Insurance coverage in the Philippines

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in the Philippines: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in the Philippines.



I tried to get funeral insurance, but was refused as I was a foreigner (  xenophobic attitude again) I emailed philam life who wanted to send an advisor to assist me, I told them I did not want an advisor, I only wanted funeral insurance ie whole life insurance, No more contact from philam lol. I cannot get cover from UK it appears only UK residents can avail. So AS OF THIS MOMENT i HAVE NOTHING, If any ideas out there pass them on thanks

Hi chaps, we went the Blue star way with discounts for avoiding the USA and Japan. Being  60 plus we expected to pay high premiums but were amazed at the increases each year. the amount of paperwork involved following a claim is mountainous!

All the claim is not paid and it is a fraction of the what it costs you. However important things such as heart attacks are all paid up.........if u r still alive to fill the forms out!

3 years and no claims but the expense was too much and so we joined Phil Health and have a discount at the local hospital. Over 60 now for both of us we have it for free.

I would advise having a lump of cash in the bank for emergencies and take good care of yourselves.

Peter I am considering joining Philhealth as it is good value even though only 45 days hospital cover. A friend of mine is already registered, he is 78 and pays 200 a month. Your comment about over 60 so now free! Could you please expand on that statement.

Yes the fee is not expensive we have paying normal rates for three years and it was the staff at the Phil Health who told us that it was free for over 60s. Now after producing some IDs we have a sheet of A4 stating our situation and told to produce it to the authorities when required.

Senior citizen discount is also worth having and good for 20% in restaurants.

Be very carefull of Insurance in the 'Philippines,
My Wife lost Two Endowment policys, with different Companies that went Bust.
One she recieved nothing. The other, a small percentage of the Policys value.

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