Blue Royale

Blue Royale offers you freedom of choice to select the best medical treatment, anywhere in the world. Blue Royale provides an impressive coverage limit of up to USD2 million each year.
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Your choice of hospital, clinic, pharmacy and doctor... WORLDWIDE!
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All-inclusive Core Benefits with coverage for both your medical and travel insurance needs
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Maternity and Childbirth Coverage
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Benefit Highlights

  • Maximum coverage of up to USD2 million
  • Freedom to choose your own medical provider
  • All-inclusive Core Benefits to cover medical and travel insurance needs
  • Flexibility of availing of your benefits via reimbursement or no-cash-outlay
  • Maternity and childbirth coverage
  • Worldwide emergency assistance
  • Optional coverage for dental, vision and personal accident
  • Covers infants up to persons 100 years old

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Your Own Medical Provider

Blue Royale gives you the freedom to choose the best medical care, anywhere in the world. Whether you need treatment at a top-tier hospital, a specialized clinic, or a trusted local doctor, this plan ensures you have access to high-quality healthcare without restrictions. With coverage for medical and travel-related needs, you can confidently seek treatment no matter where you are. Whether at home or abroad, Blue Royale keeps you protected with seamless access to world-class medical services.

USD2 Million Coverage

Medical expenses can be overwhelming, but Blue Royale provides one of the highest coverage limits available, offering up to USD2,000,000 annually. This benefit limit ensures you have financial support for everything from routine medical care to major surgeries and critical treatments. Whether it’s an unexpected emergency or a long-term health condition, you can focus on your recovery knowing you have substantial coverage. With swift reimbursement or cashless treatment at accredited hospitals, Blue Royale eliminates financial stress so you can prioritize your health.

All-inclusive Core Benefits

From infancy to 100 years old, Blue Royale is designed to support you at every stage of life. The plan includes essential core benefits such as emergency medical evacuation, repatriation, and even maternity and childbirth coverage. Optional dental and vision benefits allow you to customize your plan to fit your specific needs. Whether you’re planning a family, managing your health as you age, or traveling frequently, Blue Royale provides the coverage you need. With a holistic approach to medical and travel protection, you can enjoy life with confidence and security.

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Preview of Benefit Limits

Plan A
Plan B
Plan C
Maximum Coverage per Year (aggregate limit per year)
USD500,000
USD1,000,000
USD2,000,000
Room and Board
Daily Limit for Philippine Confinement
USD300
USD600
USD850
Room and Board
Daily Limit for Overseas Confinement
Private Room up to USD1,000
Private Room up to USD1,500
Private Room up to USD1,500
Professional Fee
As charged
As charged
As charged
Intensive Care Unit, Coronary
Care Unit, Telemetry
As charged
As charged
As charged
Operating Theater and Recovery Room
As charged
As charged
As charged
Surgeon's Fee
USD30,000
As charged
As charged
Anesthesiologist Fee
50% of Surgeon's Fee
As charged
As charged
Bariatric Surgery Procedures
USD2,000
USD3,000
USD5,000
Private Duty Nurse
As charged
As charged
As charged
Procedure Done on an Out-Patient Basis
(Surgical Procedures)
Subject to the limits of
the Surgical Benefits
Subject to the limits of
the Surgical Benefits
Subject to the limits of
the Surgical Benefits
Procedure Done on an Out-Patient Basis
(Non-Surgical Procedures)
Up to Maximum Coverage Limit
Up to Maximum Coverage Limit
Up to Maximum Coverage Limit
Show Preview of Premiums

Downloads

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Frequently Asked Questions
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How can I get a Pacific Cross Medical Insurance Plan?
Fill out the Contact Form on our website (Click Contact us above), or e-mail us at info@pacificcross.com.ph. Our Account Executives will be more than happy to answer your questions or give you a free presentation online or in person, whichever you prefer.
How do I pay for my Pacific Cross Medical Plan’s Premium/Membership Fee?
Pacific Cross offers you several convenient ways to pay your premium: You can pay in cash or credit, via our website (Click Buy/Pay Medical), online banking or over-the-counter payments, either annually or semi-annually.
How can I get a Pacific Cross Travel Insurance Plan?
You can get a quote, and eventually buy our Travelsafe Insurance online through our website (Click Buy Travel Plans). Premiums will vary depending on certain factors such as your itinerary and the specific plan selected among others.
Do your Medical and Travel Plans provide coverage for COVID-19?
Pacific Cross Medical Plans provide reimbursement for COVID-19 vaccine acquisition and administration availed of overseas or within the Philippines, while Pacific Cross Travel Plans provide coverage for COVID-19 In-Patient Care. 

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Do I need to undergo a physical examination before I can get a Pacific Cross Insurance Plan?
No. Applicants normally do not need to undergo a physical exam. All you have to do is answer the application form and medical questionnaire as truthfully as possible. Failure to answer the questions in the declaration in full, concealment, or misrepresentation of any significant condition will affect your Policy/Agreement and the payment of your claims.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What is a Pre-Existing Condition?
A Pre-Existing Condition is any disability which existed before the commencement of cover as it presented signs or symptomswhich you were aware or should reasonably have been aware of. Pre-Existing Conditions are also those that are knownto you because you have felt its signs and symptoms regardless if this prompted you to seek for treatment, medication,advice, or diagnosis. When you answer our Medical Questionnaire, please ensure that you tell us about all your medicalconditions and symptoms happening at any time in the past and/or present, known and/or suspected, whether or nottreatment or professional advice was sought. Based on your provided details and submitted medical reports, declaredpre-existing conditions may be covered immediately subject to the Company’s underwriting guidelines.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What are Exclusions?
Exclusions are certain conditions that are permanently excluded from being covered. For full details, please refer to your Policy/Agreement.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Can I avail of 24/7 Telemedicine Consults?
Yes. Pacific Cross, together withour Telehealth Provider, allow you to have access to licensed doctors through your mobile phone, no appointment needed. This partnership provides you with immediate and easier healthcare access, especially amidst today's difficult times when obtaining quality medical care can be a challenge. As needed, our telehealth partner may provide important medical documents (e.g., e-prescriptions, e-laboratory requests, e-medical certificates).You can also get in touch with our telehealth partner for mental health first-aid support.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.

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