PhilCare pioneers automated health underwriting with Verisk's Risk Rating Tool

February 3, 2026 / 2 min read

Doctor_Client_blog_main

Getting health insurance shouldn’t feel like a long test of patience, especially for Filipinos with pre-existing conditions.

PhilCare, one of the country’s leading Health Maintenance Organizations (HMOs), has partnered with global medical risk rating leader Verisk Life, Health and Travel to bring automated health underwriting to its online insurance applications, making PhilCare the first HMO in the Philippines to do so at scale.

Through Verisk’s Health Risk Rating Tool, PhilCare can now assess health risks instantly based on lifestyle and medical information provided during application. This allows customers to receive faster decisions, clearer pricing, and access to coverage that was previously difficult, or impossible, to secure.

For customers, this means:

No long waits for underwriting results
No guesswork in pricing
Greater inclusion for those with multiple pre-existing conditions

“Healthcare decisions shouldn’t feel complicated or uncertain,” said Jaeger Tanco, President & CEO of PhilCare. “Through our partnership with Verisk, we’re removing friction from the insurance journey - making health coverage faster, fairer, and more accessible. This is how we’re building a truly digital-first PhilCare.”

Historically, health insurance underwriting in the Philippines has relied heavily on manual reviews, slowing down applications and limiting access for many Filipinos. Verisk’s technology changes this by delivering instant, clinically robust risk assessments. Verisk’s Risk Rating Tool is already trusted by insurers worldwide, performing over 40 million medical risk ratings annually.

According to Abigail Garcia Lising, Head of Business Development at PhilCare, the partnership also ensures long-term stability for customers. “This technology allows us to grow responsibly. We can expand coverage while maintaining sustainable pricing, so customers can trust that PhilCare will be here for them not just today, but in the long run.”

Verisk’s Risk Rating Tool has been built on more than 25 years of global medical underwriting expertise, helping insurers balance innovation, profitability, and customer trust.

With this partnership, PhilCare strengthens its position as a digital leader in Philippine healthcare, proving that technology, when used right, can make health insurance simpler, faster and more human.

“PhilCare’s adoption demonstrates how innovation can drive both commercial performance and social impact," said Jeff Cook, Head of Life at Verisk Life, Health and Travel. "By enabling instant underwriting, insurers can reach more customers and help people live life with confidence.”

PhilCare Brings Faster, Fairer Online Health Coverage to Filipinos Through Verisk’s Health Risk Rating Tool