EXPAT Health Insurance Philippines (Copyright Free Content)
Channel: Owl of Asia
Date: 2021-12-09

How to get health insurance in the Philippines as an expat? Expat insurance in the Philippines has a lot of questions. Today's video will answer these questions. There is also a part 2!

LINKS: Health Insurance For Foreigners In The Philippines
- https://www.internationalinsurance.com/health/asia/philippines.php
- https://dumaguete.com/philhealth-health-insurance-foreigners-philippines/ 
- https://wise.com/us/blog/health-insurance-philippines
- https://www.philhealth.gov.ph/news/2017/expands_coverage.html
- https://www.imoney.ph/health-insurance

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So it seems that healthcare is a popular subject, so today, we will be looking at the options for foreigners and retirees in the Philippines. 
Towards the end, I will also be answering some common questions, but if there is a question I haven’t answered or you wish me to dive into a subject deeper, please let me know in the comments. 
Oh By the way, I’ve also added some additional links in the description with comparison, term, and other information. So let us take a look at the first options. 

1. PhilHealth

If you have never come across PhilHealth before, the program is the National Health insurance system for the Philippines, which aims to offer affordable health insurance services for all citizens. 

PhilHealth has accepted foreign members to its program for a few years now. The current terms state that foreigners who have a special resident retirees visa (SRRV) or have an alien certificate of registration card (ACR) can apply. 

Some insurance systems will cover you if your spouse is Filipino; however, PhilHealth does not cover this. Therefore, as a foreigner looking for health insurance in the Philippines, you will need to become a member individually. 


PhilHealth has several benefits for retirees in the Philippines;

2. Axa Medical Plan

Axa has three main options: critical illness cover, medical coverage, health and investment. Looking through the terms and conditions, it appears that the most suitable service would be general medical coverage for foreigners living in the Philippines…

… however, depending on your circumstances, you may find the other options more suitable, but for this article, we will focus on the most relevant, which is their general medical cover., Axa was one of the highest plans; however, it offered the most features and ease of access for foreigners looking for health insurance in the Philippines.


2. SunLife Fit & Well 

The most common insurance package is SunLife Fit & Well, a health insurance plan that offers critical illness and life insurance benefits until age 100. SunLife terms state that they can diagnose 64 major critical illnesses, 34 minor illnesses, and 16 individual cancer conditions within the plan. 


4. Cigna

Cigna is best if you seek health insurance in the Philippines before arriving in the Philippines. Cigna offers 4 plans in total for expats. These include; Silver, Gold, Platinum, and Close care.
 

Q: Are There Other Health Insurance Companies In The Philippines For Foreigners?

Yes, there are. For the purpose of this video, I emailed all the providers where I could not find information about foreign membership. S

Q: Should I Purchase Insurance Before The Philippines? 

There are pros and cons to both, but if you are looking to save money, purchasing locally will be your best options

Q: Can I Use My Health Plan As An Investment While I’m Not Using It

Yes, some companies have investment options. This is a big topic so let me know if you wish me to cover this in more detail.

Q: Is Health Insurance Mandatory?

Health insurance is not mandatory, but with the ongoing pandemic and other developments, there may be some kind of cover needed in the future but it terms of health insurance only, it is not mandatory. 

Q: How Do I Start?

With most health plans in the Philippines, quotations are available online. From there, you can sign up online or visit an office similar to PhilHealth. 


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