Reliable Expats Insurance from AXA Philippines in 2026
Expats in the Philippines often choose AXA for international health insurance for its high coverage limits, wide hospital network, and global medical access. The AXA Global Health Access plan supports expats with comprehensive benefits like inpatient and outpatient care and emergency evacuation.
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Relying on public healthcare in the Philippines can mean long wait times and limited specialized care. With AXA’s strong local presence and access to over 1,000 medical providers, policyholders can receive fast, reliable treatment while also enjoying international coverage abroad.
In this Pacific Prime article, we will delve into AXA’s company background and the services they deliver, the eligibility and coverage of the AXA Global Health Access plan for expats, and how we could help you on your insurance journey in the Philippines.
Why Expats Choose AXA Philippines for Coverage
The AXA group has serviced 95 million clients with their insurance and asset management expertise in 50 countries and territories. Their clients can gain access to over 9,000 hospitals worldwide, enjoying the freedom of receiving quality care anywhere in the world.
AXA Philippines was established in 1999 and is one of the country’s largest and fastest-growing insurance companies. Its insurance products offer financial security with insurance provision to over 1,000,000 individuals and access to necessary healthcare services in 1,400 clinics and hospitals.
AXA can offer a complete range of products for all its customers’ insurance and financial protection needs, including savings and investments, health plans, and income protection plans as well as general insurance such as fire, motor, car, personal accident, and casualty products.
AXA Global Health Access Plan Overview
AXA Philippines’s Global Health Access (GHA) Plan is a comprehensive health insurance plan in the Philippines that offers exceptional medical experience for expats and their families, covering them from common to life-threatening illnesses, up to PHP ₱175 million (USD $2,957,500) annually.
Depending on your plan level, you are subjected to a different amount in annual benefit limit and outpatient and inpatient coverage. Below is the coverage you’ll get by enrolling in GHA:
| Features and Benefits | Silver | Gold Lite | Gold Lite Plus | Gold | Platinum |
| *Annual Benefit Limit | PHP ₱50 Million (USD $845,000) | PHP ₱100 Million (USD $1,690,000) | PHP ₱100 Million (USD $1,690,000) | PHP ₱100 Million (USD $1,690,000) | PHP ₱175 Million (USD $2,957,500) |
| *Inpatient Care (Hospitalization) | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Outpatient Care (Consultation and Diagnostics) | ✓ | 90 days pre & post hospitalization coverage | 15 visits up to P1,000 per visit | ✓ | ✓ |
| *Emergency Care | ✓ | Emergency outpatient due to accident only | ✓ | ✓ | ✓ |
| *Health Screen | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Multivitamins and Food Supplements | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Psychiatric Treatment | ✓ | For inpatient only | ✓ | ✓ | ✓ |
| *Dental Care | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Alternative Treatment | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Optical Care | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Maternity Care | ☓ | ☓ | ☓ | ✓ | ✓ |
*Explanation of terms:
- Annual Benefit Limit: The plan’s consumable amount limit you can use for all treatments and illnesses.
- Inpatient Care: Coverage for continuous stay in a hospital for at least 12 hours for treatment of a covered medical condition.
- Outpatient Care: The fees for treatment by a medical practitioner’s consultation or in a medical facility where a person is not admitted to hospitalization.
- Emergency Care: Includes any unexpected, serious, or life-threatening emergency that requires immediate medical attention.
- Health Screen: Annual health check-up or a medical examination in the absence of a medical condition.
- Multivitamins and Food Supplements: Coverage for over-the-counter vitamins and supplements.
- Psychiatric Treatment: Coverage for inpatient treatment, day-care treatment, and out-patient treatment of psychiatric issues.
- Dental Care: Coverage for dental examinations, extractions, fillings, scaling/polishing, sealant, and fluoride treatments. This benefit activates after a six-month waiting period.
