Pacific Cross Health Insurance in the Philippines for Expats
Expats in the Philippines can rely on Pacific Cross for trusted and flexible health insurance coverage. With more than 70 years of experience, this insurer provides affordable plans to support international residents with medical emergencies, hospitalization, accidents, and travel protection.
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Whether you want a standalone plan or a top-up to complement your existing HMO, Pacific Cross offers options to match different budgets and needs. Its strong regional presence and long-standing reputation make it a reliable choice for expats seeking comprehensive health support in the Philippines.
In the Pacific Prime article, we’ll dive deep into Pacific Cross’ insurance policies and how they’ll benefit expats in the Philippines.
Pacific Cross Health Insurance Plans for Expats
Pacific Cross Health Insurance is one of the oldest insurance specialists in the Philippines. With over 70 years of experience, the company now serves over 400,000 clients in the Philippines and Southeast Asia!
Pacific Cross provides health insurance in four different plans in the Philippines, ranging from Blue Royale, FlexiShield, Select, and Critical Cover Extra.
One key advantage that Pacific Cross offers to expats is the cost-effectiveness of its insurance plans. These plans allow you to maintain your budget while still providing essential coverage, ensuring that you remain insured in most situations you may encounter.
FlexiShield: Affordable Top-Up Health Coverage
Pacific Cross’ FlexiShield plan acts as a second-layer plan by enhancing your existing HMO’s maximum benefit limit, so you can solely focus on recovering.
The premium is also more affordable than a stand-alone medical plan. As it’s designed purely as a top-up coverage to your HMO plan, it will only come into effect should you go beyond your HMO coverage.
Your current HMO (Health Maintenance Organization) might not provide enough financial cover should any critical illness strike. With Pacific Cross’ FlexiShield Plan, you will have a reliable backup to help you with the financial burden of costly medical treatments.
Certain medical conditions can be costly, especially those that require hospitalization. Being anxious about whether or not you have enough medical coverage can add even more stress to an already less-than-ideal situation.
Here are the benefit highlights from the FlexiShield plan:
- Additional medical coverage on top of your existing HMO
- Applicable to individuals, families, and corporate accounts
- Daily hospital income
- Available at affordable premiums
- No cashing out or reimbursements
- Coverage for Covid-19
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ FlexiShield Plan:
| FlexiShield: Key Plan Benefits | |
| Limit | |
| Maximum Benefit Limit (MBL) | PHP 2,000,000 (USD $34,076) |
| Maximum Benefit Per Disability | For each disability per year |
| Deductible Per Disability Per Year*
The first layer HMO has a Maximum Benefit Limit or Annual Benefit Limit for each covered condition per year. If the HMO’s maximum limit changes during the claim period, the applicable Deductible will be the higher of the stated limit or the HMO’s new maximum limit. However, the Insured will not be covered if the applicable Deductible has not been met. |
First Layer Plan’s MBL |
| Claims Settlement Method | 100% reimbursement not to exceed the plan limit or direct settlement by the Company through its Accredited Network. |
Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross’ FlexiShield Plan:
| FlexiShield: Inpatient Hospital Coverage | |
| Room and Board, Including General Nursing Care | Private room |
| Miscellaneous Inpatient Charges
Includes mandated diagnostic lab tests, prescribed medications, physiotherapy sessions, blood and blood components, anesthesia and surgical appliances, intravenous chemotherapy, radiotherapy, and dialysis treatments. It also includes therapeutic procedures like physical therapy and speech therapy related to the insured’s medical management, as prescribed by the attending physician |
As charged |
| Attending Physician’s Visit | As charged for in-network providers’ rates or up to PHP 4,000 (USD $68) via reimbursement |
| Specialists’ Fees | As charged for in-network providers’ rates or up to PHP 4,000 (USD $68) via reimbursement |
For more information on the surgical benefits provided by Pacific Cross’ FlexiShield Plan, please refer to the table below:
| FlexiShield: Surgical Benefits | |
| Operating Theater and Recovery Room | As charged |
| Surgeon’s Fee
Total fees of the Surgeon(s), including pre-surgical assessment and normal post-surgical care while the Insured is confined. |
As charged for in-network providers’ rates or up to PHP 180,000 (USD $3,067) via reimbursement |
| Anesthetist’s Fee
Not to exceed 50% of the approved amount payable to the Surgeon(s) |
Based on the in-network providers’ rates or up to PHP 90,000 (USD $1,533.5) per disability per year via reimbursement |
The table below highlights the daily hospital income benefit from Pacific Cross’ FlexiShield Plan:
| FlexiShield: Hospital Cash Assistance | |
| Claim Settlement Method | 100% reimbursement of the daily hospital cash assistance benefit resulting from an eligible confinement period that is covered by FlexiShield. |
| Maximum Benefit Limit (MBL) | Daily limit of PHP 1,000 (USD $17) |
| Maximum Number of Confinement Days Per Period of Insurance | 30 Days |
Select Plan: Flexible Medical Coverage
Pacific Cross’s “Select” plans include two options: Select Standard and Select Plus.
