Health Insurance in Cebu
Cover for Your Health
Critical illness and hospitalization cover, explained plainly. Crux helps you choose the plan that fits your family and your budget.
Which health cover fits you?
Complete the sentence: choose one option in each menu.
| What is included | Health Start | Health Max | Health Max Elite | Health Care Access |
|---|---|---|---|---|
| A lump sum on a serious diagnosis | ||||
| Cancer, stroke and heart attack | ||||
| A broad list of conditions and early stages | ||||
| Can pay more than once | ||||
| Hospital bills and cashless care |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your health cover ?
Critical illness cover
Pays a lump sum when you are diagnosed with a covered condition such as cancer, stroke or heart attack, to use however you need.
Health Start
A starter plan for the three conditions that worry most families: cancer, stroke and heart attack.
Health Max
A comprehensive plan for major conditions and their early stages, designed to stay with you into later life.
Health Max Elite
The widest list of conditions, with cover that can pay more than once as an illness moves through its stages.
Health Care Access
Hospitalization cover focused on treatment in the Philippines, with cashless care at partner hospitals and doctors.
Global Health Access
Treatment in the Philippines and abroad in one plan. It has its own page.
Three reasons to cover your health
It gives basic protection, and a serious illness can cost far more than it pays.
Treatment and recovery can mean months without work, on top of the bills.
Cover is usually simpler to arrange before a condition appears.
If you need to claim
A diagnosis is a hard moment. These steps keep the claim as simple as it can be, 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
You or your family message Crux, and we explain what happens next and what the insurer will ask for.
Second step
Gather the medical records
The diagnosis, the hospital documents and the policy. We tell you exactly which ones, so nothing is missing.
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
Critical illness or HMO
What each one pays for, and why many people hold both.
- Read the guide
Health plans overview
The plans side by side, and who each one suits.
- Read the guide
Hospital costs guide
What a hospital stay can cost, and how cover fits around it.
- Read the guide
HMO insurance
Everyday care through an HMO, and where it stops.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
Health insurance is built for the large bill. It is not built for everything. These are the usual limits.
- Conditions you already had, which may be excluded or priced higher when you apply.
- Illnesses that fall inside a waiting period, which starts when the plan starts.
- Routine consultations and check-ups, which are usually the job of an HMO.
- Cosmetic procedures and treatment that is not medically necessary.
- Experimental or unproven treatment.
- Injuries you cause yourself on purpose.
- 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 health cover.
An HMO is built for everyday care inside its network and usually caps what it pays each year. Health insurance is built for large bills such as major surgery and long stays. Many people keep both.
Yes. Many people use the HMO for routine care and add health insurance for major hospitalisation and surgery.
Often yes, but the insurer reviews your history, and a condition may be excluded or priced higher. Disclose everything honestly, because a missing detail can cause trouble at claim time.
PhilHealth pays a set amount for each case, so a serious illness can still leave a large balance. Health insurance is designed to cover more of the rest. An advisor can show where your own gap is.
A period after the plan starts during which some conditions or treatments are not yet covered. The length depends on the plan, so ask before you buy.
Compare the limit with what a serious hospital stay in your city would cost you, and cover the difference your savings and your HMO would not. An advisor can help you size it.
Health insurance
Protect your health and your savings.
Tell a licensed advisor who depends on you, and they will show which plan to look at first.