Search Contact us Menu
  • Types of Cover

    Individuals & Families

    Where We Cover

    Top Destinations We Cover
    Resources

    For Members

  • Our Plans

    Employers

     For Members

  • Our Plans

    IGO/NGO & Government

    For Members

  • Health Blog

    Topics

  • Individuals & Families

  • Employers

  • IGO/NGO & Government

  • Health Blog
  • For Providers

  • For Brokers
    • Home

    Philippines

    International Health Insurance in the Philippines

    Enjoy your days in the sun and explore the country’s natural beauty without any worries by taking advantage of international health insurance in the Philippines.

    Get a quote, it takes only 2 minutes!

    Get a quote now

    This corner of the globe draws many workers and retirees from across the world with the promise of warm weather, jaw-dropping scenery and a lower cost of living.

    Having the peace of mind that your adventures in this island nation are supported by thorough medical coverage can help you make the most of your life here.

    Learn more about the country’s healthcare system and how international health insurance in the Philippines works with Cigna.

    How does the healthcare system work in the Philippines?

    The Philippines offers free healthcare, known as PhilHealth (Philippine Health Insurance Corporation) that citizens contribute to through their taxes. It covers most emergency care and some other inpatient services. If you’re employed and living in the Philippines, or have a residency status, you and your loved ones may be eligible for PhilHealth.

    Find out what it’s like to live in the Philippines
    Cigna Leaf

    Pros and cons of using the Philippines’ public health system

    Pros

    There are some benefits to using PhilHealth, like:

    • Cheaper treatment – compared to Europe and North America, you’ll often find much lower prices on hospital visits, medication and even tests.
    • English-speaking medical staff – most doctors that work in public hospitals speak good English.
    • Maternity care package – starting a family is covered by PhilHealth, including prenatal and postpartum periods.
    • Premium option – you have the choice to pay more towards your PhilHealth for further benefits.

    Cons

    But there are some possible drawbacks to consider:

    • Technology issues – some hospitals in more rural areas are not equipped with advanced medical technology.
    • Staffing issues – some regional hospitals may have staffing issues with healthcare professionals pursuing careers in larger city-based locations.
    • Low medical supplies in rural areas – medical settings in provincial areas often work on a limited budget, so stocking up on supplies could be challenging.

    What’s the difference between public and private healthcare in the Philippines?
    Public Private

    Relatively cheap for common services.

    Access to the best healthcare, even in rural areas.

    Customisable for more expensive services.

    Supply of leading treatments and stocks in rural areas.

    Read our Philippines guide
    Cigna Leaf

    How can international health insurance help you in the Philippines?

    International health insurance can offer comprehensive cover to expats during their stay in the Philippines and beyond.

    This type of insurance opens the doors to hospitals all around the world and includes premium services that are not available with local plans.
    greenLeaf

    Choosing your international health insurance

    Get started

    Answer a few questions and enter your personal details to get started.

    Choose your plan

    Compare plans and find a flexible package to suit your needs.

    Get protected

    Receive your quote and get protected today.

    Cigna Global Health Options Plans
    Silver

    Worldwide or worldwide excluding USA cover

    Overview

    The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $1,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Newborn care cover
    Gold

    Worldwide or worldwide excluding USA cover

    Overview

    Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $2,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity
    Platinum

    Worldwide or worldwide excluding USA cover

    Overview

    Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: Paid in full

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity

    • Mental and Behavioural Health care paid in full

    Cigna Close Care℠ Plan

    Close Care

    Country of residence + Country of nationality
    Overview

    An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.

    Available additional modules:

    • Outpatient and Wellness Care
    • Dental Care and Treatment
    Core hospitalisation cover overview:

    • Annual benefit limit: $500,000
    • Condition limit: $250,000
    • Inpatient and daypatient treatment
    • Semi-private room
    • Full cancer care
    Cigna Leaf

    Why choose Cigna for health insurance in the Philippines?
    • Access to leading medical professionals with coverage in over 192 countries.
    • Flexible plans to fit your lifestyle.
    • Contact our experienced customer team 24/7.
    • Add hospital stays, maternity cover and more.

    Get a quote today
    Trustpilot

    FAQs

    How do I get treatment?

    Organise treatment, arrange your plan and more by calling our Customer Care Team. Our advisors are on hand to help with any arrangements or information you may need, from the nearest hospital to recommended doctors.

    Can I use my national health insurance in the Philippines?

    No, unless it is Philippines-specific. Having health insurance in another country, like the US, will not offer coverage in another nation unless you have international health insurance that safeguards your health between nations.

    Is private health insurance necessary in the Philippines?

    While national medical costs are quite low, in the long run, having a private health insurance policy may prove useful.

    If you want to permanently live in the Philippines, you may find that PhilHealth does not provide enough access to facilities and different treatments. It’s not uncommon for expats living in this island nation to opt for private cover to ensure they can access the care they need.

    What can international health insurance cover expats for?

    The unique features of a global health insurance policy will improve your experience of moving to and living in the Philippines.

    Depending on the provider you choose, extended services can include:

    • Medical evacuations
    • Eye and dental care
    • Mental health wellbeing
    • Outpatient services and prescription medication
    • Pre-existing condition coverage

    © 2025 Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

    This website is provided by Cigna European Services (UK) Limited, a company incorporated in England and Wales having its registered address at 13th Floor, 5 Aldermanbury Square, London EC2V 7HR and registered number 00199739. The Cigna Healthcare name, logo and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc., licensed for use by The Cigna Group and its operating subsidiaries.

    Selecting these links will take you away from Cignaglobal.com. Cigna Healthcare does not control the linked sites' content or links.