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Medical treatment in the Philippines can be surprisingly expensive, especially for foreign students using private hospitals or emergency care.
A basic outpatient consultation can cost PHP 800–1,500
Hospital stays can easily exceed PHP 3,000–10,000 per day
Emergency surgery or transportation can cost even more
Without proper insurance, you may be forced to pay out-of-pocket, which can cause stress and financial strain—especially if you are far from home.
Furthermore, most public health insurance plans from your country don’t cover international treatment. Even if coverage exists, it may only apply to “emergencies” or may require full reimbursement procedures.
That’s why having a comprehensive study abroad insurance plan is not just recommended—it’s essential for peace of mind.
No, 3D ACADEMY does not include insurance in its tuition fees and does not directly provide it. However:
We require or strongly advise all students to come with their own insurance
In case of illness or accident, our Japanese, Korean, and Chinese-speaking staff will support you with:
Hospital recommendations
Transportation
Insurance claim documents
Translation and communication with medical staff
We will do our best to help—but you need your own insurance policy to receive reimbursement.
A good study abroad insurance plan should include the following:
Coverage Type | Description |
---|---|
Medical Expenses | Hospital visits, medications, treatments for illness or injury |
Emergency Care | Ambulance, emergency surgery, sudden illness |
COVID-19 Treatment | Coverage for testing, treatment, quarantine if needed |
Personal Liability | Accidental damage or injury to others |
Emergency Evacuation | If you need to return to your country due to medical emergency |
Loss/Theft of Belongings | Optional, but useful for luggage or electronics |
Trip Cancellation | Optional, covers canceled or delayed flights |
Make sure your policy covers the entire duration of your stay in the Philippines and that the territory is valid for “Asia” or “worldwide.”
If you are coming from Japan, you have many options:
AIG損保 / AIU海外旅行保険 – popular among students
ジェイアイ傷害火災保険(t@biho) – customizable online plans
損保ジャパン / 東京海上日動 – trusted providers with strong global networks
クレジットカード付帯保険 – be careful: often valid only for 90 days and under strict conditions
Make sure the plan includes:
医療費補償(500万~1,000万円以上推奨)
損害賠償責任(事故などへの補償)
救援者費用・緊急移送
海外生活に特化した補償内容
Some Japanese students also join 大学生協や共済系保険, but be sure to check overseas coverage terms carefully.
Popular options include:
DB손해보험 유학생보험
삼성화재 해외유학보험
현대해상 or KB손해보험
Be sure the plan includes:
Long-term stay (over 30–90 days)
Coverage for medical bills in Philippine private hospitals
Access to a Korean-speaking claim center or mobile app
Also check if your credit card includes insurance, and for how long.
Options include:
Cathay Life(國泰) or Fubon Insurance(富邦) – with 留遊學險
中國人壽、台灣人壽 – check their 留學/海外險 plans
Be sure your plan:
Covers COVID-19 treatment
Allows direct billing or quick reimbursement
Covers emergency return flights if needed
Ask your agent: “Does this cover medical expenses in the Philippines for students?”
If you’re from Europe, the U.S., Latin America, or Southeast Asia:
Check with your national health system to see if international coverage is included
If not, consider private global insurers such as:
World Nomads (student-friendly, flexible plans)
SafetyWing (monthly subscription, good for digital nomads and students)
IMG Global
AXA International / Allianz Travel
These providers usually offer:
Online enrollment
24/7 assistance centers
PDF certificates for visa use or school records
At 3D ACADEMY, we take student health seriously.
A licensed medical doctor visits the school every weekday (Monday to Friday) to provide on-site consultations for students. This convenient service means:
You don’t need to go to a clinic for basic medical concerns
You can get quick attention for symptoms like fever, stomach issues, or minor injuries
You can receive advice, prescriptions, and referrals if needed
If you have overseas insurance that supports cashless service, you can often receive treatment without paying upfront, as long as your provider is recognized.
Our staff will help:
Contact the doctor on your behalf
Assist with insurance claim procedures
Communicate with the clinic or hospital if necessary
Translate medical information if you’re not confident in English
If your condition requires more advanced treatment, we’ll help you access a partner hospital or clinic nearby, including major facilities such as Cebu Doctors’ University Hospital, Chong Hua, or UCMed.
If you don’t have insurance and require medical help:
You’ll need to pay everything out of pocket
Most clinics require cash or credit card payment up front
Reimbursement is not possible unless you’re insured
In serious cases, this could cost hundreds to thousands of US dollars
While healthcare quality in Cebu is generally good, the costs are real, especially in private hospitals like Chong Hua, UCMed, or Cebu Doctors’.
A: Some international providers allow late enrollment, but most Japanese and Korean insurance must be purchased before departure. It’s safer to arrange it in advance.
A: Yes! Please bring a digital and printed copy of your insurance certificate, including your name, policy number, and contact info for emergency assistance.
A: From the day you leave your home country until the day you return, including flights and possible delays.
Step | What to Do |
---|---|
1️⃣ | Check if your country’s public insurance covers study abroad |
2️⃣ | Choose a plan with medical, emergency, and liability coverage |
3️⃣ | Confirm the policy period (start to end of trip) |
4️⃣ | Bring printed and digital proof of your policy |
5️⃣ | Save the insurance emergency hotline number on your phone |
You’re about to embark on a life-changing journey in Cebu. Don’t let unexpected accidents, illness, or stress ruin it. With the right insurance:
You’ll have peace of mind
You’ll receive faster care if something goes wrong
Your family will feel more comfortable and secure knowing you’re protected
Whether you’re a first-time traveler or an experienced explorer, study abroad insurance is one thing you should never skip.
If you’re still unsure, feel free to contact 3D ACADEMY staff before departure. We’re happy to help you make the right choice for a safe and successful stay.