{"id":26983,"date":"2025-05-19T09:21:00","date_gmt":"2025-05-19T07:21:00","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=26983"},"modified":"2026-02-13T11:41:15","modified_gmt":"2026-02-13T09:41:15","slug":"assurance-sante-philippines-expatries","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/assurance-sante-philippines-expatries\/","title":{"rendered":"Vivre aux Philippines : Prot\u00e9gez votre sant\u00e9 avec la bonne assurance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Si vous envisagez de <a href=\"https:\/\/carexpat.com\/blog\/expatriation-asie\/\" target=\"_blank\" rel=\"noreferrer noopener\">vous installer aux Philippines<\/a> en tant qu&rsquo;expatri\u00e9, la question de l&rsquo;assurance sant\u00e9 est cruciale. Bien que le pays dispose d&rsquo;un syst\u00e8me de sant\u00e9 public, PhilHealth, celui-ci pr\u00e9sente des limitations significatives pour les \u00e9trangers. Souscrire une assurance sant\u00e9 internationale adapt\u00e9e est donc fortement recommand\u00e9 pour garantir une couverture optimale et une tranquillit\u00e9 d&rsquo;esprit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le syst\u00e8me de sant\u00e9 aux Philippines : ce qu\u2019il faut savoir<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le syst\u00e8me de sant\u00e9 philippin est compos\u00e9 d\u2019un secteur public et d\u2019un secteur priv\u00e9. Si le pays dispose d\u2019infrastructures m\u00e9dicales modernes, la qualit\u00e9 et l\u2019accessibilit\u00e9 des soins varient fortement selon les r\u00e9gions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PhilHealth : la couverture publique nationale<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance sant\u00e9 publique aux Philippines est g\u00e9r\u00e9e par <strong>PhilHealth<\/strong>, un organisme gouvernemental qui propose une couverture de base \u00e0 la population. Bien que les expatri\u00e9s puissent y cotiser volontairement, ce syst\u00e8me pr\u00e9sente plusieurs limites notables :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acc\u00e8s restreint<\/strong> : PhilHealth couvre uniquement certaines pathologies ou actes m\u00e9dicaux et impose un <strong>plafond de remboursement<\/strong> relativement bas.<\/li>\n\n\n\n<li><strong>D\u00e9lais d\u2019attente<\/strong> : Les expatri\u00e9s qui s\u2019inscrivent volontairement doivent attendre <strong>jusqu\u2019\u00e0 9 mois<\/strong> avant de pouvoir b\u00e9n\u00e9ficier de la couverture.<\/li>\n\n\n\n<li><strong>Frais \u00e0 la charge du patient<\/strong> : PhilHealth ne rembourse qu\u2019une <strong>partie des frais m\u00e9dicaux<\/strong> (en moyenne 20 \u00e0 40 %), le reste restant \u00e0 la charge du patient.<\/li>\n\n\n\n<li><strong>Qualit\u00e9 in\u00e9gale des soins publics<\/strong> : Les h\u00f4pitaux publics sont souvent surcharg\u00e9s et moins bien \u00e9quip\u00e9s, notamment en dehors des grandes villes.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Les h\u00f4pitaux priv\u00e9s : un haut niveau de soins, mais \u00e0 quel prix ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La majorit\u00e9 des expatri\u00e9s se tournent vers le <strong>secteur priv\u00e9<\/strong>, qui propose des soins de qualit\u00e9, avec un personnel m\u00e9dical souvent form\u00e9 \u00e0 l\u2019\u00e9tranger. Cependant, ces \u00e9tablissements peuvent \u00eatre tr\u00e8s co\u00fbteux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Consultation chez un m\u00e9decin g\u00e9n\u00e9raliste<\/strong> : \u00e0 partir de 17 \u20ac<\/li>\n\n\n\n<li><strong>Hospitalisation pour une appendicite<\/strong> : environ 450 \u20ac par jour\u200b<\/li>\n\n\n\n<li><strong>Accouchement<\/strong> : entre 450 \u20ac et 600 \u20ac<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Une assurance sant\u00e9 internationale permet de couvrir ces frais et d&rsquo;acc\u00e9der aux meilleurs \u00e9tablissements sans souci financier.