What Matters When Getting Comprehensive Health Insurance in the Philippines

Health Plans With Lifelong Protection and Support

Health Plans With Lifelong Protection and Support

Make sure your health plan doesn’t stop when life changes. Oona Purple Shield offers coverage from 15-days old with guaranteed renewals until 99 years old.

Coverage That Goes Beyond Just Hospital Stays

Coverage That Goes Beyond Just Hospital Stays

The right plan covers more than beds and bills. Purple Shield includes surgery, critical care, mental wellness, and flexible co-payment options.

Service That Works When Your Health Is on the Line

Service That Works When Your Health Is on the Line

Choose a plan that’s there when you need it. Oona delivers real-time support, seamless claims, and easy access to care across the country.

Explore Health Plans Built for Modern Filipino Life


Oona offers up to ₱5 million in annual coverage and access to care across 190+ countries, with optional treatment area limits for premium efficiency.
 

Plan 1M

Plan 1M

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    Room & Board (Ward)

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    The type of hospital room you get and the cost of staying there, including meals and basic care while you're admitted.

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    Medical Implant Due to Accident ₱25,000

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    Devices placed inside the body—like metal rods, plates, or screws—to repair bones or organs damaged in an accident and help the body heal properly.

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    Mental Health

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    Covers consultations, therapy, and treatment for conditions like anxiety, depression, or stress-related disorders.

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    Counselling

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    Helps cover the cost of talking to a licensed therapist or counselor for support with stress, anxiety, relationships, or other personal challenges.

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    Emergency Outpatient Treatment

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    Covers sudden medical emergencies like allergic reactions, food poisoning, or minor injuries that need quick care without hospital admission.

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    Emergency Dental Services

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    Covers urgent dental treatment needed due to a covered accident—like a fall or injury that damages your teeth or jaw.

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    Auto-Immune Conditions ₱100,000*

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    *Benefit available after 5 years.

Plan 1.5M

Plan 1.5M

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    Room & Board (Semi-private)

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    The type of hospital room you get and the cost of staying there, including meals and basic care while you're admitted.

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    Medical Implant Due to Accident ₱25,000

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    Devices placed inside the body—like metal rods, plates, or screws—to repair bones or organs damaged in an accident and help the body heal properly.

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    Mental Health

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    Covers consultations, therapy, and treatment for conditions like anxiety, depression, or stress-related disorders.

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    Counselling

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    Helps cover the cost of talking to a licensed therapist or counselor for support with stress, anxiety, relationships, or other personal challenges.

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    Emergency Outpatient Treatment

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    Covers sudden medical emergencies like allergic reactions, food poisoning, or minor injuries that need quick care without hospital admission.

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    Emergency Dental Services

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    Covers urgent dental treatment needed due to a covered accident—like a fall or injury that damages your teeth or jaw.

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    Auto-Immune Conditions ₱100,000*

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    *Benefit available after 5 years.

Plan 2M

Plan 2M

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    Room & Board (Private)

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    The type of hospital room you get and the cost of staying there, including meals and basic care while you're admitted.

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    Medical Implant Due to Accident

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    Devices placed inside the body—like metal rods, plates, or screws—to repair bones or organs damaged in an accident and help the body heal properly.

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    Mental Health

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    Covers consultations, therapy, and treatment for conditions like anxiety, depression, or stress-related disorders.

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    Counselling

    question-icon

    Helps cover the cost of talking to a licensed therapist or counselor for support with stress, anxiety, relationships, or other personal challenges.

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    Emergency Outpatient Treatment

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    Covers sudden medical emergencies like allergic reactions, food poisoning, or minor injuries that need quick care without hospital admission.

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    Emergency Dental Services

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    Covers urgent dental treatment needed due to a covered accident—like a fall or injury that damages your teeth or jaw.

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    Auto-Immune Conditions ₱100,000*

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    *Benefit available after 5 years.

Plan 3M

Plan 3M

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    Room & Board (Private)

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    The type of hospital room you get and the cost of staying there, including meals and basic care while you're admitted.

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    Medical Implant Due to Accident

    question-icon

    Devices placed inside the body—like metal rods, plates, or screws—to repair bones or organs damaged in an accident and help the body heal properly.

  • green-tick

    Mental Health

    question-icon

    Covers consultations, therapy, and treatment for conditions like anxiety, depression, or stress-related disorders.

