{"id":14065,"date":"2026-05-12T19:12:20","date_gmt":"2026-05-12T11:12:20","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14065"},"modified":"2026-08-25T18:55:16","modified_gmt":"2026-08-25T10:55:16","slug":"cost-insurance-philippines-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/cost-insurance-philippines-expats.html","title":{"rendered":"Cost of Health Insurance for Expats in the Philippines in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Health insurance for expats in the Philippines costs approximately <\/span><b>USD $4,600<\/b><span style=\"font-weight: 400;\"> per year for individuals and around <\/span><b>USD $12,700<\/b><span style=\"font-weight: 400;\"> for families based on recent averages. Monthly premiums can start at <\/span><b>USD $128<\/b><span style=\"font-weight: 400;\"> for a 30-year-old and go up to <\/span><b>USD $370<\/b><span style=\"font-weight: 400;\"> for a 65-year-old.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you a Philippines expat searching for medical coverage but don\u2019t know how much you can expect to pay? Are you trying to find a reasonable plan with sufficient comprehensive medical coverage?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This blog post will cover the average cost of <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">insurance in the Philippines<\/span><\/a><span style=\"font-weight: 400;\"> and how it has changed over the past five years, and we\u2019ll 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.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>Average Cost of Expat Health Insurance in the Philippines<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30384 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns.webp\" alt=\"Image of National Museum Of Fine Arts Facade In Manila With Stately Columns with text overlay of &quot;Average Cost of Expat Health Insurance in the Philippines&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-manila-with-stately-columns-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The average cost of expat health insurance in the Philippines for an individual plan was <\/span><b>$4,597 <\/b><span style=\"font-weight: 400;\">in 2024. In the same year, the average for a family plan was <\/span><b>$12,668<\/b><span style=\"font-weight: 400;\">. <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">International medical insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> can cost more or less annually depending on your exact situation, benefits, and health needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"3\">\n<h3><b>Table of Average Philippines Insurance Costs for Expats<\/b><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year of Coverage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Average Individual Cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Average Family Cost<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>2024<\/b><\/td>\n<td><b>$4,597<\/b><\/td>\n<td><b>$12,668<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,428<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,199<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2021<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,205<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,062<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,855<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,661<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,552<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$10,594<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2018<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,212<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$9,975<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">To see the average cost of international health insurance in different countries, read Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">The Cost of International Health Insurance Report 2024<\/span><\/a><span style=\"font-weight: 400;\">. Pacific Prime puts out a similar report annually.<\/span><\/p>\n<h3><b>Sample Medical Insurance Premium Costs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">We have gathered cost estimates for expat medical insurance in the Philippines ranging from <\/span><b>$128 \u2013 $371<\/b><span style=\"font-weight: 400;\"> for a 30-year-old, <\/span><b>$185 \u2013 $436<\/b><span style=\"font-weight: 400;\"> for a 50-year-old, and <\/span><b>$370 \u2013 $753<\/b><span style=\"font-weight: 400;\"> for a 65-year-old. To break down the idea of health coverage price, check out our charts of these cost samples below.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These samples are meant to provide a general estimate of plan costs, as your personal medical profile will ultimately influence the final price.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-38' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_1.jpg\" alt=\"Blog Banner Philippines 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><b>30-Year-Old Female<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The following international health insurance plans and their premium estimates are for a <\/span><b>30-year-old female expat living in the Philippines for over a year<\/b><span style=\"font-weight: 400;\">. All plans include inpatient care, emergency repatriation benefits, and emergency evacuation, with some offering additional coverage.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"5\"><b>Sample Insurance Costs for 30-Year-Old Philippines Expat<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plan Name<\/span><\/td>\n<td><b>Premium Cost (Monthly)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Annual Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Deductible<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Care Plus (Bloom)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">256<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,015<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">April International<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Essential<\/span><\/td>\n<td><span style=\"font-weight: 400;\">133<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AXA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard<\/span><\/td>\n<td><span style=\"font-weight: 400;\">128<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">400<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cigna<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Silver<\/span><\/td>\n<td><span style=\"font-weight: 400;\">371<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">375<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">William Russell<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bronze<\/span><\/td>\n<td><span style=\"font-weight: 400;\">149<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These cost samples are pulled from our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">online expat insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">. You can use this tool yourself to look deeper into these insurance plans and to see hundreds of other quotes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have questions about the plans you see above, or if you\u2019d like help comparing plans or quotes, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk to our insurance experts today<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><b>50-Year-Old Male<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The following international health insurance plans and their premium estimates are for a <\/span><b>50-year-old male expat living in the Philippines for over a year<\/b><span style=\"font-weight: 400;\">. All plans include inpatient care, emergency evacuation, and emergency repatriation benefits, with some offering additional coverage.