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Pacific Cross is a trusted choice for expats in the Philippines seeking reliable health and travel insurance. With over 70 years of experience, it offers affordable plans tailored to international residents, including coverage for medical emergencies, hospitalization, and personal accidents.
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Whether you need a standalone health policy or a top-up plan to support your existing HMO, Pacific Cross delivers flexible options that suit different budgets and coverage needs. Its long-standing presence and regional expertise make it a dependable provider for expats settling in the Philippines.
In the Pacific Prime article, we’ll dive deep into Pacific Cross’ insurance policies and how they’ll benefit expats in the Philippines.
Health Insurance Plans from Pacific Cross for Expats in the Philippines
Pacific Cross Health Insurance is one of the oldest insurance specialists in the Philippines. With over 70 years of experience insuring expats in the Philippines, the company now serves over 400,000 clients in the Philippines and Southeast Asia!
Pacific Cross provides health insurance in 4 different plans in the Philippines, ranging from Critical Cover Extra, FlexiSheild, Select, and Blue Royale.
What makes Pacific Cross a great option for expats is that their plans are cost-effective. You can stay within your budget yet still have access to several essential coverage to keep you insured in most situations.
One key advantage that Pacific Cross offers to expats is the cost-effectiveness of its insurance plans. These plans allow you to maintain your budget while still providing essential coverage, ensuring that you remain insured in most situations you may encounter.
FlexiShield Plan: Top-Up Health Coverage by Pacific Cross
Pacific Cross’ FlexiShield plan acts as a second-layer plan by helping you to have abundant financial resources if you go over your HMO’s maximum benefit limit, so you can solely focus on recovering.
Moreover, the premium is also more affordable than a stand-alone medical plan. As it’s designed purely as a top-up coverage to your existing HMO plan, it will only come into effect should you go beyond your HMO coverage.
Your current HMO (Health Maintenance Organization) might not provide enough financial cover should any critical illness strike. With Pacific Cross’ FlexiShield Plan, you will have a reliable backup to help you with the financial burden of costly medical treatments.
Certain medical conditions can be quite expensive, especially those that require confinement. Being anxious about whether or not you have enough medical coverage can add even more stress to an already less-than-ideal situation.
Here’s a list of benefits of the FlexiShield plan:
- Additional medical coverage on top of your existing HMO
- Applicable to individuals, families, and corporate accounts
- Daily hospital income
- Available at affordable premiums
- No cashing out or reimbursements
- Coverage for Covid-19
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ FlexiShield Plan:
| FlexiShield Plan: Key Benefits Overview | |
| Limit (In PHP) | |
| Maximum Benefit Limit (MBL) | PHP 2,000,0000 |
| Maximum Benefit per Disability | For each disability per year |
| Deductible Per Disability Per Year*
The first layer HMO has a Maximum Benefit Limit or Annual Benefit Limit for each covered condition per year. If the HMO’s maximum limit changes during the claim period, the applicable Deductible will be the higher of the stated limit or the HMO’s new maximum limit. However, the Insured will not be covered if the applicable Deductible has not been met. |
First Layer Plan’s MBL |
| Claims Settlement Method | 100% reimbursement not to exceed the plan limit or direct settlement by the Company through its Accredited Network. |
Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross’ FlexiShield Plan:
| FlexiShield Plan: Inpatient Hospital Benefits | |
| Room and Board including General Nursing Care | Private Room |
| Miscellaneous In-Patient Charges
Includes mandated diagnostic lab tests, prescribed medications, physiotherapy sessions, blood and blood components, anesthesia and surgical appliances, intravenous chemotherapy, radiotherapy, and dialysis treatments. It also includes therapeutic procedures like physical therapy and speech therapy related to the insured’s medical management, as prescribed by the attending physician |
As charged |
| Attending Physician’s Visit | As charged
Using the Company’s Accredited Provider Network Rates Or Up to PHP 4,000 via reimbursement |
| Specialists’ Fees | As Charged
Using the Company’s Accredited Provider Network Rates Or Up to PHP 4,000 via reimbursement |
For more information on the surgical benefits provided by Pacific Cross’ FlexiShield Plan, please refer to the table below:
| FlexiShield Plan: Surgical Coverage Details | |
| Operating Theater and Recovery Room | As charged |
| Surgeon’s Fee
Total fees of the Surgeon(s) including pre-surgical assessment and normal post-surgical care while the Insured is confined. |
As Charged
Using the Company’s Accredited Provider Network Rates Or Up to PHP 180,000 per Disability per year via reimbursement |
| Anesthetist’s Fee
Not to exceed 50% of the approved amount payable to the Surgeon(s) |
Based on the Company’s Accredited Provider Network Rates Or Up to PHP 90,000 per Disability per year via reimbursement |
The table below highlights the daily hospital income benefit from Pacific Cross’ FlexiShield Plan:
| FlexiShield Plan: Daily Cash Benefit for Hospitalization | |
| Claim Settlement Method | 100% reimbursement of daily hospital cash assistance benefit resulting from eligible confinement period that is covered by FlexiShield. |
| Maximum Benefit Limit (MBL) | Daily limit of PHP 1,000 |
| Maximum Number of Confinement Days Per Period of Insurance | 30 Days |
Select Plan: Flexible Health Insurance for Expats
Pacific Cross’s “Select” plans include two options: “Select Standard” and “Select Plus.”
