IC licensedHMO
Carewell hotline, claims and licence
Carewell Health Systems, Inc. is an HMO (health maintenance organization).
Licensed. Certificate of Authority no. HMO-2026-19-R.IC HMO list dated Aug 31, 2026.
- Telephone Numbers (24/7) - Sun09257204819
- Telephone Numbers (24/7)09171875579
- Telephone Numbers (24/7)09171197098
Carewell hotline and claims
| Telephone Numbers (24/7) - Globe | 09175387499 |
|---|---|
| Telephone Numbers (24/7) - Globe | 09178107591 |
| sales.cw0902@gmail.com |
From Carewell's contact page.
- Claim refused or unpaid: the Insurance Commission regulates Carewell and sets the rules for adjudicating HMO claims, so the complaint goes to the IC.EO 192 sec. 4(a)
- If the HMO fails: the IC can appoint a conservator, receiver or liquidator to protect members.EO 192 sec. 4(e), 4(i)
Complaints
- Write to Carewell first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
Carewell products and plans
- Preventive Healthcare
- Outpatient Consultation
- Emergency Care Treatment
- Hospital Confinement
- Dental Care
Company details
- Licensed company
- Carewell Health Systems, Inc.
- Certificate of Authority
- HMO-2026-19-R
- Official website
- carewellhealthsystems.com
- Licensed for: prepaid health care plans: agreed health services for enrolled members, for a fixed fee paid in advance for a set period.EO 192 sec. 2
- Licence: every HMO needs a licence to operate from the Insurance Commission, which issues, renews, suspends and revokes HMO certificates.EO 192 sec. 4(b), 5
- Not an insurer: life insurance comes from a company on the life list, under a different licence.
How tax applies to the plan
- Premiums you pay: employees on pure compensation income cannot deduct HMO or health insurance premiums. Since TRAIN, Sec. 34 allows them no deductions, and the old ₱2,400 health premium deduction is gone. Self-employed people and businesses work under the business-expense rules instead. See health insurance for the self-employed.NIRC Sec. 34 as amended by RA 10963, from Jan 1, 2018
- Worked example: an employee on salary only pays ₱15,000 a year for a family HMO plan. Deduction allowed on the income tax return: ₱0, so taxable income stays the same (Sec. 34 as amended by TRAIN).
Before you sign or pay
- Match the company and number. Your contract should name Carewell Health Systems, Inc. and the licence number shown at the top of this page.
- Ask for the seller's IC licence. Ask which HMO they represent and confirm it with Carewell.
- Pay Carewell Health Systems, not a person. Keep the official receipts issued in Carewell Health Systems's name.
Questions
Is Carewell legit?
Yes. Carewell Health Systems, Inc. is licensed by the Insurance Commission (licence HMO-2026-19-R). A genuine contract names Carewell Health Systems, Inc. and that number.
What is the Carewell hotline?
09257204819 (Telephone Numbers (24/7) - Sun), or 09171875579, as printed on carewellhealthsystems.com.
Which hospitals accept Carewell?
Carewell keeps its list of accredited hospitals and clinics on its own site, carewellhealthsystems.com. Check it before a planned visit, because networks change.