Can I Bring My Family While Running a Business in Cebu?

Starting a business in Cebu, the second-largest city in the Philippines, is a bold and exciting move—but what about your family? Can they join you while you build your entrepreneurial dream in the Visayas? The short answer is yes, and many foreign business owners already do so. But there are important considerations involving immigration, daily life, cost of living, education, and cultural integration.

This comprehensive guide will help you navigate the path of relocating not just yourself, but your entire family to Cebu.

1. Visa Options That Allow Family Inclusion

The Philippines offers several visa types that allow foreigners to run a business legally, and most of these provide options to include dependents, typically defined as:

• A legally married spouse

• Children (biological or adopted) under 21–25 years old, unmarried and dependent

Most Common Visa Types for Business Owners:

Each visa type has different pathways for family members. With SIRV and SRRV, you can apply as a family unit from the beginning. With 9(g), your dependents apply separately but are often approved under your sponsorship.

Note: Tourist visas are NOT recommended for long-term stays with family, especially if your children will attend school.

2. Required Documents for Dependents

To include your family in your visa application, you will generally need to prepare these documents for each dependent:

• Valid Passport (at least 6 months before expiry)

• Birth Certificate (for children)

• Marriage Certificate (for spouse)

• Police Clearance from home country (for adults)

• Medical Certificate (from accredited clinics)

• Passport-size Photos

• Affidavit of Support (from main visa holder)

All foreign documents must be apostilled or authenticated by the Philippine embassy in your home country, and must be in or translated to English.

It’s advisable to prepare these in advance, as incomplete documents can significantly delay the application process.

3. Schooling Options for Your Children

Cebu is home to a variety of international and private schools that cater to foreign residents. Whether you prefer American, British, IB, or Montessori-based education, you’ll find suitable options.

Top International Schools in Cebu:

• Cebu International School (CIS) – IB curriculum, pre-K to 12

• Woodridge International School – American-style curriculum

• Singapore School Cebu – Singaporean and British blend

• Maria Montessori International School – Multiple campuses

Tuition ranges from PHP 150,000 to PHP 400,000+ per year per child, depending on the school and grade level.

Many schools offer ESL support, after-school programs, and modern facilities that are ideal for expat families.

4. Healthcare for Families

Healthcare in Cebu is affordable and accessible, with a growing number of modern hospitals and clinics. English is the medium of communication in most medical institutions.

Recommended Private Hospitals:

• Chong Hua Hospital

• Cebu Doctors’ University Hospital

• UCMed (University of Cebu Medical Center)

• Perpetual Succour Hospital

You can also purchase private health insurance for your family through international providers like Cigna, Pacific Cross, or PhilCare. Annual premiums for a family of 3 typically range from PHP 30,000 to PHP 100,000+, depending on coverage.

5. Where to Live: Family-Friendly Areas in Cebu

Choosing the right neighborhood is crucial for comfort, safety, and convenience.

Top Areas for Foreign Families:

Monthly rental costs range from:

• PHP 35,000–60,000 for a 2-bedroom condo

• PHP 60,000–120,000 for a house in an exclusive subdivision

6. Cost of Living for a Family

Here’s a breakdown of the average monthly budget for a family of three living in Cebu:

The actual amount will depend on your lifestyle, school choice, and type of accommodation.

7. Cultural Considerations & Family Life

Filipino society is deeply family-oriented, and foreigners with families are generally welcomed warmly. Here are a few tips to ensure smoother integration:

• Domestic Helpers: Many expat families hire a full-time nanny or housekeeper. Monthly salary ranges from PHP 6,000–12,000.

• Religious Sensitivity: The Philippines is predominantly Catholic. Many schools observe Christian holidays.

• Safety & Community: Cebu is relatively safe, especially in gated communities. Joining expat groups (on Facebook or InterNations) helps you connect faster.

8. Immigration & Long-Term Planning

If you plan to stay long-term, consider the following:

• Renew family visas on time (SRRV and SIRV offer long-term or indefinite stay)

• Children born in the Philippines may be eligible for Filipino passports if one parent is Filipino

• Some schools or visa agencies offer visa sponsorship services for dependents

Working with a registered immigration consultancy in Cebu can reduce stress and prevent delays.

Final Thoughts

Bringing your family while running a business in Cebu is not only possible, but can also be deeply rewarding. The city offers a unique balance of business opportunities, education, healthcare, and tropical lifestyle—all in a relatively affordable setting.

As long as you choose the right visa pathway, prepare your documents early, and plan your budget well, Cebu can be a wonderful place for your entire family to thrive alongside your business.