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"5\"><b>Sample Insurance Costs for 50-Year-Old Philippines Expat<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plan Name<\/span><\/td>\n<td><b>Premium Cost (Monthly)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Annual Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Deductible<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Care Plus<\/span><\/td>\n<td><span style=\"font-weight: 400;\">298<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,015<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">April International<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Comfort<\/span><\/td>\n<td><span style=\"font-weight: 400;\">327<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AXA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard<\/span><\/td>\n<td><span style=\"font-weight: 400;\">185<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cigna<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Silver<\/span><\/td>\n<td><span style=\"font-weight: 400;\">436<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">William Russell<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bronze<\/span><\/td>\n<td><span style=\"font-weight: 400;\">255<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These cost samples are pulled from our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">online expat insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">. You can use this tool yourself to look deeper into these insurance plans and to see hundreds of other quotes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have questions about the plans you see above, or if you\u2019d like help comparing plans or quotes, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk to our insurance experts today<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><b>65-Year-Old Female<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The following international health insurance plans and their premium estimates are for a <\/span><b>65-year-old female expat living in the Philippines for over a year<\/b><span style=\"font-weight: 400;\">. Each plan includes inpatient, emergency evacuation, and emergency repatriation coverage benefits. Some plans offer additional benefits.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"5\"><b>Sample Insurance Costs for 65-Year-Old Philippines Expat<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Insurer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Plan Name<\/span><\/td>\n<td><b>Premium Cost (Monthly)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Annual Limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Deductible<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Allianz<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Care Plus<\/span><\/td>\n<td><span style=\"font-weight: 400;\">702<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,015<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">April International<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Essential<\/span><\/td>\n<td><span style=\"font-weight: 400;\">498<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AXA<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard<\/span><\/td>\n<td><span style=\"font-weight: 400;\">370<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cigna<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Silver<\/span><\/td>\n<td><span style=\"font-weight: 400;\">753<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">William Russell<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bronze<\/span><\/td>\n<td><span style=\"font-weight: 400;\">705<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,600<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">These cost samples are pulled from our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">online expat insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">. You can explore this tool on your own to examine these plans in more detail and access hundreds of additional quotes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have questions about the plans you see above, or if you\u2019d like help comparing plans or quotes, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">talk to our insurance experts today<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-39' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_2.jpg\" alt=\"Blog Banner Philippines 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Top International Insurance Providers for the Philippines<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-philippines-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top international insurance providers in the Philippines<\/span><\/a><span style=\"font-weight: 400;\"> are highly competitive, competent, and comprehensive when it comes to their health coverage. Let\u2019s introduce each so you can get an idea of which ones may serve your needs the best.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\">: Cigna Global has four core IHI plans for expats: <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">, <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">, <\/span><b>Platinum<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Close Care<\/b><span style=\"font-weight: 400;\">. Cigna\u2019s insurance products include individual and family health insurance, dental insurance, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, employee plans and policies, <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/\"><span style=\"font-weight: 400;\">employer group solutions<\/span><\/a><span style=\"font-weight: 400;\">, and more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\">: Allianz Care offers three main plans for expat individuals and families: <\/span><b>Care Base<\/b><span style=\"font-weight: 400;\">, <\/span><b>Care Enhanced<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Care Signature<\/b><span style=\"font-weight: 400;\"> plans. These products include inpatient, emergency outpatient, and emergency dental treatment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\">: IMG Global provides its IHI plan through a Global Medical Plan, available in four different categories of coverage: <\/span><b>Bronze<\/b><span style=\"font-weight: 