Through GInsure, GCash and KwikCare’s digital-first HMO coverage offers a flexible monthly subscription straight from the GCash app, starting at only Php995/month
To help Filipinos stay protected from unforeseen medical costs and access affordable, quality healthcare, GCash and KwikCare are partnering to offer the first health maintenance organization (HMO) coverage directly available from the GCash app.
For millions of Filipinos, quality healthcare remains a luxury out of reach, leaving families highly vulnerable to unexpected medical crises. Recent data highlights a stark reality: 64% of Filipino families cannot afford a ₱10,000 hospital bill without falling into debt¹, while 30% of households live on the brink of financial distress with sudden health shocks acting as a major driver of this vulnerability². This challenge is most especially felt among MSME workers, gig economy freelancers, and part-time earners who lack traditional corporate HMO benefits, leaving them just “one sickness away from poverty.”
To break this cycle, democratizing healthcare is critical. By making health coverage proactive, affordable, and accessible at the grassroots level, Filipino breadwinners can protect both their health and their hard-earned financial stability.
GCash, through its in-app insurance platform GInsure, has partnered with KwikCare to offer digital-first HMO coverage through a flexible monthly subscription. The offering does not require large upfront costs, long-term commitments, or complicated paperwork. Users can sign up in minutes, making healthcare coverage easily accessible.
Through GInsure, KwikCare offers monthly HMO plans designed to make healthcare coverage more adaptable to different needs and circumstances. Starting at ₱995 per month, the service provides access to inpatient, outpatient, emergency, and laboratory services, along with cashless access to more than 2,000 accredited healthcare providers nationwide, and benefits of up to ₱350,000, with additional personal accident coverage of up to ₱1 million. Moreover, the offering also allows users to add their family members.
“Filipinos deserve the peace of mind that comes with reliable health coverage. When breadwinners and their families can better access essential health services as well as manage unexpected medical emergencies without worrying about the costs, we’re protecting not just their health, but their financial future,” shared Winsley Bangit, group head of new business at Mynt, the parent company of GCash.
“Our mission has always been to make quality healthcare more accessible to every Filipino. Through our partnership with GCash, we’re bringing reliable HMO coverage closer to millions by making it available through a platform they already use every day,” emphasized Hamilton Angluben, chief executive officer of KwikCare. “We believe digital distribution is one of the most powerful ways to expand healthcare access and help more families protect both their health and their financial future.”
To get affordable HMO on GCash, open the app, head to “GInsure” and tap “HMO” in the Marketplace section.
As more Filipinos turn to digital platforms to manage their everyday finances, GCash and KwikCare are making health protection just as accessible. Through GInsure, the partnership empowers Filipinos to conveniently manage their health coverage, protect their savings from unforeseen medical costs, and navigate their healthcare needs with greater confidence. For more information, visit https://www.gcash.com.