For Select Plus, you will enjoy additional protection with an aggregate limit per year of up to PHP 5,000,000 with your own choice of hospital.
For Select Standard, you can choose your medical provider and doctor. You can also get medical benefits reimbursed up to PHP 2,000,000 for each disability per lifetime.
The Select Standard plan also includes:
- Access to no-cash-outlay medical treatment at accredited hospitals or reimbursement of medical expenses according to your coverage
- A wide range of medical insurance benefits
- A comprehensive Core Benefits package that covers both your medical and travel insurance requirements
- Coverage for emergency medical situations while abroad
- Round-the-clock worldwide customer support and emergency hotline assistance
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Select Plan:
| Key Benefits of the Select Health Plan | |||||
| Select Plus & Select Standard | Select Plus & Select Standard | Select Plus & Select Standard | Select Plus | Select Plus | |
| Ward | Semi-private | Private 2M | Private 3M | Private 5M | |
| Maximum Coverage | PHP 1,000,000 | PHP 1,500,000 | PHP 2,000,000 | PHP 3,000,000 | PHP 5,000,000 |
Furthermore, here is a table detailing the basic hospital benefits you can get from Pacific Cross’ Select Plan:
| Inpatient Coverage under the Select Plan | |||||
| Select Plus & Select Standard | Select Plus & Select Standard | Select Plus & Select Standard | Select Plus | Select Plus | |
| Room and Board
including General Nursing Care |
As Charged | As Charged | As Charged | As Charged | As Charged |
| Miscellaneous Hospital Expenses
for required diagnostic laboratory tests, prescribed medicines, physiotherapies, blood and components, anesthesia, and surgical appliances. |
As Charged | As Charged | As Charged | As Charged | As Charged |
| Physician’s Visit
(non-surgical) daily visit fee to a limit of |
PHP 2,000 | PHP 3,000 | PHP 4,000 | PHP 4,000 | PHP 4,000 |
| Specialist’s Fee
for 10 days for each disability per year to a daily limit of |
PHP 2,000 | PHP 3,000 | PHP 4,000 | PHP 4,000 | PHP 4,000 |
| Private Duty Nurse
at home only when certified necessary by the Attending Physician for a maximum of 5 days, immediately after hospitalization. Daily visit fee to a limit of |
PHP 2,000 | PHP 3,000 | PHP 4,000 | PHP 4,000 | PHP 4,000 |
Blue Royale: Premium Global Health Coverage from Pacific Cross
Pacific Cross’ Blue Royale health insurance plan provides one of the most comprehensive ranges of medical insurance benefits in the Philippines. It also provides you the autonomy to choose the best medical treatment anywhere in the world, with a coverage limit of USD 2,000,000 per year.
The Blue Royale Plan also includes:
- comprehensive Core Benefits that cover both your medical and travel insurance needs
- Reimbursement of eligible charges or no-cash-outlay medical treatment using accredited hospitals
- Maternity and childbirth coverage
- Services for emergency medical evacuation, repatriation, and transportation of the deceased’s remains
- Optional coverage for dental and vision benefits
- Coverage for health and travel needs from infancy up to 100 years old
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Blue Royale Plan:
| Blue Royale Plan: Annual Coverage Limits | |||
| Plan A | Plan B | Plan C | |
| Maximum Coverage Per Year (aggregate limit per year) | USD 500,000 | USD 1,000,000 | USD 2,000,000 |
Additionally, the information shown in the table below shows the inpatient benefits you can get from Pacific Cross’ Blue Royale Plan:
| Blue Royale Plan: Inpatient Medical Services | |||
| Plan A | Plan B | Plan C | |
| Room and Board
including General Nursing Care |
|||
| Daily Limit for Philippine confinement | USD 300 | USD 600 | USD 850 |
| Daily Limit for Overseas confinement | Private Room up to USD1,000 | Private Room up to USD1,500 | Private Room up to USD1,500 |
| Miscellaneous In-Patient Charges
for required diagnostic laboratory tests, prescribed medicines and supplements, blood and components, anesthesia, surgical appliances and devices, and intra-operative standard prosthetics (as approved by Pacific Cross) |
As Charged | As Charged | As Charged |
| Professional Fee | As Charged | As Charged | As Charged |
| Intensive Care Unit, Coronary Care Unit, Telemetry | As Charged | As Charged | As Charged |
| Operating Theater and Recovery Room | As Charged | As Charged | As Charged |
| Surgeon’s Fee
includes pre-surgical assessment and normal post-surgical care while confined in the treatment country for each disability |
USD 30,000 | As Charged | As Charged |
| Anesthesiologist’s Fee | 50% of Surgeon’s Fee | As Charged | As Charged |
| Bariatric Surgery Procedures
covers specific inpatient bariatric surgery procedures for weight loss and related complications, such as gastric bypass, sleeve gastrectomy, adjustable gastric band, and biliopancreatic diversion with duodenal switch. |
USD 2,000 | USD 3,000 | USD 5,000 |
| Private Duty Nurse
