Finding the right healthcare coverage

Moving to the Philippines is exciting, but choosing the right health insurance and healthcare providers can be confusing. With dozens of HMOs, PPOs, international plans, and private hospitals available, many retirees and expats end up paying for coverage they don’t need—or choosing plans that don’t work where they live.

We help retirees, expats, and digital nomads find the best healthcare and insurance options in the Philippines, tailored to your lifestyle, health needs, and budget.

Healthcare Options in the Philippines

Most foreigners use private healthcare providers, especially in Metro Manila, Cebu, Clark, and Davao. These facilities offer:

• English-speaking doctors
  
  

• Modern equipment
  
  

• Short wait times
  
  

• High-quality care at lower costs than Western countries
  
  

Public healthcare and PhilHealth may help reduce costs but are typically best used as supplemental coverage.

Health Insurance Options Explained

HMO Plans

• Lower monthly cost
  
  

• Best for outpatient and routine care
  
  

• Limited hospital networks
  
  

PPO Plans

• Greater flexibility
  
  

• Better hospitalization coverage
  
  

• Higher premiums
  
  

International Health Insurance

• Coverage in and outside the Philippines
  
  

• Often more expensive than necessary for full-time residents
  
  

The right choice depends on your health, visa, lifestyle, and location.

Why Work With a Local Healthcare & Insurance Advisor?

Many retirees and expats overpay simply because they lack local insight. We help you:

• Avoid unnecessary coverage
  
  

• Match insurance to accepted hospitals
  
  

• Understand exclusions and limits
  
  

• Save money without sacrificing care
  
  

Tour Healthcare Providers Before You Choose

We offer guided tours of hospitals and clinics so you can:

• Visit providers in person
  
  

• Confirm insurance acceptance
  
  

• Compare quality and facilities
  
  

• Make confident decisions before committing
  
  

Start Your Life in the Philippines with Confidence

With the right guidance, healthcare in the Philippines can be high-quality, affordable, and stress-free.

👉 Contact us today for a personalized healthcare and insurance consultation.