Compare the Best Health Insurance in the Philippines!

Provide you and your family with the best healthcare possible with a health insurance policy. Check out our comparison of the top health insurance policy and start investing in your health as soon as possible.

CoveragePremium Starts AtEligible AgeCOVID-19 CoverageOther CoveragesMaximum CoverageCoverage PeriodYears to Pay


₱535/month

Upon request

✔️

Critical Illness
Minor Illness
Preventive Care
24/7 Teleconsultation

Up to ₱2 million

Until 100 years old

10 or 20 years

fwd

₱2,487.92/month

Upon request

✔️

Critical Illness
Minor Illness
Preventive Care
24/7 Teleconsultation

Up to ₱1 million

Until 75 years old

5 or 10 years


Upon request

0 to 70 years old

✔️

Critical Illness
Medical Coverage

Up to ₱2 million

Until 100 years old

5 or 10 years


Upon request

0 to 65 years old

✔️

Critical Illness
Minor Illness
Income Continuation

Up to ₱4 million

Until 100 years old

Upon request


Upon request

0 to 65 years old

✔️

Critical Illness
Income Continuation

Up to ₱3.75 million

Until 85 years old

Upon request


Upon request

Upon request

✔️

Critical Illness
Income Continuation
Preventive Care

Upon request

Until 100 years old

10, 15, or 20 years

Health Insurance FAQs

Why should I get health insurance?

The main reason why you should get health insurance is to avoid paying expensive medical expenses. Healthcare in the Philippines isn’t as accessible and affordable compared to most countries. And while PhilHealth provides basic health insurance for most Filipinos, their coverage is barely enough to cover minor illnesses, let alone major ones.

When it comes to you and your family’s healthcare, you’ll need all the financial help you can get. So while everyone in your family is still healthy, you should consider getting a health insurance policy to ensure that an emergency medical situation won’t lead to financial ruin. 

 

What’s the difference between health insurance and HMO?

Health insurance and health maintenance organizations (HMO) offer almost the same services. The only difference is that HMOs are only limited to their network. So for example, if you have an HMO from Medicard, you can only avail free medical services from Medicard-accredited clinics and hospitals. Also, your employer usually handles your HMO coverage for you. 

Meanwhile, health insurance offers a more comprehensive coverage on medical services. You can also use your insurance on any medical facility. And unlike HMOs, health insurance comes with more value-added benefits. The downside is that you have to process your health insurance yourself and you have to pay the premium out-of-pocket. 

 

What type of coverage should I expect from my health insurance?

  • Critical Illness Coverage. Your health insurance should cover all the expenses incurred from the treatment of critical illnesses like cancer, heart attack, stroke, kidney failure, and aneurysm, among many others. 
  • Minor Illness Coverage. Some illnesses are unfortunately not covered in most critical illnesses insurance plans. To cover your bases, look for a health insurance policy that also covers minor illnesses. 
  • Medical Expense Coverage. Your health insurance coverage should also cover non-fatal health conditions and medical services like consultations, in-patient and out-patient care, and rehabilitation services, among others. 
  • Income Continuation. Aside from taking care of your medical costs, your health insurance should also provide you with cash dividends to cover the lost income from your medical condition or hospitalization. 
  • Life Insurance Coverage. Most health insurance providers in the Philippines bundle life insurance in their health plans to make their coverage more comprehensive. 
  • Preventive Care Benefits. Because why wait for you to get sick when you can keep yourself healthy? Find a health insurance policy that offers preventive care benefits. 

 

CoverageCritical IllnessMinor IllnessMedical CoverageIncome ContinuationPreventive Care24/7 Medical Support


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Do health insurance providers cover COVID-19 cases?

Most insurance providers have started offering complimentary COVID-19 coverage to all of their insurance plans. So if you’re looking to financially secure yourself against COVID-19, getting a health insurance policy should be a good route to follow. 

 

Can I have my entire family insured?

Yes, most health insurance providers offer group and family insurance plans for households with more than two members. Some even offer discounts on premiums when you add more people to your health insurance plan.

 

How much will it cost me to get health insurance?

Annual premiums for health insurance can cost you at least ₱40,000. The price of your premium can go either higher or lower depending on your insurance provider’s review of their policies.

 

How do I pay my health insurance premium?

Nowadays, it’s more convenient than ever to pay for your health insurance premium. Most providers accept payments from the following methods:

  • Credit or debit card
  • Auto-debit arrangements
  • Online banking websites and apps
  • Mobile and digital wallets
  • Over-the-counter at banks and payment centers
  • Post-dated checks

 

How often should I pay my health insurance premium?

Health insurance premiums are usually paid annually. You can also choose to pay monthly, although that will cost you more. If you can afford it, you can also shell out a one-time payment. Premiums for younger clients tend to be cheaper as well, so consider getting health insurance while you’re in your 20’s or 30’s. 

 

How do I choose the right health insurance?

Don’t just pick a health insurance provider without taking a look at your options first. You need to consider all your choices because not all health insurance policies are the same. Before signing the dotted line, ask yourself the following questions:

  • What health coverage/s do I need? 
  • Does my family have a history of a critical condition I should be prepared for?
  • Do I have the financial capacity to fund emergency medical expenses?
  • How much am I willing and can afford to pay in premiums?

 

What factors should I consider when choosing health insurance? 

When choosing your health insurance, you shouldn’t just consider the one with the cheapest premium. These are the important factors you should consider instead:

  • Policy Updates. This is an important factor when choosing a health insurance provider because a timely critique of health insurance policies ultimately dictate the price of your premium. Get a health insurance policy that is constantly reviewed by the insurance company so it can keep up with your possible medical needs. 
  • Affiliates and Accreditations. You should check out an insurance provider’s roster of medical affiliates and accreditations. The more accredited hospitals, clinics, and physicians an insurance company has, the more comprehensive their health insurance is. Plus, this gives you more healthcare choices for any specific medical need. 
  • Inclusions and Exclusions. Most importantly, you should check the health insurance policy’s inclusion and coverages before getting it. Some insurance providers may offer in-patient coverage but not out-patient coverage. Some policies may also include illnesses that may not be included in another.

Learn More About Health Insurance in the Philippines:

Ready to secure your health? Check out our extensive guides on health and life insurance below. 

 

COVID-19 Coverage of Health Insurance

Did you know health insurance providers are now covering COVID-related cases? Find out how you can secure your own in this guide.

What to Consider When Choosing Life Insurance

Don’t make the mistake of choosing a life insurance policy just because it has a cheaper premium. Take these factors into consideration first.