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Taking care of you and your team

Health Insurance for employees in the Philippines

Our Philippine plans are offered through our partnerships with Starr International Insurance Philippines Branch.
In the context of this page We/Our/Us is Starr International Insurance Philippines Branch.

We secure your future 

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We’ve designed the Summit plans for small to mid-sized businesses (covering 5 to 100 employees), to provide affordable and locally compliant solutions for your expat employees in the Philippines as well as senior executives and local employees frequently travelling abroad for business.

  • If you are looking to cover 5 to 100 employees, check our Summit plans.
  • If you are looking to cover over 100 employees, contact us to discuss tailored solutions.


Digital or in-person support available
around the clock

Support

Emotional Wellbeing

Support for mental and emotional wellbeing with apps and services such as Expat assistance programme, Digital check-up and Wysa mind coaching app
 

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Innovative.

Digital  for convenience

Online access to insurance documents, benefits and wellness tools and services to help employees manage their health
 

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FIND OUT MORE

Global.

Global telehealth services

Employees can talk to an experienced medical team 24/7 via phone, tablet or computer
 

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Support.

24/7 Helpline

Available to support your employees

CALL US ON +60 3 92127821

Tech.

Second Medical Opinion

Expert medical support if you are unsure about a diagnosis or a surgery


Summit international healthcare plan for the Philippines

Our plans include cover for a wide range of in-patient, out-patient, day-care treatments and maternity as well as optional levels of cover such as dental, optical and repatriation benefits. Talk to our highly experienced Sales Team and get a quote.
get in touch


Build your plan



With our international healthcare plans,  you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a deductible or co-payment

Our core plan options include a comprehensive selection of in-patient, day-care, maternity and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.
Step 2:
Add any of the optional plans and tailor your benefit limits    

Provides flexibility and choice to enhance your cover by tailoring select benefit limits and adding any of our optional plans, such as dental, optical and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA or Tailored area of cover
 

Multi-country access to cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes.  The area of cover can be tailored for large group schemes.

Terms and conditions and regulatory restrictions apply.

Explore our Summit health insurance plans
for the Philippines

Together with our partners, we've carefully crafted a selection of plans designed specifically for the Philippines, drawing on our many years of expertise in international health insurance.

Swipe to view more

Philippines Summit 5000

Overall Maximum Policy Limit
US$5,000,000

Philippines Summit 4000

Overall Maximum Policy Limit
US$4,000,000

Philippines Summit 2500

Overall Maximum Policy Limit
US$2,500,000

Philippines Summit 1750

Overall Maximum Policy Limit
US$1,750,000
Type of room
Private Room
Private Room
Private Room
Private Room
In-patient / Day-care
Oncology
In-patient, day-care and out-patient treatment.
Medical Evacuation
  • In the event of emergency treatment. Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre
  • Where ongoing treatment is required, we will cover hotel accommodation costs
  • Evacuation in the event of unavailability of adequately screened blood
  • If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs for a max. of 14 days
Nursing at home or in a convalescent home
Immediately after or instead of hospitalisation.
Preventative Surgery
In-patient, day-care and out-patient treatment.
US$40,500
US$40,500
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✖
Rehabilitation treatment
  • In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases
  • Covered only if you’ve received in-patient treatment for three or more consecutive days/nights for the same medical condition
Max. 120 days
per discharge
Max. 90 days
per discharge
Max. 60 days
per discharge
Max. 30 days
per discharge
Infertility treatment
US$16,200
per lifetime
✖
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Accidental death benefit
Insured members aged 18 to 70.
US$13,500
✖
✖
✖
Health and wellbeing checks
US$1,000
US$500
✖
Upgrade available:
you can add this benefit to your plan
✖
Upgrade available:
you can add this benefit to your plan
Complications of pregnancy and childbirth
  • 12 months waiting period and co-payment apply
  • ‘Routine maternity’ can be added to Summit 5000, 4000 and 2500 plans (12 months waiting period and separate benefit limit applies).
  • Summit 5000, 4000 and 2500 plans also include ‘Elective circumcision for newborn males’ (separate benefit limit applies)

US$50,000 per pregnancy

Ask us for other options available

US$15,000 per pregnancy

Ask us for other options available

US$15,000 per pregnancy

Ask us for other options available

✖
Out-patient medical practitioner/ Specialist fees/ Diagnostic tests

Shared benefit limit for:

