Which Health Insurance Plan Do You Need: GHA or HCA?
Global Health Access (GHA)
International + Philippines coverage. Up to ₱175M worldwide. Ideal for expats, OFWs, and frequent travelers. Valid in your home country and abroad.
Health Care Access (HCA)
Philippines-focused coverage. Full hospitalization + outpatient care. Cashless at major Cebu hospitals. Preventive & wellness benefits included.
Why Is PhilHealth Not Enough for Healthcare Professionals?
PhilHealth Gaps Covered
PhilHealth covers only 60–80% of hospital costs (Philippine Health Insurance Corporation). Our plans fill the remaining gap — deductibles, co-insurance, and premium room upgrades — with zero out-of-pocket at cashless hospitals.
No Out-of-Pocket at Big Hospitals
Cashless at Chong Hua, Cebu Doctors', UC Med, and dozens of other Cebu hospitals. No claims paperwork after discharge.
Preventive Care Included
Regular check-ups, dental, vision, and wellness benefits. Our plans cover prevention, not just crisis hospitalization.
International Coverage Option
With GHA, you're covered in your home country, while traveling, or working abroad. Single policy, worldwide access.
Which Cebu Hospitals Accept Your Health Insurance?
Health Insurance FAQ
Do I still need PhilHealth if I have private health insurance?
Yes. PhilHealth is mandatory and provides basic protection. Private health insurance complements it by covering hospital co-payments, room upgrades, preventive care, and services PhilHealth does not cover.
Do I still need PhilHealth if I have private health insurance?
Yes. PhilHealth is mandatory and provides basic protection. Private health insurance complements it by covering hospital co-payments, room upgrades, preventive care, and services PhilHealth does not cover.
How much does health insurance cost per month?
Costs vary based on your age, health status, coverage level, and plan type. Our advisors provide personalized pricing after a brief needs assessment — book a free consultation for exact figures.
Can I use health insurance outside the Philippines?
Yes, with the Global Health Access (GHA) plan. GHA covers treatment in the Philippines, your home country, and while traveling internationally. Standard HCA plans are Philippines-only.
What happens if I miss a premium payment?
Most plans have a 30-day grace period. If you miss payment after the grace period, your coverage lapses. Our advisors can help set up auto-payments to avoid this.
Get Covered Today, Stay Protected Forever
Free consultation. Zoom-friendly. English-speaking advisors. Castle Peak Hotel, Cebu City.