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Allianz offers a range of health insurance plans in the Philippines through Allianz PNB Life, designed to meet the needs of both expats and local residents. These plans provide flexible coverage options, from basic critical illness protection to high-limit global healthcare plans, helping individuals safeguard their health and finances while living in the country.
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Whether you are relocating to the Philippines or already living there, Allianz PNB Life ensures access to trusted healthcare providers and facilities. With several options to help you choose a reliable health insurance policy in the Philippines, you can find coverage that fits your budget and medical needs while ensuring quality care for preventive services, diagnostics, and emergencies.
Health and Life Insurance Options from Allianz PNB Life
Allianz PNB Life is Allianz’s health and life insurance in the Philippines, offering different health insurance plans that not only meet specific healthcare needs but also suit one’s financial situation.
Through their health insurance plans, you can get in touch with an accredited healthcare provider. You can also use your medical insurance plan to seek appropriate treatment.
Products
- Allianz eAZy Health: An affordable, renewable 5-year insurance granting you peace of mind and allowing you to safeguard your health.
- Allianz Well!: A health plan featuring a 100M limit providing annual medical coverage as well as the option of choosing preferred doctors or healthcare facilities.
- Health Dynamics: A flexible health insurance plan that includes multi-stage critical illness coverage.
Allianz eAZy Health: Affordable 5-Year Insurance Plan
Allianz PNB Life’s Allianz eAZyHealth is a 5-year insurance plan that is not only affordable but ensures peace of mind by allowing buyers to safeguard their health efficiently. What sets this apart is it is the only critical illness coverage, allowing buyers to also future-proof their health.
The renewable plan ensures buyers that any potential illness, even before formal diagnosis and before it affects physical and functional abilities, is comprehensively covered.
What’s more, no medical checkup is needed before the coverage effective date, allowing buyers to get protected by the health insurance policy for five years without undergoing medical examinations.
Allianz Well!: Premium Coverage with Global Access
Allianz PNB Life’s Allianz Well! is an additional health insurance coverage that adds to one’s HMO (Health Maintenance Organization) coverage. Through this additional health insurance plan, buyers can check health risks through early detection and diagnosis to increase the chances of finding a cure.
Allianz Well! also allows buyers to choose their preferred doctor or hospital to seek the treatment they need no matter the professional fees or services. Another benefit in addition to health screening and dental services, the coverage also includes perks like gym membership or dietary counseling.
Health Dynamics: Multi-Stage Critical Illness Insurance
Allianz PNB Life’s Health Dynamics is a flexible regular-pay health insurance plan featuring multi-stage critical illness coverage. Among the critical illnesses covered under Health Dynamics include Alzheimer’s, stroke, kidney failure, heart disease, and cancer.
This plan also allows you to supplement your existing health insurance coverage, allowing you to enjoy superior health insurance protection and rest easy knowing your health and well-being are in good hands. Aside from paying in Philippine Pesos, expats living in the Philippines can also pay in USD.
Thanks to its flexibility, buyers can choose to pay either on a monthly or annual basis depending on their financial convenience.
Allianz Philippines Health Insurance: Sample Pricing Guide
Your exact cost of Allianz Philippines health insurance will depend on the specific plan you choose. Below are examples of the cost of health insurance plans under Allianz PNB Life.
Allianz eAZy Health
- Blue Plan: PHP 8,000 (approx USD $141.57) annually
- Silver Plan: PHP 10,300 (approx USD $182.28) annually
- Gold Plan: PHP 12,800 (approx USD $226.52) annually
- Platinum Plan: PHP 15,100 (approx USD $267.22) annually
For more information on benefits under Allianz eAZy Health, please click here.
Allianz Well!
Below are examples of annual premiums for a 100M Allianz Well! plan.
150,000 Deductible
| Age | Worldwide (excluding the US) | Worldwide |
| Age 20-45 | PHP 29,300-48,500 (approx USD $518.57-$858.58) | PHP 58,600-97,000 (approx USD $1,037.13-$1,716.75) |
| Age 50-70 | PHP 55,800-131,000 (approx USD $1,026-$2,318.50) | PHP 111,600-262,000 (approx $1,975.15-$4,637) |
50,000 Deductible
| Age | Worldwide (excluding the US) | Worldwide |
| Age 20-45 | PHP 37,700-62,400 (approx USD $667.23-$1,104.39) | PHP 75,400-124,800 (approx $1,334.47-$2,208.77) |
| Age 50-70 | PHP 71,800-168,600 (approx USD $1,270.75-$2,983.97) | PHP 143,600-337,200 (approx $2,541.50-$5,967.93) |
No Deductible
| Age | Worldwide (excluding the US) | Worldwide |
| Age 20-45 | PHP 43,000-71,300 (approx USD $761.04-$1,261.90) | PHP 86,000-142,000 (approx USD $1,522.07-$2,523.80) |
| Age 50-70 | PHP 82,000-192,000 (approx USD $1,451.28-$3,408.73) | PHP 164,000-385,200 (approx USD $2,902.55-$6,817.46) |
Click here for more information on Allianz Well!
