Insurance Coverage Gap Calculator
Most Filipinos assume PhilHealth or their company HMO has them covered. In practice, a single ICU stay, a typhoon, or a critical illness diagnosis can leave a six-figure gap. Pick a scenario below, enter your numbers, and see your real exposure — then talk to an advisor about closing it.
Free Tool
Insurance Coverage Gap Calculator
Pick a scenario to see how much you could be out-of-pocket without the right coverage.
Your Situation
Based on avg. Cebu private hospital ICU stay (7 days). PhilHealth estimated at ₱50k max; HMO at ₱100k max.
Your Estimated Exposure
₱0
out-of-pocket without adequate coverage
How We Got There
How Crux Covers This
Crux Global Health Access or Aktiv Health covers up to ₱5M in hospitalization, surgery, and specialist care — including ICU stays that exceed HMO limits.