What is the Cost of Insurance in the Philippines for Expats?
Individual health insurance plans in the Philippines on average cost $4,428 annually in 2022 while family medical plans cost $12,199. A 30-year-old can get coverage for as low as $32 a month, while a 65-year-old can get coverage for as low as $112 a month.
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Your age, country of residence, level of coverage, and medical situation all affect the final cost of your medical insurance plan. Even factors such as your selected deductible and copay percentage can slide your premium cost up and down a scale.
Are you a Philippines expat searching for medical coverage but don’t know what to expect paying? 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 last 5 years, and we’ll also provide several dozen insurance quotes so you can see real plans and real cost estimates for a 30-year-old, 50-year-old, and 65-year-old.
If you have any questions, you can reach out to our insurance experts and compare quotes on your own.
You’ll also find value in reading up on how the healthcare system is organized in the Philippines.
Average Cost of Expat Health Insurance in the Philippines
The average cost of expat health insurance in the Philippines for an individual plan was $4,428 in 2022. In the same year, the average for a family plan was $12,199. International medical insurance plans can cost more or less annually depending on your exact situation, benefits, and health needs.
Health insurance prices are on a steady rise, and they have been for a while. The following chart demonstrates how the cost of medical coverage in the Philippines has changed over a five-year period from 2018 – 2022, and it can help you predict how they may continue to change in the future.
Table of Average Philippines Insurance Costs for Expats |
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| Year of Coverage | Average Individual Cost | Average Family Cost |
| 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 2023. 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 $32 – $68 for a 30-year-old, $53 – $127 for a 50-year-old, and $112 – $312 for a 65-year-old. To break down the idea of health coverage price, check out our charts of these cost samples below.
The following samples are only intended to give you an idea of how much your plan may cost you because your individual medical situation will affect your final cost.
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. Each plan includes inpatient, emergency evacuation, and emergency repatriation coverage benefits. Some plans offer additional benefits.
Sample Insurance Costs for 30-Year-Old Philippines Expat |
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| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| NOW Health | SimpleCare Core | $32 | $1,000,000 | $15,000 |
| AXA | Standard | $39 | $1,600,000 | $16,000 |
| A+ International | Plan 1 | $45 | $200,000 | $5,000 |
| April International | Emergency | $45 | $250,000 | $0 |
| LUMA | Plan 1 | $46 | $1,000,000 | $10,000 |
| Tokio Marine | Primary | $47 | $4,332,000 | $10,108 |
| Morgan Price | Standard | $52 | $500,000 | $10,000 |
| Allianz | Care | $57 | $2,500,000 | $13,500 |
| AXA | Foundation | $61 | $160,000 | $1,600 |
| April International | Essential | $68 | $1,000,000 | $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!
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. Each plan includes inpatient, emergency evacuation, and emergency repatriation coverage benefits. Some plans offer additional benefits.
Sample Insurance Costs for 50-Year-Old Philippines Expat |
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| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| NOW Health | SimpleCare Core | $53 | $1,000,000 | $15,000 |
| AXA | Standard | $78 | $1,600,000 | $16,000 |
| A+ International | Plan 1 | $93 | $200,000 | $5,000 |
| April International | Basic | $93 | $500,000 | $5,000 |
| LUMA | Plan 1 | $87 | $1,000,000 | $10,000 |
| Tokio Marine | Primary | $87 | $4,332,000 | $10,108 |
| Morgan Price | Standard | $127 | $500,000 | $10,000 |
| Allianz | Care | $90 | $2,500,000 | $13,500 |
| AXA | Foundation | $111 | $160,000 | $1,600 |
| April International | Essential | $113 | $1,000,000 | $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 |
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| Insurer | Plan Name | Premium Cost (Monthly) | Annual Limit | Deductible |
| NOW Health | SimpleCare Core | $112 | $1,000,000 | $15,000 |
| AXA | Standard | $135 | $1,600,000 | $16,000 |
| April International | Basic | $159 | $500,000 | $5,000 |
| LUMA | Plan 1 | $183 | $1,000,000 | $10,000 |
| Tokio Marine | Primary | $164 | $4,332,000 | $10,108 |
| Morgan Price | Standard | $312 | $500,000 | $10,000 |
| Allianz | Care | $199 | $2,500,000 | $13,500 |
| AXA | Foundation | $212 | $160,000 | $1,600 |
| April International | Essential | $256 | $1,000,000 | $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!
Top International Insurance Providers for the Philippines
The top 10 insurance providers of international health insurance for foreigners living in the Philippines are Cigna, Allianz, IMG Global, HOW Health, Pacific Cross, William Russel, AXA, GeoBlue, 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 international health insurance 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: Allianz Care, Allianz Care Plus, and Allianz Care Pro plans. These products include inpatient, emergency outpatient, and emergency dental treatment.
- IMG Global: IMG Global provides its international health insurance 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.
- GeoBlue: GeoBlue provides 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 GeoBlue’s long-term health insurance for expatriates.
- 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 you 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.
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.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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