- Alternative Treatment: Coverage for acupuncture, chiropractic, homeopathy, naturopathy, osteopathy, podiatry, traditional Chinese medicine, and nutrition advice by practitioners.
- Optical Care: Coverage for corrective spectacle lenses, contact lenses, and associated spectacle frames prescribed by the ophthalmologist, as well as eye examinations.
- Maternity Care: Coverage for prenatal care, delivery of baby, and post-natal care. This benefit is only available for females aged 18 or above and has a waiting period of 12 months.
AXA’s Key Benefits for Expats
By enrolling in AXA’s GHA plan, expats in the Philippines enjoy extensive coverage, convenient transactions, mental health counseling, international evacuation, and repatriation services, freedom of choice of doctor, global concierge, 24/7 teleconsultation services, and family packages.
High Coverage Limits for Expats
Expats in the Philippines are covered up to PHP ₱175 million (USD $2,957,500) for inpatient and outpatient treatment. You can also opt for coverage in the U.S. You then can access medical services and professional insurance assistance at a wider geographic location.
Cashless Claims & Direct Billing
AXA can directly pay network providers for eligible medical expenses, so you don’t have to worry about settling the bill before receiving the necessary treatment.
Mental Health & Counseling Benefits
AXA has partnered with Mind You, a psychology clinic to provide clients with mental health counseling services from licensed psychologists.
Emergency Evacuation & Repatriation
All plan levels provide coverage for the transportation expenses associated with emergency medical evacuation in cases of sudden illnesses or injury.
Choose Any Doctor or Hospital
Although treatment in within-network medical facilities is recommended as it is more convenient to settle your bills, you also have the freedom to consult with your chosen specialist even if they are outside AXA’s network. Please note that you may be subjected to reasonable and customary charges.
For the list of accredited clinics and hospitals nationwide, please refer to the links below.
Medical Travel Concierge Support
Access to an all-time available concierge service for travel-related assistance such as flight and travel arrangements for your treatments, and transfers to and from hospitals.
24/7 Telehealth & Online Consultations
You can get expert advice from medical specialists anytime, anywhere through the cutting-edge platform MyPocketDoctor.
Family Plan Discounts & Bundles
If you wish to cover your spouse and children with the same plan, you can enjoy a 15% premium reduction, as long as a total of three members are enrolled. You and your family can gain peace of mind knowing that quality healthcare is around the corner whenever and wherever you are.
AXA Plan Exclusions
AXA excludes any pre-existing conditions. Pre-existing conditions refer to health conditions that you have before obtaining an insurance policy. Depending on the actual condition of your issue, there might be several outcomes after underwriting.
- Full coverage (pre-existing conditions included)
- Coverage for pre-existing conditions with a premium loading or surcharge
- Coverage for pre-existing conditions after a moratorium or waiting period
- No coverage at all
The assessment outcome looks into a variety of factors, such as stability, frequency of treatment, and the health risks of your pre-existing condition.
Note: Doctors might come up with different diagnoses. Whether or not you have a pre-existing condition ultimately depends on the insurer’s appointed doctor and the documentation you submitted. The doctor will come up with a fair decision that determines your plan eligibility and premium rate.
How AXA Premiums Are Calculated
Insurance premiums are calculated based on multiple factors, such as age, payment frequency, area of coverage, and coverage level. It is advisable to carefully consider these factors before taking out a health insurance policy.
Premium Costs by Age
Younger individuals typically enjoy lower premiums, as they are considered less risky. However, premiums tend to increase as you get older. AXA’s Global Health Access accepts everyone from between 15 days old to 70 years old for enrollment.
Flexible Payment Options
Insurance premiums can be paid monthly, quarterly, or annually. It is usually cheaper to pay annually, so if you happen to have the budget to pay the sum upfront at once, then you can enjoy healthcare services at a lower cost.
Location-Based Pricing Differences
Insurance premiums can vary based on your geographic location. Areas with higher healthcare costs or higher instances of specific health conditions may have higher premiums.
