What is the 1COOP HEALTH Annual Premium Plan?
A licensed cooperative HMO plan for OIC members.
The 1COOP HEALTH Plan is administered by the Cooperative Health Management Federation (CHMF), the first duly licensed cooperative Health Maintenance Organization (HMO) in the Philippines. CHMF is regulated by the Insurance Commission (IC) and governed by the Cooperative Development Authority (CDA).
The plan is designed for members, BODs, officers, committees, and employees of OIC and other member cooperatives, plus their qualified dependents — providing outpatient, inpatient, emergency, dental, and other health coverage nationwide through CHMF’s accredited provider network.
Enrollees can be covered from 1 to 75 years old, with premiums and benefit limits varying by plan type (Ward, Semi-Private, or Private) and age bracket.
Comprehensive Member Protection
Coverage designed for real-life health needs — preventive care, outpatient, inpatient, emergency, dental, and telemedicine bundled into one accessible cooperative HMO plan.
Nationwide Provider Network
As of April 2026, CHMF has 1,532 accredited providers nationwide — 422 hospitals, 879 clinics, and 231 dental clinics across Luzon, Visayas, and Mindanao.
Plan Benefits
Core protections included under the 1COOP HEALTH Annual Premium Plan. Telemedicine (teleconsults, video consults, e-prescriptions, e-referrals, e-lab requests) and a special COVID-19 benefit (Php 10,000/year, subject to per-case sub-limits) are also included.
Preventive Care
Annual Physical Exam including CBC, urinalysis, fecalysis, chest X-ray, and physical examination — available once your premium payment is confirmed by your branch.
Core Benefit
Outpatient Consultations & Labs
Medical consultations, laboratory and diagnostic tests, and minor procedures done inside the doctor’s clinic or OPD, up to the plan’s Maximum Benefit Limit.
Health Coverage
Emergency Treatment
24/7 coverage nationwide for emergency cases (accidents, animal bites, burns, cuts, poisoning, gunshot wounds) at accredited providers, with reimbursement available for non-accredited facilities.
24/7 Coverage
In-Patient Confinement
Covers doctors’ fees, room accommodation, medicines, laboratories, and diagnostics during confinement, net of PhilHealth, up to the plan’s Maximum Benefit Limit.
Hospitalization
Dental Coverage
Simple tooth extraction, temporary filling, permanent filling, and oral prophylaxis at accredited dental clinics. Not covered for members aged 66–75.
Dental Benefit
Financial Assistance
Php 10,000 for natural death and Php 20,000 for accidental death, paid to beneficiaries. Contestable for one year from enrollment for dreaded, terminal, or chronic diseases.
Death Benefit
Eligibility & Availment
Who can be enrolled, and how to avail of your 1COOP HEALTH benefits.
Who is Eligible?
The 1COOP HEALTH Plan is open to:
- Members, BODs, Officers, Committees, and Employees of the member cooperative
- Qualified dependents who are full-fledged members
- Enrollees aged 1 to 75 years old
Important: Preventive (Annual Physical Exam) benefits can only be availed once the member’s premium payment has been confirmed by their branch as included in the monthly remittance.
How to Avail (Accredited Provider)
1Proceed to an Accredited Provider — walk in or set an appointment with the accredited doctor or laboratory department.
2Proceed to the HMO Department — present your 1COOPHealth card and one valid ID.
31COOPHealth Approval — the HMO department reviews and approves the request.
4Availment — receive the approved consultation, laboratory, or treatment service.
Exclusions
These exclusions should not in any way prevent any member from undergoing whatever treatment or procedures deemed necessary by the attending physician.
Mental & Behavioral
Mental disorders and psychiatric care are not covered, lifetime.
Substance & Self-Harm
Abuse of intoxicants, self-injury or attempted suicide, and pregnancy/maternity-related cases are not covered, lifetime.
Long-Term & Equipment
Rehabilitation treatment, purchase of durable equipment, and long-term care are not covered, lifetime.
Dreaded Diseases (neurological diseases, blood dyscrasias, collagen/immunologic disorders, cirrhosis of the liver, chronic pulmonary and cardiovascular diseases, any condition requiring ICU, or accidental injuries/burns) are covered up to the plan’s Maximum Benefit Limit, subject to a contestability period. For members aged 66–75, dreaded disease coverage is capped at Php 5,000/year. Aneurysms, angiography, brain surgery, open heart surgery, chronic renal disease, cancer, and blood dyscrasia receive special OIC coverage at 50% of the remaining MBL.
Frequently Asked Questions
Common questions about the 1COOP HEALTH Annual Premium Plan.
Who can enroll in the 1COOP HEALTH Plan?
Members, BODs, officers, committees, and employees of the member cooperative, aged 1 to 75 years old, are eligible. Qualified dependents who are full-fledged members may also be included.
What is covered under hospitalization (in-patient confinement)?
Confinement is covered net of PhilHealth, including doctors’ fees, room accommodation, medicines, laboratories, and diagnostics, up to the plan’s Maximum Benefit Limit. The Ward plan caps the first confinement per illness at Php 30,000; Semi-Private and Private are covered up to the full MBL.
Is pregnancy or maternity covered?
No. Pregnancy and maternity-related cases are excluded from coverage, lifetime, along with mental disorders/psychiatric care, self-injury or attempted suicide, abuse of intoxicants, rehabilitation treatment, purchase of durable equipment, and long-term care.
Do I have access to the Top 6 Major Hospitals?
The premium rates shown on this page are for the plan option without access to the Top 6 Major Hospitals (Asian Hospital, Cardinal Santos Medical Center, Makati Medical Center, St. Luke’s Medical Center – QC and BGC, and The Medical City) and their associated clinics and Healthway Clinics. Check with your cooperative for availability of the plan option that includes these hospitals.
How do I avail of emergency treatment at a non-accredited hospital?
Proceed to the nearest hospital’s Emergency Room, secure the necessary documents during your visit, and file for reimbursement afterward. Emergency care is available 24/7 nationwide, either directly at accredited providers or via reimbursement at non-accredited hospitals and facilities.
What happens if my cooperative’s remittance isn’t confirmed?
Preventive benefits (like the Annual Physical Exam) can only be availed once your branch confirms your premium is included in the monthly remittance. Contact your cooperative branch to verify your enrollment and payment status before scheduling.