\u200b<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Tarifs moyens dans les h\u00f4pitaux priv\u00e9s aux Philippines (2025)<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Service m\u00e9dical<\/strong><\/td><td><strong>Fourchette de prix (PHP)<\/strong><\/td><td><strong>Fourchette de prix (EUR)<\/strong><\/td><\/tr><tr><td><strong>Consultation g\u00e9n\u00e9rale<\/strong><\/td><td>700 \u2013 1\u202f200<\/td><td>11 \u2013 19 \u20ac<\/td><\/tr><tr><td><strong>Consultation sp\u00e9cialiste<\/strong><\/td><td>800 \u2013 1\u202f500<\/td><td>13 \u2013 24 \u20ac<\/td><\/tr><tr><td><strong>Hospitalisation (chambre priv\u00e9e)<\/strong><\/td><td>2\u202f500 \u2013 6\u202f000 par jour<\/td><td>40 \u2013 96 \u20ac<\/td><\/tr><tr><td><strong>Accouchement par voie naturelle<\/strong><\/td><td>\u00c0 partir de 25\u202f000<\/td><td>\u00c0 partir de 400 \u20ac<\/td><\/tr><tr><td><strong>C\u00e9sarienne<\/strong><\/td><td>45\u202f000 \u2013 110\u202f000<\/td><td>720 \u2013 1\u202f760 \u20ac<\/td><\/tr><tr><td><strong>Appendicectomie<\/strong><\/td><td>50\u202f000 \u2013 100\u202f000<\/td><td>800 \u2013 1\u202f600 \u20ac<\/td><\/tr><tr><td><strong>Scanner abdominal complet<\/strong><\/td><td>10\u202f266 \u2013 18\u202f853<\/td><td>164 \u2013 300 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Assurance sant\u00e9 internationale aux Philippines : une n\u00e9cessit\u00e9 pour les expatri\u00e9s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S&rsquo;installer aux Philippines offre une exp\u00e9rience enrichissante, mais il est essentiel de se pr\u00e9munir contre les impr\u00e9vus m\u00e9dicaux. Le syst\u00e8me de sant\u00e9 philippin, bien que dot\u00e9 d&rsquo;infrastructures modernes dans les grandes villes, pr\u00e9sente des disparit\u00e9s en termes de qualit\u00e9 et d&rsquo;accessibilit\u00e9, notamment dans les zones rurales. De plus, la couverture offerte par le syst\u00e8me public, PhilHealth, reste limit\u00e9e pour les expatri\u00e9s. Face \u00e0 ces d\u00e9fis, souscrire une assurance sant\u00e9 internationale devient indispensable. Elle offre une couverture \u00e9tendue, adapt\u00e9e aux besoins sp\u00e9cifiques des expatri\u00e9s : acc\u00e8s \u00e0 des soins de qualit\u00e9, prise en charge compl\u00e8te des frais m\u00e9dicaux, assistance rapatriement et couverture lors de voyages dans d&rsquo;autres pays. Les expatri\u00e9s fran\u00e7ais disposent g\u00e9n\u00e9ralement de deux options :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Assurance au premier euro<\/strong> : cette formule rembourse les frais m\u00e9dicaux d\u00e8s le premier euro d\u00e9pens\u00e9, sans passer par la CFE. Elle offre une couverture compl\u00e8te, adapt\u00e9e aux besoins sp\u00e9cifiques des expatri\u00e9s.<\/li>\n\n\n\n<li><strong>Compl\u00e9mentaire \u00e0 la CFE<\/strong> : en adh\u00e9rant \u00e0 <a href=\"https:\/\/carexpat.com\/blog\/protection-sociale-et-cfe\/\">la Caisse des Fran\u00e7ais de l&rsquo;\u00c9tranger<\/a> (CFE), les expatri\u00e9s b\u00e9n\u00e9ficient d&rsquo;une continuit\u00e9 avec le syst\u00e8me de s\u00e9curit\u00e9 sociale fran\u00e7ais. Une assurance compl\u00e9mentaire est alors n\u00e9cessaire pour couvrir les frais non pris en charge par la CFE. Le choix entre ces deux options d\u00e9pend de votre situation personnelle, de vos besoins en mati\u00e8re de sant\u00e9 et de votre budget. Souscrire une assurance sant\u00e9 internationale est une \u00e9tape cruciale pour tout expatri\u00e9 aux Philippines, garantissant un acc\u00e8s \u00e0 des soins de qualit\u00e9 et une protection financi\u00e8re en cas de besoin.