Key Reasons to Choose Allianz PNB Life Insurance
Allianz PNB Life grants both expats and locals access to various healthcare providers and facilities throughout the Philippines, ensuring they get the treatment they need. Below are key reasons why Allianz PNB Life is highly recommended.
Protect Your Finances with Comprehensive Medical Coverage
Healthcare in the Philippines can be overwhelmingly expensive, meaning falling ill or getting injured could potentially cost a fortune depending on the severity of said illness or injury.
Thus, obtaining an adequate health insurance plan from Allianz PNB Life is strongly recommended as it covers various medical procedures, eliminating the need to pay out-of-pocket for potentially overwhelming medical bills on your own.
Access Quality Care and Trusted Medical Providers
Once you secure a health insurance plan, you can then access numerous healthcare providers and specialists to ensure your health and well-being will be in good hands with the right treatment that you need. Furthermore, Allianz Well! plan also allows free selection of preferred doctors or hospitals.
Health insurance plans also cover preventative care and diagnostic tests, which are essential in keeping you safe and healthy in the long run. And with an adequate health insurance plan, you can access healthcare providers and specialists for preventative care and diagnostics right away.
Manage Rising Healthcare Costs with Allianz Plans
With the constant evolution of medical technology, healthcare costs constantly rise as well. What this means is despite available medical procedures to address your health concerns, affordability may be an issue.
However, a health insurance plan will cover any medical procedure or treatment you seek without needing to spend overwhelming out-of-pocket expenses on your own. That way, you can then shift your focus to paying your premiums accordingly.
Why Expats in the Philippines Need Health Insurance
If you’re an expat living in or looking to relocate to the Philippines, one of your biggest priorities is to secure an adequate health insurance plan that matches not only your budget but also your unique healthcare needs.
This is because when you’re living overseas, the possibility of illnesses and diseases always exists much like in your home country. Moreover, depending on the country, certain medical bills could also be expensive, requiring you to pay out-of-pocket expenses on your own.
Additionally, there may also be certain health risks in the Philippines in which your body does not recognize the pathogens causing such diseases. Also, because there are certain pathogens your body does not recognize, you may not have time to adapt to such pathogens as locals can.
Thus, it’s crucial to secure an adequate health insurance plan when living in the Philippines as an expat.
Frequently Asked Questions
Is Allianz a good company?
Allianz assures their customers that they can offer guaranteed, secure health insurance coverage from not only a trustworthy but reputable health insurance company.
What are the three types of health insurance in the Philippines?
The three types of health insurance programs available in the Philippines include PhilHealth, Health Maintenance Organizations (HMO, such as Maxicare, Medicard, or Intellicare), and private insurance companies.
What are the key benefits of Allianz PNB Life’s Allianz eAZy Health plan?
Allianz eAZy features critical illness, life, accident, and disability benefits to lessen your financial burden. The plan is not only affordable but also renewable.
Conclusion
In conclusion, Allianz PNB Life’s various health insurance plans not only offer suitable health insurance plans that match your specific healthcare needs but also your budget.
From the renewable Allianz eAZy Health allowing you to future-proof your health to Allianz Well! allowing early detection and diagnostics as well as free specialist and healthcare facility selection, staying healthy in the Philippines for both expats and locals is no longer a far-fetched dream.
Known as a leading international health insurance broker, Pacific Prime has 20 years of experience in matching both expats living overseas and local citizens to the health insurance plan that matches both their comfortable budget as well as their specific healthcare needs.
Whether you’re an expat living in the Philippines or you’re a local Filipino citizen yourself, Pacific Prime and our team of experts are more than happy to help you find the right health insurance plan you need to safeguard not only your finances but also your health and well-being.
If you have any further questions, please don’t hesitate to get in touch with us.
Enjoyed this article? Read our other blog articles on subjects like Health Insurance In the Philippines For Foreigners, Top Philippines Insurance Companies for Expats And Travelers, and Senior Health Insurance for Expats in the Philippines!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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