Placing complete confidence in precise insurance choices in the Philippines

Find the Best Health Insurance

Explore our curated selection of top health insurance options, enabling you to make an informed decision and put your family's well-being and safety first.

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Why opt for Health Insurance?

Comprehensive medical protection

Health insurance serves as a vital financial safety net, shielding individuals from the potentially crippling costs associated with medical treatments, hospital stays, surgeries, prescription medications, and a broad spectrum of healthcare services. Without this safeguard, these expenses could pose a formidable financial challenge.

Access to premier health protection

Health insurance grants individuals access to a network of esteemed healthcare providers, renowned hospitals, and cutting-edge medical facilities. This network guarantees timely access to premium medical services, promoting peace of mind.

Proactive emphasis on wellness

A plethora of health insurance plans prioritize preventive care, encompassing regular tests, vaccinations, screening tests, and wellbeing programs. Taking preventive care not only fosters overall welfare, but also can detect early disease, potentially averting more substantial medical expenditures down the line.

Financial protection against severe costs

In the event of severe illnesses or traumatic injuries, health insurance works as a financial shield, sparing individuals the distress of grappling with insurmountable medical bills. It acts as a sturdy defense against the fiscal aftermath of catastrophic healthcare costs.

Effective chronic condition care

Health insurance doesn't just stop at emergencies; it can support chronic conditions in terms of diabetes, asthma, or hypertension. This ensures consistent access to the essential treatments and medications required for effective management.

Tailored care options

Some health insurance plans go the extra mile by offering coverage for specialized treatments, alternative therapies, or access to specific medical institutions. This personalized approach ensures that unique healthcare needs are met with precision and care.

How to apply for a Health Insurance?


Find and compare

Discover an array of health insurance options to find your benefited one. Make sure to compare different plans, coverage, premiums, benefits, and limitations before making your decision.


Fill in the application form

Fill out the application online forms by adding your personal information to set your insurance endeavor in motion.


Submit spporting documents

Gather supporting documents in terms of identification cards, proof of address, and other required paperwork. Some companies will need extra documents to verify your application. Ensure all documents are complete, valid, and up-to-date.


Review and confirm

Carefully review your application form and attached documents. Double-check for accuracy and completeness before submitting. Your submitted application will be dedicatedly reviewed by our team.


Receive your insurance

Once the cross-checking phase wraps up and all required documents are collated, you'll receive your health insurance.

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Health insurance

Today, everyone owns at least one type of health insurance, whether it's provided by the government or from private insurers.  Having insurance is nearly essential to safeguard the well-being of oneself and loved ones. Let's find out what health insurance is, understand its importance, and explore the concept of deductibles within it.

What is health insurance? 

Health insurance is a type of protection that provides financial help during health-related crises, like injury, illness or accident, facilitated by the insurer. This insurance contract will help users save on medical examination and treatment costs, or paying only a minimal portion, with the majority being borne by the insurance provider.

Insurance providers typically offer two methods to cover your healthcare bills:

Direct payment: In this case, beneficiaries will not have to pay anything to the hospital among the insurance network, since the insurance company has paid directly to the hospital.

Claim-based: Under this, the patient will pay the medical expenses first and then claim a refund from the insurance company.

In the Philippines, there are three popular types of health insurance: PhilHealth, Health Maintenance Organizations and private insurance companies.

PhilHealth, established in 1995, is a public insurance system tailored to an individual's age and earnings. This insurance allows participants to pay membership fees through recurring premiums or a one-time payment for a lifelong coverage. It offers a wide range of medical benefits, including hospital stays, outpatient care, disaster insurance surgery, maternity, and other ancillary services such as tests and medications.

HMOs are like private providers, except they give you access to a specific group of doctors within their network. HMOs manage programs such as: Inpatient/outpatient services, surgery, tests and medications.

Private health insurance gives insured people access to a private healthcare network with many benefits and features as well as facilities of high international standards. Benefits of private insurance include hospital stays, outpatient care, hospitalization and surgery assistance, cash assistance for loss of income due to accident/illness.

What is deductible in health insurance?

The health insurance deductible is the amount you must pay before your insurer starts covering your healthcare costs.

To illustrate: Your medical bill has a deductible amount of PHP 1,000, which means you have to pay this amount yourself before the insurance program covers the remaining fees. This deductible will be handed over to the hospital or clinic. After meeting your deductible threshold, your insurance provider will begin paying for medical expenses covered under your plan. Once the policy period begins, the deductible is reset to its initial value.

Why is health insurance important? 

Owning health insurance is necessary and important for every person. Health insurance helps cover risk costs due to illness or accident, helping patients save large sums of money. Drivers are still advised to purchase a health insurance policy when possible to benefit from tax deductions on premiums paid. In addition, health insurance also helps people treat serious diseases, pay for medical examinations at the hospital, can reimburse medical expenses, and protect the health of themselves and their families.