Cost of Health Insurance for Expats in the Philippines in 2026
Health insurance for expats in the Philippines costs approximately USD $4,600 per year for individuals and around USD $12,700 for families based on recent averages. Monthly premiums can start at USD $128 for a 30-year-old and go up to USD $370 for a 65-year-old.
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Are you a Philippines expat searching for medical coverage but don’t know how much you can expect to pay? Are you trying to find a reasonable plan with sufficient comprehensive medical coverage?
This blog post will cover the average cost of insurance in the Philippines and how it has changed over the past five years, and we’ll also provide several insurance quotes so you can see real plans and real cost estimates for people from various age groups. All sums are in United States Dollars.
Average Cost of Expat Health Insurance in the Philippines
The average cost of expat health insurance in the Philippines for an individual plan was $4,597 in 2024. In the same year, the average for a family plan was $12,668. International medical insurance plans can cost more or less annually depending on your exact situation, benefits, and health needs.
Health insurance costs have been steadily increasing for some time. The chart below shows how medical coverage prices in the Philippines have evolved from 2020 to 2024 and offers insight into potential future trends.
Table of Average Philippines Insurance Costs for Expats |
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| Year of Coverage | Average Individual Cost | Average Family Cost |
| 2024 | $4,597 | $12,668 |
| 2022 | $4,428 | $12,199 |
| 2021 | $4,205 | $11,062 |
| 2020 | $3,855 | $10,661 |
| 2019 | $3,552 | $10,594 |
| 2018 | $3,212 | $9,975 |
To see the average cost of international health insurance in different countries, read Pacific Prime’s The Cost of International Health Insurance Report 2024. Pacific Prime puts out a similar report annually.
Sample Medical Insurance Premium Costs
We have gathered cost estimates for expat medical insurance in the Philippines ranging from $128 – $371 for a 30-year-old, $185 – $436 for a 50-year-old, and $370 – $753 for a 65-year-old. To break down the idea of health coverage price, check out our charts of these cost samples below.
These samples are meant to provide a general estimate of plan costs, as your personal medical profile will ultimately influence the final price.
30-Year-Old Female
The following international health insurance plans and their premium estimates are for a 30-year-old female expat living in the Philippines for over a year. All plans include inpatient care, emergency repatriation benefits, and emergency evacuation, with some offering additional coverage.
| Sample Insurance Costs for 30-Year-Old Philippines Expat | ||||
| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| Allianz | Care Plus (Bloom) | 256 | 4,000,000 | 1,015 |
| April International | Essential | 133 | 1,000,000 | 2,500 |
| AXA | Standard | 128 | 1,600,000 | 400 |
| Cigna | Silver | 371 | 1,000,000 | 375 |
| William Russell | Bronze | 149 | 1,500,000 | 500 |
These cost samples are pulled from our online expat insurance quote generator. You can use this tool yourself to look deeper into these insurance plans and to see hundreds of other quotes.
If you have questions about the plans you see above, or if you’d like help comparing plans or quotes, talk to our insurance experts today!
50-Year-Old Male
The following international health insurance plans and their premium estimates are for a 50-year-old male expat living in the Philippines for over a year. All plans include inpatient care, emergency evacuation, and emergency repatriation benefits, with some offering additional coverage.
| Sample Insurance Costs for 50-Year-Old Philippines Expat | ||||
| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| Allianz | Care Plus | 298 | 4,000,000 | 1,015 |
| April International | Comfort | 327 | 1,500,000 | 500 |
| AXA | Standard | 185 | 1,600,000 | 1,600 |
| Cigna | Silver | 436 | 1,000,000 | 1,500 |
| William Russell | Bronze | 255 | 1,500,000 | 1,000 |
These cost samples are pulled from our online expat insurance quote generator. You can use this tool yourself to look deeper into these insurance plans and to see hundreds of other quotes.
If you have questions about the plans you see above, or if you’d like help comparing plans or quotes, talk to our insurance experts today!
65-Year-Old Female
The following international health insurance plans and their premium estimates are for a 65-year-old female expat living in the Philippines for over a year. Each plan includes inpatient, emergency evacuation, and emergency repatriation coverage benefits. Some plans offer additional benefits.
| Sample Insurance Costs for 65-Year-Old Philippines Expat | ||||
| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| Allianz | Care Plus | 702 | 4,000,000 | 1,015 |
| April International | Essential | 498 | 1,000,000 | 1,000 |
| AXA | Standard | 370 | 1,600,000 | 1,600 |
| Cigna | Silver | 753 | 1,000,000 | 1,500 |
| William Russell | Bronze | 705 | 1,500,000 | 1,600 |
These cost samples are pulled from our online expat insurance quote generator. You can explore this tool on your own to examine these plans in more detail and access hundreds of additional quotes.