For Select Plus, you will enjoy additional protection with an aggregate limit per year of up to PHP 5,000,000 (USD $85,210) with your own choice of hospital.
For Select Standard, you can choose your medical provider and doctor. You can also get medical benefits reimbursed up to PHP 2,000,000 (USD $34,076) for each disability per lifetime.
The Select Standard plan also includes:
- Access to no-cash-outlay medical treatment at accredited hospitals or reimbursement of medical expenses according to your coverage
- A wide range of medical insurance benefits
- A comprehensive Core Benefits package that covers both your medical and travel insurance requirements
- Coverage for emergency medical situations while abroad
- Round-the-clock worldwide customer support and emergency hotline assistance
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Select Plan:
| Select Plan: Core Benefits | |||||
| Select Plus & Select Standard | Select Plus & Select Standard | Select Plus & Select Standard | Select Plus | Select Plus | |
| Ward | Semi-private | Private 2M | Private 3M | Private 5M | |
| Maximum Coverage | PHP 1,000,000
(USD $17,042) |
PHP 1,500,000
(USD $35,564) |
PHP 2,000,000
(USD $34,076) |
PHP 3,000,000
(USD $51,127) |
PHP 5,000,000
(USD $85,212) |
Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross’ Select Plan:
| Select Plan: Inpatient Care Coverage | |||||
| Select Plus & Select Standard | Select Plus & Select Standard | Select Plus & Select Standard | Select Plus | Select Plus | |
| Room and Board
including General Nursing Care |
As charged | As charged | As charged | As charged | As charged |
| Miscellaneous Hospital Expenses
for required diagnostic laboratory tests, prescribed medicines, physiotherapies, blood and components, anesthesia, and surgical appliances. |
As charged | As charged | As charged | As charged | As charged |
| Physician’s Visit
(non-surgical) daily visit fee to a limit of |
PHP 2,000
(USD $34) |
PHP 3,000
(USD $51) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
| Specialist’s Fee
for 10 days for each disability per year to a daily limit of |
PHP 2,000
(USD $34) |
PHP 3,000
(USD $51) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
| Private Duty Nurse
at home only when certified necessary by the Attending Physician for a maximum of 5 days, immediately after hospitalization. Daily visit fee to a limit of |
PHP 2,000
(USD $34) |
PHP 3,000
(USD $51) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
PHP 4,000
(USD $68) |
Blue Royale: Premium Global Health Coverage
Pacific Cross’ Blue Royale plan offers one of the most comprehensive ranges of medical insurance benefits in the Philippines. It also provides you with the option to choose the best medical treatment anywhere in the world, with a coverage limit of up to USD $2,000,000 per year.
The Blue Royale Plan also includes:
- Comprehensive Core Benefits that cover both your medical and travel insurance needs
- Reimbursement of eligible charges or no-cash-outlay medical treatment using accredited hospitals
- Maternity and childbirth coverage
- Services for emergency medical evacuation, repatriation, and transportation of the deceased’s remains
- Optional coverage for dental and vision benefits
- Coverage for health and travel needs from infancy up to 100 years old
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Blue Royale Plan:
| Blue Royale: Annual Benefit Limits | |||
| Plan A | Plan B | Plan C | |
| Maximum Coverage Per Year (aggregate limit per year) | USD $500,000 | USD $1,000,000 | USD $2,000,000 |
Additionally, the information shown in the table below shows the inpatient benefits you can get from Pacific Cross’ Blue Royale Plan:
| Blue Royale: Inpatient Services | |||
| Plan A | Plan B | Plan C | |
| Room and Board
including General Nursing Care |
|||
| Daily Limit for Philippine confinement | USD $300 | USD $600 | USD $850 |
| Daily Limit for Overseas Confinement | Private room up to USD $1,000 | Private room up to USD $1,500 | Private room up to USD $1,500 |
| Miscellaneous Inpatient Charges
for required diagnostic laboratory tests, prescribed medicines and supplements, blood and components, anesthesia, surgical appliances and devices, and intra-operative standard prosthetics (as approved by Pacific Cross) |
As charged | As charged | As charged |
| Professional Fee | As charged | As charged | As charged |
| Intensive Care Unit, Coronary Care Unit, Telemetry | As charged | As charged | As charged |
| Operating Theater and Recovery Room | As charged | As charged | As charged |
| Surgeon’s Fee
includes pre-surgical assessment and normal post-surgical care while confined in the treatment country for each disability |
USD $30,000 | As charged | As charged |
| Anesthesiologist’s Fee | 50% of surgeon’s fee | As charged | As charged |
| Bariatric Surgery Procedures
