Can a foreigner get insurance in the Philippines?

  • January 4, 2023


If you’ve been looking for insurance in the Philippines, good news! It’s easier than you might think. If you’re planning to travel to the Philippines and want to buy some insurance, keep in mind that you can’t really do it the same way in your home country. You can take a look at the list below if you want to know how exactly it works here in the Philippines — or maybe there are some things you want to check before you get on with a plan.

The Philippines already has a reputation when it comes to its affordable and affordable prices. However, that is not the case when it comes to insurance. While there are several companies that offer cheap coverage, they are almost all foreign-owned companies. As a result, out-of-country citizens will face high premiums (and sometimes be denied altogether).In this blog, you will learn how a foreigner can get insurance in the Philippines.

Yes foreigners can get insurance

Yes, foreigners can get insurance in the Philippines. But it is recommended to get them from international companies that have offices in the Philippines.

Yes, foreigners can get insurance in the Philippines. The only thing is that you have to go through a process and you will need to submit documents that prove your identity and address.

Insurance companies do not want to deal with foreigners, so it is recommended that you buy your own policies so that you are sure of your coverage.

Yes, foreigners can get insurance in the Philippines. But you need to be a resident of the Philippines for at least one year before you can apply for an insurance policy.

Foreigners who are not permanent residents of the country can also purchase life insurance and health insurance policies. However, they will have to pay higher premiums compared to citizens and permanent residents of the country.

Yes, foreigners can get insurance. You can even apply online. If you are a foreigner, then there is no need to jump through hoops and apply for a new policy. You can simply register your mobile number.

You will have to provide your passport and proof of residence in the Philippines such as utility bills or rental agreements. These are all basic requirements that every policyholder must have.

Health insurance

The Philippines is a country of many opportunities and challenges. It’s a place where you can find the best of both worlds: a thriving economy and a safe environment. You can enjoy the beautiful beaches, see the country’s rich culture, and even learn about its traditions.

But no matter how much you love your country, there are some things that you might not like about it. If you’re planning on moving to the Philippines, there are some things that you should know first before choosing a residence in this country.

One of these things is health insurance in the Philippines. The Philippine health care system is not without its problems but if you have insurance coverage, it will make your life so much easier.

Most people who live in the Philippines are covered by Filipino health insurance. Most Filipinos are covered by the government-run PhilHealth.

This is because most Filipinos are employed by private companies and are therefore required to have health insurance. This is also true for many ex-pats, as they often work for international companies that require their employees to carry medical insurance.

If you aren’t sure whether or not your employer offers health insurance, ask them directly and make sure you get a printed copy of their policy, which will be easier to explain than an online quote.

The Philippines does not have a mandatory health insurance program for foreigners. However, there are some insurance companies that offer health insurance for foreign nationals. This can be helpful in having access to medical care when needed.

The Visiting Nurse Association of the Philippines (VNAP) is a non-profit organization that offers health services and coverage to immigrants who are unable to afford it themselves. In addition to basic medical services, VNAP provides urgent care and can refer patients to hospitals or other local providers if needed.

There are also some private clinics that offer discounted rates for foreigners or ex-pats living in the Philippines. These clinics often have English-speaking doctors and nurses on staff who can explain what procedures they perform, how they work, and how much they cost.

Life Insurance

The Philippines is a very safe country, but it is not immune to disasters like earthquakes or typhoons. If you are visiting the Philippines, then you may want to consider getting life insurance.

Life insurance is not uncommon in the Philippines and it’s readily available at many local banks. However, the type of insurance varies depending on your needs and circumstances as an ex-pat living in the Philippines.

Life Insurance is available to ex-pats living in the Philippines, but it’s not always easy to obtain. The easiest way is through a local company – they’ll be able to provide you with a quote and arrange the paperwork within a few days.

If you don’t want to go through this process, you can try your own hand at getting a policy through an ex-pat insurance provider like Direct Line or Aviva. You’ll need to provide proof of your income and property, as well as evidence that you’re not currently taking out any other types of insurance (such as health or car).

If you live in the Philippines, chances are you’re already covered by one or more life insurance policies. These policies offer different types of protection, from accidental death and dismemberment to medical cover. When it comes to life insurance, the minimum age requirement is usually 18.

Here’s how to get a policy in the Philippines:

1. Get a medical checkup at your local hospital. Your doctor will conduct a physical exam and take blood samples for testing.

2. Apply for a policy with your employer’s health insurance provider (if they provide one). If your employer doesn’t offer coverage, you can still get private health insurance from an accredited insurer such as Philamlife or Zenith Life Insurance Corporation (ZLC).

3. You can also buy an individual life insurance policy directly from insurers like Philamlife and ZLC online using our online platform or through an agent at any branch of Philamlife or AIG Life Insurance Corporation (ALICO) nationwide.

Homeowners Insurance

Yes, foreigners can get homeowners insurance in the Philippines.

If you are a foreigner living in the Philippines, you will need to inquire about the Philippines’ home insurance.

This is because you need to be covered for any damage or loss that may happen to your home or property. This can include fire and lightning strikes, earthquakes, and floods.

Yes, homeowners insurance is available to foreigners in the Philippines. The only difference is that it may be more expensive than for a local person.

