Pacific Cross Philippines 2026: Health Plans, Prices & Coverage

Quick Answer: Pacific Cross Health Care, Inc. — formerly Blue Cross Health Care until it renamed in 2016 — is one of the few providers in the Philippines that publishes actual prices for individual plans. Its FlexiShield top-up plans and Select plans have official rate tables by age bracket, which we've reproduced in full below. Pacific Cross sells mainly to individuals (ages 0–100) through agents and online quote requests, not payroll-deducted corporate plans, and it blends health insurance mechanics (deductibles, reimbursement) with HMO-style hospital access. The group is currently in an ownership transition tied to an acquisition by Paramount Life & General.

Most people searching for Pacific Cross remember it as Blue Cross — the company rebranded on January 1, 2016, but kept the same underwriting and the same core products. If you're comparing it against Maxicare, MediCard, or PhilCare, the biggest difference is that Pacific Cross actually tells you the price before you talk to an agent. This guide walks through what's on the price list, what it doesn't cover, and how the ownership situation might affect you.

Table of Contents

• What is Pacific Cross (formerly Blue Cross)?
• Is Pacific Cross legit?
• What plans does Pacific Cross offer?
• How much does Pacific Cross cost?
• What does Pacific Cross cover? (MBL tiers)
• Individual or corporate — who can actually get it?
• Pre-existing conditions and age limits
• Ownership update: the Paramount acquisition
• How do you apply?
• Pacific Cross vs the big HMOs
• Frequently Asked Questions
• Conclusion

What is Pacific Cross (formerly Blue Cross)?

Pacific Cross Health Care, Inc. is a Philippine health plan provider that was known as Blue Cross Health Care until it renamed to Pacific Cross on January 1, 2016. If you have an old Blue Cross card, or you're hearing "Blue Cross" from a relative's plan, it's the same company under a new name — not a different entity, and not related to the US Blue Cross Blue Shield network.

Pacific Cross Health Care is part of Pacific Cross International Limited, a group founded in 1949 and based in the British Virgin Islands, with operations across Indonesia, Thailand, the Philippines, and Vietnam. The company's current CEO, Robert D. Wyld, was appointed in December 2024. Pacific Cross runs its own site at pacificcross.com.ph, where its Get a Quote form and rate sheets are published.

Is Pacific Cross legit?

Yes. Pacific Cross Health Care, Inc. holds Insurance Commission Certificate of Authority HMO-2023-10-R, and it appears on the Insurance Commission's roster of licensed HMOs as of the November 2025 list. See our full roundup of IC-licensed HMOs for the complete list and how to check any provider yourself.

Because Pacific Cross blends elements of health insurance (deductibles, MBL riders, USD-denominated worldwide coverage) with HMO-style network access, it doesn't fit neatly into either category — treat it as a hybrid health plan provider rather than a pure HMO.

What plans does Pacific Cross offer?

Pacific Cross runs a lineup built around a base hospitalization plan plus optional top-ups:

Blue Royale is the legacy Blue Cross worldwide plan name carried over after the rebrand. Select is the plan most individual buyers end up comparing against Maxicare's PRIMA or MediCard's individual plans.

How much does Pacific Cross cost?

Pacific Cross is one of the only HMO-adjacent providers in the Philippines that puts real numbers on its website instead of routing everyone through a quote form. Below are the official annual premiums, by age bracket, published on pacificcross.com.ph.

FlexiShield 150 (deductible ₱150,000–₱199,999):

FlexiShield 200 (deductible ₱200,000+):

FlexiShield is a top-up: it pays out once your inpatient bill crosses the deductible, so it's meant to sit on top of PhilHealth, an employer HMO, or another base plan rather than stand alone.

Select Plus (Ward, with Travel+ rider) — sample age brackets:

Select Standard (Semi-Private, with Travel+ rider) — sample age brackets:

These figures are current as of 2026 per Pacific Cross's own published rate sheets. Premiums step up by age bracket rather than staying flat, so always confirm your exact bracket and room-type combination with Pacific Cross or an agent before enrolling — the tables above show representative brackets from the official pricing, not every row published.

What does Pacific Cross cover?

Maximum Benefit Limits (MBL) vary by plan and room category:

FlexiShield is explicitly inpatient-only — it's a deductible top-up rider, not a standalone outpatient or preventive-care plan. Select plans carry the broader hospitalization coverage, with MBL scaling by room category the same way most Philippine HMO and health-insurance products do: pick a higher room tier, get a higher ceiling, pay a higher premium.

Pacific Cross has not published an exact network hospital count, so we can't give you a specific number of accredited facilities the way we can for some other providers. Browse HMO-accredited clinics or search ClinicFinderPH to check specific hospitals near you before enrolling.

Individual or corporate — who can actually get it?

Pacific Cross is built primarily around individual and family plans, sold through agents, downloadable applications, and its online Get a Quote form — with some prepaid plans purchasable online. This is the opposite of providers like Intellicare, which sell almost exclusively to companies. Group products exist (BC Flexi Access, BC Flexi Baby Group for 20–49 members), but the retail individual channel is Pacific Cross's clearer, more accessible path. Premiums are quoted in either PHP or USD depending on the plan.

Pre-existing conditions and age limits

Pacific Cross covers ages 0 to 100 — infants through centenarians, a wider band than most competitors, which typically cap principal enrollment well before 100.

