₱175M
Maximum lifetime coverage
Worldwide
Any hospital, any country
50+
Critical illness conditions covered
24/7
International medical assistance
What High Coverage AXA Insurance Covers in Cebu
Hospitalization
Up to ₱175M lifetime
Room & board, surgery, ICU — any hospital worldwide
Cancer Treatment
Full chemo & radiation
All cancer types, all stages — no sub-limit cap
Mental Health
Included — no extra cost
Psychiatric hospitalization and therapy
International Evacuation
24/7 medical assistance
Emergency transport to the nearest appropriate hospital
Worldwide Validity
Any hospital, any country
Treatment in Korea, Japan, US, UK, Singapore — all covered
Critical Illness Add-On
Lump sum on diagnosis
Cash payout for cancer, stroke, heart attack, and 50+ conditions
Who Needs High Coverage Insurance in Cebu?
Breadwinners with Dependents
If your family relies on your income, a ₱1.5M hospitalization without coverage ends their future. High-coverage insurance protects them even in worst-case medical scenarios.
Professionals Who Travel Internationally
Surgery in Singapore or Japan costs ₱3M–₱10M. Travel insurance doesn't cover extended stays. AXA GHA covers you worldwide — no claims submission to a foreign office.
Those with Family Health History
Cancer, heart disease, and stroke run in families. Getting maximum coverage before any diagnosis ensures you aren't underinsured when it matters most.
High-Income Professionals & Executives
Your earning potential is your biggest asset. Protecting it with ₱175M health coverage ensures your income and lifestyle are never disrupted by a medical event.
High Coverage Insurance FAQ
What is the highest health insurance coverage in Cebu?
AXA Global Health Access (GHA), available through Crux Consultants Ph, offers the highest health insurance coverage in Cebu — up to ₱175 million lifetime. It is valid at any hospital worldwide, covers cancer, ICU, surgery, and mental health with no sub-limits.
How much does high coverage insurance cost in Cebu?
High-coverage AXA GHA plans in Cebu typically range from ₱4,000 to ₱15,000/month depending on age, health history, and the benefit limit selected. Your Crux advisor will find the maximum coverage that fits your budget in a free consultation.
Is ₱175M really the maximum coverage for health insurance in the Philippines?
Yes. AXA Global Health Access (GHA) provides a lifetime benefit cap of ₱175 million — the highest available from any licensed insurer in the Philippines. This is not annual; it is a lifetime limit that renews with the policy.
What is the difference between AXA GHA and critical illness insurance?
AXA GHA covers medical expenses — hospitalization, surgery, treatment costs. Critical illness insurance pays a lump-sum cash benefit upon diagnosis of a covered condition (cancer, heart attack, stroke) regardless of your treatment costs. You can and should have both: GHA for treatment coverage, critical illness for income replacement.
Get Maximum Coverage — Designed for Your Life
Free consultation with a certified Crux advisor. We build the highest coverage plan your budget allows.
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