{"id":28283,"date":"2026-01-31T03:36:00","date_gmt":"2026-01-30T19:36:00","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=28283"},"modified":"2026-02-13T03:28:29","modified_gmt":"2026-02-12T19:28:29","slug":"health-insurance-cost-in-philippines","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-philippines.html","title":{"rendered":"How Much Does Health Insurance Cost in the Philippines?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The average annual premium cost for international health insurance in the Philippines was <\/span><b>USD $4,597 for individuals <\/b><span style=\"font-weight: 400;\">and <\/span><b>USD $12,668 for families in 2024<\/b><span style=\"font-weight: 400;\">. This proprietary data was collected from actual Pacific Prime expat customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you need to secure private international health insurance in the Philippines and aren\u2019t sure how much to expect it to cost? Want to make sure you aren\u2019t overcharged for your health plan?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article is rich in the data you need. As an international health insurance brokerage, <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/about-us-corporate-insurance-brokers#:~:text=States%2C%20and%20Australia.-,By%20the%20Numbers,-With%20over%2020\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has over 20 years of experience helping over a million and a half global citizens secure medical coverage all around the world, including in the Philippines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With our privately collected statistics on health insurance premiums and their inflation over the years, we can give you<\/span><b> accurate facts<\/b><span style=\"font-weight: 400;\"> about what you can expect to pay for individual or family coverage and tips on how to save money. We\u2019ll also compare the Philippines\u2019s costs to the rest of Asia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You also won\u2019t want to miss our guide on the <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/#:~:text=Best%20Private%20Insurance%20Providers%20for%20Expats%20in%20the%20Philippines\"><span style=\"font-weight: 400;\">best expat international health insurance in the Philippines<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: All data in this article is provided in USD.<\/span><\/i><\/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><span style=\"font-weight: 400;\">Cost of Health Insurance in the Philippines for Individuals<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28288 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila.webp\" alt=\"Image of Makati City Skyline Featuring Modern High-rise Buildings In Metro Manila with text overlay of &quot;Cost of Health Insurance in the Philippines for Individuals&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/makati-city-skyline-featuring-modern-high-rise-buildings-in-metro-manila-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Health insurance in the Philippines cost individuals an average of<\/span><b> USD $4,597 in 2024<\/b><span style=\"font-weight: 400;\">. That\u2019s a <\/span><b>4% increase<\/b><span style=\"font-weight: 400;\"> from 2023, when the average annual premium was <\/span><b>$4,428<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These averages come from verified international health insurance data collected by broker Pacific Prime and demonstrate the inflation that increases healthcare expenses every year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart details how the average annual premium costs in the Philippines have changed between the years 2024 and 2019 for individual expat plans.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">The Philippines\u2019s Annual Premiums for Individual Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,597<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,428<\/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<\/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<\/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<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">You can compare this data and more with Pacific Prime\u2019s annual report <\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2024\"><span style=\"font-weight: 400;\">Cost of International Health Insurance for Individuals and Families 2024<\/span><\/a><span style=\"font-weight: 400;\">.<\/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><span style=\"font-weight: 400;\">Cost of Health Insurance in the Philippines for Families<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Health insurance in the Philippines cost families an average of<\/span><b> USD $12,668 in 2024<\/b><span style=\"font-weight: 400;\">. That\u2019s a <\/span><b>10% increase<\/b><span style=\"font-weight: 400;\"> from 2023, when the average annual premium was <\/span><b>$11,556<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These averages come from verified international health insurance data collected by broker Pacific Prime and demonstrate the inflation that increases healthcare expenses every year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following chart details how the average annual premium costs in the Philippines have changed between the years 2024 and 2019 for family expat plans.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">The Philippines\u2019s Annual Premiums for Family Health Insurance<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Year<\/b><\/td>\n<td><b>Average Annual Premium<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2024<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,668<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2023<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,556<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2022<\/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;\">$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;\">$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;\">$10,594<\/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<h2><span style=\"font-weight: 400;\">The Philippines\u2019 Cost of Health Insurance Compared to Asia<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Philippines\u2019 $4,597 annual cost of international health insurance for individuals <\/span><b>is considered rather affordable in Asia<\/b><span style=\"font-weight: 400;\">. This is due to how it is almost half as much as Hong Kong\u2019s $8,339 and that it falls below the $5,242 annual average from the 18 Asian countries in our data below.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The same is also true of the Philippines\u2019 premium average for families. Asia\u2019s average cost for families is $15,057, and the Philippines\u2019 family plans are significantly lower at $12,668.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This first chart compares the <\/span><b>average annual premiums for individuals <\/b><span style=\"font-weight: 400;\">living in <\/span><b>the Philippines <\/b><span style=\"font-weight: 400;\">compared to individual premiums for those living in other countries across <\/span><b>Asia<\/b><span style=\"font-weight: 400;\">. We include years 2024 and 2023 and the percentage change between those years.