{"id":14071,"date":"2026-02-12T10:34:43","date_gmt":"2026-02-12T02:34:43","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14071"},"modified":"2026-02-12T13:04:57","modified_gmt":"2026-02-12T05:04:57","slug":"img-insurance-philippines-for-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/img-insurance-philippines-for-expats.html","title":{"rendered":"IMG Health Insurance for Expats in the Philippines: Plans, Coverage &#038; Costs"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Expats living in the Philippines can benefit from reliable healthcare coverage through IMG&#8217;s health insurance options: Bronze, Silver, Gold, and Platinum. Each plan offers access to top hospitals, financial protection during medical emergencies, and international support throughout your stay.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re already residing in the Philippines or planning to relocate, IMG health insurance is our recommended choice, with its plans including everything from routine care and emergency services to specialized treatment and global evacuation support.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Pacific Prime article will go into detail on IMG\u2019s health insurance options, their advantages, areas of health coverage, and the factors that determine the cost of IMG\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">health insurance in the Philippines<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/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>About IMG Health Insurance for Expats in the Philippines<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28477 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines.webp\" alt=\"Image of National Museum Of Fine Arts Exterior In Central Manila, Philippines with text overlay of &quot;About IMG Health Insurance for Expats in the Philippines&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-exterior-in-central-manila-philippines-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Since 1990, the <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/img\/\"><span style=\"font-weight: 400;\">International Medical Group (IMG)<\/span><\/a><span style=\"font-weight: 400;\"> has provided expats in the Philippines with international medical insurance products covering a comprehensive range of major medical, life, dental, and disability products.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their health insurance operations emphasize the importance of customer service above all else, offering multilingual services and international coverage for globetrotters who require easy and affordable access to the best healthcare services and peace of mind.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Listed below are some key facts about IMG Global:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multilingual Support: <\/b><span style=\"font-weight: 400;\">IMG Global provides in-house support in 18 languages\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Global Support:<\/b><span style=\"font-weight: 400;\"> IMG Global provides support in over 190 countries, including the Philippines<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible Solutions: <\/b><span style=\"font-weight: 400;\">IMG Global offers 25 unique insurance plans to meet your needs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Large Networks:<\/b><span style=\"font-weight: 400;\"> IMG Global has over <\/span><span style=\"font-weight: 400;\">1 million doctors and teledocs<\/span><span style=\"font-weight: 400;\"> in its global database<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Globally Recognized:<\/b><span style=\"font-weight: 400;\"> IMG Global is in agreement with approximately 43,000 producers<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">IMG Insurance Plan Tiers Available in the Philippines<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">IMG Global offers its international health insurance plan through the <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/img\/\"><span style=\"font-weight: 400;\">Global Medical Plan<\/span><\/a><span style=\"font-weight: 400;\">, which is available in four coverage levels: <\/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;\">. <\/span><span style=\"font-weight: 400;\">Each level offers different tiers of coverage and benefits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Designed for expatriate individuals and families planning to travel long-term, such as for a duration of one year or more, international health insurance provided by IMG Global ensures comprehensive benefits. For more details on each plan, read more on our <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/img\/\"><span style=\"font-weight: 400;\">IMG partner page<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">IMG Bronze Plan: Basic Global Medical Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Bronze plan provides comprehensive coverage with a lifetime maximum limit of <\/span><b>USD $1,000,000<\/b><span style=\"font-weight: 400;\"> and a flexible deductible ranging from <\/span><span style=\"font-weight: 400;\">USD $250 to USD $10,000 <\/span><span style=\"font-weight: 400;\">per period of coverage. It covers treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A summary of the benefits is listed below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifetime Maximum Limit:<\/b><span style=\"font-weight: 400;\"> USD $1,000,000 per individual<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible (Per period of coverage):<\/b><span style=\"font-weight: 400;\"> USD $250 to USD $10,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment Outside the U.S.:<\/b><span style=\"font-weight: 400;\"> 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. using a Medical Concierge:<\/b><span style=\"font-weight: 400;\"> 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 Non-PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance:<\/b><span style=\"font-weight: 400;\"> International \u2013 100%, U.S. in-network \u2013 100%, U.S. out-of-network \u2013 80%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Outpatient:<\/b><span style=\"font-weight: 400;\"> USD $300 maximum per visit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mental\/Nervous:<\/b><span style=\"font-weight: 400;\"> N\/A<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Injury:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Illness:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance. Covered only if admitted as an inpatient.