List of Critical Illness Health Insurance in Philippines

Worried about medical expenses? It is best to protect yourself against spending too much on hospital bills and health care. See the list of critical illness health insurance in the Philippines to get peace of mind.

What is Critical Illness

For the most part, health conditions that are chronic, life threatening or does not have a guarantee of being cured may be considered critical illnesses. Usually, emergency health conditions are included such as but not limited to heart attack, stroke or cancer.

See: Top HMO Companies

Health Insurance with Critical Illness Coverage

A number critical illness health insurance in the Philippines can provide you with the financial protection if ever you will be diagnosed of severe health condition.

Axa Health Max

Health Max is the plan from AXA that covers up to 56 critical illnesses. This also includes at least 18 minor illnesses covered by the plan.

Benefits

• Up to 56 critical illnesses coverage
• Plan holders are covered up to 100 years old
• provides up to 2x claim for different illnesses
• Various payment methods available

AXA Health eXentials

It is one of the most affordable critical illness health insurance offered by the company. For as low as Php 59 per day*, you will be protected by a health insurance for critical illnesses.

Benefits

• Covers cancer, stroke, heart attack, Alzheimer’s, Parkinson’s, and kidney failure. just to name a few.
• No need for medical examination to avail this plan
• Up to Php 5 million coverage until 55 years old
• Available for purchase online

*As of latest advertised info

BPI-Philam Critical Care 100

A health and life insurance plan in one. It provides up to 100 critical illness consitions even if you reach 100 years old.

Benefits

• Provides you with life insurance coverage
• Coverage is from 0-100 years old
• Additional cash benefit if you are diagnosed with gender related cancer

BPI-Philam Critical Care Max

A plan that provides both life and health insurance for those who need good coverage.

Benefits

• Receive cash benefits when you are diagnosed with the critical illness covered by the plan
• Growth of fund depending on your chosen investment
• Life insurance coverage of up to 100 years old
• Payment waiver for life insurance if you are diagnosed with one of the 56 critical illness covered

List of Critical Illness Covered By Health Insurance

Various insurance providers may have their respective list of covered health conditions. The following are just some of the possible concerns included in most health insurance plans.

Kindey Failure

Parkinson’s Disease

Partial or Total Paralysis

Bacterial Meningitis

Alzheimer’s Disease

Cancer

HIV/AIDS

Blindness

Tumor

Loss of Speech

Vision Loss

Loss of Limbs (arms, hands, legs, feet)

Heart Attack

Stroke

Critical illness may involve a large amount of expenses that’s why it is best to prepare for it with a health insurance or HMO coverage.

HMO With Critical Illness Coverage

A number of health insurance can cover critical illnesses because of a bigger benefit. However, most HMO or health card companies can only cover a certain amount. In this case, it would be best to have a list of HMO with critical illness benefit.

Related: HMO for Senior Citizens

Maxicare

The company has one of the most extensive coverage in the HMO industry. It has special programs for those with pre-existing conditions and dreaded diseases. It might be ideal to get the plan that includes the highest amount of coverage such as Platinum.

Cheapest Insurance

Individual

Family

Corporate

Senior Citizen Coverage

Best for Self Employed

Related: HMO with Pre-Existing Condition Coverage

Only a limited number of health insurance companies provide coverage for critical illnesses. Therefore, it is best to compare their rates and ease in filing a claim.

References: Investopedia, The Balance

Last Updated on February 13, 2021 by Medical Pinas