Crux Global Health Access — Philippines
Global Health Insurance
Philippines
Ideal for expats, foreign nationals with ACR I-Cards, senior executives, and healthcare professionals who need a health plan that goes beyond the limits of a standard Philippine HMO.
Crux GHA At a Glance
Coverage: up to ₱175,000,000
Valid in the Philippines + worldwide
Cashless at all major Cebu hospitals
Medical evacuation included
Mental health coverage included
Available to expats and ACR I-Card holders
What Crux GHA Covers
Crux Global Health Access is not a standard HMO. It is a worldwide health insurance plan designed for professionals and expats who need real coverage.
Worldwide Coverage
Medical treatment is covered in any country — Philippines, home country, or abroad. No geographic restrictions for hospitalization.
Cashless at Cebu Hospitals
No out-of-pocket payment at Chong Hua, Cebu Doctors' University, UC Med, Vicente Sotto, and all other IC-licensed hospitals in Cebu.
Up to ₱175M Coverage
The highest health insurance limit available in the Philippines market. Covers ICU, surgery, specialist fees, diagnostic tests, and rehabilitation.
Medical Evacuation
Emergency medical evacuation to the nearest appropriate facility — including medevac flights. Critical for expats in remote areas or during natural disasters.
Mental Health Coverage
Crux GHA includes inpatient psychiatric care and mental health treatment — a coverage gap in most Philippine HMO plans.
No Lifetime Limit Reset
Annual benefit limit resets each policy year. A major hospitalization will not permanently exhaust your coverage for future years.
Crux GHA vs Philippine HMO
Understanding the difference helps you choose the right coverage level for your situation.
Who Gets Crux GHA in the Philippines?
Expats and Foreign Nationals
Foreign nationals with ACR I-Cards (9G, 13A, SRRV holders) who need worldwide coverage that is valid both in the Philippines and when traveling or returning home.
Doctors and Nurses
Philippine healthcare professionals who understand the true cost of hospitalization and want coverage that matches their income level and health needs.
Executives and Business Owners
Senior managers, entrepreneurs, and corporate executives in Cebu who cannot afford extended hospitalization without proper coverage. GHA is the executive-grade plan.
Frequent International Travelers
Professionals who travel regularly for business or pleasure. GHA covers medical emergencies in any country — not just the Philippines.
Cashless at Every Major Cebu Hospital
Crux GHA Philippines FAQ
What is Crux Global Health Access (GHA) in the Philippines?
Crux Global Health Access (GHA) is a comprehensive worldwide health insurance plan offered by Crux Consultants Ph. It provides up to 175 million pesos in coverage for hospitalization, surgery, specialist consultations, emergency medical treatment, and medical evacuation — anywhere in the world. It is the preferred health insurance for expats, foreign nationals, and high-income professionals in the Philippines.
Who can get Crux Global Health Insurance in the Philippines?
Crux GHA is available to Filipino citizens and foreign nationals with valid Philippine residency (9G, 13A, SRRV, ACR I-Card holders). It is ideal for expats, OFW returnees, corporate executives, doctors, nurses, and any professional who needs worldwide coverage rather than a Philippines-only HMO plan.
Does Crux GHA cover treatment outside the Philippines?
Yes. Crux Global Health Access is a worldwide plan — it covers hospitalization and emergency medical treatment in any country, not just the Philippines. Expats who travel frequently or may need treatment back in their home country (South Korea, Japan, US, UK, etc.) are fully covered subject to their plan limits.
What is the difference between Crux GHA and a Philippine HMO?
A Philippine HMO (Health Maintenance Organization) is typically valid only at accredited hospitals within the Philippines, with annual coverage limits of 100,000 to 300,000 pesos. Crux GHA (Global Health Access) offers worldwide coverage up to 175 million pesos, covers treatment abroad, includes medical evacuation, and has no restricted hospital network outside emergency scenarios.
How do I get Crux Global Health Insurance in Cebu?
Contact Crux Consultants Ph at Castle Peak Hotel, F. Cabahug St., Cebu City 6000, Philippines. WhatsApp: +63 917 596 5486. Their English-speaking Crux advisors offer free consultations in person, via Zoom, or via WhatsApp. Crux handles the full enrollment process for both Filipino nationals and foreign residents.
Expat Insurance Resources
Get Your Crux Global Health Quote Today
Free consultation with an authorized Crux advisor. In person at Castle Peak Hotel, Cebu City — or via WhatsApp and Zoom.