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INDIVIDUALS & FAMILIES

Find the Perfect
Pacific Cross Plan
for You and Your Family

From boosting your existing HMO with FlexiShield to securing $2M in global freedom with Blue Royale.

NO HIDDEN FEES
DIRECT AGENT SUPPORT
FAST CLAIMS

Choose Your Story

Three distinct paths designed for where you are today and where you plan to be tomorrow.

FlexiShield
THE SMART BOOSTER

FlexiShield

Do you already have a basic personal HMO plan? Ensure your family's life savings are protected when those basic limits aren't enough. FlexiShield is the perfect backup plan for major illnesses and hospitalizations.

Starts at
₱7,291 /year
  • Up to ₱2,000,000 Additional Coverage Acts as a second layer of protection, activating once your personal HMO limit is fully used.
  • Private Room Hospitalization Ensures comfort and privacy during recovery.
  • Daily Hospital Cash Assistance ₱1,000 per day for up to 30 days to help cover household and incidental expenses.
  • Free TeleHealth Services Access medical consultations anytime, anywhere.
  • COVID-19 Coverage Included Added protection for COVID-related medical needs.
  • Affordable Starting Premium Based on FlexiShield 200, applicable for ages 0–20.
Select
MOST POPULAR

Select

Secure your family’s health with complete freedom of choice. Get the best medical care locally without being locked into a strict network, plus an emergency safety net when you travel abroad

Starts at
₱10,353 /year
  • Up to ₱5,000,000 Coverage Choose between Annual Aggregate (Plus) or Per Disability (Standard) benefit limits.
  • Flexible Payment Options Enjoy no-cash-outlay at accredited hospitals or fast reimbursement so you can use your preferred family doctor.
  • Mental Health & Preventive Care Includes mental health coverage and an Annual Physical Exam (APE).
  • Built-in Travel+ Protection Emergency overseas medical coverage (up to 30 days per trip) plus travel inconvenience benefits such as flight delays and baggage loss.
  • Affordable Starting Premium Based on Select Standard Ward, applicable for ages 11–20.
Blue Royale
WORLD-CLASS FREEDOM

Blue Royale

The ultimate healthcare passport for individuals and families who demand world-class medical treatment, absolute freedom of choice, and global mobility.

Starts at
$1,712 /year
  • Up to $2,000,000 Global Coverage Premium US dollar–denominated limits with a choice of Plans A, B, or C.
  • Worldwide Doctor & Hospital Choice Absolute freedom to select any doctor, specialist, or hospital globally.
  • Built-in Travel+ Protection Comprehensive travel insurance for family trips of up to 90 days.
  • Global Emergency Assistance Includes medical evacuation, repatriation, and compassionate visits worldwide.
  • Starting Premium Information Based on Plan A, applicable for ages 0–3.
BLUE ROYALE EXCLUSIVE

EXCLUSIVE BLUE ROYALE ADD-ON:
Critical Cover Extra
(Your Income Safety Net)

Get up to $50,000 in a one-time, lump-sum cash benefit upon the first diagnosis of 8 major critical illnesses (like cancer, heart attack, or stroke). Use it to replace lost income so you can focus purely on recovery.

Up to $50,000 Cash Benefit

A direct lump-sum payout given on top of your standard Blue Royale medical limits.

8 Major Illnesses

Includes life-threatening cancer, stroke, heart attack, and major organ transplants.

Absolute Financial Freedom

Use the cash however you see fit—pay for home care, replace lost income, or settle your family's mortgage.

Critical Cover
Sean

Still Unsure Which Plan Fits?

I'm Sean. Let's cut through the jargon and find your perfect fit in under 2 minutes. No sales pressure, just clarity.

Licensed Insurance Advisor