Best Health Insurance Plans for Freelancers in the Philippines (2025)
- Reneria Navarro
- Jul 30
- 2 min read
Updated: Aug 4
Freelancers Deserve Health Security, Too
Being your own boss is empowering—but let’s be honest, it also comes with risks. Unlike traditional employees, freelancers don’t have built-in healthcare benefits. That’s why investing in health insurance isn’t just smart—it’s essential.
Whether you’re a virtual assistant, creative, developer, or entrepreneur, here are the best health insurance plans for freelancers in 2025—designed to keep you covered and confident no matter what life throws your way.
Why Freelancers Need Health Insurance
• One medical emergency can wipe out months of savings
• No company-sponsored HMO or PhilHealth add-ons
• Income can be unpredictable, so protection = peace of mind
Top Health & Life Insurance Recommendations for Freelancers
✅ Maxicare PRIMA
Affordable. Hassle-free. No medical check-ups required.
Maxicare PRIMA Consult For everyday health needs—without the stress of waiting lines or high costs
. • Unlimited doctor consultations (GP & specialists)
• Free basic labs & diagnostics
• No pre-approval needed
• Starts at just ₱999/year
• Available at Maxicare Primary Care Clinics nationwide
Perfect for: Freelancers who want affordable outpatient care and checkups without worrying about hidden fees.
✅ Maxicare Lifesaver ER Plan
For those unexpected health scares, be ready—without breaking the bank.
• Covers emergency room services due to accidents or sudden illness
• Up to ₱20,000 coverage
• No medical check-up required
• Activates 15 days after purchase
• One-time payment of just ₱2,299
📌 Perfect for freelancers who want peace of mind in case of sudden health emergencies — at a one-time annual cost.
✅ 2. Sun Life’s Fit and Well Advantage 10
Long-term protection + savings, made for freelancers.
This isn’t just life insurance. It’s a comprehensive health, life, and savings plan built for the modern Filipino freelancer.
Key Benefits
Critical Illness Protection
• Covers 114 illnesses (64 major, 34 minor, and 16 specific cancers)
• Bonus payout of ₱750,000 for specific cancer
• Hospital, recovery, and palliative care benefits included
Guaranteed Retirement Cash
• Starting at age 65, receive ₱75,000 per year for 8 years
• That’s a total of ₱600,000 guaranteed for your golden years
Hospital Benefits
• ₱1,875/day hospital income
• ₱5,000 post-hospitalization cash
• Home recovery and ICU support
Dividends & Bonuses
Annual dividend earnings
Special Paid-Up Bonus after 10 years
Option to withdraw or let it accumulate
Add-Ons Available
Accidental death and disability coverage
Waiver of premium if the policy owner passes away or becomes disabled
Sample Plan (Female Freelancer, Age 26 – Smoker)
Face Amount: ₱1.5 million
Annual Premium: ₱86,085
Payment Term: 10 years only
Coverage Until: Age 100
Why This Matters for Freelancers
As a freelancer, your income depends on your health. One medical emergency could set you back months—or worse, stop your work completely. These plans give you:
Peace of mind
Access to quality care
Financial safety net for you and your family
It’s not about “if” you’ll need it. It’s about being ready when you do.
Ready to Protect Your Hustle?
Let's talk! At RiaCarePh, we match freelancers with the right plan - no pressure, no jargon - just real care and smart advice.
📩 Book a free consultation today
Let’s protect your passion — while you focus on building your dream career.
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