How to Avail an HMO for Freelancers in the Philippines (2025 Guide)

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Being a freelancer in the Philippines offers freedom and flexibility, but it also comes with challenges, like securing healthcare without a corporate plan. Thankfully, health maintenance organizations (HMOs) provide insurance plans that can protect you from costly medical emergencies.

This article will explain what an HMO is, what it covers, why it’s essential for freelancers, what to look for in a plan, and how to avail an HMO for self-employed workers. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

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What is an HMO?

HMOs offer health insurance coverage that provides comprehensive medical services through a network of accredited doctors, clinics, and hospitals. Members pay a fixed monthly or yearly premium and can access covered healthcare services, usually with minimal out-of-pocket costs, as long as they use providers within the HMO network.

What does an HMO cover?

Every HMO plan is different, but most cover¹:

• Consultations: Access to general practitioners and specialists
• Hospitalization: Coverage for hospital stays, surgeries, and emergency care
• Laboratory tests: Routine blood work, imaging, and other diagnostic procedures are typically included or discounted for members
• Preventative services: This includes things like annual physical examinations and immunizations
• Dental care: Some HMO plans cover dental care for an additional cost

Why is it essential for a freelancer?

Medical emergencies in the Philippines can be costly. A single hospitalization can range from tens of thousands to hundreds of thousands of pesos, particularly if specialized care or surgery is needed.²

Choosing the best HMO for freelancers ensures you have a safety net that protects your finances and health.

What to look for when choosing an HMO

If you’re wondering what is the best HMO in the Philippines, there’s not one definite answer. It depends on your needs and budget, but here are some features to compare when choosing an HMO.

Coverage and benefits

Consider your healthcare needs and determine whether the HMO plan suits them. For example, if you attend therapy or counseling, you may want to find a plan that covers mental health services.

And, if you have a pre-existing condition, you’ll likely want coverage for it. Unfortunately, most HMOs impose a waiting period of 1 to 2 years before your pre-existing condition is covered.³ You may also have to pay a higher premium for this coverage. If you do have a pre-existing condition, make sure you read each HMO’s policy carefully to determine what coverage you’d get for it and when.

Network of hospitals and clinics

The top HMOs in the Philippines all have their own network of accredited hospitals and clinics. Try to find an HMO that works with facilities near your home or work. Otherwise, you may have to go to and pay for an out-of-network facility in an emergency.

Annual benefit limit (ABL)

The annual benefit limit is the maximum amount the HMO will pay per year. If you exceed the ABL, you’ll have to cover the extra costs yourself. The best HMO for freelancers typically offers higher limits for more comprehensive protection.

Plan costs and payment options

Costs vary depending on coverage, age, and provider. You can typically request a free quote with your particulars to make an informed decision.

Be sure to look at the different payment options as well, as monthly, quarterly, and annual payment plans are all common.

Additional services and flexibility

Many of the best HMOs for freelancers offer teleconsultation, online appointments, and remote monitoring. This is especially useful for freelancers with irregular schedules or those who live far from healthcare facilities.

How to avail HMO for self-employed workers: Step-by-step guide

If you’re wondering how to avail an HMO for self-employed workers, the process is simple. Here’s a step-by-step guide to help you secure the best HMO for freelancers.

1. Assess your needs and budget

Before you can choose an HMO, you need to assess your personal healthcare needs and budget. Consider how frequently you visit doctors, whether you need coverage for dependents, and how much you’re willing to pay for a plan on a monthly, quarterly, or annual basis.

If you’re not sure how much coverage you’ll need, some HMOs let you upgrade to a higher tier mid-year so you don’t have to pay out-of-pocket for additional healthcare services.

2. Research and compare providers

Now that you have a clear idea of your needs, you can start researching and comparing different HMO providers. Here are some of the top HMOs in the Philippines:

• iCare
• Maxicare Healthcare Corporation
• MediCard Philippines
• Intellicare
• PhilCare
• Pacific Cross Healthcare
• ValuCare

To choose an HMO, look into what their plans cover, their network of accredited hospitals and clinics, their Annual Benefit Limit, and the cost of each plan.

Consider reading online reviews for each provider as well to identify the best HMO for freelancers.

HMOs typically offer multiple insurance plans with different coverage, so ensure you peruse them all before looking into another HMO.

3. Prepare the required documents

Once you’ve chosen an HMO, you can apply for your plan online or in person if there’s a branch near you. Make sure you have the necessary documents for a smooth application process. You may need:

• A valid government-issued ID, such as a passport, driver’s licence, or PRC ID
• Proof of address, like utility bills or a barangay certification
• Proof of income or freelance work, which can include bank statements or client contracts
• The completed HMO application form
• Proof of relationship if you’re applying for dependents as well
• A completed health declaration form disclosing any pre-existing conditions

If you have pre-existing conditions, HMOs may request medical records or a physical examination as well before approving you.

4. Submit your application and pay

After collecting all the required documents, submit your application to your chosen HMO. Once your application is approved, you can pay for your plan using a credit card, bank transfer, or online payment.

You’ll then receive a membership card or digital ID, giving you access to the HMO’s services at its network of healthcare institutions. Take time to familiarize yourself with the covered services, accredited facilities, and the process for claims and reimbursements to ensure you’re getting the most out of your plan.

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