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    Filipinas

    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!

    Obtén un presupuesto ahora

    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

    Ventajas

    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.

    Inconvenientes

    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?
    Público Privado

    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

    Elegir un seguro de salud internacional

    Para empezar

    Responde a algunas preguntas e introduce tus datos personales para empezar.

    Elige tu plan de seguro

    Compara planes y encuentra un paquete flexible que se adapte a tus necesidades.

    Protégete

    Recibe tu presupuesto y protégete hoy mismo.

    Cigna Global Health Options (CGHO)
    Silver

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    La ventaja principal de un plan Silver es que proporciona cobertura internacional, tanto hospitalaria como externa, en la que se incluyen ingresos en el hospital y tratamientos.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 1 000 000  $

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Cobertura de atención para recién nacidos
    Gold

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Cobertura completa, con límites anuales generales más amplios y beneficios adicionales, entre los que se incluye la atención de maternidad hospitalaria.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 2 000 000  $

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Atención de maternidad hospitalaria
    Platinum

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Nuestro nivel más alto ofrece una cobertura anual general ilimitada con la mayoría de los beneficios pagados en su totalidad.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: Cobertura íntegra

    • Tratamiento hospitalario y externo

    • Habitación individual

    • Cobertura completa para cáncer

    • Atención de maternidad hospitalaria

    • Asistencia de salud mental y conductual completamente pagada

    Plan Cigna Close Care℠
    Close Care
    Cobertura para el país de residencia y para el país de nacionalidad
    Información general

    Un plan de salud básico, diseñado para los que solamente necesitan cobertura en su país de residencia y en su país de origen.

    Módulos adicionales disponibles:

    • Atención ambulatoria y de bienestar
    • Tratamiento y atención odontológica
    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 500 000 $
    • Límite de afecciones: 250 000 $
    • Tratamiento hospitalario y externo
    • Habitación doble
    • Cobertura completa para cáncer
    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.

    Obtén un presupuesto hoy
    Trustpilot
    Preguntas frecuentes
    ¿Cómo consigo el tratamiento?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. Reservados todos los derechos.

    *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.

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