{"id":19050,"date":"2026-01-15T19:02:27","date_gmt":"2026-01-15T11:02:27","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=19050"},"modified":"2026-01-16T01:15:24","modified_gmt":"2026-01-15T17:15:24","slug":"pacific-cross-insurance-philippines-for-expats","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/pacific-cross-insurance-philippines-for-expats.html","title":{"rendered":"Pacific Cross Health Insurance in the Philippines for Expats"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Expats in the Philippines can rely on Pacific Cross for trusted and flexible health insurance coverage. With more than 70 years of experience, this insurer provides affordable plans to support international residents with medical emergencies, hospitalization, accidents, and travel protection.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you want a standalone plan or a top-up to complement your existing HMO, Pacific Cross offers options to match different budgets and needs. Its strong regional presence and long-standing reputation make it a reliable choice for expats seeking comprehensive health support in the Philippines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the Pacific Prime article, we\u2019ll dive deep into <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers\/pacific-cross\/\"><span style=\"font-weight: 400;\">Pacific Cross<\/span><\/a><span style=\"font-weight: 400;\">\u2019 <\/span><span style=\"font-weight: 400;\">insurance policies and how they\u2019ll benefit expats in the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">Philippines.<\/span><\/a><\/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>Pacific Cross Health Insurance Plans for Expats<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27788 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines.webp\" alt=\"Image of White-sand Beaches And Turquoise Waters In El Nido, Palawan, Philippines with text overlay of &quot;Pacific Cross Health Insurance Plans for Expats&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/white-sand-beaches-and-turquoise-waters-in-el-nido-palawan-philippines-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Cross Health Insurance is one of the oldest insurance specialists in the Philippines. With over 70 years of experience, the company now serves over 400,000 clients in the Philippines and Southeast Asia!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Cross provides health insurance in<\/span><span style=\"font-weight: 400;\"> four <\/span><span style=\"font-weight: 400;\">different plans in the Philippines, ranging from <\/span><span style=\"font-weight: 400;\">Blue Royale, FlexiShield, Select, and Critical Cover Extra.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One key advantage that Pacific Cross offers to expats is the cost-effectiveness of its insurance plans. These plans allow you to maintain your budget while still providing essential coverage, ensuring that you remain insured in most situations you may encounter.<\/span><\/p>\n<h3><b>FlexiShield: Affordable Top-Up Health Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pacific Cross\u2019 FlexiShield plan acts as a second-layer plan by enhancing your existing HMO\u2019s maximum benefit limit, so you can solely focus on recovering.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The premium is also more affordable than a stand-alone medical plan. As it\u2019s designed purely as a top-up coverage to your HMO plan, it will only come into effect should you go beyond your HMO coverage.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Your current HMO (Health Maintenance Organization) might not provide enough financial cover should any critical illness strike. With Pacific Cross\u2019 FlexiShield Plan, you will have a reliable backup to help you with the financial burden of costly medical treatments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Certain medical conditions can be costly, especially those that require<\/span><span style=\"font-weight: 400;\"> hospitalization. <\/span><span style=\"font-weight: 400;\">Being anxious about whether or not you have enough medical coverage can add even more stress to an already less-than-ideal situation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the benefit highlights from the FlexiShield plan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Additional medical coverage on top of your existing HMO<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Applicable to individuals, families, and corporate accounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Daily hospital income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Available at affordable premiums<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No cashing out or reimbursements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for Covid-19<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross\u2019 FlexiShield Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>FlexiShield: Key Plan Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><b>Limit\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Benefit Limit (MBL)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">PHP 2,000,000 (USD $34,076)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Benefit Per Disability<\/b><\/td>\n<td><span style=\"font-weight: 400;\">For each disability per year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Deductible Per Disability Per Year*<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The first layer HMO has a Maximum Benefit Limit or Annual Benefit Limit for each covered condition per year. If the HMO\u2019s maximum limit changes during the claim period, the applicable Deductible will be the higher of the stated limit or the HMO\u2019s new maximum limit.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, the Insured will not be covered if the applicable Deductible has not been met.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">First Layer Plan\u2019s MBL<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Claims Settlement Method<\/b><\/td>\n<td><span style=\"font-weight: 400;\">100% reimbursement not to exceed the plan limit or direct settlement by the Company through its Accredited Network.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross\u2019 FlexiShield Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>FlexiShield: Inpatient Hospital Coverage<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board, Including General Nursing Care<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Private room<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous <\/b><b>Inpatient <\/b><b>Charges<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Includes mandated diagnostic lab tests, prescribed medications, physiotherapy sessions, blood and blood components, anesthesia and surgical appliances, intravenous chemotherapy, radiotherapy, and dialysis treatments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It also includes therapeutic procedures like physical therapy and speech therapy related to the insured\u2019s medical management, as prescribed by the attending physician<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Attending Physician\u2019s Visit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">As charged for in-network providers\u2019 rates or up to PHP 4,000 (USD $68) via reimbursement<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Specialists\u2019 Fees<\/b><\/td>\n<td><span style=\"font-weight: 400;\">As charged for in-network providers\u2019 rates or up to PHP 4,000 (USD $68) via reimbursement<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">For more information on the surgical benefits provided by Pacific Cross\u2019 FlexiShield Plan, please refer to the table below:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>FlexiShield: Surgical Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Operating Theater and Recovery Room<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Surgeon\u2019s Fee<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Total fees of the Surgeon(s), including pre-surgical assessment and normal post-surgical care while the Insured is confined.