covers specific inpatient bariatric surgery procedures for weight loss and related complications, such as gastric bypass, sleeve gastrectomy, adjustable gastric band, and biliopancreatic diversion with duodenal switch. |
USD $2,000 | USD $3,000 | USD $5,000 |
| Private Duty Nurse
when certified necessary by the Attending Physician (at home for up to 30 days immediately after hospitalization) |
As charged | As charged | As charged |
| Surgical Procedures
Cataract Extraction; *Dilation & Curettage; Excision of Mass/Tumor; Aspiration/Excision Biopsy of Cyst/Mass; Incision & Drainage; Ingrown Toenail Surgery or Wedge Resection; Brachytherapy; Electrodesiccation/Electrocautery of Warts from the neck down; Colonoscopy or Gastroscopy with Excision Biopsy; Angioplasty; and other procedures as may be approved by the Company. *Coverage for Dilation and Curettage (D&C) procedure is for non-maternity-related conditions only. |
Subject to the limits of the surgical benefits | Subject to the limits of the surgical benefits | Subject to the limits of the surgical benefits |
| Non-Surgical Procedures
Intravenous Chemotherapy; Radiotherapy/Cobalt Therapy; Radioactive Iodine (RAI) Therapy; Colonoscopy or Gastroscopy without Biopsy; Hemodialysis; Blood Transfusion; Angiogram; and other procedures as may be approved by the Company. |
Up to the maximum coverage limit | Up to the maximum coverage limit | Up to the maximum coverage limit |
Critical Cover Extra: Additional Critical Illness Protection
Critical Cover Extra is a critical illness rider available with Blue Royale A, B, and C plans. It provides a one-time lump sum benefit in addition to the base plan if diagnosed with any of the 8 covered critical medical conditions. Here are the following illnesses and conditions covered:
- Life-threatening cancer
- Multiple sclerosis
- Heart attack
- Benign brain tumor
- Stroke
- Coronary artery bypass surgery
- Kidney/renal failure
- Major organ transplant
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Critical Cover Extra Plan:
| Critical Cover Extra: Key Rider Benefits | |
| Issue Age | Sum insured allowed per plan |
| 4 to 18 years old | Blue Royale A, B and C: USD $25,000 |
| 19 to 55 years old | Blue Royale A: USD $25,000 | Blue Royale B and C: USD $50,000 |
Pacific Cross Travel Insurance Plans for Expats
Like their health insurance plans, Pacific Cross’ travel insurance plans in the Philippines provide cost-effective options that give you access to 24-hour worldwide emergency assistance and hospital cash allowance.
Their travel insurance options include ShortSecure, Worldwide Elite (including Schengen), Worldwide Elite (Inbound), Asia and Oceania, and Domestic plans.
Why Secure Pacific Cross Plans with Pacific Prime
After all this information, you might be wondering how you can secure an insurance plan. Typically, there are two ways to secure an insurance plan; the first way is through an agent, and the second way is through a broker like Pacific Prime.
Ultimately, the result is that you secure an insurance plan most appropriate to your criteria. However, the experience and after-sales services can vary between the two, as an agent generally represents an insurance company, whereas a broker represents you.
What this means is that a broker will put your needs above those of the insurance company, guaranteeing that the plan given to you will match your particular needs and budget requirements.
Pacific Cross Insurance: FAQs
Can a foreigner get PhilHealth in the Philippines?
Foreigners employed in the Philippines can and are required to enroll in PhilHealth, with premiums automatically deducted from their salaries and shared with their employer. However, given the limited benefits of PhilHealth, many expats opt for private health insurance to enhance their coverage.
How much is a hospital stay in the Philippines?
Hospital rooms in the Philippines’ private hospitals range from PHP 5,000 to PHP 15,000 (USD $85 to $255) a day and approximately PHP 15,000 to PHP 40,000 (USD $255 to $680) for international clinics.
How much is health insurance in the Philippines?
According to Pacific Prime’s Cost of Health Insurance 2024, international health insurance premiums in the Philippines cost around USD $4,597 per year for individuals and USD $12,668 per year for families, though prices may be higher or lower based on your personal needs and risk profile.
Conclusion
With over 25 years of reputation as a world-renowned insurance broker, Pacific Prime collaborates with top insurers across the Philippines, including Pacific Cross and many more. Visit Pacific Prime today to find the right plan for you!
Be sure to contact us today for a free quote! Our experts excel at guiding you through the complexities to help you identify the best plans that fit your requirements and budget, all with impartiality and service-mindedness.
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With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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