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td colspan=\"4\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of The Philippines\u2019 Individual Insurance Costs to Asia Costs<\/span><\/h3>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Country<\/b><\/td>\n<td><b>2024 Average Premium<\/b><\/td>\n<td><b>2023 Average Premium<\/b><\/td>\n<td><b>% Change<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hong Kong<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8,339<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,810<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Singapore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,855<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,028<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">China<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,915<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,274<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taiwan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,710<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,532<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Japan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,228<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,079<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">South Korea<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,226<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,171<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cambodia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,991<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,851<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Malaysia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,969<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,828<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bangladesh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,948<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,779<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Myanmar<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,904<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,763<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Laos<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,874<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,763<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">New Zealand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,773<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,661<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Indonesia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,734<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,686<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">India<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,715<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,547<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,695<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,594<\/span><\/td>\n<td><span style=\"font-weight: 400;\">31%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Philippines<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,597<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,428<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Vietnam<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,547<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,522<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pakistan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,344<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,313<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This second chart compares the <\/span><b>average annual premiums for families<\/b><span style=\"font-weight: 400;\"> living in <\/span><b>the Philippines <\/b><span style=\"font-weight: 400;\">compared to families living in other countries across <\/span><b>Asia<\/b><span style=\"font-weight: 400;\">. We include years 2024 and 2023 and the percentage change between those years as well.<\/span><\/p>\n<div><\/div>\n<div>\n<table>\n<tbody>\n<tr>\n<th colspan=\"4\">\n<h3><span style=\"font-weight: 400; color: #ffffff;\">A Comparison of The Philippines\u2019 Family Insurance Costs to Asia Costs<\/span><\/h3>\n<\/th>\n<\/tr>\n<tr>\n<th><b>Country<\/b><\/th>\n<th><b>2024 Average Premium<\/b><\/th>\n<th><b>2023 Average Premium<\/b><\/th>\n<th><b>% Change<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Hong Kong<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$23,558<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$22,067<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Singapore<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$19,879\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,351<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-2%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">China<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$19,188<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$16,241<\/span><\/td>\n<td><span style=\"font-weight: 400;\">18%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Taiwan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,891<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,073<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Japan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$14,670<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,920<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">South Korea<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$14,660<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,802<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cambodia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,957<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,288<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Malaysia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,889<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,211<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Bangladesh<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,678<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,963<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Myanmar<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,718<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,987<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Laos<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,629<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,889<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">New Zealand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,349<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,750<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Indonesia<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,909<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,764<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">India<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$13,016<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,547<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Thailand<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$18,027<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,396<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Philippines<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,668<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,556<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Vietnam<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$12,505<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,535<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Pakistan<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,837<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$11,457<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\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><span style=\"font-weight: 400;\">Expat Tips to Save Money on Insurance in The Philippines<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-28290 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center.webp\" alt=\"Image of Historic Facade Of Manila\u2019s National Museum Of Fine Arts In The City Center with text overlay of &quot;Expat Tips to Save Money on Insurance in The Philippines&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/historic-facade-of-manilas-national-museum-of-fine-arts-in-the-city-center-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Expats can save money on health insurance while living in the Philippines by consulting a broker who is familiar with the international market. They can help you drop outpatient and wellness riders you don\u2019t need, excluding U.S. coverage, and get access to the best provider networks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read our 10 tips for saving money below.<\/span><\/p>\n<ol>\n<li><b>Exclude Worldwide Coverage.<\/b><span style=\"font-weight: 400;\"> International plans that include global or U.S. access cost considerably more than Asia-only options. Limiting the geographic scope to Southeast Asia or Asia-Pacific can materially reduce premiums for long-term expats in Manila, Cebu, or Davao.