Insurance in the Philippines:
Compare, Decide, Act
Expert-curated guides and rankings for health insurance, life insurance, and more across the Philippines. Make smarter decisions with verified data.
40+
Insurance Providers Reviewed
₱25,000
Average HMO Cost / Year
Nationwide
PhilHealth Coverage
Apr 2026
Last Updated
Quick Comparison
Top Insurance Providers in the Philippines
| Provider | Type | Rating | Coverage | Starting Price | |
|---|---|---|---|---|---|
| PhilHealth | Government | 4.2 | Basic – Nationwide | Mandatory | Inquire |
| Maxicare | HMO | 4.7 | Comprehensive | ₱20,000+/yr | Inquire |
| Intellicare | HMO | 4.6 | Comprehensive | ₱18,000+/yr | Inquire |
| Medicard | HMO | 4.5 | Standard – Premium | ₱15,000+/yr | Inquire |
| Pacific Cross | International | 4.8 | International | ₱60,000+/yr | Inquire |
* Prices are indicative. Contact providers directly for exact quotes.
Expert Guides
Insurance Guides & Rankings
Health Insurance Philippines: Complete Guide (2026)
Everything you need to know about health insurance in the Philippines — from PhilHealth to private HMO plans, costs, and how to choose the right coverage.
Best Health Insurance in the Philippines (2026 Rankings)
Compare the top health insurance providers in the Philippines. Expert-ranked plans from PhilHealth, Maxicare, Intellicare, and more — with real pricing data.
Top Insurance Companies in the Philippines (2026)
A comprehensive overview of the leading insurance companies operating in the Philippines — life, health, property, and car insurance providers ranked by trust and coverage.
Private Health Insurance Philippines: Is It Worth It?
Should you get private health insurance on top of PhilHealth? We break down the costs, benefits, and top private providers for locals and expats in the Philippines.
Health Insurance for Expats in the Philippines (2026)
Living in the Philippines as a foreigner? Here's everything expats need to know about health insurance options, costs, and the best international providers available.
Cheap Health Insurance in the Philippines: Affordable Plans
Looking for affordable health insurance in the Philippines? We compare the most budget-friendly plans that still offer solid coverage for individuals and families.
FAQ
Frequently Asked Questions About Insurance in the Philippines
Is health insurance mandatory in the Philippines?
PhilHealth is mandatory for all employed Filipinos. However, private health insurance is optional — though highly recommended for broader coverage, especially for access to private hospitals.
How much does health insurance cost in the Philippines?
Basic private health insurance starts at around PHP 15,000–20,000 per year. Comprehensive HMO plans range from PHP 30,000 to PHP 100,000+ annually, depending on coverage and provider.
Can foreigners get health insurance in the Philippines?
Yes. Foreigners legally residing in the Philippines can enroll in PhilHealth and also purchase private insurance from local or international providers like Pacific Cross and Cigna.
What is the difference between PhilHealth and HMO?
PhilHealth is the government-mandated national health insurance covering basic hospitalization. HMOs (Health Maintenance Organizations) are private plans offering broader coverage including outpatient care, specialist visits, and preventive services.
Which insurance company is best in the Philippines?
For HMO coverage, Maxicare and Intellicare consistently rank highest. For international coverage, Pacific Cross is the top choice for expats. For life insurance, Sun Life and Philam Life lead the market.