Can You Still Get Health Insurance at 70? Pacific Cross for Filipino Seniors

Can a 70-year-old still get health insurance in the Philippines? Yes — and in this video I walk through the two Pacific Cross plans I recommend to my senior clients, including those with pre-existing conditions like hypertension and diabetes. I'm Jerica David, a licensed financial advisor and estate planner. Most HMOs stop accepting new members well before 70. Pacific Cross is the one insurer my team personally handles that still does — and this video shows you exactly what that coverage looks like, what it costs, and where the limits are. WHAT THIS VIDEO COVERS • Which health insurance still accepts Filipino seniors aged 70 and above • How pre-existing conditions are handled, and the first-year waiting period • Select Plus Semi-Private — the cost-effective route, ₱1.5M annual coverage • Blue Royale — USD 500,000 annual coverage with worldwide treatment • Inner limits: what "as charged" really means and where you'll pay out of pocket • The Treatment Area Limitation (TAL) discount and how it lowers your premium • The transition year when you upgrade from a lower plan to a higher one • The full medical tests required once you turn 70 • Why honesty on your application decides whether a future claim gets paid QUESTIONS THIS VIDEO ANSWERS Q: Can seniors over 70 get health insurance in the Philippines? A: Yes — Pacific Cross still accepts applicants aged 70 and above for both inpatient and outpatient coverage, subject to underwriting. Q: Are pre-existing conditions covered? A: They can be accepted, but they are not covered in the first year, and full disclosure on the application is essential to avoid a denied claim later. Q: Which plan should a senior choose? A: Select Plus Semi-Private suits families on a budget, with ₱1.5M annual coverage and defined inner limits. Blue Royale suits families who can spend more and want worldwide treatment and a private room. Q: What medical tests are required at age 70? A: A full medical examination, micro-urinalysis, CBC, treadmill stress test, chest X-ray, HbA1c, lipid profile and uric acid — completed within the last six months. CHAPTERS 0:00 Who this video is for 0:30 If your parent is under 70 — AXA Global Health Access 0:45 Why Pacific Cross for ages 70 and above 1:20 Pre-existing conditions and honest applications 2:15 The first-year waiting period 3:00 Option 1 — Select Plus Semi-Private (₱1.5M coverage) 4:30 Inner limits: physician, specialist and surgeon's fees 6:00 Why many families choose treatment here at home 6:45 Zero billing, and taking charge of your medical bills 7:20 Option 2 — Blue Royale, USD 500,000 worldwide 8:15 The transition year when upgrading plans 9:00 Premium comparison: ₱174,000 vs ₱317,000 per year 9:45 The Treatment Area Limitation discount 10:40 Required medical tests at 70 and above 12:00 Reimbursement of medical expenses 12:45 Ready when you are — next steps WORK WITH ME If you're ready, message me and I'll send a quote, the application forms, and walk you through the medical exam and the whole Pacific Cross process. Website: jericadavid.com Email: jericaforpacificcross@gmail.com Jerica David, MDRT, CTEP — Private Wealth & Estate Advisor "Wealth must outlive you." Figures quoted are as discussed at the time of recording and are subject to underwriting, age band and plan changes. This video is general information, not a personalised recommendation. Please request a current quote for your own situation. #PacificCross #HealthInsurancePhilippines #SeniorHealthInsurance #InsuranceForSeniors #PreExistingConditions #FinancialAdvisorPhilippines #EstatePlanning #JericaDavid My Contact Details: 📩 Email: jericadavid.axa@gmail.com 📱 Facebook: https://www.facebook.com/coachjericadavid 📸 Instagram: https://www.instagram.com/coachjerica 💼 LinkedIn: https://www.linkedin.com/in/jericadavid/ 🟢 WhatsApp: +63 962 546 6907 🎵 TikTok:https://www.tiktok.com/@coachjericadavid_ Disclaimer: --------------- The information provided in this video is for general educational purposes only and does not constitute legal, financial, or tax advice. Please consult with a licensed estate planning attorney or financial advisor for personalized guidance. Jerica David and her team are not liable for decisions made based on this content. ✅ Subscribe to this channel for weekly insights on legacy planning, faith-based finance, and conflict-free inheritance for Filipino families. If you found this video helpful, please like, comment, and share it with a fellow Tita or heir who needs to hear this.