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitalization \/ Room &amp; Board:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance for the average semi-private room rate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intensive Care Unit:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance.<\/span><\/li>\n<\/ul>\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<h3><span style=\"font-weight: 400;\">IMG Silver Plan: Enhanced Health Insurance Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Silver plan offers enhanced coverage with a lifetime maximum limit of<\/span> <b>USD $5,000,000<\/b> <span style=\"font-weight: 400;\">and a deductible range of<\/span><span style=\"font-weight: 400;\"> USD $250 to USD $10,000 <\/span><span style=\"font-weight: 400;\">per period of coverage. It provides comprehensive coverage for domestic and international treatments, including coverage for emergencies and hospitalization.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A summary of the benefits is listed below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifetime Maximum Limit:<\/b><span style=\"font-weight: 400;\"> USD $5,000,000 per individual<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible (Per period of coverage):<\/b><span style=\"font-weight: 400;\"> USD $250 to USD $10,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment Outside the U.S.: <\/b><span style=\"font-weight: 400;\">50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. using a Medical Concierge: <\/b><span style=\"font-weight: 400;\">50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 Non-PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance:<\/b><span style=\"font-weight: 400;\"> International \u2013 100%, U.S. in-network \u2013 100%, U.S. out-of-network \u2013 80%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Outpatient:<\/b><span style=\"font-weight: 400;\"> USD $300 maximum per visit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mental\/Nervous:<\/b> <span style=\"font-weight: 400;\">Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Injury:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Illness: <\/b><span style=\"font-weight: 400;\">Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitalization \/ Room &amp; Board:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance for the average semi-private room rate. All are subject to USD $600 per day\/240-day maximum.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intensive Care Unit:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance. USD $1,500 limit per day \u2013 180 days of coverage per event.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">IMG Gold Plan: Comprehensive International Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Gold plan offers robust coverage with a lifetime maximum limit of<\/span><b> USD $5,000,000 <\/b><span style=\"font-weight: 400;\">and a deductible range of USD $250 to USD $25,000 per period of coverage. It provides coverage for treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A summary of the benefits is listed below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifetime Maximum Limit: <\/b><span style=\"font-weight: 400;\">USD<\/span> <span style=\"font-weight: 400;\">$5,000,000 per individual<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible (Per period of coverage):<\/b><span style=\"font-weight: 400;\"> USD<\/span> <span style=\"font-weight: 400;\">$250 to USD<\/span> <span style=\"font-weight: 400;\">$25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment Outside the U.S.: <\/b><span style=\"font-weight: 400;\">50% of deductible waived, up to a maximum of USD<\/span> <span style=\"font-weight: 400;\">$2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. using Medical Concierge:<\/b><span style=\"font-weight: 400;\"> 50% of deductible waived, up to a maximum of USD<\/span> <span style=\"font-weight: 400;\">$2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 Non-PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. Plan pays 80% of the next USD<\/span> <span style=\"font-weight: 400;\">$5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance:<\/b><span style=\"font-weight: 400;\"> International \u2013 100%, U.S. in-network \u2013 100%, U.S. out-of-network \u2013 80%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Outpatient:<\/b><span style=\"font-weight: 400;\"> Subject to deductibles and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mental\/Nervous:<\/b> <span style=\"font-weight: 400;\">Subject to deductible and coinsurance. USD $10,000 maximum. Available after 12 months of continuous coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Injury: <\/b><span style=\"font-weight: 400;\">Subject to deductible and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Illness:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitalization \/ Room &amp; Board:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance for the average semi-private room rate.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">IMG Platinum Plan: Premium Global Medical Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Platinum plan offers the highest lifetime maximum limit of USD $8,000,000 and a flexible deductible ranging from USD $100 to USD $25,000 per period.