Forticare hotline, claims and licence
Forticare Health Systems International, Inc. is an HMO (health maintenance organization).
Licensed. Certificate of Authority no. HMO-2025-01-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱41.8 million was the 23rd highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 27 centavos in members' health care and claims (₱11.4 million ÷ ₱41.8 million, IC HMO statistics).
- Trunkline(02) 5314 2273
- Mobile Hotline(0927)223 0304
- LOA and Medical Division(02)53142273 local 114,115
Forticare hotline and claims
| LOA and Medical Division | 0915 654 1701 |
|---|---|
| LOA and Medical Division | 0969 353 1884 |
| Claims Processing and Payment Divison | (02)53142273 local 109 |
| Claims Processing and Payment Divison | 0966 061 5272 |
| Partnership Accreditation Division | (02)53142273 local 107 |
| Partnership Accreditation Division | 0927 743 5328 |
| Billing & Collection Division | (02)53142273 local 112 |
| Billing & Collection Division | 0945 503 1623 |
| customercare.forticare@gmail.com |
From Forticare's contact page.
- Claim refused or unpaid: the Insurance Commission regulates Forticare 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 Forticare 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.
Forticare products and plans
- Comprehensive Healthcare Plan
- Forte Healthcare Plan
- Dengue Forti Protect
- Build Your Own (BYO) Plan
IC records
| Revenue, 2025 (IC) | ₱41.8 million, 23rd of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱11.4 million |
Company details
- Licensed company
- Forticare Health Systems International, Inc.
- Certificate of Authority
- HMO-2025-01-R
- Official website
- forticareph.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 Forticare Health Systems International, 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 Forticare.
- Pay Forticare Health Systems International, not a person. Keep the official receipts issued in Forticare Health Systems International's name.
Questions
Is Forticare legit?
Yes. Forticare Health Systems International, Inc. is licensed by the Insurance Commission (licence HMO-2025-01-R). A genuine contract names Forticare Health Systems International, Inc. and that number.
What is the Forticare hotline?
(02) 5314 2273 (Trunkline), or (0927)223 0304, as printed on forticareph.com.
Which hospitals accept Forticare?
Forticare keeps its list of accredited hospitals and clinics on its own site, forticareph.com. Check it before a planned visit, because networks change.