Health & HMO Cover

Walk into Chong Hua, Cebu Doctors' Hospital, UCMed or any of 1,200+ accredited hospitals nationwide — no deposit, no cash needed. Your FUL health plan covers the bill directly.

Cashless hospital admission
Annual physical & lab cover
Critical illness lump sum
Dependents & maid coverage

1,200+

Accredited hospitals nationwide

Cebu network hospitals

100%

Cashless admissions (covered cases)

4 providers

Compared for your profile

Starting from

₱950

/month indicative

Coverage up to

₱2,000,000

Eligible: 0–65 years old (renewal to 75)

Get a free quote WhatsApp advisor

Free advice · No obligation · IC-licensed advisors

Plans & pricing

Choose the right level of cover

FUL will compare across all our insurer partners to find the best price for the plan you choose.

Selected: Basic Health — ₱950/month · ₱10,800/year

Get a quote for Basic Health

* Indicative premiums for a 35-year-old individual. Family plans add per-dependent rates. Premiums adjust at renewal based on age band.

What's covered

Included & excluded — no surprises

In-patient hospitalization

Room, board & doctor fees

Covered

Emergency room

24/7 any accredited ER

Covered

Annual physical & lab tests

Once per year

Covered

Outpatient consultations

Standard & premium plans

Covered

Critical illness lump sum

Cancer, stroke, heart attack + 30 more

Covered

Maternity (optional rider)

Normal & CS delivery

Covered

Dental (optional add-on)

Cleaning, extraction, fillings

Covered

Pre-existing conditions (first 12 months)

Covered after 12-month waiting period

Not covered

Cosmetic procedures

Not covered

Experimental treatments

Not covered

Getting covered

How the process works

Share your health profile

Age, existing conditions (if any), whether you want to add dependents. Takes 5 minutes — no medical exam for most applicants under 55.

Receive 3 quoted options

We send a comparison of Basic, Standard and Premium plans across our partner HMOs with exact monthly costs for your specific profile.

Choose & apply online

Select your plan, complete the health declaration online, and upload one valid ID. No in-person visit needed.

Get your card & start using

HMO card arrives within 7 days. Show it at any accredited hospital front desk — no deposit, no cash needed for covered conditions.

Start now on WhatsApp

Why choose FUL

We compare HMO plans from AXA, FWD, Etiqa and Pru Life UK to find the right combination of room rate, annual benefit limit, and outpatient coverage for your budget. Unlike employer HMOs, your individual plan follows you for life.

Why choose this plan?

No more cash-on-admission

Show your card at Chong Hua, Cebu Doctors' or UCMed — we handle the rest.

Outpatient included

Consultations, diagnostics and emergency care without separate receipts.

Critical illness

A cash lump sum on diagnosis of cancer, stroke, heart attack and 30+ conditions.

We compare plans from these insurers for you

Pru Life UK

AXA Philippines

FWD Insurance

Etiqa

Top accredited hospitals in Cebu

Chong Hua Hospital — Fuente

Chong Hua Hospital — Mindanao Ave

Cebu Doctors' University Hospital

UC Med Center (Banilad)

Vicente Sotto Memorial Medical Center

Perpetual Succour Hospital

St. Vincent's General Hospital

Cebu South Medical Center

Mactan Doctors' Hospital (Lapu-Lapu)

Documents you'll need

Valid government ID
Health declaration form
Dependent birth certificates (if adding family)

Frequently asked questions

What clients say

4.9 · 380+ reviews

Anna Lou Perez

Cebu City

1 week ago

“Na-admit ako sa Chong Hua and the cashless process was seamless. FUL's advisor even followed up while I was confined. Worth every peso. Highly recommend!”

via Google · Grace Villamor

Luz Villanueva

Cebu City

3 months ago

“Grace is so knowledgeable and explains everything in simple terms. Got individual health cover for my whole family. Claims have been smooth. 10/10!”

via Google · Grace Villamor

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