<\/span><span style=\"font-weight: 400;\"> It provides coverage for treatments both inside and outside the U.S., including emergencies and hospitalizations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A summary of the benefits is listed below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifetime Maximum Limit:<\/b> <span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$8,000,000 per individual<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Deductible (Per period of coverage):<\/b> <span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$100 to <\/span><span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$25,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment Outside the U.S.:<\/b><span style=\"font-weight: 400;\"> 50% of deductible waived, up to a maximum of <\/span><span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. using Medical Concierge:<\/b><span style=\"font-weight: 400;\"> 50% of deductible waived, up to a maximum of <\/span><span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$2,500. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. No coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treatment inside the U.S. \u2013 Non-PPO Network:<\/b><span style=\"font-weight: 400;\"> Subject to deductible. Plan pays 80% of the next <\/span><span style=\"font-weight: 400;\">USD <\/span><span style=\"font-weight: 400;\">$5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coinsurance:<\/b><span style=\"font-weight: 400;\"> International \u2013 100%, U.S. in-network \u2013 100%, U.S. out-of-network \u2013 80%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Outpatient: <\/b><span style=\"font-weight: 400;\">Subject to deductibles and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mental\/Nervous:<\/b> <span style=\"font-weight: 400;\">Subject to deductible and coinsurance. USD $50,000 lifetime maximum. Available after 12 months of continuous coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Injury:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospital Emergency Room Illness:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitalization \/ Room &amp; Board:<\/b><span style=\"font-weight: 400;\"> Subject to deductible and coinsurance for the average <\/span><span style=\"font-weight: 400;\">semi-private<\/span><span style=\"font-weight: 400;\"> room rate.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intensive Care Unit:<\/b> <span style=\"font-weight: 400;\">Subject to deductible and coinsurance.\u00a0<\/span><\/li>\n<\/ul>\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>Key Benefits of IMG Health Insurance for Expats<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">By taking out IMG Global Health Insurance, expats in the Philippines can enjoy global support, services without obstacles, accessible insurtech, international provider access, financial stability, international emergency care, and lifetime coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The advantages are as follows:\u00a0<\/span><\/p>\n<h3><b>Worldwide Assistance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMG&#8217;s global network of offices and consultants provides assistance whenever you need it. <\/span><span style=\"font-weight: 400;\">Their corporate mission is to be there to protect your finances and ensure your access to healthcare services.\u00a0<\/span><\/p>\n<p><b>Hassle-Free Services<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The worldwide, multilingual experts at IMG are accustomed to juggling different time zones, languages, and currencies. This means you can rest assured that you will receive the quality treatment you require while in the Philippines, <\/span><span style=\"font-weight: 400;\">thanks to their extensive global network.\u00a0<\/span><\/p>\n<h3><b>Customizable Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMG Global offers a wide range of insurance plans to accommodate different needs and budgets through the option to add supplemental benefits like dental and vision coverage.\u00a0<\/span><\/p>\n<h3><b>Accessible and User-Friendly Technology<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With an IMG health insurance plan, you have access to <\/span><a href=\"https:\/\/www.imglobal.com\/member\/login\"><span style=\"font-weight: 400;\">myIMGSM<\/span><\/a><span style=\"font-weight: 400;\">, a secure, round-the-clock online portal where you can<\/span><span style=\"font-weight: 400;\"> submit and view claims, manage your account, look for doctors, chat with agents, and more.\u00a0<\/span><\/p>\n<h3><b>Mental Wellness<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">When you need support adjusting to a new culture, a new school, a new job, or just making new friends while you are away from home, IMG offers mental health services like virtual counseling.\u00a0<\/span><\/p>\n<h3><b>Worldwide Access to Providers<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Thanks to IMG\u2019s proprietary<\/span> <a href=\"https:\/\/ipa.imglobal.com\/\"><span style=\"font-weight: 400;\">IPA network<\/span><\/a> <span style=\"font-weight: 400;\">of over 17,000 accomplished physicians and facilities, you can access quality private healthcare anywhere in the world, including the Philippines. This is in addition to their extensive PPO network, which also covers treatments received within the US.\u00a0<\/span><\/p>\n<h3><b>Financial Security and Stability<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Policyholders from all over the world can rest easy knowing that IMG has the backing of reputable underwriters like <\/span><a href=\"https:\/\/www.lloyds.com\/\"><span style=\"font-weight: 400;\">Lloyd\u2019s<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.siriuspt.com\/\"><span style=\"font-weight: 400;\">Sirius International Insurance Corporation<\/span><\/a><span style=\"font-weight: 400;\">, both of which have excellent reputations and financial stability ratings.<\/span><\/p>\n<h3><b>Global Emergency Care<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">You might not have the luxury of waiting for normal business hours if a medical emergency happens while you are away from home. At all times, you can reach IMG\u2019s on-site medical staff, who are highly trained in emergency medical services and international treatment coordination.