Health Insurance in the Philippines
Whether you're moving to Philippines, already living there as an expat or having international teams, Alea helps you find the right health insurance plan from the world’s leading insurers.
~140k
Foreign nationals living in the Philippines
World-class
Private hospital network in the Philippines
50+
Insurers available
CFE 🇫🇷
CFE Top Up plans available in the Philippines
Insurance plan
What's Available
How It Works
Three steps, one advisor, free service.
1
Tell Us About You
2
We Compare Plans
3
You Choose We Handle the Rest
Healthcare System
Healthcare in Philippines
Philippines Healthcare at a Glance 💊
The Philippines operates a fragmented healthcare system with a stark contrast between public and private sectors. Public facilities, managed by the government and subsidized by PhilHealth, face severe underfunding, medical equipment shortages, and overcrowding, particularly outside major cities. Conversely, Metro Manila and Cebu host world-class, Western-style private hospitals where medical staff are highly skilled and speak fluent English. Most expats exclusively rely on the private sector for quality care.
Key Private Hospitals
St. Luke’s Medical Center (Global City & Quezon City), Makati Medical Center, and The Medical City (Pasig) are the premier, internationally accredited (JCI) institutions in Metro Manila. In Cebu, Chong Hua Hospital is the top choice. These facilities offer cutting-edge technology, luxury amenities, and Western-trained specialists.
Why private insurance matters
While routine GP consultations and local medicines are relatively affordable, serious medical conditions, critical care, or emergency surgeries at top-tier private hospitals can lead to massive out-of-pocket bills running into millions of Philippine Pesos (PHP). Furthermore, because medical evacuation to Singapore or Hong Kong is often required for highly complex procedures, premium private insurance is vital.
Visa & insurance requirements
Most standard tourist, employment (9g), or resident visas do not strictly mandate health insurance. However, specific long-term retirement visas, such as the SRRV (Special Resident Retiree's Visa), frequently require proof of medical coverage or a PhilHealth registration.
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