HMO with Coverage Abroad for Traveling

Do you love touring the world? Find out which health plans have coverage abroad for a worry free travel.

1. Medicard VIP

Minimum coverage: ₱200,000 (regular private for dreaded disease like cancer, AIDS, heart attack and stroke)

Basic Benefits:

• Medical consultation (multilingual staff, 24 hours a day)
• Assist America service partner
• Emergency medical evaluation

Website: https://www.medicardphils.com

2. Maxicare

Maxicare may only cover emergency services abroad and only through reimbursement procedures. The member may initially pay out of pocket and process with Maxicare later on.

Minimum coverage: ₱100,000 (silver)

Basic Benefits:

• Hospital room and board (semi private, local equivalent)
• Doctor Consultation
• Emergency care with ambulance

While medical coverage does not necessarily involve HMO health cards, you can find a health plan company that can cover medical expenses while you are outside of the Philippines. Usually, they are priced based on US dollars. However, you can still pay the premiums in Philippine peso at home.

3. AXA Global Health Access

Minimum coverage: ₱50 million (Silver account)

Basic Benefits:

• Emergency care
• Inpatient and outpatient care
• Psychiatric treatment
• Multivitamins and food supplements

Website: https://www.axa.com.ph

4. Pacific Cross Blue Royale

Minimum coverage: $500,000

Basic Benefits:

• Daily limit overseas confinement is $1,000
• Room and board
• Private nurse
• Surgical procedure (subject to limit)

Website: https://www.pacificcross.com.ph

How do I qualify for my health card coverage internationally? In most cases, there is a set limit to the distance from one’s home country to another. For example, one health card may start the coverage if you are traveling more than 150 kilometers from home.

On the other hand, comprehensive health insurance plans in the Philippines can cover you in all countries utilizing their partner health institutions for a number of days (30 to 90 days).

Your health card type of account will determine the payment scheme. In most cases, you will still pay annual or semi-annual for most HMO plans. The coverage within international health systems will be based on your maximum benefit limit in US dollar to Philippine peso conversion.

On the other hand, health insurance plans with international coverage may have payment options and benefits in US dollars.