On pre-existing conditions (PEC): Pacific Cross's underwriting allows a PEC to potentially be covered immediately if you declare it upfront, subject to underwriting review, and without requiring a physical medical exam. This is different from the standard PEC waiting-period model (commonly one year) used by many other HMOs. Whether a specific condition gets approved, excluded, or loaded with a higher premium depends on the underwriter's review of your declaration — full, honest disclosure at application is what unlocks this option. Don't assume automatic coverage; confirm your specific condition with Pacific Cross before paying.

Ownership update: the Paramount acquisition

As of 2026, the Pacific Cross group is in the middle of an ownership transition. Pacific Cross's Philippine non-life insurance sister company, PCII, has been integrated into Paramount Life & General Holdings — a deal the Insurance Commission approved on December 4, 2025. That part is confirmed and documented.

What's not yet confirmed is whether the Pacific Cross Health Care HMO entity itself — the one behind the plans in this guide — is included in that same transaction. The health-plan business and the non-life insurance business are related through the same parent group, but public reporting so far has only documented the non-life side of the deal. If you're enrolling now, it's worth asking Pacific Cross directly, or checking for updated Insurance Commission notices, to confirm whether anything about your policy's underwriter or terms will change as this transition plays out.

How do you apply?

Pacific Cross doesn't have a single "sign up online" button the way iCare's online shop does, but it offers several entry points:

• Get a Quote form on pacificcross.com.ph
• Downloadable application forms for manual submission
• Licensed agents, who handle most individual and family enrollments
• Some prepaid plans purchasable directly online
• Premiums payable in PHP or USD, depending on plan

Because pricing is genuinely published (unlike most competitors), you can shop the FlexiShield and Select tables above before ever contacting an agent — a real advantage if you just want a ballpark number first.

Pacific Cross vs the big HMOs

Pacific Cross's biggest edge over Maxicare, MediCard, PhilCare, and Intellicare is price transparency — those competitors are largely quote-only for individuals, while Pacific Cross posts real annual premiums by age bracket. Its widest-in-class age range (0–100) and flexible PEC declaration process also stand out for older applicants or people managing an existing condition.

The tradeoff is that Pacific Cross functions more like a hybrid health-insurance product than a classic cashless HMO — FlexiShield in particular is a deductible-based rider, not a card you flash at the front desk. If cashless, walk-in hospital access matters more to you than published pricing, compare against Maxicare, MediCard, or PhilCare. For a broader side-by-side, see our best HMO in the Philippines roundup and how to choose an HMO guide. And remember: any Pacific Cross plan works on top of, not instead of, PhilHealth — see our HMO vs PhilHealth comparison for how the two interact.

Frequently Asked Questions

Is Pacific Cross the same as Blue Cross?

Yes. Pacific Cross Health Care, Inc. was called Blue Cross Health Care until it renamed to Pacific Cross on January 1, 2016. Same company, same underwriting, new name.

Is Pacific Cross the same as the US Blue Cross Blue Shield?

No. Despite the shared former name, Pacific Cross/Blue Cross Health Care in the Philippines has no relation to the US Blue Cross Blue Shield network. It's part of the Pacific Cross International Limited group, founded in 1949 and headquartered in the British Virgin Islands.

How much is Pacific Cross health insurance?

It depends on the plan and your age. FlexiShield 150 ranges from ₱8,019/year (ages 0–20) to ₱44,442/year (ages 66–70). FlexiShield 200 ranges from ₱7,291 to ₱33,891/year across the same brackets. Select Plus and Select Standard plans price separately by room type and age — see the full tables above.

What is FlexiShield?

FlexiShield is Pacific Cross's deductible-based, inpatient-only top-up plan. It comes in two versions — FlexiShield 150 (deductible ₱150,000–₱199,999) and FlexiShield 200 (deductible ₱200,000+) — and pays out only after your hospital bill crosses the deductible, so it's designed to supplement another base plan rather than replace one.

Does Pacific Cross cover pre-existing conditions?

It may, immediately, if you disclose the condition upfront and it clears underwriting review — no physical exam is required for this process. This is different from the fixed waiting-period model most HMOs use. Confirm your specific condition directly with Pacific Cross before enrolling.

What's the maximum age for a Pacific Cross plan?

Pacific Cross accepts applicants from infancy up to 100 years old, one of the widest age ranges among Philippine health plan providers.

Is Pacific Cross being sold to Paramount?

Pacific Cross's Philippine non-life insurance affiliate, PCII, was approved by the Insurance Commission on December 4, 2025 to integrate into Paramount Life & General Holdings. Whether the Pacific Cross Health Care HMO entity is part of the same transaction has not been publicly confirmed — treat the health-plan side of the group as in transition until there's an official update.

Can I buy Pacific Cross as an individual, or is it corporate-only?

Individual and family plans are Pacific Cross's core, clearly accessible product, sold via agents, downloadable forms, and an online quote form, with some prepaid plans available online. Group plans exist too, but individuals are not shut out the way they are with corporate-heavy providers like Kaiser International.

Conclusion

Pacific Cross — Blue Cross under a new name since 2016 — stands out in the Philippine health plan market for one simple reason: it publishes actual prices. If you want to know roughly what you'd pay before ever filling out a quote form, the FlexiShield and Select tables above give you that starting point, something most competitors won't offer without an agent call. Its wide 0–100 age range and flexible PEC declaration process also make it worth a look for older applicants or households managing an existing condition, though the ownership transition tied to the Paramount deal is worth watching if you're locking in a multi-year plan.

Compare it against the rest of the market in our best HMO in the Philippines guide, check cheapest HMO options if budget is the main driver, or see the full list of IC-licensed HMOs to check any provider's standing yourself. You can also search ClinicFinderPH to find accredited hospitals and clinics near you.