Let’s be honest. Healthcare is one of those things we don’t think about… until we suddenly need it. And when we do? The first question is usually: “Magkano kaya aabutin nito?”
In 2026, private health checkups in the Philippines vary widely depending on:
- Clinic vs hospital
- Doctor’s experience
- Location (Metro Manila vs province)
- With or without HMO
So today, let’s break down the realistic cost of private health checkups in 2026 — especially for families.
Pediatric Consultation Cost (2026)
If you have kids, you already know this is one of the most common visits.
👶 Pediatric Consultation (Private Clinic)
₱600 – ₱1,200 per visit
🏥 Pediatric Consultation (Private Hospital)
₱800 – ₱1,800 per visit
Specialist pediatricians in major cities may charge ₱1,500–₱2,500.
If may follow-up, you may pay full fee again unless within a set period.
OB-GYN Checkup Cost (2026)
For moms, this is just as important.
👩 OB Consultation (Private Clinic)
₱700 – ₱1,500
🏥 OB in Private Hospital
₱1,000 – ₱2,500
If ultrasound is required:
- Basic ultrasound: ₱800 – ₱1,500
- TVS (transvaginal ultrasound): ₱1,500 – ₱3,000
Pregnancy checkups often include labs, which increases cost.
Annual Physical Exam (APE) Cost
Many parents want to do yearly checkups, especially for work or school requirements.
🩺 Basic Annual Physical Exam Package
₱1,200 – ₱3,500
Usually includes:
- Physical exam
- CBC
- Urinalysis
- Chest X-ray
More comprehensive packages (with ECG, lipid profile, blood chemistry):
₱3,500 – ₱8,000+
Private hospitals tend to charge higher than standalone diagnostic clinics.
Common Lab Test Costs (2026 Price Guide)
Here’s a practical breakdown of frequently requested tests.
🧪 Blood Tests
- CBC: ₱350 – ₱800
- Fasting Blood Sugar: ₱250 – ₱500
- Lipid Profile: ₱800 – ₱1,500
- HbA1c: ₱800 – ₱1,500
🧫 Urinalysis
₱200 – ₱400
ECG
₱500 – ₱1,200
Chest X-ray
₱500 – ₱1,200
Prices depend on clinic and city.
How Much Does a “Typical” Family Checkup Cost?
Let’s say:
Mom – OB consult + basic labs
Dad – APE package
1 Child – Pediatric consult + CBC
Estimated total:
₱5,000 – ₱12,000
Without HMO.
This is why many families feel healthcare hits hard when unexpected.
Metro Manila vs Province Price Difference
Generally:
- Metro Manila clinics = 10–30% higher
- Provincial private clinics = slightly lower fees
However, specialist doctors may still charge similar rates nationwide.
What Makes Private Health Care More Expensive?
1️⃣ Doctor’s specialization
2️⃣ Hospital facility fees
3️⃣ Additional lab requirements
4️⃣ Follow-up visits
5️⃣ Emergency consults
Emergency room consult in private hospital:
₱2,000 – ₱5,000 (before labs & meds)
That escalates fast.
Ways Families Can Lower Health Checkup Costs
No unrealistic advice — just practical tips.
1️⃣ Use HMO or Company Benefits
If you or your spouse has HMO:
- Check accredited clinics
- Know annual coverage limit
Maximize it.
2️⃣ Look for Diagnostic Packages
Some clinics offer:
- Family health packages
- Discounted bundled tests
Usually cheaper than individual testing.
3️⃣ Schedule Preventive Checkups
Preventive care is cheaper than emergency care.
Waiting until symptoms are severe often multiplies expenses.
4️⃣ Compare Clinic vs Hospital Rates
Standalone diagnostic centers are often cheaper than hospitals for lab work.
Should Families Budget for Health Monthly?
Yes.
Ideal allocation:
5–10% of income toward:
- HMO premiums
- Health savings fund
- Routine checkups
If your income is ₱80,000:
Set aside ₱4,000–₱6,000 monthly for health-related expenses. Better to prepare than panic.
Sample Annual Health Budget (Family of 4)
- 2 APE packages: ₱6,000
- 4 pediatric visits: ₱4,000
- OB visits (2–3/year): ₱3,000
- Misc lab tests: ₱5,000
Estimated yearly health spending:
₱18,000 – ₱25,000
Not including emergencies. Planning makes it less overwhelming.
Health spending is one of those expenses we sometimes delay.
We say:
“Okay lang, baka pagod lang.”
“Next month na lang checkup.”
But as parents, our health — and our kids’ health — is our foundation.
A house can wait.
A new gadget can wait.
Health shouldn’t.
And knowing the cost ahead of time?
That removes fear.
Preparation brings peace.