<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/assurance-sante-philippines-683x1024.jpg\" alt=\"souscrire \u00e0 une assurance sant\u00e9 expatri\u00e9 pour les Philippines\" class=\"wp-image-26984\" srcset=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/assurance-sante-philippines-683x1024.jpg 683w, https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/assurance-sante-philippines-200x300.jpg 200w, https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/assurance-sante-philippines-768x1152.jpg 768w, https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/assurance-sante-philippines.jpg 1024w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">Couverture \u00e9tendue et services compl\u00e9mentaires<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les assurances sant\u00e9 internationales offrent des avantages suppl\u00e9mentaires :\u200b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Assistance en cas d&rsquo;urgence<\/strong> : \u00e9vacuation m\u00e9dicale, rapatriement, coordination des soins.<\/li>\n\n\n\n<li><strong>T\u00e9l\u00e9consultation m\u00e9dicale 24\/7<\/strong> : acc\u00e8s \u00e0 des m\u00e9decins francophones \u00e0 distance.<\/li>\n\n\n\n<li><strong>Couverture dans d&rsquo;autres pays<\/strong> : utile pour les voyages ou les retours temporaires en France.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces services garantissent une prise en charge compl\u00e8te, quel que soit votre lieu de r\u00e9sidence ou de d\u00e9placement.\u200b<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Assureurs majeurs aux Philippines<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les assureurs les plus reconnus pour les expatri\u00e9s aux Philippines, on trouve :\u200b<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/carexpat.com\/blog\/assurances\/april-international\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>APRIL International<\/strong> :<\/a> Avec sa solution <em>MyHEALTH Philippines<\/em>, APRIL offre une couverture personnalisable, incluant l&rsquo;hospitalisation, les soins ambulatoires, la maternit\u00e9, ainsi que l&rsquo;assistance rapatriement. Les assur\u00e9s peuvent choisir entre diff\u00e9rents niveaux de franchise et zones de couverture, selon leurs besoins et leur budget.<\/li>\n\n\n\n<li><strong>Foyer Global Health<\/strong> : Sp\u00e9cialement con\u00e7ue pour les expatri\u00e9s, cette assurance sant\u00e9 au premier euro comprend des garanties telles que l&rsquo;hospitalisation, les soins ambulatoires, la maternit\u00e9, ainsi que le rapatriement et l&rsquo;\u00e9vacuation m\u00e9dicale. Elle est adapt\u00e9e aux besoins des expatri\u00e9s aux Philippines .<\/li>\n\n\n\n<li><strong>MSH International<\/strong> : Cet assureur offre des solutions d&rsquo;assurance sant\u00e9 internationale pour les expatri\u00e9s aux Philippines, incluant des garanties pour l&rsquo;hospitalisation, les soins ambulatoires, ainsi que le rapatriement m\u00e9dical.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tarifs indicatifs des assurances sant\u00e9 internationales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les tarifs des assurances sant\u00e9 internationales varient en fonction de plusieurs crit\u00e8res, tels que l&rsquo;\u00e2ge, le niveau de couverture choisi, la franchise, et les garanties incluses. En moyenne, pour un adulte de 30 ans, les cotisations mensuelles peuvent commencer \u00e0 partir de 80 \u20ac pour une couverture de base. Cependant, pour une couverture plus compl\u00e8te incluant des garanties \u00e9tendues, les tarifs peuvent atteindre jusqu&rsquo;\u00e0 200 \u20ac par mois .