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Comprehensive health protection for
life's unplanned moments.

From urgent care to specialized treatment, you're covered here in the Philippines and around the world.

Global Shield Plan

Global Shield

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  • Annual benefit limit up to US$2,000,000
  • Worldwide health plan for hospitalization, emergencies, and more
  • Comprehensive Inpatient and Outpatient coverage
  • 90 days overseas travel coverage
Learn more
Global Shield Plan

Purple Shield

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  • Annual benefit limit up to ₱5,000,000
  • Domestic health plan for hospitalization, emergencies, and more
  • Essential Inpatient and Outpatient coverage
  • 30 days overseas travel coverage
Learn more

The Advantages You Deserve From Your Health Insurance

Complete Inpatient & Outpatient Health Coverage

Complete Inpatient & Outpatient Health Coverage

Get full protection across all stages of care—from hospital stays, ICU access, and surgery, to everyday health needs like consultations, diagnostics, and treatments.

Lifelong Health Coverage That Goes The Distance

Lifelong Health Coverage That Goes The Distance

Enjoy peace of mind with generous annual benefit limits, designed to protect you against even the most serious medical expenses.

Global Protection for Emergencies and Travel

Global Protection for Emergencies and Travel

Global support for medical emergencies, medical evacuation, and travel disruptions like delays and lost baggage.

Cashless Medical Access and Fully Digital Claims

Cashless Medical Access and Fully Digital Claims

Cashless transactions at accredited hospitals and clinics throughout the Philippines. 100% digital claims processing for overseas medical reimbursement.

Stay Ahead with Preventive Care & Wellness Plans

Stay Ahead with Preventive Care & Wellness Plans

Stay ahead of tomorrow's health challenges with executive screenings, cutting-edge preventive therapies, and personalized wellness blueprints.

Tailored Protection Add-ons That Grow With Your Life

Tailored Protection Add-ons That Grow With Your Life

Build your perfect stafety net with customizable add-ons; from family planning to specialised accident coverage. Your unique life deserves unique protection.

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Hear it straight from our satisfied customers

“No long lines, no confusing paperwork. When I got sick, Oona’s support team helped me through every step. That kind of help matters when you’re not feeling your best.”

Trina, Pasig

“I didn’t think I needed health insurance until an emergency proved otherwise. Oona handled everything smoothly—and I didn’t pay a single cent out of pocket.”

Kevin L., Iloilo

“From the first call to getting approved, Oona’s service felt personal. They really took time to understand what kind of coverage I needed.”

Anton S., Quezon City

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How it works

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Step 1
Start with a Private Consultation

Connect with a dedicated Oona advisor for expert, one-on-one guidance tailored to your lifestyle and health needs.

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Step 2
Customize Your Coverage

Review plan options and personalize your benefits, from global treatment areas to high-limit add-ons, ensuring every detail reflects your priorities.

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Step 3
Apply and Get Covered

Submit your application with full support from your advisor. Once approved, your coverage begins, ready when and where you need it.

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Take the First Step Towards Premium Health Protection

Share a few details and our team will schedule your one-on-one consultation, on your terms, at your pace.

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We’re here to help!

For further assistance, please contact our Sales Support team to get your free quote.

Email

Email

teleservice@oona-insurance.com.ph
Support Agent

Landline

(+632) 8876-4400
Support Agent

Smart

920 918 6242
Support Agent

Globe

917 581 7175

Why Choose Oona Health Insurance?

Global-Ready Coverage With Up to US$2M Protection

Global-Ready Coverage With Up to US$2M Protection

Access care in 190+ countries with up to US$2M in annual coverage. Choose flexible treatment area limits for premium efficiency.

Access a Wide Network of Trusted Health Providers

Access a Wide Network of Trusted Health Providers

Get care from 15,000+ doctors and 600+ hospitals and clinics. Oona’s global and nationwide network ensures you’re supported wherever you are.

Digital-First, Hassle-Free Access to Quality Care

Digital-First, Hassle-Free Access to Quality Care

Enjoy real-time eligibilty checks, digital-first claims processing and 24/7 global assistance, no delays, no paperwork no headaches.

Coverage That’s Custom-Built to Fit Your Life

Coverage That’s Custom-Built to Fit Your Life

No one-size-fits-all. Choose your tier benefits and deductibles to match your lifestyle, at home or across borders.

Mental Health & Modern Needs Included

Mental Health & Modern Needs Included

From mental wellness to vaccines and urgent care, enjoy full protection for today’s health needs, at no added cost.

