1. Overview of Healthcare in the Philippines
The Philippine healthcare system is a mix of public and private providers. Public hospitals are affordable but basic, while private hospitals provide modern facilities, English-speaking doctors, and faster care — the preferred healthcare option for most expats.
Quick facts (2025):
- Private care is affordable compared to Western countries
- Major cities like Manila, Cebu, and Davao have world-class hospitals
- Medical staff are English-fluent
- Out-of-pocket payments are common but reimbursable with insurance
2. Public vs. Private Healthcare Comparison
| Type | Description | Average Cost | Notes |
|---|---|---|---|
| Public (DOH) | Government-run, basic care | ₱300–₱2,000 per visit | Crowded, limited medicine |
| Private | Modern hospitals, expat-focused | ₱2,000–₱5,000 | Clean, efficient, reliable |
| Premium International | Accredited global hospitals | ₱5,000–₱15,000+ | Accepts global insurance plans |
3. Best Hospitals for Expats (2025)
Metro Manila
- St. Luke’s Medical Center – Global City – Consistently rated among Asia’s best hospitals.
- Makati Medical Center – Ideal for expats living in Makati, BGC, or Ortigas.
- Asian Hospital (Alabang) – Excellent for families and retirees.
Cebu
- Chong Hua Hospital – Top-tier facilities with English-speaking staff.
- Cebu Doctors University Hospital – Well-known for cardiology and surgery.
Davao
- Davao Doctors Hospital – Private care for Mindanao residents.
- Brokenshire Memorial Hospital – Affordable but modern.
Angeles City / Clark
- The Medical City Clark – Caters heavily to expats in Pampanga.
4. Health Insurance Options for Expats
PhilHealth
Government-backed insurance for residents and expats.
- Annual Fee: ₱2,400
- Coverage: Inpatient services, some surgeries, and medicines
- Best used alongside private insurance for better coverage.
Private & International Insurance
Trusted providers for foreign nationals in 2025 include:
- AXA Philippines
- Pacific Cross
- Allianz Care
- Cigna Global
Estimated annual premium: $700–$1,200 depending on age and plan.
5. Emergency Numbers and Health Contacts
| Service | Number | Description |
|---|---|---|
| National Emergency Hotline | 911 | 24/7 nationwide emergency service |
| Bureau of Quarantine | (02) 5318-7500 | Health checks for arriving travelers |
| Red Cross Philippines | 143 | Emergency response |
| St. Luke’s Medical Center (BGC)** | (02) 8789-7700 | Central Metro Manila |
| Medical City Clark | (045) 300-8888 | Pampanga region |
6. Vaccines and Preventive Health Tips (2025)
- Required: COVID-19, Polio, and Hepatitis B
- Recommended: Typhoid, Rabies, and Japanese Encephalitis
- Drink bottled or filtered water
- Avoid street food from unclean vendors
- Use mosquito repellent to prevent dengue
For travel between islands, pack basic medication — pharmacies may be limited outside cities.
7. Pharmacies and Medication
Pharmacies are widespread and affordable. Major chains include Mercury Drug, Watsons, and South Star Drug.
Sample costs:
- Basic antibiotics: ₱300–₱600
- Blood pressure meds: ₱500–₱1,000/month
- Insulin vials: ₱800–₱1,200
Tip: Bring a prescription for imported or controlled medications. Some Western drugs may have local substitutes.
8. Healthcare for Retirees (SRRV Holders)
If you hold an SRRV (Special Resident Retiree Visa), you can access top-tier hospitals, enjoy senior discounts, and receive priority medical services through the Philippine Retirement Authority (PRA) partner network.
Many SRRV members choose St. Luke’s, Asian Hospital, or The Medical City for regular checkups.
9. Dental and Eye Care
Dental and optical care are high-quality and inexpensive in the Philippines.
| Service | Average Cost (PHP) |
|---|---|
| Teeth cleaning | ₱1,000–₱1,500 |
| Tooth filling | ₱800–₱1,200 |
| Prescription eyeglasses | ₱2,000–₱4,000 |
10. Medical Tourism and Health Travel
The Philippines is emerging as a medical tourism hub, attracting patients from Japan, Korea, and the Middle East for affordable treatments and recovery stays.
Expats often combine medical checkups with vacations — flying between Manila, Cebu, and Davao using 12GO Asia or CheapOair for convenience.
Frequently Asked Questions (FAQ)
1. Can expats enroll in PhilHealth?
Yes, if you have a valid ACR I-Card or long-stay visa.
2. How much do hospital visits cost?
Private consultations range from ₱2,000 to ₱5,000 on average.
3. Are doctors fluent in English?
Yes. Nearly all private hospital staff are English-speaking.
4. Is medical insurance required?
Not legally, but it’s strongly recommended.
5. Can I bring prescription drugs from abroad?
Yes, with a doctor’s note and original packaging.