when certified necessary by the Attending Physician (at home for up to 30 days immediately after hospitalization) |
As Charged | As Charged | As Charged |
| Surgical Procedures
Cataract Extraction; *Dilation & Curettage; Excision of Mass/Tumor; Aspiration/ Excision Biopsy of Cyst/Mass; Incision & Drainage; Ingrown Toenail Surgery or Wedge Resection; Brachytherapy; Electrodesiccation/Electrocautery of Warts from the neck down; Colonoscopy or Gastroscopy with Excision Biopsy; Angioplasty; and other procedures as may be approved by the Company. *Coverage for Dilation and Curettage (D&C) procedure is for non-maternity-related conditions only. |
Subject to the limits of the Surgical Benefits | Subject to the limits of the Surgical Benefits | Subject to the limits of the Surgical Benefits |
| Non-Surgical Procedures
Intravenous Chemotherapy; Radiotherapy/Cobalt Therapy; Radioactive Iodine (RAI) Therapy; Colonoscopy or Gastroscopy without Biopsy; Hemodialysis; Blood Transfusion; Angiogram; and other procedures as may be approved by the Company. |
Up to Maximum Coverage Limit | Up to Maximum Coverage Limit | Up to Maximum Coverage Limit |
Critical Cover Extra: Add-On for Serious Illness Coverage
Critical Cover Extra is a critical illness rider available with Blue Royale A, B, and C plans. It provides a one-time lump sum benefit in addition to the base plan if diagnosed with any of the 8 covered critical medical conditions. Here are the following illnesses and conditions covered:
- Life-threatening cancer
- Multiple sclerosis
- Heart attack
- Benign brain tumor
- Stroke
- Coronary artery by-pass surgery and more
For more comprehensive details, below is a table highlighting the benefits you can get from securing Pacific Cross’ Critical Cover Extra Plan:
| Summary of Critical Illness Rider Benefits | |
| Issue Age | Sum insured allowed per plan |
| 4 to 18 years old | Blue Royale A, B and C: USD 25,000 |
| 19 to 55 years old | Blue Royale A: USD 25,000 | Blue Royale B and C: USD 50,000 |
Travel Insurance Options from Pacific Cross for Expats
Like their health insurance plans, Pacific Cross’ travel insurance plans in the Philippines provide cost-effective options that give you access to 24-hour worldwide emergency assistance and hospital cash allowance.
Their travel insurance options include ShortSecure, Worldwide Elite (including Schengen), Worldwide Elite (Inbound), Asia and Oceania, and Domestic plans.
Why Choose Pacific Prime to Secure Pacific Cross Plans
After all this information, you might be wondering how you can secure an insurance plan. Typically, there are two ways to secure an insurance plan; the first way is through an agent, and the second way is through a broker like Pacific Prime.
Ultimately, the result is that you secure an insurance plan most appropriate to your criteria. However, the experience and after-sales services can vary between the two, as an agent generally represents an insurance company, whereas a broker represents you.
What this means is that a broker will put your needs above those of the insurance company, guaranteeing that the plan given to you will match your particular needs and budget requirements.
Frequently Asked Questions
How to get health insurance in the Philippines for foreigners?
All expats employed in the Philippines are required to enroll in PhilHealth. Premiums are automatically deducted from their salaries, and the cost is shared between employees and employers.
How much is a hospital stay in the Philippines?
Hospital rooms in the Philippines cost about P500 a day for a ward to P6,000 and more for private rooms and suites, depending on the amenities and inclusions.
How many times can I use my PhilHealth?
PhilHealth members can use their benefits twice a year as long as the total confinement days do not exceed 45 days per calendar year. The member’s qualified dependents have the shared 45 days of coverage per calendar year.
Conclusion
With over 70 years of experience as one of the leading insurance companies in the Philippines, you can rest assured of the quality medical and travel insurance plans given to you as an expat.
However, navigating the amount of information about each insurance plan is no doubt a daunting task. But with the help of insurance brokers like Pacific Prime, you can receive professional guidance and obtain quotes for insurance policies that align with your needs and budget.
With over 20 years of reputation as a world-renowned insurance broker, Pacific Prime collaborates with top insurers across the Philippines, including Pacific Cross. So visit Pacific Prime today to find the right plan for you!
Be sure to contact us today for a free quote! Our experts excel at guiding you through the complexities to help you identify the best plans that fit your requirements and budget, all with impartiality and service-mindedness.
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After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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