Health Coverage With No Gaps at Any Stage of Life

Health Coverage With No Gaps at Any Stage of Life

Oona supports every stage of life with coverage starting at just 15 days old, and guaranteed renewability until age 99.

Got a question about Heath Insurance in the Philippines?

Explore our FAQ page to find all the information you need.

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What is health insurance and why do I need it?

Answer
Health insurance helps cover the cost of medical care such as doctor visits, hospitalization, surgery, and treatment. It protects you from high, unexpected medical expenses and ensures you can access timely healthcare when needed.

Does Oona health insurance cover overseas medical emergencies?

Answer
Yes. Oona offers emergency medical coverage abroad — up to 90 days for Global Shield and 30 days for Purple Shield, included at no extra cost.

What are the annual coverage limits for Oona health plans?

Answer
Global Shield offers up to US$2,000,000 per year, and Purple Shield provides up to ₱5,000,000 — ideal for both routine care and serious medical events.

Does Oona offer family health insurance?

Answer
Yes. Oona provides family health insurance plans that cover your spouse and children under one policy — ideal for protecting your loved ones at home or abroad.

Is mental health insurance included in Oona’s coverage?

Answer
Absolutely. Oona includes mental health coverage as part of its standard benefits, unlike many insurers that charge extra for it.

Can I use Oona health insurance at any hospital?

Answer
You can access a wide network of accredited hospitals and doctors in the Philippines and abroad (with Global Shield), depending on your chosen plan.

Does Oona cover pre-existing conditions?

Answer
If you have a pre-existing condition, Oona will review it through a medical assessment. While it may not be covered during your first policy year, it may become eligible for coverage upon renewal, depending on Oona’s underwriting approval.

How does the co-payment option work?

Answer
Oona offers an optional 20% co-payment that gives you a 25% discount on your premium — ideal if you want lower upfront costs.

Who is eligible for Oona health insurance?

Answer
Anyone from 15 days old to 99 years can apply, with guaranteed renewability up to age 100 — perfect for all life stages.

How do I apply for health insurance with Oona?

Answer
Simply submit your contact info, and an Oona advisor will guide you in choosing the best health insurance plan that fits your lifestyle and budget.

What does a typical health insurance plan cover?

Answer
A typical health insurance plan covers hospitalization, surgery, doctor consultations, diagnostic tests, and emergency medical treatment. Some plans may also include preventive care or wellness benefits depending on the policy.

What’s the difference between HMO and private health insurance?

Answer
An HMO (Health Maintenance Organization) typically covers services within a specific network of providers and may have more limitations. Private health insurance usually offers broader coverage, higher benefit limits, and more flexibility in choosing doctors and hospitals even outside a network.

How do I choose the best health insurance plan?

Answer
Start by considering your medical needs, budget, and whether you need coverage just in the Philippines or abroad. Look at annual limits, hospital networks, co-payments, and included benefits like mental health or maternity. It’s also helpful to speak to a licensed advisor to compare options tailored to your lifestyle.

Is health insurance worth it if I’m young and healthy?

Answer
Yes. Even if you’re in good health, accidents and illnesses can happen unexpectedly. Without insurance, emergency care or hospitalization especially abroad can be very costly. Health insurance also helps cover routine checkups, mental health support, and preventive care. Getting insured while you're young often means lower premiums and better long-term options.

What is Oona Health Insurance and how does it work?

Answer
Oona Health Insurance provides flexible, comprehensive coverage for individuals and families. Depending on your selected plan, medical expenses may be paid directly to hospitals (cashless) or reimbursed after treatment. Oona offers options for both local and international coverage.

What is the difference between Global Shield and Purple Shield?

Answer
Global Shield is an international health insurance plan with up to US$2 million annual limit and worldwide coverage. Purple Shield is a domestic health insurance plan with up to ₱5 million coverage for medical needs within the Philippines.

What does Oona health insurance cover?

Answer
Oona health plans cover inpatient and outpatient treatment, emergency care, surgery, and specialist consultations. Optional benefits such as dental, optical, or wellness services may be available depending on the selected plan.

Which is the best health insurance plan for Filipinos abroad?

Answer
Global Shield is the ideal choice for Filipinos living or working overseas, with 90 days of overseas medical insurance per trip, plus emergency and hospitalization coverage worldwide.

Notes

The information on this website provides a general overview. For comprehensive details and the full terms and conditions, please refer to the policy document.

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