consultation and evaluation
➜ Physician referrals
➜ Emergency medical monitoring
➜ Help with hospital admission (reimbursement basis)
➜ Emergency transportation and escort back home, if medically needed
Exclusive VIP Benefits
➜ Access to leading hospitals in the Philippines
➜ Freedom to choose your own doctor
➜ Executive check-up
➜ Coverage for pre-existing conditions
➜ Higher coverage limits
Our Happy Customers
Carla S.
Sales Representative
"As a freelancer, wala talaga akong company HMO before. Lagi akong kinakabahan pag nagkakasakit kasi sariling bulsa lahat. Buti na lang nag-apply ako ng Medicard through Bench. Ang smooth ng process and malinaw lahat ng explanation. Mas kampante na ako ngayon knowing may coverage na ako."
Mark Anthony R.
Business Owner, Rental Property
"Kumuha ako ng Medicard para sa sarili ko and eventually sa staff ko. Super helpful ni Bench from application hanggang approval. Hindi ako pinressure magbayad agad, in-explain muna lahat ng options. Ngayon mas at peace ako kasi may protection kami in case of emergency."
Janelle C.
Virtual Assistant
"Nagkaroon ng emergency before sa family namin and sobrang laki ng hospital bill. Ayoko na maulit yun. Kaya nag-decide ako kumuha ng HMO. Thankful ako kasi very responsive si Bench and mabilis yung process. Worth it talaga magkaroon ng Medicard."
Kevin A.
Freelance IT Professional
"I used to delay getting an HMO because I thought it was complicated. Bench made everything simple and straightforward. When I needed lab tests and consultations, I realized how valuable it is to have MediCard. No stress, no surprise bills. I appreciate that he still checks in even after the approval."
Maria L
Virtual Assistant
Getting a MediCard plan through Benedick was one of the best decisions we made for our family. The application process was smooth, and he explained everything clearly, especially the coverage and limitations. Recently, we had to use it for a hospital visit, and it really helped us avoid a huge out-of-pocket expense. Super grateful for the guidance and after-sales support!
Frequently Asked Questions
How Soon Can I use my MediCard HMO?
If the application was completed within the 11th-25th of the month, your card will be activated on the 1st day of the following month. If the application was completed from 26th-10th day of the month, your card will be activated on the 16th day of the latter month.
Are MediCard plans payable monthly?
Most of our plans are payable one-time (annually).
Do you accept client with pre- exisitng condition?
It depends on the type and severity of the pre-existing condition. Most applications with pre-existing conditions are subject to medical evaluation.
You may submit your application and complete the health questionnaire. Your case will then be assessed by our underwriting team.
After evaluation, you will receive a Statement of Account outlining:
• Approved coverage
• Any exclusions
• Policy limitations (if applicable)
In general, pre-existing conditions are not covered under standard plans. However, under certain VIP plans, partial coverage may be considered, depending on the specific condition and the plan chosen.
Final approval and coverage details will always depend on underwriting assessment.
Where can I find the list of accredited dentists, doctors, clinis/hospitals?
You may visit https://www.medicardphils.com/accredited-providers to search for accredited providers.
What is MediCard GO?
MediCard GO is a free mobile phone app that offers a convenient way to access healthcare services. With MediCard GO, you can search for doctors, book appointments, and request approvals for labs and diagnostics and more, wherever you are. What’s more, MediCard GO is available 24/7, so you can always get the care when you need it.
Do I need to undergo a medical exam to apply for HMO?
For applicants aged 0 to 40 years old, a medical examination is not required.
For applicants 41 years old and above, a medical examination is required as part of the application process.
If I apply for mediCard HMO, do I need to pay right away?
No, payment is not required immediately.
We will first go through the application process, fill out the necessary forms and submit the required documents (such as a valid ID).
Once your application is assessed, you will receive a Statement of Account.
If you’re comfortable with the premium and coverage, you may proceed with payment directly to MediCard to activate your coverage.
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