Health Finder
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To aid in your journey of finding the best health insurance plan, below is a list that ranks some of the top health insurance plans in the Philippines according to categories of affordability and maximum benefit limit. Depending on your own preferences and priorities, this list can help you narrow down your options to the most optimal and best-fit health premium program. If you're still feeling stuck between a few of the options even after looking through the list, then not to worry, for below the rankings are comprehensive details on the service coverage of each individual health premium plan included within the list!
Disclaimer: These rankings are limited by the information that's available online; if there's a particular health insurance program you're interested in that's not included here, contacting the providers is still the most optimal way to understand what the program entails.
Most Affordable Plans
With Basic Coverage
1 / Value Care, Standard Program Ward
2 / Medicard, Standard Ward
3 / Value Care, Standard Program Semi-Private
4 / Value Care, Standard Program Regular Private
5 / Medicard, Standard Semi-Private
6 / Value Care, Standard Program Large Private
7 / Medicard, Standard Small Private
8 / Kaiser International Healthgroup, Short Term Care Health 600
9 / Kaiser International Healthgroup, Short Term Care Health 800
10 / Value Care, Standard Program Suite
Learn More About These Plans
Value Care, Standard Program Ward
Price: 8,800 - 12,000 PHP
Maximum Benefit Limit: 60,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care + Pre-Existing Conditions Coverage + Medical Modalities and Procedures
(for more detail, see here)
Value Care, Standard Program Regular Private
Price: 12,500 - 17,100 PHP
Maximum Benefit Limit: 80,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care + Pre-Existing Conditions Coverage + Medical Modalities and Procedures
(for more detail, see here)
Medicard, Standard Small Private
Age: 18 - 60 (principal members)
Price: 21,908 PHP
Maximum Benefit Limit: 120,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care
(for more detail see here)
Value Care, Standard Program Suite
Price: 22,900 - 31,200 PHP
Maximum Benefit Limit: 100,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care + Pre-Existing Conditions Coverage + Medical Modalities and Procedures
(for more detail, see here)
Medicard, Standard Ward
Age: 18 - 60 (principal members)
Price: 10,739 PHP
Maximum Benefit Limit: 50,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care
(for more detail see here)
Medicard, Standard Semi-Private
Age: 18 - 60 (principal members)
Price: 12,049 PHP/18,850 PHP
Maximum Benefit Limit: 60,000 PHP/100,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care
(for more detail see here)
Kaiser International Healthgroup, Short Term Care Health 600
Age: up to 60
Price: 21,435 PHP
Maximum Benefit Limit: 65,000 PHP
Coverage: Preventive, In-Patient, Out-Patient, Emergency Care
+ Dental Care
(for more detail, see here)
Value Care, Standard Program Semi-Private
Price: 9,800 - 13,400 PHP
Maximum Benefit Limit: 70,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care + Pre-Existing Conditions Coverage + Medical Modalities and Procedures
(for more detail, see here)
Value Care, Standard Program Large Private
Price: 17,700 - 24,200 PHP
Maximum Benefit Limit: 90,000 PHP
Coverage: In-Patient, Out-Patient, Preventive, and Emergency Care
+ Dental Care + Pre-Existing Conditions Coverage + Medical Modalities and Procedures
(for more detail, see here)
Kaiser International Healthgroup, Short Term Care Health 800
Age: up to 60
Price: 23,579 PHP
Maximum Benefit Limit: 75,000 PHP
Coverage: Preventive, In-Patient, Out-Patient, Emergency Care
+ Dental Care
(for more detail, see here)
Plans With The Highest Maximum Benefit Limit
1 / AXA Philippines, Global Health Access Platinum
2 / Pacific Cross Philippines, Blue Royale C with Travel +
3 / AXA Philippines, Global Health Access Gold Packages (Gold, Gold Lite, Gold Lite Plus)
4 / Pacific Cross Philippines, Blue Royale B with Travel +
5 / AXA Philippines, Global Health Access Silver
6 / Pacific Cross Philippines, Blue Royale A with Travel +
7 / AXA Philippines, Health Max
8 / Sun Life, SUN Fit and Well
