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Pacific Cross Philippines

76Score

★★★☆☆3.8

Customer satisfaction · 200K members

Oldest Health Insurance Company(2025)

Pacific Cross is the oldest health/travel insurance company in the Philippines (since 1949). Unlike HMOs, it provides indemnity-based medical and travel insurance, giving policyholders freedom to choose any hospital. It is part of the Pacific Cross Group with operations across Asia.

Overall Score

76/100

Founded

1949

Headquarters

Makati City

Type

private

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Key Metrics

Operating History

Since 1949 (77 years)

Model

Indemnity-based (not HMO)

Coverage

Medical + travel insurance

Hospital Choice

Any hospital (freedom of choice)

Editorial Ratings

Oldest Health Insurance Company(2025)

Rating: Oldest health/travel insurance company (since 1949) (max: N/A)

76Insurance

Coverage Highlights

✓Oldest health/travel insurance company in the Philippines (since 1949)
✓Indemnity-based coverage — freedom to choose any hospital
✓International coverage options
✓Strong travel insurance integration
✓Part of Pacific Cross Group with Asia-wide operations

Pros

✓Longest operating history in Philippine health insurance
✓Indemnity-based (freedom to choose any hospital)
✓International coverage options
✓Strong travel insurance integration

Cons

✗Reimbursement model (not cashless like HMOs)
✗Higher premiums than basic HMO plans
✗Less suitable for routine/preventive care

Frequently Asked Questions

What is the difference between Pacific Cross and an HMO?

Pacific Cross provides indemnity-based insurance (reimbursement model), giving you freedom to choose any hospital or doctor. HMOs provide pre-paid cashless access only at accredited facilities.

Does Pacific Cross offer international coverage?

Yes. Pacific Cross offers international coverage options as part of the Pacific Cross Group with operations across Asia, making it suitable for travelers and those needing coverage abroad.

How long has Pacific Cross been in the Philippines?

Pacific Cross has operated in the Philippines since 1949 (originally as State Bonding and Insurance Company, then Blue Cross Insurance, then Pacific Cross), making it the oldest health insurance company in the country.

Quick Summary

InsurerPacific Cross Philippines

Country🇵🇭 Philippines

Overall Score76/100

Satisfaction3.8/5

Members200K

Typeprivate

Founded1949

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