<\/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>What IMG Health Insurance Covers in the Philippines<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">IMG\u2019s health insurance provides expats in the Philippines with coverage for primary medical care, emergency evacuation, emergency reunions, return of mortal remains, political evacuation and repatriation, maternity care, and pre-existing condition coverage.<\/span><\/p>\n<h3><b>Primary Healthcare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Whether you need emergency treatment or regular checkups, IMG plans give the cross-border medical coverage you need to keep medical expenses manageable.<\/span><\/p>\n<h3><b>Emergency Evacuation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This coverage guarantees that if you require emergency medical evacuation due to an unexpected illness or injury, you will be transported to the nearest qualified medical facility. It also covers any reasonable transportation costs associated with the evacuation.<\/span><\/p>\n<h3><b>Emergency Reunion<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In the event of a medical emergency, the Emergency Reunion Benefit covers the travel and lodging expenses of a relative or friend. <\/span><span style=\"font-weight: 400;\">This coverage can pay for their travel to you or for accompanying you during the evacuation.<\/span><\/p>\n<h3><b>Return of Mortal Remains<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If a covered illness or injury results in death, the Return of Mortal Remains benefit provides coverage for the repatriation of your bodily remains or ashes to your home country. Alternatively, it may cover the costs associated with the preparation, burial, or cremation of your mortal remains.<\/span><\/p>\n<h3><b>Political Evacuation and Repatriation<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This benefit is available specifically on the <\/span><a href=\"https:\/\/www.imglobal.com\/international-health-insurance\/global-medical-insurance\"><span style=\"font-weight: 400;\">Global Medical Insurance \u2013 Platinum plan<\/span><\/a><span style=\"font-weight: 400;\">. In the event of political unrest or other dangerous situations, it covers the transportation costs for your evacuation <\/span><span style=\"font-weight: 400;\">and the expenses of repatriation to your home country.\u00a0<\/span><\/p>\n<h3><b>Maternity Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Also available on the <\/span><a href=\"https:\/\/www.imglobal.com\/international-health-insurance\/global-medical-insurance\"><span style=\"font-weight: 400;\">Global Medical Insurance \u2013 Platinum plan<\/span><\/a><span style=\"font-weight: 400;\">, the Maternity Benefit provides coverage for various aspects of pregnancy and childbirth. This includes coverage for prenatal care, delivery, postnatal care, and newborn care.<\/span><\/p>\n<h3><b>Pre-Existing Condition Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Once you have maintained coverage for a specified period, this benefit becomes available to you. It provides coverage for pre-existing conditions that may have been excluded from coverage, meaning that any medical conditions you had prior to obtaining the insurance will be covered.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-63' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\nh3.banner-insurers-title {\n  width: 170px\n}\n\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-philippines-bg.png');\n\n  }\n  div.banner-insurers-card-image img.bupa {\n    width: 50px;\n    height: 50px;\n  }\n  h3.banner-insurers-title {\n    width: 320px\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-philippines-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Philippines<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Philippines ends --><\/div>\n<\/span><\/p>\n<h2><b>IMG Health Insurance Costs for Expats in the Philippines<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Several factors contribute to the overall cost of IMG health insurance for expats in the Philippines, including the age of the policyholder, the policy\u2019s coverage area, the policyholder\u2019s gender, the plan\u2019s level of coverage, and the policyholder\u2019s medical history.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a result, expats should consider the following prior to taking out IMG health insurance for their stay in the Philippines:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Policyholder Age:<\/b><span style=\"font-weight: 400;\"> As policyholders get older, they become more susceptible to illnesses and health conditions, which insurers factor into premium calculations.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Area of Coverage:<\/b><span style=\"font-weight: 400;\"> Including the United States in the coverage area increases premiums due to the country\u2019s high medical costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Payment Frequency:<\/b><span style=\"font-weight: 400;\"> Paying annually can reduce premiums, as IMG offers discounts for full upfront payments compared to monthly or quarterly options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gender:<\/b><span style=\"font-weight: 400;\"> Premiums may vary by sex, with women of childbearing age often facing higher costs due to potential maternity expenses, while men\u2019s premiums may increase with age due to shorter life expectancy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage Level:<\/b><span style=\"font-weight: 400;\"> Plans with more comprehensive benefits and optional add-ons have higher premiums, reflecting the level of protection selected.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medical History:<\/b><span style=\"font-weight: 400;\"> Insurers assess medical history during underwriting to evaluate health risks, which can influence eligibility and premium pricing.