Corporate DeskSign inSign up

Healthcare

Philippines — Healthcare: Private Insurance

PhilHealth is the national insurer under the Universal Health Care Act; premiums are 5% of monthly income and private insurance supplements it.

VerifiedGovernment / official sourcePhilHealth — Universal Health Care implementing rulesLast reviewed: 2026-10-23

Key facts

  • The Universal Health Care Act makes PhilHealth the national insurer; direct contributors pay 5% of monthly income with a PHP 500 monthly minimum from 2025.
  • A 2026 PhilHealth statistics document lists foreign nationals working or residing in the Philippines among covered groups.
  • A 2017 schedule set annual premiums of PHP 15,000 for PRA foreign retirees and PHP 17,000 for other foreign citizens; confirm current rules.
  • PhilHealth accredited 1,908 hospitals in 2024, which sets the network available to members.

Steps

  1. Obtaining Private Health Insurance in the Philippines — Research and compare insurance providers, such as those that have international branch offices or specialized expat policies. Not all insurance providers may offer policies that cover foreigners, and some may require local residency or a certain level of income.

← Back to Philippines guides