Health Insurance Comparative Analysis in the Philippines

For inquiries: 

Regina Pe

09178137462 (Ofc hours only)

Emergency Health Card up to Php50,000:

Health Card (100M yearly) with COVID coverage 
https://axa.com.ph/multimedia/articles/health-products-covid-19-faq

-Extensive Medical Coverage Worldwide
-Option to Choose Your Own Doctor
-24/7 Health Support
-Cashless Transactions
-Global Concierge

Global Health Access Card types and limits
1. Gold Lite - In-patient only.  up to 100M yearly limit
    Actual Sample:
    Female (non-smoker) 42 yo Php38,000/year
    Male (smoker)  43yo Php39,000/year
    * Inclusive of annual check up package of Php12,000

2. Silver - in-patient and out-patient. up to 50M yearly limit
    * Inclusive of annual check up package of Php12,000

3. Gold - in-patient and out-patient. up to 100M yearly limit
    * Inclusive of annual check up package of Php20,000

4. Platinum - in-patient and out-patient. up to 100M yearly limit
    * Inclusive of annual check up package of Php60,000

In-Patient Coverage for all card types (Gold Lite, Silver, Gold, Platinum)
1. Surgery, consultations, organ transplants, surgical implants, etc.
2. Phils: Standard Singe Room up to Php7500/night
   Outside the Phils: Standard Single Room
3. Pre/post Pre/post hospitalization treatment within 90 days prior to
confinement and 90 days following discharge. Treatment must be related to the cause of
confinement.

Out-Patient Coverage
Consultation and prescriptions, diagnostic scans, lab, investigations, X-ray and Ultrasound
(Inclusive of alternative treatment limit for selected plans)
1. Gold Lite - Only as part of ‘Pre and Post Hospitalization Out-patient Treatment’ Benefit
2. Silver - up to Php200,000
3. Gold - up to Php300,000
4. Platinum - included

Alternative Treatments e.g. acupuncture, chiropractic, traditional Chinese medicine,
prescribed vitamins and supplements

1. Gold Lite - No benefit
2. Silver - No benefit
3. Gold - up to Php60,000
4. Platinum - up to Php60,000

PRUHealth Prime - launched Nov2020:

has the ff benefits: Death Benefit, Accidental Benefit, Total and Permanent Disability,

Early stage cancer, Late stage cancer, Hospital allowance, Post hospitalization

PRUHealth Prime is an investment-linked life insurance plan payable for 20 years that provides the following features: 

Ready fund in case of Early Stage Cancer 

This advances 50% of your sum assured or PhP 3.75 million, whichever is lower, and provides additional benefits in case of hospital confinement. 

Fund you can use upon detection of Late Stage Cancer 

This gives you the full sum assured plus the fund value less any Early Stage Cancer claim and provides additional benefits in case of hospital confinement. 

Legacy to your loved ones 

You have the comfort of knowing your beneficiaries will receive the death benefit which consists of the sum assured plus the fund value less any Early Stage Cancer claim in case of death. 

Source of funds for emergency 

You have the assurance that a fund from the living benefit of the policy is readily available when you are in dire need of financial aid because of an emergency. However, withdrawing from your fund is subject to specific guidelines set by Pru Life UK. 

Celebrate the life you live 

Once you reach age 85, you will receive the sum assured plus the fund value less any Early Stage Cancer claim.

PRUHealth Prime is an investment-linked life insurance plan payable for 20 years that provides coverage for death, cancer, and hospitalization benefits until age 85 of the Life Insured. The policy terminates upon full withdrawal of living benefits or payment of the death, maturity or late stage cancer benefit. 

Cancer Benefit The following are the types of cancer covered by this product.

Early Stage Cancer Late Stage Cancer

 • Carcinoma In-Situ of Covered Organs

 • Early Prostate Cancer 

• Early Thyroid Cancer 

• Early Bladder Cancer 

• Early Melanoma 

• Early Chronic Lymphocytic Leukemia

 • Carcinoma In-Situ of Specified Organs Treated with Radical Surgery

Aside from the cancer benefits, PRUHealth Prime provides the following benefits related to hospital confinement. 

Hospital Income Benefit 

Pays daily hospital income (DHI) benefit of 0.125% of the Sum Assured, subject to a maximum of PhP 10,000 per day if the Life Insured is hospitalized due to Early Stage and/or Late Stage Cancer listed above. We will pay twice the amount of the Hospital Income Benefit if hospital confinement is in the Intensive Care Unit (ICU). This benefit is subject to a maximum of 90 days of hospital confinement, inclusive of confinement in the ICU, for the lifetime of the policy, where each hospital confinement is capped at 45 days. This Benefit will be payable only if claimed simultaneously with the corresponding Early Stage Cancer Benefit and/or Late Stage Cancer Benefit.

Post-Hospitalization Benefit 

Pays a lump sum amount of PhP 5,000 for a specialist doctor visit due to Late Stage Cancer following discharge from hospital confinement for said Late Stage Cancer. This benefit is payable once and may be claimed simultaneously with the Late Stage Cancer Benefit and/or Hospital Income Benefit, provided that the definition of this benefit is met and proof of the specialist doctor visit is provided.

AIA Med-Assist - Php500,000 up to 4M a year:
https://mb.com.ph/2020/05/25/aia-philam-is-on-track-to-hit-coverage-goal-on-critical-illness/
https://bilyonaryo.com.ph/2020/05/22/medical-expenses-made-manageable-with-philams-aia-med-assist/



FWD Set for Health
AXA Health Max
Pru Life Multiple Care Plus
Manulife Health Choice
Sunlife Fit and Well