Best Health Insurance Plans for Freelancers in the Philippines (2025)
- Reneria Navarro
- Jul 30
- 2 min read
Updated: Sep 19
Freelancers Deserve Health Security, Too
Being your own boss is empowering. However, 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. These plans are 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 equals peace of mind.
Top Health & Life Insurance Recommendations for Freelancers
✅ Maxicare PRIMA
Affordable, hassle-free, and no medical check-ups required. Maxicare PRIMA is perfect for everyday health needs—without the stress of waiting lines or high costs.
Unlimited doctor consultations (GP & specialists)
Free basic labs and diagnostics
No pre-approval needed
Starts at just ₱999/year
Available at Maxicare Primary Care Clinics nationwide
This plan is ideal 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
📌 This plan is perfect for freelancers who want peace of mind in case of sudden health emergencies—at a one-time annual cost.
✅ Sun Life’s Fit and Well Advantage 10
Long-term protection and 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
Add-Ons Available
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
A 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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