\u200b<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Assureur<\/strong><\/td><td><strong>Formule<\/strong><\/td><td><strong>Plafond annuel<\/strong><\/td><td><strong>Tarif mensuel estim\u00e9<\/strong><\/td><td><strong>Remarques<\/strong><\/td><\/tr><tr><td><strong>APRIL International<\/strong><\/td><td>MyHEALTH Philippines<\/td><td>Jusqu&rsquo;\u00e0 2 000 000 $<\/td><td>\u00c0 partir de 84 \u20ac<\/td><td>Formule modulable avec options pour hospitalisation, soins ambulatoires, maternit\u00e9, dentaire et optique.<\/td><\/tr><tr><td><strong><a href=\"https:\/\/carexpat.com\/blog\/assurances\/acs\" target=\"_blank\" rel=\"noreferrer noopener\">ACS Health in Asia<\/a><\/strong><\/td><td>Silver \/ Gold<\/td><td>Jusqu&rsquo;\u00e0 1 000 000 $<\/td><td>Non sp\u00e9cifi\u00e9<\/td><td>Options Bronze, Silver et Gold avec diff\u00e9rentes couvertures.<\/td><\/tr><tr><td><strong>MSH International<\/strong><\/td><td>First&rsquo;Expat+<\/td><td>Jusqu&rsquo;\u00e0 3 000 000 $<\/td><td>Non sp\u00e9cifi\u00e9<\/td><td>Couverture mondiale avec options dentaire, optique et maternit\u00e9.<\/td><\/tr><tr><td><strong>Cigna Global<\/strong><\/td><td>Silver \/ Gold \/ Platinum<\/td><td>Jusqu&rsquo;\u00e0 2 000 000 $<\/td><td>Non sp\u00e9cifi\u00e9<\/td><td>Plans modulables avec options pour soins ambulatoires, maternit\u00e9, dentaire et optique.<\/td><\/tr><tr><td><strong>Malakoff Humanis<\/strong><\/td><td>Pack Expat&rsquo; CFE<\/td><td>Non sp\u00e9cifi\u00e9<\/td><td>\u00c0 partir de 41 \u20ac\/mois<\/td><td>Offre combin\u00e9e avec la CFE, incluant sant\u00e9, pr\u00e9voyance et retraite compl\u00e9mentaire.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>L\u2019assurance sant\u00e9 internationale pour les Philippines<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Souscrire une assurance sant\u00e9 expatri\u00e9 aux Philippines est une d\u00e9marche essentielle pour garantir votre s\u00e9curit\u00e9 et celle de votre famille. Face aux limitations du syst\u00e8me public et aux co\u00fbts potentiels des soins priv\u00e9s, une couverture internationale adapt\u00e9e vous assure une tranquillit\u00e9 d&rsquo;esprit et un acc\u00e8s aux meilleurs soins disponibles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de faire votre choix, il est recommand\u00e9 de <a href=\"https:\/\/carexpat.com\/assurance-sante\/expatriation\" target=\"_blank\" rel=\"noreferrer noopener\">comparer les diff\u00e9rentes offres disponibles<\/a> et de consulter un courtier sp\u00e9cialis\u00e9 pour trouver la solution la plus adapt\u00e9e \u00e0 votre situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si vous envisagez de vous installer aux Philippines en tant qu&rsquo;expatri\u00e9, la question de l&rsquo;assurance sant\u00e9 est cruciale. Bien que le pays dispose d&rsquo;un syst\u00e8me de sant\u00e9 public, PhilHealth, celui-ci pr\u00e9sente des limitations significatives pour les \u00e9trangers. Souscrire une assurance sant\u00e9 internationale adapt\u00e9e est donc fortement recommand\u00e9 pour garantir une couverture optimale et une tranquillit\u00e9 [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":26985,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[41,101,46],"class_list":["post-26983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conversion","tag-asie","tag-expat","tag-philippines"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance sant\u00e9 Philippines : guide essentiel pour les expatri\u00e9s<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez pourquoi une assurance sant\u00e9 aux Philippines est indispensable pour les expatri\u00e9s : options et conseils pour bien 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