The reason for this is that most people in the Philippines have rental homes and are not homeowners. They are also less likely to have an expensive item like a car or house in the Philippines compared to Americans and Europeans who have been living in the country for years.

The Philippines is a country that has a very high rate of natural disasters. If you are living in the Philippines, it is important to purchase homeowners insurance. This type of insurance covers the cost of damages that occur when your home or business is damaged by fire, lightning, windstorms, earthquakes, and other natural disasters.

Homeowners’ insurance can be purchased from private insurance companies or from the National Housing Authority (NHA). The NHA offers a limited amount of coverage for homeowners who want to insure their property. The NHA will only cover up to P50,000 worth of damage per claim and only up to P1 million per house per calendar year (subject to change).

If you live in an area with high levels of pollution or poor-quality construction materials, you may want to consider buying extra coverage from your private insurer instead of purchasing it through the NHA’s limited program.

Auto Insurance

In the Philippines, you can buy auto insurance from local companies. If you’re a foreigner, you will have to pay for it in full before your car is delivered to you.

The best way to do this is to go to a local bank and ask for a loan of about $5,000 USD. Then take that money and buy insurance policies from any local company that offers them.

The Philippines is a country that is loved by many tourists and visitors. It is a place that has a lot to offer in terms of natural beauty and cultural heritage, and also offers an amazing experience for those who want to be adventurous. However, the Philippines can also be a dangerous place for foreigners.

The Philippines has a very high rate of crime, and it is common for people who are in the country for business or pleasure to experience theft, robbery, and even murder. This is why it is important for foreigners who are planning on visiting the Philippines to make sure that they have adequate insurance coverage so that they are protected from any potential danger or attack.

Foreigners who wish to purchase auto insurance in the Philippines need to make sure that they have their own license plate number registered with their local insurance company in order to ensure that they are covered by their policy while they are driving around town or on the roadways of this wonderful country!

All Filipinos are required to have auto insurance. If you want to buy an insurance policy in the Philippines, you must be a Filipino citizen and resident of the Philippines.

If you are a foreigner residing in the Philippines, you may purchase an auto insurance policy from any licensed agent of your choice. However, if you do so, it will be considered illegal immigration and subject to deportation.

Business Insurance (General)

You can purchase a general business insurance policy from any insurance company. However, there are certain limitations to look out for:

The cost of the policy will be based on your annual income, which is usually calculated by your gross monthly income (the amount before all taxes but after deductions for mandatory contributions to social security, income tax, and other obligatory deductions).

The coverage provided under the policy will be based on the type of business you have. For example, a sole proprietor would only be entitled to coverage for his/her own property, such as cars and computers.

If you have more than one business entity, you’ll need to select one entity as the insured party; this will also dictate how much coverage each entity receives under the policy.

The Philippines is a country that has always been known as a haven for international investors. In fact, there are many Filipino-owned companies that are well-established in various countries.

One of the most common questions that you will probably be asked is whether or not it is possible to get insurance coverage in the Philippines? If you are thinking about moving here and want the peace of mind that comes with having insurance coverage, then this article may help you out.

The answer to your question depends on what type of business you have, what kind of coverage you want, and how much money you have to invest. There are different types of insurance policies offered by companies that specialize in providing business insurance coverage for foreigners.

The following paragraphs will provide details on each type so that you can decide which ones would be best for your needs.

Insurance Options

The Philippine insurance market is relatively young, and as such has not had time to establish a strong presence in the international sector. That said, there are some insurers that do offer international products.

In general, you can get a policy from any reputable local insurer. The best way to find out what options are available is to talk directly with the insurer, who will be able to inform you of their current policies and how they work.

You can now have insurance coverage in the Philippines. It is easy to get and affordable. However, there are some things that you need to know about insurance coverage for foreigners living in the Philippines.

1. There are three types of insurance coverage available: life, health, and property.

2. Foreigners may be eligible for life insurance coverage from their home country’s insurance company or an international company if they have an existing policy with them before coming to the Philippines.

3. Foreigners can also buy property insurance if they own real estate properties in the country or abroad, depending on the type of coverage they want (e.g., term/whole life).

The Philippines is a sovereign nation, so you can’t just get insurance anywhere in the country. You’ll need to contact your local insurance broker and ask them to help you get coverage.

You’re also not allowed to use any Filipino-owned company when buying an insurance policy, so unless someone from your company is willing to go through the process of getting you a policy, it’s best to stay away from this option.


Getting life insurance in the Philippines is not as simple as you may think. The life insurance companies don’t focus on this market segment and classify the exposure to Filipinos as risky. But if you are in the country, there are still options for you to keep your family financially secure in case of your death.

Foreigners purchasing property in the Philippines and acquiring driver’s licenses then can apply for an Alien Certificate of Registration with the Bureau of Immigration. If you are looking into insurance in the Philippines, and you are a foreigner (who cannot get a Social Security Number or a Tax Identification Number), there are two types of policies you can get: private insurance and government-issued one.

 In the end, it is largely up to you whether or not to get health insurance coverage. Many of us choose not to go under any form of medical coverage because we don’t want the hassle of paying expensive premiums every month.