11 / Pacific Cross Philippines, Select Plus Private 5m with Travel +
11 / AXA Philippines, Health Care Access Prime Plan 5M
11 / AXA Philippines, Health Care Access Lite Plan 5M
Learn More About These Plans
AXA Philippines, Global Health Access Platinum
Annual Benefit Limit: 175,000,000 PHP
Coverage: in-patient, out-patient, emergency care+ health screen + multivitamins and food supplement + psychiatric treatment + dental care + alternative treatment + optical care + maternity care + teleconsultation + mental health counseling + international emergency medical assistance
(for more details, see here)
Pacific Cross Philippines, Blue Royale B with travel +
Maximum Benefit Limit: 1,000,000 USD
Coverage: in-patient, out-patient, emergency coverage
+ organ transplant + mental and nervous disorders + aids/hiv + congenital conditions + maternity benefit + hospice care + burial expense benefit + value added benefit + travel benefit + personal accident benefit + vision benefit + dental benefit
for more detail, see here
AXA Philippines, Health Max
Annual Benefit Limit: 10,000,000 PHP
Coverage: critical illness coverage (56 major; 18 minor)
+ life insurance + teleconsultation + mental health consulting + advance health fund
for more details, see here
AXA Philippines, Health Care Access Prime Plan 5M
Annual Benefit Limit: 5,000,000 PHP
Coverage: in-patient, emergency, outpatient care
+ life and accident insurance + annual physical examination + teleconsultation (optional: + optical care + critical illness rider + annual benefit limit rider)
for more details, see here
Pacific Cross Philippines, Blue Royale C with travel +
Maximum Benefit Limit: 2,000,000 USD
Coverage: in-patient, out-patient, emergency coverage
+ organ transplant + mental and nervous disorders + aids/hiv + congenital conditions + maternity benefit + hospice care + burial expense benefit + value added benefit + travel benefit + personal accident benefit + vision benefit + dental benefit
for more detail, see here
AXA Philippines, Global Health Access Silver
Annual Benefit Limit: 50,000,000 PHP
Coverage: in-patient, out-patient, emergency care+ health screen + multivitamins and food supplement + psychiatric treatment + dental care + alternative treatment + optical care + maternity care + teleconsultation + mental health counseling + international emergency medical assistance
(for more details, see here)
SUN Life, SUN Fit and Well
Coverage: 300,000 - 15,000,000 PHP
Service Coverage: preventive wellness, critical illness, specific cancer boost benefit
+ life insurance protection
for more details, see here
AXA Philippines, Health Care Access Lite Plan 5M
Annual Benefit Limit: 5,000,000 PHP
Coverage: in-patient, out-patient, emergency care
+ life and accident insurance
optional: + dental care + optical care + critical illness rider + annual benefit limit rider
for more details, see here
Deductible from First Layer HMO: 100,000 PHP/150,000 PHP/200,000 PHP
Note: this acts as a supplement to an existing HMO coverage, not as a standalone insurance plan
AXA Philippines, Global Health Access Gold Packages (Gold, Gold Lite, Gold Lite Plus)
Annual Benefit Limit: 100,000,000 PHP
Coverage: in-patient, out-patient, emergency care
+ health screen + multivitamins and food supplement + psychiatric treatment + dental care + alternative treatment + optical care + maternity care + teleconsultation + mental health counseling + international emergency medical assistance
(for more details, see here)
Pacific Cross Philippines, Blue Royale A with travel +
Maximum Benefit Limit: 500,000 USD
Coverage: in-patient, out-patient, emergency coverage
+ organ transplant + mental and nervous disorders + aids/hiv + congenital conditions + maternity benefit + hospice care + burial expense benefit + value added benefit + travel benefit + personal accident benefit + vision benefit + dental benefit
for more detail, see here
Pacific Cross Philippines, Select Plus Private 5m with Travel +
Maximum Benefit Limit: 5,000,000 PHP
Price: 20,000 - 207,000 PHP
Coverage: in-patient and emergency coverage
+ mental health care benefit + annual physical examination + value-added benefits + personal accident benefits + travel benefits (optional: outpatient and dental coverage)
for more details, see here