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Use PhilHealth for Basic Needs.<\/b><span style=\"font-weight: 400;\"> PhilHealth offers cost-effective access to public and some private facilities, covering a portion of inpatient and emergency care. Leveraging PhilHealth allows expats to scale private insurance down to catastrophic tiers.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Opt for Higher Deductibles.<\/b><span style=\"font-weight: 400;\"> Choosing higher deductibles and co-pays lowers monthly premiums on international policies. With healthcare costs in the Philippines comparatively lower than in Western countries, paying out of pocket for minor services is often more economical.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Drop Outpatient and Wellness Riders.<\/b><span style=\"font-weight: 400;\"> Outpatient visits, labs, and wellness checks are inexpensive at private clinics in major cities. Removing these benefits from international plans can streamline coverage and save money.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Exclude U.S. Coverage.<\/b><span style=\"font-weight: 400;\"> Adding U.S. benefits is one of the most expensive add-ons in international plans. Many retirees and remote workers in the Philippines have no practical need for U.S. access and can safely remove it to reduce premiums.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Avoid Dental and Vision Add-Ons.<\/b><span style=\"font-weight: 400;\"> Dental and optical services are generally affordable in the Philippines, especially in urban centers. Paying out of pocket for routine cleanings or eyewear can outperform insurance in total cost.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Pay Annually in USD or PHP.<\/b><span style=\"font-weight: 400;\"> Many insurers offer discounts for annual billing and may permit payment in USD or PHP, depending on domicile. Minimizing transaction fees and foreign exchange spread adds incremental savings.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Consider Emergency-Only Coverage.<\/b><span style=\"font-weight: 400;\"> Emergency or major medical policies focus on big-ticket events and hospitalizations, leaving routine care to PhilHealth or cash payments. This structure suits expats who primarily want peace of mind without comprehensive premiums.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Use Regional Provider Networks.<\/b><span style=\"font-weight: 400;\"> Insurers with strong Southeast Asian networks often negotiate favorable rates with hospitals and clinics in the Philippines, Thailand, Malaysia, and Singapore. These regional contracts can result in more competitive premiums than global networks.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li><b>Consult Brokers Familiar with Philippines Visas.<\/b><span style=\"font-weight: 400;\"> Brokers who handle SRRV, digital nomad, or long-stay visas know which carriers price aggressively for retirees and remote workers. Their underwriting insights and market comparisons can reveal discounts not publicly advertised.<\/span><\/li>\n<\/ol>\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><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Is healthcare in the Philippines expensive for foreigners?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Private healthcare in the Philippines is relatively affordable by Western standards, but costs can escalate quickly for inpatient stays, surgery, or intensive care. Without insurance, foreigners may face substantial upfront deposits at private hospitals and variable billing practices.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can international health insurance cover medical evacuation?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many international policies offer medical evacuation and repatriation coverage for serious emergencies. This benefit is valued by expats living on islands or remote provinces in the Philippines where advanced care may require transfer to Manila, Cebu, or even Singapore.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are pre-existing conditions covered for expats in the Philippines?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Coverage for expats with <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing conditions<\/span><\/a><span style=\"font-weight: 400;\"> varies by insurer, with some imposing waiting periods or exclusions. Expats planning long-term residency in the Philippines often apply early to secure broader acceptance before conditions arise or worsen.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do expats in the Philippines need international health insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many expats in the Philippines choose private or international policies to secure faster access to private hospitals, English-speaking staff, and predictable billing. PhilHealth can cover some costs, but international plans provide broader networks and emergency evacuation benefits.<\/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><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International health insurance in the Philippines has steadily increased in price, from $3,552 in 2019 to $4,597 in 2024. With the rise of insurance premiums over the years, expats may want to consult a broker to make sure they\u2019re getting the best deal they can in the ever-changing market.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now that you understand how much international health insurance costs for individuals and families in the Philippines, how those premiums have changed over the years, and how they compare to neighboring countries, you are likely more prepared to compare the plans and quotes themselves.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s when Pacific Prime steps in! We are an international health insurance brokerage with over 20 years of experience helping over a million and a half expatriates just like you secure healthcare coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Utilize our exceptional <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">online database<\/span><\/a><span style=\"font-weight: 400;\"> that features<\/span><b> over 50,000 expat-focused health insurance plans<\/b><span style=\"font-weight: 400;\"> to begin comparing benefits, plans, quotes, and more! It\u2019s a free resource anyone can use and you won\u2019t want to miss!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re ready to speak to an international insurance expert, you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our team online<\/span><\/a><span style=\"font-weight: 400;\"> or call <a href=\"tel:+852-3113-1331\">+852-3113-1331<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend expats and foreign citizens living in the Philippines reference the following links:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">International Health Insurance<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">The Philippines Health Insurance for Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/health-insurance-cost-in-uae.html\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in the UAE?<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How Much Does Health Insurance Cost in Costa Rica?<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The average annual premium cost for international health insurance in the Philippines was USD $4,597 for individuals and USD $12,668 for families in 2024. This proprietary data was collected from actual Pacific Prime expat customers. Do you need to secure private international health insurance in the Philippines and aren\u2019t sure how much to expect it &#8230;<\/p>\n","protected":false},"author":54,"featured_media":28286,"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-28283","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>How Much Does Health Insurance Cost in the Philippines?<\/title>\n<meta name=\"description\" content=\"Discover how much international health insurance costs in the Philippines for 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