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Expat Retiree Health Insurance in the Philippines

Expat retiree in the Philippines? Looking to secure insurance? Find out which plan to get here!

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Which health insurance plan do you recommend for expats retiring in the Philippines?

Here's the question one of our client asked us, and our answer in response:


Good day! My aunt and uncle, who have lived in the United States, will be spending their retirement years in the Philippines. We would like information on how to apply for Philippines health insurance through Pacific Prime, coverage of the plans, the hospitals we can use under the policy, and other information which can help us in making a decision as to which insurance company or broker to get insurance with. Hope you can respond as soon as possible. Thank you.


As an award-winning global insurance brokerage, Pacific Prime works with top health insurance companies and brings to our clients vetted plans that meet their exact needs and budgets. We specialize in helping expats living overseas, in any country of the world, including the Philippines, secure international health insurance. This will enable them to access the best medical care not just in the Philippines, but around the world.

Applying for our Philippines health insurance plan:

We are able to offer comprehensive Philippines health insurance plans (more on this below) to individuals of any age. In addition to this, while some insurance providers may decline the renewal of an insurance policy if the holder has reached a certain age (usually 65 years old) or if they have developed a chronic health condition or illness, our plans are typically guaranteed renewable for life. 

This means that once your insurance policy has been accepted, you will be guaranteed continued insurance coverage at the time your policy is due for renewal, regardless of your age or health condition. In other words, our guaranteed renewable plans afford you the peace of mind that you won’t be left without coverage when you need it the most. 

To apply for our Philippines health insurance plans, the first step is the get a quote using our online quotation tool. Our highly-trained advisors will then contact you to provide impartial advice, tailored plan comparison, and help you with the paperwork to apply for the plan with the insurer. This service is provided free of charge.

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Coverage of our Philippines health insurance plan:

The best health insurance plan in the Philippines is one that meets your exact needs and budget. From basic options to comprehensive coverage, the range of Philippines health insurance plans which we can advise upon are extremely flexible, and backed by our commitment to service. Typically, expatriate health insurance policies in the Philippines that we offer will include coverage options for:

  • Inpatient and hospitalization insurance 

  • Outpatient insurance

  • Emergency evacuation & repatriation

  • Global coverage

  • Deductibles

  • Dental care benefits

Additional coverage options are also available through us. Talk to us about your specific healthcare and lifestyle needs, and we’ll find a plan that is suitable for you.

Hospitals that can be accessed under our Philippines health insurance plan:

Our Philippines health insurance plan gives you access to a wide range of hospitals in the country. That being said, it’s vital to note that healthcare facilities are generally limited in the Philippines, particularly in rural areas, and are often not of international standards. In the event of a medical emergency, air transportation may be required to evacuate you to a hospital overseas. Fortunately, our plans give you comprehensive worldwide medical coverage and emergency evacuation and repatriation.

Other information to know of:

As mentioned, our unrivaled services are provided at no extra cost versus going to the insurer directly. Our highly-trained advisors help you match your needs and budget to an appropriate plan, and take the time to explain insurance jargon so that you don’t miss out on important information in your policy terms. What’s more, you’ll also get a whole host of support services such as:

  • Administration assistance

  • Insurer liaison 

  • Hospital recommendation

  • Claims and renewals support

  • And more! 


For more information about the Philippines health insurance plans we can provide, or about private health insurance plans in general, please contact one of our advisors today.

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