DEPED MEDICAL ALLOWANCE RECOMMENDED HMOOverall Best Value (Most Complete Coverage)

Here’s a clear, balanced recommendation based only on what’s shown in the table, depending on what you value most. Since “best” depends on your priorities, I’ll break it down so you can choose confidently.

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⭐ Overall Best Value (Most Complete Coverage)

KAISER – National Healthcare Shield (₱7,000/year)

Why it stands out:

• ✔ Highest limit amount: ₱75,000
• ✔ Multiple-use (not one-time)
• ✔ Semi-private room
• ✔ With major hospitals
• ✔ Covers outpatient, inpatient & emergency
• ✔ Includes dental
• ✔ Includes life insurance & accidental death
• ✔ Annual physical exam included

Best for: People who want the most complete coverage on a budget and prefer multi-use benefits.

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💰 Best Budget Option (Lowest Cost With ER Coverage)

Philcare – ER Vantage Plus (₱1,750/year)

Why it’s great:

• ✔ Cheapest plan on the list
• ✔ ER benefits for viral, bacterial & accidental
• ✔ Regular private room (rare for the price)
• ✔ Up to ₱80,000 ABL
• ✔ Has life insurance coverage (₱50,000 accidental)

Best for: People who mainly want emergency coverage only at the lowest cost.

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🏥 Best If You Want ER + Major Hospitals + Good Limits

iCare – Lifesaver+ (₱6,999/year)

Why it's strong:

• ✔ Access to major hospitals
• ✔ Inpatient + ER covered
• ✔ Good limit of ₱50,000
• ✔ Private room
• ✔ Accidental death benefit ₱50,000

Best for: Users who want private room + ER + major hospitals but want a cheaper alternative to Kaiser.

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👨‍⚕️ Best for Emergency-Only Needs (Fast ER Use)

Maxicare – EReady / Lifesaver ER (₱2,299/year)

Why:

• ✔ ER-only but very reliable
• ✔ With major hospitals
• ✔ Good for one-time ER use
• ✔ Strong reputation for hospital acceptance

Best for: People who want pure ER coverage without outpatient or inpatient needs.

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🦷 Best for Physical Exam + Clean Basic Coverage

Medicare – RxER (₱2,378/year)

Why:

• ✔ Includes annual physical exam (Basic 5)
• ✔ ER-only plan
• ✔ Affordable
• ✔ Good if you need yearly checkups

Best for: People who prioritize PE + ER at low cost.

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🏆 Which is the BEST overall?

If you want a single recommendation:

👉 Best All-Around HMO = KAISER (₱7,000)
It’s the only plan that provides complete coverage (OPD + IPD + ER + Dental + APE + Life Insurance) with multiple-use limits.

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