What Intellicare Group does

Intellicare Group is a Philippine health maintenance organization (HMO) that delivers employer-sponsored healthcare plans to corporate accounts and their employees, operating through the legal entity Asalus Corporation and structured as a subsidiary of Singapore-based Fullerton Health. The Group comprises three brands — Intellicare (65% of covered lives), Aventus (28%), and Avega (7%) — collectively covering more than 2.4 million lives through a network of 64,000+ affiliated doctors and specialists and a nationwide footprint spanning 12 regional and satellite offices from Luzon to Mindanao. Core offerings include outpatient, inpatient, emergency, and dental coverage sold via annual subscription contracts to corporate employers and increasingly to MSMEs new to HMO coverage.

The technology layer centers on the Agora mobile application, which functions as a digital gateway for members by integrating a virtual health card, searchable provider directory, facility mapping, electronic Request for Consultation Slip (eRCS) generation, reimbursement filing, and teleconsultation services delivered through telemedicine partner Medgate Philippines. The company holds Insurance Commission HMO Registration No. HMO-2026-16-R and ISO 27001:2013 certification, with sister entities Avega and Aventus on phased certification tracks. Go-to-market is enterprise field sales targeting HR and benefits decision-makers, supplemented by online quote-request forms and direct outreach; pricing is quote-based and customized by organization size, coverage scope, and plan tier, with no publicly disclosed standard rates. A 2024 memorandum of understanding with Mitsubishi Corporation extends the distribution channel into Japanese multinationals operating in the Philippines, building on Mitsubishi's August 2025 investment in parent Fullerton Health.

Name

Intellicare Group

Legal name

Asalus Corporation

Website

https://intellicare.com.ph

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Intellicare Group is a Philippine HMO operating through Asalus Corporation that delivers employer-sponsored healthcare plans to over 2.4 million covered lives across corporate accounts and MSMEs via a 64,000+ provider network and the Agora digital platform.

Ownership category

akta.pro rank

Product category

Health Maintenance Organization Services

NAICS

HMO Medical Centers (621491), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industries

Independent Practice Association (IPA) Model HMOs (HLAEAMAD), Group HMO Plans (FSAIAFAK)

Keywords

• Health maintenance organization
• Corporate healthcare plans
• Managed healthcare services
• HMO insurance plans
• Employer health benefits

Headquarters

HQ city

Bacolod City

HQ country

Philippines

HQ region

Asia

Offices15 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. HMO Premiums and Healthcare Plans: Intellicare generates revenue through annual healthcare plan subscriptions paid by employers and corporations for their employees. Plans provide comprehensive HMO coverage including outpatient, inpatient, emergency, dental services, and teleconsultation. The company acts as a Health Maintenance Organization providing health insurance and healthcare administration services.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Intellicare Group provides managed healthcare services through comprehensive health maintenance organization (HMO) programs targeted primarily at corporate employers and their employees in the Philippines. The core offering consists of customizable annual healthcare plans covering outpatient, inpatient, emergency, dental, and teleconsultation services, delivered through a network of 64,000+ affiliated doctors and specialists nationwide. Members access services via the proprietary Agora mobile app, which provides a virtual health card, provider directory, facility mapping, and electronic consultation request (eRCS) generation. The Group operates through three brands (Intellicare 65%, Aventus 28%, Avega 7%) covering a combined 2.4 million+ lives.

Product overview

Intellicare Group operates as a multi-brand HMO platform comprising three distinct brands: Intellicare (core brand, 65% of coverage), Aventus (28% of coverage), and Avega (7% of coverage), serving over 2,400,000 members with 64,000+ affiliated doctors and specialists nationwide. The portfolio centers on a digital-first healthcare experience through the Agora mobile app (providing virtual healthcard, provider directory, teleconsultation, and utilization tracking) integrated with the eRCS electronic request system for consultations and diagnostics. The core HMO offerings include comprehensive health plans, third-party administration services, and clinic-based healthcare delivery, supplemented by teleconsultation, reimbursement processing, and a nationwide network of affiliated providers.