  • green-tick

    Counselling

    question-icon

    Helps cover the cost of talking to a licensed therapist or counselor for support with stress, anxiety, relationships, or other personal challenges.

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    Emergency Outpatient Treatment

    question-icon

    Covers sudden medical emergencies like allergic reactions, food poisoning, or minor injuries that need quick care without hospital admission.

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    Emergency Dental Services

    question-icon

    Covers urgent dental treatment needed due to a covered accident—like a fall or injury that damages your teeth or jaw.

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    Auto-Immune Conditions ₱100,000*

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    *Benefit available after 5 years.

Plan 5M

Plan 5M

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    Room & Board (Private)

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    The type of hospital room you get and the cost of staying there, including meals and basic care while you're admitted.

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    Medical Implant Due to Accident

    question-icon

    Devices placed inside the body—like metal rods, plates, or screws—to repair bones or organs damaged in an accident and help the body heal properly.

  • green-tick

    Mental Health

    question-icon

    Covers consultations, therapy, and treatment for conditions like anxiety, depression, or stress-related disorders.

  • green-tick

    Counselling

    question-icon

    Helps cover the cost of talking to a licensed therapist or counselor for support with stress, anxiety, relationships, or other personal challenges.

  • green-tick

    Emergency Outpatient Treatment

    question-icon

    Covers sudden medical emergencies like allergic reactions, food poisoning, or minor injuries that need quick care without hospital admission.

  • green-tick

    Emergency Dental Services

    question-icon

    Covers urgent dental treatment needed due to a covered accident—like a fall or injury that damages your teeth or jaw.

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    Auto-Immune Conditions ₱100,000*

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    *Benefit available after 5 years.

Download brochure

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, whether it’s extra outpatient coverage, diagnostics, or preferred hospital access, 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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Let us find the best product that suits your needs

Please share your contact details and an Oona representative will contact you soon.

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We’re here to help!

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

Why Is Oona Purple Shield the Right Choice?

Strong Health Coverage, Designed for Filipinos

Strong Health Coverage, Designed for Filipinos

Oona Purple Shield provides Filipinos with up to ₱5M in annual coverage, access to top health care, and flexible protection designed for life at home.

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 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 assistance, no delays, no paperwork headaches.

Coverage That’s Custom-Built to Fit Your Life

Coverage That’s Custom-Built to Fit Your Life

Build a plan around your needs. Select your tier, benefits and deductibles to match your lifestyle, priorities, and budget.

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.

Need to make a claim? We keep it simple.

From hospital visits to travel mishaps or critical health concerns, Oona makes claiming easy—so you can focus on what matters most. Download the Oona Claims Guide or follow the quick steps below to get started.
 

For Medical Care and Support

For Medical Care and Support

For consultations, hospital stays, surgeries, or elective treatment, you can request a Letter of Authorization (LOA) through the Mediflex Customer Portal. In case of an emergency, proceed directly to any of our over 1500 Oona-accredited hospitals. If you've already paid out-of-pocket, you may file for reimbursement online via Mediflex.

For Travel Disruptions and Inconveniences

For Travel Disruptions and Inconveniences

Had a rough trip? Let’s sort it out.
If your travel was disrupted by delays, cancellations, or lost items, you can file your claim through our online claims portal. Need more assistance? Contact us 24/7, anywhere in the world.

For Accidents and Other Matters

For Accidents and Other Matters

If you’ve experienced an injury, dismemberment, or permanent disability, you can submit your claim online. Visit our claims portal to get started or contact us if you need help.

Got a question about Health Insurance in the Philippines?

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

Can I upgrade or downgrade my plan later?

Answer
Yes. You can adjust your coverage limit, room type, or deductible during renewal, allowing you to match your plan with your changing health needs or budget.
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Can senior citizens apply for Oona Purple Shield?

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Yes, definitely! Oona Purple Shield is open for new applicants from 15 days old up to 99 years old, and guaranteed renewable up to age 100.
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What’s covered under Oona Purple Shield?

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The plan covers inpatient and outpatient treatment, consultations, diagnostics, surgeries, mental health care, and more. You can even customize your plan to match your needs and budget.
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Are there any illnesses or treatments not covered by Oona Purple Shield?

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Certain exclusions apply, such as cosmetic procedures, non-medical supplies, fertility treatments, or experimental therapies. Your policy document provides a detailed list of non-covered conditions and treatment
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Does Oona Purple Shield cover rehabilitation or physical therapy?

