Cherry De Vega, Bookkeeping and Compliance ReviewerReviewed by Cherry De Vega, Bookkeeping and Compliance Reviewer
IC licensedHMO

HPPI hotline, claims and licence

HPPI is the brand of Health Plan Philippines, Inc., an HMO (health maintenance organization).

Licensed. Certificate of Authority no. HMO-2026-04-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱294.2 million was the 16th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 79 centavos in members' health care and claims (₱232.4 million ÷ ₱294.2 million, IC HMO statistics).

HPPI hotline and claims

From HPPI's contact page.

  • Claim refused or unpaid: the Insurance Commission regulates HPPI 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

  1. Write to HPPI first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
  2. 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.
  3. Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.

IC records

Revenue, 2025 (IC)₱294.2 million, 16th of 27
Health care benefits and claims, 2025₱232.4 million

Company details

Brand
HPPI
Licensed company
Health Plan Philippines, Inc.
Certificate of Authority
HMO-2026-04-R
Official website
hppi.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

  1. Match the company and number. Your contract should name Health Plan Philippines, Inc., not only the HPPI brand, and the licence number shown at the top of this page.
  2. Ask for the seller's IC licence. Ask which HMO they represent and confirm it with HPPI.
  3. Pay Health Plan Philippines, not a person. Keep the official receipts issued in Health Plan Philippines's name.

Questions

Is HPPI legit?

Yes. Health Plan Philippines, Inc. is licensed by the Insurance Commission (licence HMO-2026-04-R). A genuine contract names Health Plan Philippines, Inc. and that number.

What is the HPPI hotline?

1-800-1550-0067 (Patient Hotline), or +63 2 8248 3822, as printed on hppi.com.ph.

Which hospitals accept HPPI?

HPPI keeps its list of accredited hospitals and clinics on its own site, hppi.com.ph. Check it before a planned visit, because networks change.

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