Differentiator

Problem solved

Functional benefit

Brands

• Agora: Digital health platform providing virtual healthcard, facility maps, provider directories, teleconsultation, and utilization tracking through a mobile application
• eRCS Express

Products and services

• Intellicare HMO Healthcare Plans Comprehensive HMO coverage plans providing outpatient, inpatient, emergency, dental, and teleconsultation services for corporate clients and their employees, with customizable design based on organization size and coverage scope.
• Aventus Healthcare Services Sub-brand of Intellicare Group providing clinic-based healthcare services and specialist access through urban rehabilitation and wellness hubs, covering 28% of total group lives.
• Avega Healthcare Services Sub-brand of Intellicare Group complementing the core HMO and clinic offerings within the integrated healthcare delivery system, covering 7% of total group lives.
• Agora Digital Health Platform Mobile application serving as the digital gateway for members to access virtual health cards, search providers, book teleconsultations, generate electronic consultation requests (eRCS), track utilizations, and file reimbursements.
• eRCS Express Digital platform enabling members to electronically request consultations and diagnostic procedures via a streamlined online form, with downloadable e-requests and QR code delivery.

Quantifiable outcome

• 1,200,000+ members served across the Philippines
• +5 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Mitsubishi CorporationcoreStrategic or Co-development Partner · 26 February 2026Partnership formalized through memorandum of understanding to deliver healthcare solutions for Japanese companies operating in the Philippines. Mitsubishi contributes hospital management systems, healthcare supply chain solutions, and medical cost analytics. The agreement builds on Mitsubishi's August 2025 investment in Fullerton Health, Intellicare's parent company, to collaborate on data-driven healthcare solutions. Services include comprehensive HMO coverage, third-party administration, and clinic-based services.
• Aventus MedicalcoreStrategic or Co-development PartnerSister company under Intellicare Group, contributing to clinic-based services and specialist healthcare access. Aventus represents 28% of total lives covered by Intellicare Group.
• AvegacoreStrategic or Co-development PartnerSister company under Intellicare Group, part of the integrated healthcare delivery system. Avega represents 7% of total lives covered by Intellicare Group.
• Assist AmericaminorOthersGlobal emergency assistance and evacuation services for members traveling or working abroad.
• CompsychminorOthersEmployee assistance program (EAP) services for corporate clients providing mental health and wellness support.
• Association of Health Maintenance Organizations of the Philippines, Inc. (AHMOPI)minorOthersIndustry association membership for HMO industry representation, standards development, and regulatory engagement.

Scale indicators17 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Maxicare Healthcare Corporation: One of the largest Philippine HMOs and the most direct competitor to Intellicare, offering employer-sponsored HMO plans, a wide affiliated provider network, and its own mobile/digital platform. Comparable on product, customer base (corporate employers), and scale.
• Medicard Philippines: Established Philippine HMO providing corporate and individual health cards with its own clinic network and affiliated providers. Directly comparable to Intellicare on HMO product structure and corporate employer focus.
• PhilCare (Philippine Health Care Providers Inc.): Philippine HMO offering employer-sponsored healthcare programs, prepaid health cards, and clinic services. Comparable to Intellicare as a network-model HMO serving corporate accounts nationwide.
• Health Plan Philippines Inc. (HPPI): Philippine HMO under the Medicard group serving corporate accounts with HMO coverage and provider networks. Directly comparable on HMO product offering and corporate employer target market.
• Pacific Cross Philippines: Philippine health insurance provider offering individual and group health plans including HMO-style coverage. Comparable as a corporate health plan competitor with overlapping provider network and product structure.
• Cocolife (Coco Plans Inc.): Philippine insurance and HMO provider selling group and individual health plans through corporate and affinity channels. Comparable on employer-sponsored HMO products and Philippine provider network model.

Broad incumbents

• Fullerton Health Philippines: Parent group of Intellicare and broader Asia-Pacific managed care/clinical services operator with corporate healthcare programs across multiple Southeast Asian markets. Comparable as a managed-care platform operating above Intellicare in the value chain.
• AXA Philippines: Major Philippine insurer offering group health, life, and HMO-style products to employers. Comparable as a broader incumbent with overlapping corporate health insurance offerings, though not a pure-play HMO.
• Sun Life Philippines (Sun Life Grepa): Large Philippine life and health insurer offering group health insurance products to corporate employers. Comparable as an enterprise-channel health insurance competitor, though with a broader financial-services portfolio.

Emerging players

• Medgate Philippines: Philippine telemedicine provider partnered with Intellicare for teleconsultation services. Comparable as a digital health / virtual care player intersecting Intellicare's distribution and member-experience stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks1 record

Key highlights7 records

Customer concentration

• Xx.com/intellicare
• YouTubeyoutube.com/user/IntellicarePH
• Facebookfacebook.com/intellicare
• LinkedInlinkedin.com/company/intellicare-ph
• Instagraminstagram.com/intellicareph

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Intellicare Group