  • Pre-hospitalisation tests 
  • Video consultation services
  • Medical practitioner fees
  • Prescribed drugs and dressings
  • Specialist fees
  • Diagnostic tests
  • MRI scans
  • Emergency out-patient treatment
US$15,000
US$5,000
✖

Optional Deductible and Co-payment

Co-payment options

Co-payments apply to all treatments received on an out-patient basis, with the exception of:

  • Oncology
  • Video consultation services (when accessed via TeleHealth Hub)
  • Psychiatry and psychotherapy (out-patient treatment)
  • Vaccinations
  • Health and wellbeing checks
  • Cancer screening

A separate co-payment may apply to dental, optical and maternity benefits (where included).

No co-payment 
or
10% up to max. US$2,000
or
20% up to max. US$4,000
or
30% up to max. US$5,000
No co-payment
or
10% up to max. US$2,000
or
20% up to max. US$4,000
or
30% up to max. US$5,000
No co-payment
or
10% up to max. US$2,000
or
20% up to max. US$4,000
or
30% up to max. US$5,000
✖
Deductible options

Deductibles don’t apply to the following benefits:

  • Oncology
  • Psychiatry and psychotherapy (in-patient and day-care treatment)
  • In-patient cash benefit
  • Vaccinations
✖
✖
✖
No deductible
or
US$1,000
or
US$2,000
or
US$4,000

Global Health Services

Expat Assistance Programme (EAP)

Offers access to a range of 24/7 multilingual support services as follows:

  • Confidential, professional counselling (in-person, phone, video and chat)
  • Legal and financial support services
  • Critical incident support
  • Wellness website access
Travel Security Services

Travel Security Services offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:

  • Emergency Security Assistance Hotline (not a free phone number)
  • Country intelligence and security advice
  • Daily security news updates and travel safety alerts
Olive Health & Wellness support program

Our Health & Wellness support program includes, for example:

  • HealthSteps fitness app
  • Access to wellness resources 
MyHealth Digital Services
  • Manage your cover online with our app or portal
  • Submit and track progress of claims
  • Access your policy documents, health services, payment details and more
Second Medical Opinion Service
Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended.

Optional plans

Dental plan
Limits refer to dental treatment, dental surgery, periodontics and dental prostheses. Philippines Summit 5000 and 4000 plans also include Orthodontic treatment  and Philippines Summit 5000 includes dental implants (separate benefit limit applies)
US$1,500
Ask us for other options available
US$1,000
Ask us for other options available
US$750 
Ask us for other options available
✖
Optical plan
Limits refer to Prescribed glasses and contact lenses including eye examination). Philippines Summit 5000 and 4000 plans also include Laser eye treatment (separate benefit limit applies)
80% refund, up to US$500
Ask us for other options available
80% refund, up to US$250
Ask us for other options available
80% refund, up to US$250
Ask us for other options available
✖
Repatriation plan

Philippines Summit 5000

Overall Maximum Policy Limit
US$5,000,000

Benefit Guide PDF

Philippines Summit 4000

Overall Maximum Policy Limit
US$4,000,000

Benefit Guide PDF

Philippines Summit 2500

Overall Maximum Policy Limit
US$2,500,000

Benefit Guide PDF

Philippines Summit 1750

Overall Maximum Policy Limit
US$1,750,000

Benefit Guide PDF


Looking for a tailored plan?

We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.
Get in touch


A solution that works

Simplicity.

Flexibility

Flexible, modular plans:  build the cover you need.  You can even tailor the benefit limits for some treatments.

Global.

Worldwide reach

We offer a network of over 1.9M quality medical providers worldwide, settling medical bills directly with the provider for most in-patient treatments. 

Affordability.

Cost savings

We apply effective cost containment and fraud prevention methods to drive your savings.

Shaping the future.

Innovative Partner

With MyHealth app and portal members can submit claims, explore their cover, view policy and access digital tools and services to help them manage their health and wellness.

Cost savings.

Quick and Efficient

Fully completed medical claims processed within 48 hours.

FAQs

We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.

International insurance with Group terms can be offered when there are five or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

Generally, all insured members within an international healthcare group will have the same level of cover. However, for larger groups, we are able to accommodate different levels of cover through the creation of sub-groups. For further information, please contact our Sales Support Team.
If you want more information on international health insurance for a group or would like a quote, get in touch with us.

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Already a member?


Did you know that we have a support page  with all you need to know to make the most of your cover.