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Medical Insurance in the Philippines


Medical costs are one of the most pressing concerns in today’s times. When your family’s health is at stake, we know you need a no-nonsense medical plan that will give you the best care possible. Blue Cross Insurance, Inc. offers you value-packed medical plans especially designed to give you superior medical coverage:





Select Plus

With an aggregate limit per year of up to PHP3,000,000 and still with your own choice of medical provider, this plan provides added and superior protection.


Select Standard

Allows you to choose your own hospital and doctor and reimburse medical benefits up to PHP3,000,000 for each disability per lifetime.


Select Plus & Select Standard
  • Swift reimbursement of medical expenses based on your coverage – When you choose Select, you are assured of swift reimbursement of eligible medical charges! Select provides a maximum coverage limit of up to Php3,000,000.
  • Your own choice of doctor, hospital and specialist –  Select offers you complete freedom of choice. This means you can avail of the best medical treatment with your own choice of doctor, hospital or specialist.
  • Comprehensive range of medical insurance benefits – Select offers a comprehensive range of in-patient and out-patient medical benefits, all designed to provide you the financial security and assistance you need in times of illness.
  • Emergency overseas coverage – Select also covers you for emergencies and accidents when you travel, so you can receive the best medical assistance anytime, anywhere in the world.
  • 24-hour worldwide customer assistance and emergency hotline – Blue Cross, with its emergency assistance partner, has a worldwide network of alarm centers and full time medical professionals ready to help you 24 hours a day, seven days a week, 365 days a year.
  • Coverage flexibility – You can opt to use our accredited network and avail of no-cash-outlay in-patient and emergency out-patient medical treatment through our ACCESS facility.


Some things all applicants should know:

As with all insurance, there are some important points you should know before entering into a contract. In this section, we identify some key Policy provisions.

1. Your coverage begins thirty (30) days after the date shown on your Policy. However, you already have immediate coverage for accidental injury.

2. A pre-existing condition is a disability or illness which existed before the commencement of cover. The existence of a pre-existing condition can be clinically determined given its natural history, irrespective of whether or not the insured is aware of the illness or condition. Providing cover for a pre-existing condition is subject to evaluation by our Medical Director, and if it is excluded from cover we will notify the insured accordingly.

3. While your Policy is issued in the Philippines, it can provide Emergency Coverage when you are overseas. However, please note that the maximum period of cover is for 90 days only of accumulated stay or travel abroad during the Policy year, with each trip not exceeding 30 days.

4. Certain conditions are permanently excluded from being covered. These conditions include:

  • Congenital conditions, birth defect and abnormalities
  • Artificial implants, durable medical equipment, grafts, prosthetic devices and corrective devices other than artificial limbs
  • Cosmetic surgery or related complications, contact lenses, hearing aids and prescriptions thereof, except those that may be required for reconstructive surgery due to or as a result of an accident
  • Suicide, attempted suicide or intentional self-inflicted injury
  • Pre-existing conditions unless such have been declared and approved by the Company
  • Acquired Immune Deficiency Syndrome (AIDS), Aids Related Complex (ARC), and Sexually Transmitted Diseases (STDs)
  • Osteoporosis/Benign Prostatic Hypertrophy (for age 50 and above)
  • All contraceptive methods of birth control; or screening and/or treatment pertaining to infertility
  • Pregnancy related expenses and screening, childbirth (including surgical delivery); miscarriage and abortion, including their complications; pre-natal or post-natal care as well as nursing care for the newborn

5. Your contract is guaranteed renewable up to age 65. However, we reserve the right to adjust your premium and other Policy conditions upon written advice 45 days prior to each renewal.

6. For full details, please refer to the Policy.


For more information, please contact:

Maria Hacia H. Tadan
Senior Account Executive, Medical Sales

Blue Cross Insurance, Inc.
Blue Cross Center, 8000 Makati Ave.,
1200 Makati City, Metro Manila, Philippines
Mobile Nos.: +63 9165334232 (GLOBE)
Telephone No.: (+63 2) 899-8001 Local 7301


Press release by: Blue Cross Insurance, Inc.
Author:  Expatch Editorial Team






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