Expat insurance
Expat insurance in Philippines
Comprehensive cover for people who've actually moved to Philippines: multi-year stability, no trip caps, and the proper inpatient/outpatient stack you want when this is home now.
The Philippines is the most English-fluent base in Asia, with friendly tourist rules that stretch to a 36-month stay, low costs, and JCI-accredited private hospitals in Manila. A formal digital nomad visa was created on paper in 2025 but is not yet confirmed to be issuing, so most nomads still run on extended tourist visas. Watch for dengue, typhoon season, and a do-not-travel zone in the far south.
What expat insurance covers in Philippines
Expat insurance is built for expats with a residence permit or long-stay visa, families, retirees abroad. The lines below are the base. Exact terms are carrier-specific, so always check the policy document for the Philippines situation you care about.
What you get
- Full inpatient and outpatient medical
- Maternity (with waiting period)
- Dental and vision (add-ons)
- Chronic-condition management
- Multi-year renewals without trip-length resets
What it won't do
- Cover in your home country (limited windows on some plans)
- Pre-existing conditions during initial underwriting
- Cosmetic procedures
What care costs in Philippines
A taste of what expat insurance protects you from. The full local cost breakdown lives in the Philippines guide.
| Private GP or consultation | $12 to $26 USD |
|---|---|
| Emergency room visit (private) | $175 to $880 USD |
| Hospital, per day (private room) | $150 to $235 USD |
Expat insurance in Philippines: FAQ
In most cases Philippines expects long-stay residents and visa applicants to show proof of health coverage. The specific bar (carrier, sum insured, residency-vs-travel cover) depends on your visa class; the Philippines guide covers the country's current visa-and-residency stance.
Premiums vary by age, plan and deductible far more than by country; the underwriting risk is priced, not the postal code. The Philippines guide breaks down local treatment costs so you can see what your insurance protects you from, then run a real quote for your own number.
It depends on your situation: how long you're staying, your visa class, your age and health, and whether you want cashless treatment or are fine with reimbursement. Rather than push one plan, we match you against the options that actually fit a stay in Philippines: answer a few honest questions and see only what's relevant.
Other insurance for Philippines
Different stages of nomad life need different cover. Here's the full set we've mapped for Philippines.
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