Global Health Insurance
Cover for Treatment Anywhere
One plan for treatment in the Philippines and abroad. Crux explains how it works and helps you decide if it fits you.
Which health cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | Health Care Access | Global Health Access |
|---|---|---|
| Treatment in the Philippines | ||
| Treatment abroad | ||
| Built for frequent travelers | ||
| Focused on hospital care in the Philippines |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your global cover ?
Worldwide treatment
One plan that pays for treatment in the Philippines and in other countries, including your home country.
Who it is made for
Expats with an ACR I-Card, doctors and nurses, executives and business owners, and people who travel often.
Cashless care
At partner hospitals you can be admitted without paying up front. Ask which hospitals are partners before you choose.
Global Health Access and an HMO
An HMO is built for everyday care in a network. Global Health Access is built for serious treatment, so many people keep both.
Health Care Access
If you need cover focused on the Philippines, this hospitalization plan may be the better fit.
The limit and the wording
Check the annual limit, any waiting period and what is excluded. An advisor can go through the wording with you.
Three reasons to think globally
A plan that follows you means you are not choosing a hospital by what you can pay.
Basic public cover leaves a gap that a serious hospital stay can fill quickly.
A single policy for the Philippines and abroad is easier to keep in order.
If you need to claim
A claim across borders can feel heavy. These steps keep it clear, and Crux stays with you.
Choose it once, with a person behind it
Crux helps you compare the plans, complete the application and keep the policy up to date, and stays with you if a claim is ever needed.
First step
Tell your advisor
Message Crux, and we explain what happens next and what the insurer will ask for.
Second step
Gather the documents
The medical records and the policy details that apply. We tell you exactly which ones.
Third step
Follow the claim together
We help submit the claim and follow it with you until the decision.
Consult our recommended guides
Short, plain answers to the questions people ask before they choose a plan.
- Read the guide
Health Care Access
Hospitalization cover for treatment in the Philippines.
- Read the guide
Expat health insurance
Cover for foreigners and ACR I-Card holders.
- Read the guide
Critical illness or HMO
What each one pays for, and why many people hold both.
- Read the guide
Travel insurance
For trips, and how it differs from a health plan.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Global cover follows you across borders. Check these before you choose.
- Regions your plan excludes. The United States is often treated separately.
- Conditions you already had, unless accepted.
- Elective and cosmetic treatment.
- Treatment inside a waiting period.
- Adventure activities, unless covered.
- Anything above the limit of your plan.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers about global health cover.
Health cover that pays for treatment in the Philippines and abroad, depending on the regions your plan names.
Often you can choose, but some plans have preferred hospitals or direct-billing arrangements. Check the plan.
Travel insurance covers a trip. Global health cover is ongoing health protection, not tied to one journey.
It depends. Many plans treat the United States separately because costs are higher. Ask which regions are included.
You either use direct billing where it is offered, or pay and claim back. Check the process and the documents you need.
People who travel or live abroad often, overseas workers, and expats, or anyone who wants cover beyond one country.
Global health
Cover that follows you.
Tell a licensed advisor where you live and where you travel, and they will show which plan to look at first.