<\/span><\/li>\n<\/ul>\n<h2><b>Tips Before Choosing IMG Insurance in the Philippines<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Prior to moving to the Philippines, expats should carefully consider taking out the best health insurance policies. Fortunately, IMG health insurance provides comprehensive coverage and access to the best private hospitals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you need help, feel free to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">reach out to our brokers<\/span><\/a><span style=\"font-weight: 400;\"> today to receive a complimentary quote for an IMG Global insurance plan, along with unbiased advice. Unlike insurance agents, insurance brokers, such as Pacific Prime, maintain impartiality in providing guidance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While you\u2019re at it, it\u2019s also worthwhile to read up on the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">Philippines health insurance<\/span><\/a><span style=\"font-weight: 400;\"> as a guide, the <\/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;\">, or learn more about <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/cigna-philippines-insurance-solutions-expats.html\"><span style=\"font-weight: 400;\">Cigna Philippines health insurance for expats<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you prefer to contact us or conduct a <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-old\/\"><span style=\"font-weight: 400;\">quote comparison<\/span><\/a><span style=\"font-weight: 400;\"> yourself on our website, we are here to assist you. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us today<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/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>Frequently Asked Questions<\/b><\/h2>\n<h3><b>Can I use my US health insurance in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Generally, most U.S. health insurance plans do not provide coverage outside the United States, including in the Philippines. U.S. expats staying long-term in the Philippines should opt for international health insurance, which can provide comprehensive health coverage in several selected countries.\u00a0<\/span><\/p>\n<h3><b>Can a foreigner go to the hospital in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Foreigners can receive medical care at hospitals in the Philippines. Both private and public hospitals treat international patients, but many facilities require upfront payment or proof of ability to pay. Having travel or international health insurance is highly recommended to help cover costs.<\/span><\/p>\n<h3><b>What factors affect the cost of IMG Global Health Insurance in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Several factors contribute to the cost of IMG Global health insurance, including the policyholder\u2019s age, coverage area, gender, payment frequency, coverage level, and medical history. These factors are taken into account when calculating the premium for each policyholder.<\/span><\/p>\n<h3><b>Why do expats in the Philippines choose IMG Global Health Insurance?\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMG Global is the preferred choice for expats due to its outstanding member service, extensive medical benefits, and wide range of insurance options. IMG Global caters to individuals, families, businesses, students, and professionals, ensuring that everyone can find an insurance solution.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-69' 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_V2_Philippines.png\" alt=\"Insurers recommendation blog banner Philippines v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Philippines\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expats living in the Philippines can benefit from reliable healthcare coverage through IMG&#8217;s health insurance options: Bronze, Silver, Gold, and Platinum. Each plan offers access to top hospitals, financial protection during medical emergencies, and international support throughout your stay.\u00a0 Whether you\u2019re already residing in the Philippines or planning to relocate, IMG health insurance is our &#8230;<\/p>\n","protected":false},"author":95,"featured_media":28476,"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-14071","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 v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IMG Health Insurance for Expats in the Philippines: Plans, Coverage &amp; Costs<\/title>\n<meta name=\"description\" content=\"A guide to IMG health insurance for expats in the Philippines, covering Bronze to Platinum plans, key benefits, and the factors influencing premiums.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/img-insurance-philippines-for-expats.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IMG Health Insurance for Expats in the Philippines: Plans, Coverage &amp; Costs\" \/>\n<meta property=\"og:description\" content=\"A guide to IMG health insurance for expats in the Philippines, covering Bronze to Platinum plans, key benefits, and the factors influencing premiums.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/img-insurance-philippines-for-expats.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-12T02:34:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-12T05:04:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/globe-landmark-outside-a-major-shopping-complex-in-pasay-metro-manila.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1244\" \/>\n\t<meta property=\"og:image:height\" content=\"700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Palida Weerawat\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Palida Weerawat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/img-insurance-philippines-for-expats.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/img-insurance-philippines-for-expats.html\"},\"author\":{\"name\":\"Palida Weerawat\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/df135afde737182d792c1839f3b2e248\"},\"headline\":\"IMG Health Insurance for Expats in the Philippines: Plans, Coverage &#038; 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