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Yes. Rehabilitation and physical therapy sessions are covered when medically necessary and prescribed by a licensed physician, up to the limits stated in your policy.
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Are medicines and follow-up consultations covered?

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Yes. Prescribed medicines, follow-up checkups, and post-hospitalization treatments are covered depending on your plan’s outpatient and post-confinement benefits.
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How do I file a claim with Oona Purple Shield?

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For medical care with cashless transactions, you may request a Letter of Authorization (LOA) through the Mediflex Customer Portal prior to your treatment. For emergency cases, you may go directly to any of Oona’s 1,500+ accredited hospitals for immediate treatment. If you paid out-of-pocket at non-accredited hospitals, you can file a reimbursement claim online via Mediflex.

For travel disruptions, accidents, or injuries, simply submit your claim through the online claims portal. Need help? Oona’s 24/7 global assistance team is ready to support you anytime, anywhere.

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Does Oona Purple Shield offer cashless hospitalization?

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Yes. Oona has a nationwide network of accredited hospitals and clinics that honor cashless admission. Simply present your policy details or e-card for verification and direct settlement.
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How do reimbursements work for outpatient care or consultations?

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If you’re availing these services from a non-accredited provider, you may file for reimbursement via the Mediflex Customer Portal.
For accredited or network providers, we can issue a Letter of Authorization (LOA) before your visit. Kindly note that the LOA is valid for three (3) days from the date it’s issued.

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What should I do if my doctor or hospital asks for a Guarantee of Payment (GOP)?

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The Letter of Authorization (LOA) acts as the Guarantee of Payment. The hospital or attending facility may reach out to the Oona or Medilink hotline for assistance in obtaining the LOA.
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Why choose Oona Purple Shield for my health insurance?

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Oona Purple Shield gives you premium health protection with flexibility, affordability, and trusted service. With up to ₱5 million in coverage, digital access via MyOona, and nationwide hospital options, it’s one of the best health insurance plans in the Philippines.
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I have both HMO and PhilHealth. Would I still need Oona Purple Shield?

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Yes. Most HMOs or PhilHealth have lower limits or limited hospital choices. Oona Purple Shield gives extra protection, especially for serious or unexpected medical costs that can go beyond basic HMO or PhilHealth coverage.
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Can I still use Oona Purple Shield if I’m traveling outside the Philippines?

Answer
Oona Purple Shield is designed mainly for use within the Philippines, but emergency treatment abroad may be reimbursed depending on your plan’s terms. For full global coverage, Oona Global Shield is recommended.
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Does Oona Purple Shield cover lifestyle diseases like diabetes or hypertension?

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Yes, depending on your policy terms and underwriting approval. Chronic conditions such as diabetes, hypertension, or asthma may be covered if declared and accepted during application.
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Can I file multiple claims at once?

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Yes. You can file multiple claims as long as each claim corresponds to a separate medical event or treatment and all required documents are submitted for each. Oona will process each claim individually based on your remaining annual benefit limit and policy terms.
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What is Oona Purple Shield health insurance?

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Oona Purple Shield is a flexible health insurance plan in the Philippines that gives you up to ₱5 million in annual coverage for medical needs like hospitalization, outpatient care, diagnostics, and more—all at trusted private hospitals nationwide.
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What should I do before getting treatment or confinement?

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Before planned hospitalization or surgery, contact Oona’s pre-authorization team or your hospital’s admitting department to confirm benefits and ensure cashless admission at accredited facilities.
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What if I’m confined in a non-accredited hospital?

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You can still receive treatment at a non-accredited hospital. Pay the hospital directly, then file a reimbursement claim with Oona by submitting the required documents such as receipts and medical reports.
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How much coverage can I get with Oona Purple Shield?

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Oona Purple Shield gives you up to ₱5 million annual medical coverage, depending on your chosen plan. It’s designed to protect you from major hospital bills and healthcare costs in top private hospitals across the Philippines.
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Is there a waiting period before I can use my plan?

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Oona Purple Shield has a short waiting period just 30 days. But for accidents, you're covered immediately.
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How do I buy or apply for a plan?

Answer

Just visit the myoona.ph, answer a few simple questions, and get a personalized quote. You can apply completely online quick, easy, and secure.

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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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