If you have questions about the plans you see above, or if you’d like help comparing plans or quotes, talk to our insurance experts today!
Top International Insurance Providers for the Philippines
The top 10 insurance providers of international health insurance (IHI) for foreigners living in the Philippines are Cigna, Allianz, IMG Global, HOW Health, Pacific Cross, William Russel, AXA, Blue Cross Blue Shield Global Solutions, VUMI, and April International.
These top international insurance providers in the Philippines are highly competitive, competent, and comprehensive when it comes to their health coverage. Let’s introduce each so you can get an idea of which ones may serve your needs the best.
- Cigna: Cigna Global has four core IHI plans for expats: Silver, Gold, Platinum, and Close Care. Cigna’s insurance products include individual and family health insurance, dental insurance, international health insurance, employee plans and policies, employer group solutions, and more.
- Allianz: Allianz Care offers three main plans for expat individuals and families: Care Base, Care Enhanced, and Care Signature plans. These products include inpatient, emergency outpatient, and emergency dental treatment.
- IMG Global: IMG Global provides its IHI plan through a Global Medical Plan, available in four different categories of coverage: Bronze, Silver, Gold, and Platinum. Their benefits include inpatient care, prescription coverage, cancer treatment, and medical emergency coverage.
- NOW Health: NOW Health’s most comprehensive plan is called WorldCare, and there are four different policy coverage options. Now Health also offers SimpleCare plans in most countries when the price of insurance premiums is a major concern. SimpleCare has three different tiers of coverage options.
- Pacific Cross: Pacific Cross lets its members choose a Major Medical International plan, a Standard International plan, a Comprehensive International plan, or a Premier International plan. Pacific Cross also includes dental, travel, and vision coverage with inpatient and outpatient care.
- William Russell: William Russell offers four standard health insurance plans: Bronze, SilverLite, Silver, and Gold. These products can include inpatient, emergency outpatient, dental, and maternity coverage.
- AXA: AXA has five main international health insurance plans for expats: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. Plan benefits include inpatient, outpatient, emergency medical, maternity care, and much more.
- Blue Cross Blue Shield Global Solutions (BCBSGS): They provide three different types of plans to meet the needs of expats and travelers. Voyager is single-trip medical insurance. Trekker is short-term multi-trip travel medical insurance. Xplorer is BCBSGS’s long-term health insurance for expats.
- VUMI: VUMI offers a Global Flex VIP plan with five different levels of coverage: Basic, Standard, Superior, Ultra, and Total. Benefits for these plans can include inpatient care, dental care, optical care, maternity care, and more.
- April International: April International’s main health insurance product for expats is called MyHealth International. Expats and their families have five tiers of coverage to choose from. Coverage tiers range from emergency-only care to a premium plan with outpatient and preventative care coverage.
To get an insurance quote for any of these providers, use our online expat insurance quote generator. It allows you to compare hundreds of plans side by side, read plan details, and save your favorite quotes for later reference.
Frequently Asked Questions
How do expats pay medical bills in the Philippines?
Expats can pay their medical bills in the Philippines with public or private insurance, out-of-pocket payments, or a combination of both. This is because the healthcare system in the Philippines is divided into public and private healthcare facilities and providers.
What is the healthcare system like in the Philippines?
The healthcare system in the Philippines has public hospitals and private hospitals. Expats who want to participate in the public healthcare scheme will need to sign up for PhilHealth, and they must have a long-term visa to do so. Expats can also choose to purchase private insurance instead.
Why is medical evacuation coverage crucial for expats?
Medical evacuation coverage ensures timely transportation to quality medical facilities in emergencies. This protection is vital in regions with inadequate healthcare, providing peace of mind, reducing financial burdens, and ensuring access to necessary care when every minute counts.
Conclusion
We’ve now discussed the cost of health insurance for foreigners and expats living in the Philippines. If you found this article beneficial, you’ll also want to read our blog posts Dental Insurance in Philippines for Expats and Philippines Health Insurance For Long-Term Visitors.
To talk to an insurance expert and get personal advice, fill out our contact form. You can also dive into comparing insurance quotes on your own.
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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