400;\">, <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">, <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Platinum<\/b><span style=\"font-weight: 400;\">. Their benefits include inpatient care, prescription coverage, cancer treatment, and medical emergency coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/now-health\/\"><span style=\"font-weight: 400;\">NOW Health<\/span><\/a><span style=\"font-weight: 400;\">: NOW Health\u2019s most comprehensive plan is called <\/span><b>WorldCare<\/b><span style=\"font-weight: 400;\">, and there are four different policy coverage options. Now Health also offers <\/span><b>SimpleCare<\/b><span style=\"font-weight: 400;\"> plans in most countries when the price of insurance premiums is a major concern. SimpleCare has three different tiers of coverage options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/pacific-cross\/\"><span style=\"font-weight: 400;\">Pacific Cross<\/span><\/a><span style=\"font-weight: 400;\">: Pacific Cross lets its members choose a <\/span><b>Major Medical International<\/b><span style=\"font-weight: 400;\"> plan, a <\/span><b>Standard International<\/b><span style=\"font-weight: 400;\"> plan, a <\/span><b>Comprehensive International<\/b><span style=\"font-weight: 400;\"> plan, or a <\/span><b>Premier International<\/b><span style=\"font-weight: 400;\"> plan. Pacific Cross also includes <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/dental\/\"><span style=\"font-weight: 400;\">dental<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel<\/span><\/a><span style=\"font-weight: 400;\">, and vision coverage with inpatient and outpatient care.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><span style=\"font-weight: 400;\">William Russell<\/span><\/a><span style=\"font-weight: 400;\">: William Russell offers four standard health insurance plans: <\/span><b>Bronze<\/b><span style=\"font-weight: 400;\">, <\/span><b>SilverLite<\/b><span style=\"font-weight: 400;\">, <\/span><b>Silver<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Gold<\/b><span style=\"font-weight: 400;\">. These products can include inpatient, emergency outpatient, dental, and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity coverage<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\">: AXA has five main international health insurance plans for expats: <\/span><b>Foundation<\/b><span style=\"font-weight: 400;\">, <\/span><b>Standard<\/b><span style=\"font-weight: 400;\">, <\/span><b>Comprehensive<\/b><span style=\"font-weight: 400;\">, <\/span><b>Prestige<\/b><span style=\"font-weight: 400;\">, and<\/span><b> Prestige Plus<\/b><span style=\"font-weight: 400;\">. Plan benefits include inpatient, outpatient, emergency medical, maternity care, and much more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions (BCBSGS)<\/span><\/a><span style=\"font-weight: 400;\">: They provide three different types of plans to meet the needs of expats and travelers. <\/span><b>Voyager <\/b><span style=\"font-weight: 400;\">is single-trip medical insurance. <\/span><b>Trekker <\/b><span style=\"font-weight: 400;\">is short-term multi-trip travel medical insurance. <\/span><b>Xplorer <\/b><span style=\"font-weight: 400;\">is BCBSGS\u2019s long-term health insurance for expats.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI<\/span><\/a><span style=\"font-weight: 400;\">: VUMI offers a Global Flex VIP plan with five different levels of coverage: <\/span><b>Basic<\/b><span style=\"font-weight: 400;\">, <\/span><b>Standard<\/b><span style=\"font-weight: 400;\">, <\/span><b>Superior<\/b><span style=\"font-weight: 400;\">, <\/span><b>Ultra<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Total<\/b><span style=\"font-weight: 400;\">. Benefits for these plans can include inpatient care, dental care, optical care, maternity care, and more.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/april-international\/\"><span style=\"font-weight: 400;\">April International<\/span><\/a><span style=\"font-weight: 400;\">: April International\u2019s main health insurance product for expats is called <\/span><b>MyHealth International<\/b><span style=\"font-weight: 400;\">. 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.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">To get an insurance quote for any of these providers, use our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">online expat insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\">. It allows you to compare hundreds of plans side by side, read plan details, and save your favorite quotes for later reference.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-40' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_3.jpg\" alt=\"Blog Banner Philippines 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>How do expats pay medical bills in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Expats can <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">pay their medical bills in the Philippines<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<h3><b>What is the healthcare system like in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/healthcare-system-in-philippines-for-expats.html\"><span style=\"font-weight: 400;\">healthcare system in the Philippines<\/span><\/a><span style=\"font-weight: 400;\"> 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.<\/span><\/p>\n<h3><b>Why is medical evacuation coverage crucial for expats?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">We\u2019ve now discussed the cost of health insurance for foreigners and expats living in the Philippines. If you found this article beneficial, you\u2019ll also want to read our blog posts <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/dental-insurance-philippines.html\"><span style=\"font-weight: 400;\">Dental Insurance in Philippines for Expats<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/philippines-health-insurance-long-term-visitors.html\"><span style=\"font-weight: 400;\">Philippines Health Insurance For Long-Term Visitors<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To talk to an insurance expert and get personal advice, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">fill out our contact form<\/span><\/a><span style=\"font-weight: 400;\">. You can also dive into <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">comparing insurance quotes<\/span><\/a><span style=\"font-weight: 400;\"> on your own.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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. Are you a Philippines expat searching for medical coverage but don\u2019t &#8230;<\/p>\n","protected":false},"author":63,"featured_media":30383,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-14065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cost of Insurance for Expats in the Philippines in 2026<\/title>\n<meta name=\"description\" content=\"Health insurance for expats in the Philippines costs about $4,600 per year for individuals and about $12,700 for families in a 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