HC&D hotline, claims and licence
HC&D is the brand of Health Care and Development Corporation of the Philippines, an HMO (health maintenance organization).
Licensed. Certificate of Authority no. HMO-2024-04-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱41.1 million was the 24th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 76 centavos in members' health care and claims (₱31.3 million ÷ ₱41.1 million, IC HMO statistics).
- Direct Line(+632) 8871-3014
- Trunk Line(+632) 8877-2582
- Mobile Number(+63) 915-614-6350
HC&D hotline and claims
| info@hcd.com.ph |
From HC&D's contact page.
- Claim refused or unpaid: the Insurance Commission regulates HC&D 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 HC&D 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.
HC&D products and plans
- Individual and Family
- Corporate / Group
- ER Plus
IC records
| Revenue, 2025 (IC) | ₱41.1 million, 24th of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱31.3 million |
Company details
- Brand
- HC&D
- Licensed company
- Health Care and Development Corporation of the Philippines
- Certificate of Authority
- HMO-2024-04-R
- Official website
- hcd.com.ph
- 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 Health Care and Development Corporation of the Philippines, not only the HC&D brand, 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 HC&D.
- Pay Health Care and Development of the Philippines, not a person. Keep the official receipts issued in Health Care and Development of the Philippines's name.
Questions
Is HC&D legit?
Yes. Health Care and Development Corporation of the Philippines is licensed by the Insurance Commission (licence HMO-2024-04-R). A genuine contract names Health Care and Development Corporation of the Philippines and that number.
What is the HC&D hotline?
(+632) 8871-3014 (Direct Line), or (+632) 8877-2582, as printed on hcd.com.ph.
How do I get a HC&D reimbursement?
HC&D explains reimbursement for services you paid for yourself on hcd.com.ph; follow the page linked in the claims section above.
Which hospitals accept HC&D?
HC&D keeps its list of accredited hospitals and clinics on its own site, hcd.com.ph. Check it before a planned visit, because networks change.