Optimum hotline, claims and licence
Optimum Medical And Healthcare Services Inc. is an HMO (health maintenance organization).
Licensed. Certificate of Authority no. HMO-2026-20-R.IC HMO list dated Aug 31, 2026. Its 2025 revenue of ₱1.3 million was the 27th highest of 27 HMOs in IC statistics. Of every peso of revenue in 2025 it paid 48 centavos in members' health care and claims (₱0.6 million ÷ ₱1.3 million, IC HMO statistics).
- Contact Us+63 928 503 9946
Optimum hotline and claims
| info@optimumhmo.ph |
From Optimum's contact page.
- Claim refused or unpaid: the Insurance Commission regulates Optimum 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 Optimum 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.
Optimum products and plans
- For Individuals
- For Families
- For Corporate Businesses
IC records
| Revenue, 2025 (IC) | ₱1.3 million, 27th of 27 |
|---|---|
| Health care benefits and claims, 2025 | ₱0.6 million |
Company details
- Licensed company
- Optimum Medical And Healthcare Services Inc.
- Certificate of Authority
- HMO-2026-20-R
- Official website
- optimumhmo.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 Optimum Medical And Healthcare Services 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 Optimum.
- Pay Optimum Medical And Healthcare Services, not a person. Keep the official receipts issued in Optimum Medical And Healthcare Services's name.
Questions
Is Optimum legit?
Yes. Optimum Medical And Healthcare Services Inc. is licensed by the Insurance Commission (licence HMO-2026-20-R). A genuine contract names Optimum Medical And Healthcare Services Inc. and that number.
What is the Optimum hotline?
+63 928 503 9946 (Contact Us), as printed on optimumhmo.ph.
Which hospitals accept Optimum?
Optimum keeps its list of accredited hospitals and clinics on its own site, optimumhmo.ph. Check it before a planned visit, because networks change.