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged for in-network providers\u2019 rates or up to PHP 180,000 (USD $3,067) via reimbursement<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Anesthetist\u2019s Fee<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Not to exceed 50% of the approved amount payable to the Surgeon(s)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Based on the in-network providers\u2019 rates or up to PHP 90,000 (USD $1,533.5) per disability per year via reimbursement<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">The table below highlights the daily hospital income benefit from Pacific Cross\u2019 FlexiShield Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>FlexiShield: Hospital Cash Assistance<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Claim Settlement Method<\/b><\/td>\n<td><span style=\"font-weight: 400;\">100% reimbursement of the daily hospital cash assistance benefit resulting from an eligible confinement period that is covered by FlexiShield.<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Benefit Limit (MBL)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Daily limit of PHP 1,000<\/span><span style=\"font-weight: 400;\"> (USD $17)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Number of Confinement Days Per Period of Insurance<\/b><\/td>\n<td><span style=\"font-weight: 400;\">30 Days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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<h3><b>Select Plan: Flexible Medical Coverage<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pacific Cross\u2019s \u201cSelect\u201d plans include two options: Select Standard and Select Plus.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Select Plus, you will enjoy additional protection with an aggregate limit per year of up to PHP 5,000,000 <\/span><span style=\"font-weight: 400;\">(USD $85,210) <\/span><span style=\"font-weight: 400;\">with your own choice of hospital.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For Select Standard, you can choose your medical provider and doctor. You can also get medical benefits reimbursed up to PHP 2,000,000<\/span><span style=\"font-weight: 400;\"> (USD $34,076) <\/span><span style=\"font-weight: 400;\">for each disability per lifetime.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Select Standard plan also includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Access to no-cash-outlay medical treatment at accredited hospitals or reimbursement of medical expenses according to your coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A wide range of medical insurance benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A comprehensive Core Benefits package that covers both your medical and travel insurance requirements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for emergency medical situations while abroad<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Round-the-clock worldwide customer support and emergency hotline assistance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross\u2019 Select Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"6\"><b>Select Plan: Core Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus<\/b><\/td>\n<td><b>Select Plus<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">Ward<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-private<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private 2M<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private 3M<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private 5M<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Coverage<\/b><\/td>\n<td><span style=\"font-weight: 400;\">PHP 1,000,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $17,042)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 1,500,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $35,564)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 2,000,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $34,076)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 3,000,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $51,127)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 5,000,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $85,212)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross\u2019 Select Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"6\"><b>Select Plan: Inpatient Care Coverage<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus &amp; Select Standard<\/b><\/td>\n<td><b>Select Plus<\/b><\/td>\n<td><b>Select Plus<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board<\/b><\/p>\n<p><span style=\"font-weight: 400;\">including General Nursing Care<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous Hospital Expenses<\/b><\/p>\n<p><span style=\"font-weight: 400;\">for required diagnostic laboratory tests, prescribed medicines, physiotherapies, blood and components, anesthesia, and surgical appliances.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Physician\u2019s Visit\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">(non-surgical)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">daily visit fee to a limit of<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 2,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $34)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 3,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $51)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Specialist\u2019s Fee<\/b><\/p>\n<p><span style=\"font-weight: 400;\">for 10 days for each disability per year to a daily limit of<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 2,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $34)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 3,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $51)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Private Duty Nurse<\/b><\/p>\n<p><span style=\"font-weight: 400;\">at home only when certified necessary by the Attending Physician for a maximum of 5 days, immediately after hospitalization. Daily visit fee to a limit of<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 2,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $34)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 3,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $51)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">PHP 4,000<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(USD $68)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\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<h3><b>Blue Royale: Premium Global Health