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Prepaid Health Card Comparison
Compare the best prepaid health cards in the Philippines. All in one place!
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Prepaid Health Cards

Unlike a comprehensive health insurance plan that provides a full set of health services, a prepaid health card allows you to select only those items that you deem important. Much like a voucher, it can be availed in certain places under certain conditions, depending on your provider and type of card. The majority of health cards are valid for one year and can be used only once (unless specifically mentioned).
This also depends on the type of card you avail, as you might want to select a card that is accepted by the 6 Major Hospitals in Metro Manila:
  • Asian Hospital and Medical Center
  • Cardinal Santos Medical Center
  • Makati Medical Center
  • St. Luke's Medical Center Quezon City
  • St. Luke's Medical Center Bonifacio Global City
  • The Medical City
For instance, EReady Platinum can be used at all the 6 Major Hospitals, as well as Maxicare, accredited hospitals. However, the more affordable EReady Titanium from the same HMO can only be used in all Maxicare accredited hospitals but not the 6 Major Hospitals where the Platinum version can be used. This is why it’s important to check the accredited hospitals where the prepaid health cards/eVouchers you have can be used. Also, make sure that your chosen card/eVoucher is authorized as it is a requirement in availing its benefits.
Prepaid health cards offer an easy and reliable way to deal with the difficulty of predicting which comprehensive health insurance plan would fit you best. Health cards can be an asset for individuals or even business owners who want to provide an affordable yet reliable health plan to their household or firm. The services that each health card offers can be very different from one another and that gives you the flexibility to choose whichever option fits your needs. Further, many providers give you access to a large number of accredited hospitals, while some cards are even accepted at the 6 Major Hospitals! Lastly, prepaid health cards do not require a medical examination and an individual can own more than one. That makes it a valuable item that can be easily purchased and given as an affordable but effective gift.
Naturally, like most voucher systems, once availed a health card is no longer possible to use (unless specifically mentioned). Another disadvantage can be that the medical treatment exceeds the premium covered by the health card. In such situations, you have to cover the extra costs by yourself. Moreover, you need to carefully familiarize yourself with the in- and out-patient procedures covered by the card as some treatments might not be included. In those cases, we recommend exploring options that match the benefits you're looking for.
Comprehensive health insurance plans are the safe option when it comes to securing your well-being. Most plans are inclusive of many services and treatments some of which we hope you never have to use. Health insurance done this way gives you a coverage of Emergencies, Hospitalization, Preventive care, and most of the times - life insurance. The downside is that it can be costly and requires all candidates for the chosen plan to meet the age requirements, comply with the provider guidelines as well as submit a number of documents. Further, the need for comprehensive or life insurance varies from person to person.
Health cards, on the other hand, can be picked depending on your needs be it Emergency, Hospitalization or Preventive care. These voucher-type cards do not have as strict requirements as the comprehensive plans (although most have age limits) and can be easily purchased and registered online. You can also choose from various modes of payments for your prepaid health card. Among the payment options available are:
  • Bank Deposit
  • Over-the-Counter Payment Center
  • Paypal
  • Credit Card
Pick-up and delivery options include dropping by the office of your chosen HMO to pick it up and door-to-door delivery. Some prepaid health cards come in e-vouchers or e-pins format, which are sent via email.
Once you purchase the card, whether online or at one of the locations specified by the provider, you are required to register the card. You won’t have to fulfill medical requirements before the card is issued to you and you can easily activate it online or through text message. Until registered, the card is invalid and inactive which means you can't use it in any of the accredited locations. Once the card becomes active you are now free to use it in the upcoming year, as most prepaid health cards expire after one year. In the undesirable event that you require hospitalization or access to emergency services, you can use your prepaid health card to cover the costs of the treatments, up to the amount and services indicated on the card.

Once more, depending on the card itself, you can be placed in a ward, semi-private or regular private room if hospitalized. Most cards will become invalid after being used once, in which case you should obtain another one or get a comprehensive plan to ensure your health is taken care of. Finally, there are some cards that offer coverage for accidental death and some cards even offer life insurance.
There are three major types of prepaid health cards classified according to purpose: emergency care, hospitalization, and consultation.
  • Emergency care - this offers coverage for accidents and illnesses.
  • Hospitalization – this type of prepaid health card offers immediate access to hospital treatments, room and board, and medicines during confinement.
  • Consultations – this covers outpatient medical consultation for health monitoring.
Some providers offer several types of cards while others focus exclusively on one type. The top companies offering prepaid health cards are:
  • Maxicare
  • Medicard
  • PhilCare
  • PNB
Once you have already registered and activated the card, it can no longer be transferred. However, if you haven’t registered, activated, or used it yet then you can still give it as a gift or allow another person to use it. You just need to make sure the person who will eventually be using the card meets the requirements.

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