La mayoría de los visados para nómadas digitales convierten el seguro médico en una condición para la aprobación — y el DNV de Philippines no es diferente. Aquí tienes exactamente qué se exige, los planes que plausiblemente lo cumplen y qué comprobar antes de contratarlo.
El requisito
- Seguro
- Obligatorio (explícito)
- Cobertura mínima
- No especificado
- Obligatorio para
- Toda la vigencia del visado
EO 86 Sec. 2 explicitly requires applicants to 'have health insurance valid for the period of the DNV' (verified in the EO text). No minimum coverage amount is set in the EO; secondary/consular-level guidance suggests the policy should cover medical emergencies including repatriation, but this is not fixed in the official issuance. PhilHealth (public) enrolment is not mandated for DNV holders; private international/travel health cover is the practical route.
Planes que cumplen el requisito
Ordenados por adecuación al requisito y, después, por precio. El estado de cumplimiento se muestra por plan — comprueba siempre que el certificado de la póliza coincide con la redacción del consulado antes de presentar la solicitud.
SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription
Worldwide travel-medical subscription (USD 250k + USD 100k evacuation) buyable from anywhere regardless of residence, runs the full DNV stay, and issues a downloadable certificate of coverage as visa proof — squarely matches EO 86's open-ended 'medical emergencies incl. repatriation' requirement with no published minimum.
- Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
- No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
- Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64
from €54.36 /mo
View plans (opens in a new tab)Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance
Genki Traveler is worldwide long-stay travel health (EUR 1,000,000/yr) sold globally including to people already abroad, with an insurance certificate issued immediately for visa/border use — fits the Philippines DNV's accepted travel/international_health type and emergency+repatriation expectation.
- Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
- Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
- 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment
from €63.90 /mo
View plans (opens in a new tab)Care Concept AG (Bonn, Germany) · Long-stay travel insurance
Care Expatriate is a worldwide long-stay expat/travel policy with inpatient, outpatient and medical repatriation, marketed as authority-recognised (cover >EUR 30k) — a buyable route for a relocation to the Philippines meeting EO 86's emergency-and-repatriation requirement.
- Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
- Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
- Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)
from €58 /mo
View plans (opens in a new tab)Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)
Needs verificationCigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance
Cigna Global is worldwide full international health (Silver $1M to Platinum unlimited) with no upper age limit and is buyable for an expat in the Philippines, but emergency evacuation/repatriation is an optional module — needs verification that the repatriation EO 86 calls for is actually included on the chosen plan.
- Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
- No upper enrollment age (18+); insurer states it does not terminate policies based on age
- Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium
from — /mo
View plans (opens in a new tab)Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance
Foyer Global Health offers worldwide cover with unlimited inpatient and a 3-month-minimum-stay design that suits a DNV relocation, but it is full international health (not travel) with onboarding and Region selection — needs verification that the chosen region and repatriation benefit fit the Philippines stay.
- No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
- Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
- Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans
from €80 /mo
View plans (opens in a new tab)World Nomads (nib Travel Services; EU product manufactured by Collinson Insurance Europe Ltd) · Long-stay travel insurance
World Nomads carries high emergency-medical and evacuation/repatriation limits that would satisfy EO 86's open-ended requirement, but eligibility is tied to country of residence (mainly EU/EEA/UK/US) — qualifies only for applicants who are residents of those regions, so residency must be verified.
- Can be bought or extended while already abroad (waiting period applies, e.g. 72 hours on EU policies bought mid-trip); max policy duration 12 months for EU residents
- EU-resident plans carry high emergency medical limits: 5M EUR (Standard) / 10M EUR (Explorer), incl. evacuation and repatriation
- Covers 150+ adventure sports and activities; Explorer adds more activities and higher sub-limits
from — /mo
View plans (opens in a new tab)Algunos enlaces son de afiliación — consulta nuestra divulgación. Las clasificaciones se basan en la adecuación al requisito, nunca en comisiones.
Qué comprobar antes de contratar
- 📄La redacción del certificado coincide con el requisito del visado — debe nombrar explícitamente el país y el periodo de cobertura.
- 💶La cobertura es integral (hospitalización, ambulatoria y urgencias), ya que no se publica un mínimo fijo.
- 🚑El tratamiento de urgencia, la hospitalización y la repatriación médica están todos incluidos.
- 📅La póliza cubre toda la estancia para la que solicitas el visado — muchas pólizas de viaje limitan la duración del trayecto.
- 🌍Eres realmente elegible para contratarlo (algunos planes solo se venden a residentes de la UE, el Reino Unido o EE. UU.).
- 🤝Encaja con el funcionamiento de la asistencia sanitaria local — consulta la página del sistema sanitario.
Seguro para el DNV: preguntas frecuentes
Seguro para el DNV: preguntas frecuentes
¿Es obligatorio el seguro médico para el DNV de Philippines?
Obligatorio (explícito). EO 86 Sec. 2 explicitly requires applicants to 'have health insurance valid for the period of the DNV' (verified in the EO text). No minimum coverage amount is set in the EO; secondary/consular-level guidance suggests the policy should cover medical emergencies including repatriation, but this is not fixed in the official issuance. PhilHealth (public) enrolment is not mandated for DNV holders; private international/travel health cover is the practical route.
¿Puedo usar un seguro de viaje normal?
El seguro médico de viaje de larga estancia figura entre los tipos aceptados para este programa, siempre que cumpla los mínimos de cobertura durante todo el periodo exigido.
Fuentes
- Official gazette Executive Order No. 86, s. 2025 — Authorizing the Issuance of Digital Nomad Visas (full text) (opens in a new tab) accessed 2026-06-15
- Government Executive Order No. 86 — Authorizing the Issuance of Digital Nomad Visa — Supreme Court E-Library (opens in a new tab) accessed 2026-06-15
- Official gazette Executive Order No. 86, s. 2025 — Official Gazette of the Republic of the Philippines (opens in a new tab) accessed 2026-06-15
- Government PBBM allows issuance of DNVs to non-immigrant aliens — Presidential Communications Office (opens in a new tab) accessed 2026-06-15
- Law firm The Philippines Opens Doors to Remote Workers With Digital Nomad Visa — Lexology (opens in a new tab) accessed 2026-06-15
- Media Health Insurance in the Philippines for Foreigners / PhilHealth eligibility — Pacific Prime (opens in a new tab) accessed 2026-06-15