Coverage<\/b><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27789 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines.webp\" alt=\"Image of Historic National Museum Of Fine Arts Facade In Central Manila, Philippines with text overlay of &quot;Blue Royale: Premium Global Health Coverage&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-national-museum-of-fine-arts-facade-in-central-manila-philippines-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Cross\u2019 Blue Royale plan offers one of the most comprehensive ranges of medical insurance benefits in the Philippines. <\/span><span style=\"font-weight: 400;\">It also provides you with the option to choose the best medical treatment anywhere in the world, with a coverage limit of up to USD $2,000,000 per year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Blue Royale Plan also includes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive Core Benefits that cover both your medical and travel insurance needs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reimbursement of eligible charges or no-cash-outlay medical treatment using accredited hospitals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maternity and childbirth coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Services for emergency medical evacuation, repatriation, and transportation of the deceased\u2019s remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Optional coverage for dental and vision benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for health and travel needs from infancy up to 100 years old<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross\u2019 Blue Royale Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\"><b>Blue Royale: Annual Benefit Limits<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><b>Plan A<\/b><\/td>\n<td><b>Plan B<\/b><\/td>\n<td><b>Plan C<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Maximum Coverage Per Year (aggregate limit per year)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">USD $500,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $1,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Additionally, the information shown in the table below shows the inpatient benefits you can get from Pacific Cross\u2019 Blue Royale Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\"><b>Blue Royale: Inpatient Services<\/b><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><b>Plan A<\/b><\/td>\n<td><b>Plan B<\/b><\/td>\n<td><b>Plan C<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board<\/b><\/p>\n<p><span style=\"font-weight: 400;\">including General Nursing Care<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><b>Daily Limit for Philippine confinement<\/b><\/td>\n<td><span style=\"font-weight: 400;\">USD $300<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $850<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Daily Limit for Overseas Confinement<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Private room up to USD $1,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private room up to USD $1,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Private room up to USD $1,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous Inpatient Charges<\/b><\/p>\n<p><span style=\"font-weight: 400;\">for required diagnostic laboratory tests, prescribed medicines and supplements, blood and components, anesthesia, surgical appliances and devices, and intra-operative standard prosthetics (as approved by Pacific Cross)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Professional Fee<\/b><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Intensive Care Unit, Coronary Care Unit, Telemetry<\/b><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Operating Theater and Recovery Room<\/b><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Surgeon\u2019s Fee<\/b><\/p>\n<p><span style=\"font-weight: 400;\">includes pre-surgical assessment and normal post-surgical care while confined in the treatment country for each disability<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $30,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Anesthesiologist\u2019s Fee<\/b><\/td>\n<td><span style=\"font-weight: 400;\">50% of surgeon\u2019s fee<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Bariatric Surgery Procedures<\/b><\/p>\n<p><span style=\"font-weight: 400;\">covers specific inpatient bariatric surgery procedures for weight loss and related complications, such as gastric bypass, sleeve gastrectomy, adjustable gastric band, and biliopancreatic diversion with duodenal switch.\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $2,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $3,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD $5,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Private Duty Nurse<\/b><\/p>\n<p><span style=\"font-weight: 400;\">when certified necessary by the Attending Physician (at home for up to 30 days immediately after hospitalization)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<td><span style=\"font-weight: 400;\">As charged<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Surgical Procedures<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Cataract Extraction; *Dilation &amp; Curettage; Excision of Mass\/Tumor; Aspiration\/Excision Biopsy of Cyst\/Mass; Incision &amp; Drainage; Ingrown Toenail Surgery or Wedge Resection; Brachytherapy; Electrodesiccation\/Electrocautery of Warts from the neck down; Colonoscopy or Gastroscopy with Excision Biopsy; Angioplasty; and other procedures as may be approved by the Company. *Coverage for Dilation and Curettage (D&amp;C) procedure is for non-maternity-related conditions only.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Subject to the limits of the surgical benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Subject to the limits of the surgical benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Subject to the limits of the surgical benefits<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Non-Surgical Procedures<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Intravenous Chemotherapy; Radiotherapy\/Cobalt Therapy; Radioactive Iodine (RAI) Therapy; Colonoscopy or Gastroscopy without Biopsy; Hemodialysis; Blood Transfusion; Angiogram; and other procedures as may be approved by the Company.