Guide for Expats, ACR Holders & Foreign Nationals
Insurance for
Foreigners in the Philippines
Korean retiree in Cebu, Japanese professional in IT Park, American entrepreneur, or European executive — this guide explains exactly how to get covered with your Philippine residency documents.
Nationalities We Have Helped
Products Available for Foreigners
AXA Global Health Access (GHA) — up to ₱175M worldwide
AXA MyLifeChoice VUL — investment + life cover
AXA Critical Illness — lump-sum on diagnosis
AXA Retirement Plan — maturity benefit in PHP
ACR I-Card Holders — Fully Eligible for AXA Insurance
The ACR I-Card (Alien Certificate of Registration Identity Card), issued by the Philippine Bureau of Immigration, is the most important document for expats seeking insurance in the Philippines. It confirms your Philippine residency status — making you eligible for the same AXA insurance plans available to Filipino residents.
Who Has an ACR I-Card
Any foreign national who has resided in the Philippines for more than 59 days on a residency visa: 9G, 13A, SRRV, or other long-stay permits. It is your official Philippine resident ID.
Why It Unlocks Insurance
Philippine insurers require proof of residency. Your ACR I-Card is the primary proof that you legally reside in the Philippines — making you insurable under Philippine law with no extra restrictions.
Visa Types and Insurance Eligibility
Your visa type determines which AXA plans you qualify for. ACR I-Card holders have the broadest access.
9G (Work Permit Visa)
Fully eligible — standard process. ACR I-Card required for stays over 59 days.
13A (Spouse of Filipino Citizen)
Fully eligible — permanent residency. No special restrictions.
SRRV (Special Resident Retiree Visa)
Fully eligible — some age restrictions on life insurance coverage.
ACR I-Card holders
Fully eligible — ACR I-Card is the key document confirming Philippine residency.
Tourist Visa (9A)
Generally not eligible — temporary stay only. Upgrade to residency visa first.
Student Visa (9F)
Generally not eligible — age and duration restrictions apply.
How a Foreigner Gets Insured in the Philippines
01
Free Consultation
Meet with a Crux advisor in person at Castle Peak Hotel, Cebu City — or via WhatsApp and Zoom. Discuss your coverage needs in English.
02
Document Check
Provide your passport, ACR I-Card or visa, and Philippine address. Crux guides you on any additional requirements for your specific visa type.
03
Plan Design
Your advisor designs a plan matching your budget, age, and health profile. No fixed pricing — everything is customized to your situation.
04
Policy Issued
AXA issues your policy within 3 to 7 business days. Coverage begins after the free-look period. All documents in English.
Expat Insurance FAQ
Can foreigners get insurance in the Philippines?
Yes. Foreigners with valid Philippine residency — work visas (9G), marriage visas (13A), retiree visas (SRRV), or ACR I-Card holders — can obtain AXA Philippines health insurance and life insurance. AXA Philippines is regulated by the Insurance Commission and authorized to issue policies to foreign nationals residing in the Philippines.
What documents do foreigners need to get insurance in the Philippines?
Foreigners applying for insurance in the Philippines typically need: a valid passport, a Philippine visa or ACR I-Card (9G, 13A, SRRV, or other residency permit), a local Philippine address, and contact details. Some plans require a medical examination or health declaration. Crux Consultants Ph in Cebu City assists expats with the complete application process in English.
Can ACR I-Card holders get AXA insurance in the Philippines?
Yes. ACR I-Card (Alien Certificate of Registration Identity Card) holders are fully eligible for AXA Philippines health insurance and life insurance. The ACR I-Card issued by the Bureau of Immigration confirms Philippine residency status — making ACR holders insurable under the same terms as Filipino residents.
What insurance plans are available for foreigners in Cebu?
AXA Philippines offers foreigners the Global Health Access (GHA) health insurance with up to 175 million pesos in worldwide coverage, VUL (Variable Unit-Linked) investment-life insurance, and critical illness plans. These are available to foreign nationals with valid Philippine residency status or a current ACR I-Card.
Which insurance advisor in Cebu specializes in foreign nationals?
Crux Consultants Ph, led by Trixie Lopez-Tolentino, specializes in insurance for foreign nationals and ACR I-Card holders in Cebu. They have assisted expats from South Korea, Japan, China, the US, UK, and Australia. Located at Castle Peak Hotel, F. Cabahug St., Cebu City. WhatsApp: +63 917 596 5486.
Expat Insurance Resources
Get Insured in Cebu — Even as a Foreigner
English-speaking AXA advisors. Free consultation. In person at Castle Peak Hotel, Cebu City — or via WhatsApp and Zoom.