How much does AXA GHA cost per month in the Philippines?

Premiums depend on your age at entry, coverage amount, and optional riders. Younger applicants typically pay lower monthly premiums. We never quote a number without a Budget Match first — because showing a figure without context is misleading. Book a free 15-minute session and we'll find the exact premium for your income.

Is AXA GHA available for Filipinos without an employer?

Yes. AXA GHA is an individual policy — it has no employment requirement. Freelancers, business owners, OFWs, and self-employed professionals can all apply through a licensed AXA advisor like Crux Consultants Ph.

What is the maximum coverage limit of AXA GHA?

Standard plans provide up to ₱10M per year. Premium plans can reach a ₱175M lifetime limit — higher than any HMO in the Philippines. There are no sub-limits on room and board.

Can I be admitted to any hospital in Cebu with AXA GHA?

Yes. Unlike HMOs, AXA GHA has no restricted hospital network. You can use Chong Hua, Cebu Doctors, Vicente Sotto, Perpetual Succour — or any hospital in the Philippines and internationally.

How does AXA GHA compare to Maxicare or Intellicare?

HMOs like Maxicare and Intellicare cap annual benefits at ₱100K–₱500K and restrict you to accredited hospitals. AXA GHA has coverage ceilings in the tens of millions, no hospital restriction, and covers emergency medical evacuation. For serious illness or surgery, AXA GHA provides a level of protection HMOs cannot match.

Health Protection

AXA Global Health Access Philippines — Full Review 2025

By Crux Consultants Ph · Cebu City · Updated June 2025

Quick Verdict

AXA GHA is the best health insurance for Filipinos who want unrestricted hospital access and high coverage limits. For serious illness, surgery, and international care, nothing available in the Philippines comes close. The premium is higher than an HMO — but the coverage ceiling is in a different league.

What is AXA Global Health Access?

AXA GHA is a comprehensive health insurance product issued by AXA Philippines. It provides coverage for inpatient hospitalization, surgical procedures, ICU, cancer treatment, organ transplants, maternity (with waiting period), and emergency medical evacuation — locally and internationally.

Coverage Limits

Standard plans cover up to ₱10M per year. Premium plans can reach ₱175M lifetime limit. There are no sub-limits for room & board — your full daily room rate is covered at whatever hospital you choose.

Hospital Network

Unlike HMOs, AXA GHA has NO restricted hospital network. You can be admitted to any hospital in the Philippines — Chong Hua, Cebu Doctors, The Medical City, St. Luke's, Makati Medical Center — or any hospital worldwide.

AXA GHA vs HMO: Which is Better?

HMO: Better for outpatient, routine check-ups, and controlled costs. AXA GHA: Better for inpatient, surgery, cancer, and international cover. The ideal strategy for Cebu professionals: keep your HMO for outpatient, add AXA GHA for major medical events. The combined monthly cost is often less than people assume.

How Much Does AXA GHA Cost in Cebu?

Premiums vary significantly based on age at entry, coverage amount, and optional riders. At Crux, we never quote a price before doing a Budget Match — because showing a number without context is misleading. Book a free 15-minute session; we'll find the right coverage at the right price for your income.

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Frequently Asked Questions

Health Protection

Critical Illness Insurance vs HMO Philippines

HMO covers your hospital bill. CI insurance pays you directly. Here's why most Filipinos need both.

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Cebu Hospital Costs Guide 2025

Real cost data from Chong Hua, Cebu Doctors, and VSMMC. Heart attack care: ₱350K–₱900K.

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Insurance for Filipino Freelancers — The Complete Guide

No HMO, no sick leave, no employer backup. The exact protection sequence for VAs and remote workers.

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Still not sure what you need?

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