Why You Need Extra Health Protection

Health care costs in the Philippines keep rising. Get coverage that protects your budget—whether you’re an individual, a family, or a growing company.

Nationwide hospital networks • Licensed advisors

Medical costs rise faster than inflation

Health care costs in the Philippines rise by about 10–15% per year, faster than overall inflation.

Medical Inflation is Real

Healthcare costs in the Philippines rise faster than overall inflation. Without proper protection, families can face overwhelming expenses.

Sample Out-of-Pocket Costs Today

Cancer treatment: ₱1–3M
Heart attack (acute care + surgery): ₱500k–₱1M
Emergency confinement (3–5 days): ₱100k–₱250k

PhilHealth Isn’t Enough

Government coverage only pays for a fraction of the total bill—leaving a large financial gap.

HMO Helps Close the Gap

Health maintenance plans help you focus on recovery instead of worrying about medical costs.

Flexible Plan Options

Choose from Individual HMO, Corporate HMO, or Critical Illness Cash Plans to fit your needs and budget.

Expert Guidance

Our licensed advisors will help you pick the right mix of coverage for your lifestyle, company, or workforce.

Group | Company Plan

Individual Plan

Choose the protection that fits your life

Individual HMO (Standard & VIP)

Get access to nationwide networks for consultations, emergency care, and hospital confinement. VIP adds higher limits and broader access. Pre-existing conditions covered after 1 year.

Indicative premiums vary by age and package.

Get Individual Quote

Corporate HMO for SMEs (5–199 employees)

Flexible plans with inpatient, emergency, outpatient, preventive, and dental benefits—plus utilization reports for HR. Scale benefits and pre-existing coverage with your workforce.

Get Company Proposal

Government HMO Plans

Comprehensive inpatient and outpatient coverage at accredited hospitals—designed to complement PhilHealth and reduce personal expenses.

Ask About Government Plans

Whether you’re securing protection for yourself or your team, we’re here to help you stay covered and confident in your health journey.

How it works

Tell us about your needs — Individual details or workforce profile.

Get a tailored proposal — We match benefits and budget, explain MBLs and options.

Activate and relax — Enjoy access to accredited hospitals, clinics, and 24/7 support.

Critical Illness Fund

A lump-sum cash buffer when life hits hard

AIA Critical Protect 100 pays a lump sum upon diagnosis of any of 100 covered critical illnesses. Use it for treatment, income replacement, or recovery costs.