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to the maximum coverage limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to the maximum coverage limit<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to the maximum coverage limit<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Critical Cover Extra: Additional Critical Illness Protection<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Critical Cover Extra is a critical illness rider available with Blue Royale A, B, and C plans. It provides a one-time lump sum benefit in addition to the base plan if diagnosed with any of the 8 covered critical medical conditions. Here are the following illnesses and conditions covered:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Life-threatening cancer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple sclerosis<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Heart attack<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Benign brain tumor<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stroke<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coronary artery bypass surgery<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kidney\/renal failure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Major organ transplant<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross\u2019 Critical Cover Extra Plan:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\"><b>Critical Cover Extra: Key Rider Benefits<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Issue Age<\/b><\/td>\n<td><b>Sum insured allowed per plan<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4 to 18 years old<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Blue Royale A, B and C: USD $25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">19 to 55 years old<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Blue Royale A: USD $25,000 | Blue Royale B and C: USD $50,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><b>Pacific Cross Travel Insurance Plans for Expats<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Like their health insurance plans, Pacific Cross\u2019 travel insurance plans in the Philippines provide cost-effective options that give you access to 24-hour worldwide emergency assistance and hospital cash allowance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Their travel insurance options include <\/span><a href=\"https:\/\/www.pacificcross.com.ph\/insurance-plan\/shortsecure\"><span style=\"font-weight: 400;\">ShortSecure<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificcross.com.ph\/insurance-plan\/worldwide-elite\"><span style=\"font-weight: 400;\">Worldwide Elite (including Schengen)<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificcross.com.ph\/insurance-plan\/worldwide-elite-inbound\"><span style=\"font-weight: 400;\">Worldwide Elite (Inbound)<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificcross.com.ph\/insurance-plan\/asia-and-oceania\"><span style=\"font-weight: 400;\">Asia and Oceania<\/span><\/a><span style=\"font-weight: 400;\">,<\/span><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificcross.com.ph\/product\/domestic\/\"><span style=\"font-weight: 400;\">Domestic<\/span><\/a><span style=\"font-weight: 400;\"> plans.<\/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<h2><b>Why Secure Pacific Cross Plans with Pacific Prime<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">After all this information, you might be wondering how you can secure an insurance plan. Typically, there are two ways to secure an insurance plan; the first way is through an agent, and the second way is through a broker like <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ultimately, the result is that you secure an insurance plan most appropriate to your criteria.\u00a0 However, the experience and after-sales services can vary between the two, as an agent generally represents an insurance company, whereas a broker represents you.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What this means is that a broker will put your needs above those of the insurance company, guaranteeing that the plan given to you will match your particular needs and budget requirements.<\/span><\/p>\n<h2>Pacific Cross Insurance: FAQs<\/h2>\n<h3>Can a foreigner get PhilHealth in the Philippines?<\/h3>\n<p><span style=\"font-weight: 400;\">Foreigners employed in the Philippines can and are required to enroll in PhilHealth, with premiums automatically deducted from their salaries and shared with their employer. However, given the limited benefits of PhilHealth, many expats opt for private health insurance to enhance their coverage.\u00a0<\/span><\/p>\n<h3><b>How much is a hospital stay in the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Hospital rooms in the Philippines\u2019 private hospitals range from PHP 5,000 to PHP 15,000 (USD $85 to $255) a day and approximately PHP 15,000 to PHP 40,000 (USD $255 to $680) for international clinics.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How much is health insurance in the Philippines?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">According to Pacific Prime\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/infographic-cost-international-health-insurance-report-2024\/\"><span style=\"font-weight: 400;\">Cost of Health Insurance 2024<\/span><\/a><span style=\"font-weight: 400;\">, international health insurance premiums in the Philippines cost around USD $4,597 per year for individuals and USD $12,668 per year for families, though prices may be higher or lower based on your personal needs and risk profile.<\/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>Conclusion <\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With over<\/span><span style=\"font-weight: 400;\"> 25 years<\/span><span style=\"font-weight: 400;\"> of reputation as a world-renowned insurance broker, Pacific Prime collaborates with top insurers across the Philippines,<\/span><span style=\"font-weight: 400;\"> including Pacific Cross and many more.<\/span><span style=\"font-weight: 400;\"> Visit Pacific Prime today to find the right plan for you!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be sure to <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/contact-us\/\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> today for a free quote! Our experts excel at guiding you through the complexities to help you identify the best plans that fit your requirements and budget, all with impartiality and service-mindedness.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed this article? Check out our other articles here:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/allianz-philippines-insurance-solutions.html\"><span style=\"font-weight: 400;\">Allianz Philippines: Insurance Solutions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/william-russell-philippines-for-expats.html\"><span style=\"font-weight: 400;\">William Russell Philippines: Trusted Insurance<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Expats in the Philippines can rely on Pacific Cross for trusted and flexible health insurance coverage. With more than 70 years of experience, this insurer provides affordable plans to support international residents with medical emergencies, hospitalization, accidents, and travel protection. Whether you want a standalone plan or a top-up to complement your existing HMO, Pacific &#8230;<\/p>\n","protected":false},"author":95,"featured_media":27787,"comment_status":"closed","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-19050","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>Pacific Cross Health Insurance in the Philippines for Expats<\/title>\n<meta name=\"description\" content=\"Explore Pacific Cross health insurance for expats in the Philippines, including FlexiShield, Select, and Blue Royale, with flexible coverage options.\" \/>\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\/pacific-cross-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=\"Pacific Cross Health Insurance in the Philippines for Expats\" \/>\n<meta property=\"og:description\" content=\"Explore Pacific Cross health insurance for expats in the Philippines, including FlexiShield, Select, and Blue Royale, with flexible coverage options.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/pacific-cross-insurance-philippines-for-expats.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" 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