AXA Plan Levels Explained
AXA’s Global Health Access Plan is offered at five levels: Silver, Gold Lite, Gold Lite Plus, Gold, and Platinum. Each plan provides a different level of coverage. The fewer the benefits, the lower the premium, and vice versa.
Reduce Premiums with Deductibles
If you wish to reduce your insurance cost, you can choose to pay for the first PHP ₱100,000 (USD $1,690) of your inpatient medical bill. Please note that you only have to pay the annual deductible once every year.
| Plan Secured | Silver | Gold Lite | Gold Lite Plus | Gold | Platinum |
| Premium Reduction Rate | 17% | 25% | 22% | 12% | 12% |
Note: Based on a client aged 40, male
You can also choose a PHP ₱200,000 (USD $3,380) or PHP ₱500,000 (USD $8,450) deductible to get a higher reduction on your premium.
Why Choose a Health Insurance Broker
The benefits of working with a broker are that they provide unbiased information and service at no extra cost. You can easily be overwhelmed by all the available plans in the market. This is where an insurance broker can help you simplify the process.
Insurance brokers work for you rather than for specific insurance companies. Due to the brokers’ unique positioning, they can compare various insurance plans across companies and leverage their knowledge and expertise to uncover the best premium rates for your needs.
Here are a few reasons why working with an insurance broker could be beneficial to you.
Unbiased Insurance Advice
As mentioned, insurance brokers can provide you with valuable and impartial advice on plans and price comparisons. Other than that, they can also delve into the specifics of a given policy to ensure you do not overlook items like exclusions and pre-existing conditions in the fine print.
Broker Support at No Extra Cost
You might be worried that insurance brokers would charge you more than if you were to buy directly from the insurance companies. To put your concerns to rest, we take a margin of the profit from insurance companies so clients do not have to pay for our services.
Brokers essentially are a marketplace in which insurance companies compete to offer the best-valued products to clients. When the market is fierce, insurers might even present us with plans at competitive prices.
Claims & Policy Support Services
Brokers are always on their clients’ side when negotiating with insurers. In other words, we will make sure your questions are promptly answered, help process claims, follow up with insurers, and more.
Save Time With Expert Assistance
Insurance brokers save you time and hassle by dealing with insurance companies regarding your recent claims, purchases, top-ups, and renewals. Brokers can offer you necessary professional advice addressing questions around these issues.
Frequently Asked Questions
What is AXA Philippines’s Global Health Access Plan and what does it cover?
AXA Philippine’s Global Health Access Plan is a comprehensive health insurance plan that includes benefits such as hospitalization, outpatient services, emergency care, and preventive care.
How much does AXA Philippines’s Global Health Access Plan cost?
The cost of AXA Philippines’s Global Health Access Plan varies based on factors like age, coverage limits, and optional features. Contact AXA for personalized pricing details.
What are the eligibility requirements and application process for AXA Philippines’s Global Health Access Plan?
Eligibility requirements for AXA Philippines’s Global Health Access Plan include age limits and medical underwriting. Apply by contacting AXA, providing the necessary documentation, and following their application process.
Conclusion
AXA offers top-notch international health insurance for expats in the Philippines, with a great deal of comprehensiveness and flexibility. Before taking out AXA’s Global Health Access, it is imperative to consider your own medical needs and understand the fine print.
An insurance expert can help you break down the policy in simpler terms so you know what you’re getting out of your insurance plan. That’s why you should consider working with Pacific Prime.
With over 25 years of experience in the insurance industry, we have offices in 15 cities around the world, including in APAC, Europe, and the Middle East. We also provide on-site assistance and support in the Philippines and many other places such as Hong Kong and Dubai.
If you wish to get to know more about all things insurance, talk to our team of expert advisors for impartial advice; or, you can opt for an obligation-free quote with our advanced online quote system. Contact us today!
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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