Are you a U.S. citizen living in the Philippines and wondering about your health insurance options? Many American expats find that local healthcare costs are lower than in the U.S., but out-of-pocket expenses can still be significant, especially for private hospitals and specialized care. Having a comprehensive expat health insurance plan ensures you have access to quality medical treatment without unexpected financial burdens.
Why U.S. Expats in the Philippines Need Health Insurance
While the Philippines has both public and private healthcare systems, many expats prefer private hospitals for better medical facilities and shorter wait times. However, private healthcare can be costly, especially for major procedures or long-term treatments. Without international health insurance, a serious medical event could lead to high out-of-pocket expenses.
Key Benefits of Expat Health Insurance
✅ Access to Top Private Hospitals
✅ Emergency Medical Evacuation – Some plans cover medical evacuation to nearby countries or back to the U.S. if advanced care is needed.
✅ Coverage for Pre-Existing Conditions – Certain insurers offer coverage after a waiting period or provide limited benefits.
✅ Worldwide Coverage Options – You can choose plans that cover the U.S. if you frequently travel back home.
Average Cost of Health Insurance for U.S. Expats in the Philippines
The cost of expat health insurance varies depending on several factors, including:
- Age – Premiums increase with age.
- Coverage Level – Basic plans cover hospitalization, while premium plans include outpatient care, dental, vision, and maternity.
- Geographic Coverage – Plans that include U.S. coverage are significantly more expensive.
- Deductibles & Copays – Choosing higher deductibles can reduce your premium.
Estimated Monthly Costs for U.S. Expats in the Philippines
| Age Group | Basic Plan (Hospitalization Only) | Mid-Tier Plan (Inpatient + Outpatient) | Premium Plan (Comprehensive Coverage, U.S. Included) |
|---|---|---|---|
| 35–39 | $1,000 | $1,700 | $2,370 |
| 40–44 | $1,150 | $2,000 | $2,720 |
| 45–49 | $1,350 | $2,270 | $3,030 |
| 50–54 | $1,500 | $2,530 | $3,450 |
| 55–59 | $2,000 | $3,150 | $4,330 |
| 60–64 | $2,500 | $4,015 | $5,740 |
| 65–69 | $3,300 | $5,370 | $7,670 |
| 70–74 | $4,300 | $7,150 | $10,170 |
Prices are estimates and vary by insurer, plan benefits, and personal health factors.
How to Choose the Right Expat Health Insurance Plan
To find the best health insurance as a U.S. expat in the Philippines, consider:
✔ Do you need U.S. coverage? If you travel back frequently, choose a plan that includes care in the U.S.
✔ What’s your budget? Higher deductibles and copays can lower premiums.
✔ Do you have pre-existing conditions? Some plans cover them after a waiting period, while others exclude them.
✔ Do you need family coverage? If covering a spouse or children, look for plans with maternity benefits.
✔ Are you planning to stay long-term? Choose a portable plan that lets you keep coverage if you move to another country.
Get a Free Personalized Quote Today!
The best way to find the right expat health insurance at the best price is to request a personalized quote. Costs depend on your age, health, and coverage needs, so comparing plans can help you get the best value.