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a medical plan designed for the young age market (for new clients age 21 to 35).

Blue Cross is EXCELLENCE.
We are committed to bringing nothing but the best to our clients. Our decisions are based on an intricate understanding of our clients' needs, demands and expectations. We strive to create and innovate programs that will best serve our customers.

Blue Cross is STABILITY.
We are one of the leading and most financially stable companies in the industry today. Our Premiums Earned in recent years put us in the top 20 non-life insurance companies in the Philippines.

Blue Cross is EXPERIENCE.
We draw from more than fifty years of experience in the insurance industry. Our actions are guided by a deep insight brought about by the knowledge we have gained through the years.

We are rooted in a commitment to ever improving customer service. We aim to be continuously progressive and professional. Our commendable track record and competent support staff ensure that you are given immediate and excellent service at all times.

We build and value enduring relationships. We consistently prove that we are worthy of the highest confidence---by our strict standards, the integrity of our promises and the results we deliver. In the event of a crisis, we assure you that Blue Cross will be your friend and ally.

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Identity and History

Blue Cross Insurance, Inc. is a market specialist in medical, travel and accident insurance. Based in the Philippines, and with sister companies in Thailand, Indonesia, Vietnam and other operating entities in Hong Kong, Blue Cross is part of a wider group of insurance companies operating across Asia, with a particular focus on the ASEAN region. The aim of the group is to be recognized as market leaders and Asian specialist insurers of medical and travel lines.

Blue Cross, originally named State Bonding Corporation and Insurance, Co., Inc. was founded in the Philippines in 1949. In 1977, State Bonding established a medical insurance division to respond to the growing health insurance market in the Philippines. It was in 1986 that the company changed its corporate name to Blue Cross Insurance, Inc. In 1996, Blue Cross ceased writing general insurance business to concentrate on its specialized lines of medical, personal accident and travel insurance.

Belonging to the top 20 non-life insurance companies in the Philippines, Blue Cross is one of the most financially stable companies in the market today. We have a current premium revenue of around PhP664 million per year, and assets amounting to more than PhP1 billion. With a steadfast commitment to growth and progress, Blue Cross aims to surpass these figures in the years to come.

Blue Cross's product portfolio includes a diverse range of medical and travel insurance packages. We offer international US Dollar contracts, Euro Plans for travel, as well as local Peso policies to individuals and groups.

As a specialist provider in the marketplace, our group includes a Health Maintenance Organization (HMO), Blue Cross Health Care, Inc. The Company offers health care coverage with a no-cash-outlay facility, as well as Third Party Agreements (TPAs). Blue Cross maintains a wide network of hospitals, clinics and medical facilities across the Philippines. We have also established partnerships with numerous doctors, dentists and medical specialists nationwide.

We reach our clients through a variety of distribution channels. Along with a solid base of in-house and direct Sales Account Executives, Blue Cross also maintains relationships with over a thousand medical and travel agencies, brokers and intermediaries.

To ensure that we are able to adequately care for our clients at all times, we have partnered with companies for International Emergency Assistance, and for other technology solutions for efficient hospital administration and claims payment. We have also directed our efforts to harness the power of information technology to ensure that our products are accessible to our clients and intermediaries.

Blue Cross is committed to constantly provide value and needs-based insurance products coupled with fair claims processing. Blue Cross, as a major brand in the industry for medical and travel insurance, understands that health and financial security are among the most urgent and pressing concerns of people today. As a company, Blue Cross seeks to address these concerns by offering products and services designed to respond to our customers' needs and the changing times.

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Operating Principles

Blue Cross is grounded in a vision to become the preferred medical and travel insurance provider of discerning clients. Our mission is to consistently deliver excellent, dynamic and flexible products to the marketplace. We are committed to providing our clients with value for their money by professional and personalized customer service coupled with reliable and fair claims servicing. We consider privacy of client information, attention to detail, open communication across the Company and with the market, and financial awareness as key principles in our operations. Our core values include personal and corporate integrity, total customer delight, teamwork, sense of responsibility, competence and professionalism, as well as being results and achievement- oriented.

Products and Services

Blue Cross is here to help you financially prepare for the future. We offer you:

Medical Plans for Individuals and Families


Ideal for: AB market, high net-worth individuals, senior executives and their extended family, expatriates

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Blue Royale

A worldwide Dollar plan that allows freedom of choice for the best medical care. Maximum aggregate limit per year is up to US$2 million. Also offered for Senior Citizens under Blue Royale-Premier and for non-Philippine residents and expatriates under Blue Royale Plan A +.

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A rider to our Blue Royale Medical Plan, this product helps address your fears and anxieties about the future by providing a lump sum cash benefit for critical illnesses such as cancer, heart attack and stroke.


Ideal for: Middle income to broad upper income individuals, families and senior citizens (for Premier)

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Select Standard

A Peso plan that allows you to choose your own medical provider and reimburse medical benefits up to PhP3 million for each disability per lifetime.

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Select Plus

Benefits are similar to Select Standard, but with an aggregate limit per year of up to PhP3 million.

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ACCESS Coverage Enhancement

Add the ACCESS facility to your Select Plus & Select Standard Plan. Available under Semi-Private and Private, and sharing the same inner benefit limits as those of Select Plus and Select Standard, ACCESS allows you to avail of no-cash-outlay in-patient medical treatment using our accredited network of hospitals. However, in the event that you choose not to go to an accredited medical provider, you still retain the option of filing your eligible claims for reimbursement with Blue Cross.

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A medical plan designed for the young age market (age 21 to 40), with coverage up to PhP500,000 for accident related expenses and selected Principal Illnesses (e.g. Dengue, Appendicitis, Pneumonia, etc.). Also Offers Personal Accident and Out-Patient Benefits (including Dermatologic services), plus a Blue Cross-Enjoy VIP Kit!

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A Peso plan for Senior Citizens (66 years old and above). Maximum coverage is up to PhP1.5 million for each disability per lifetime.

Medical Plans for Groups

Ideal for: Small or large companies, and offered as employee benefits

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Blue Royale DuoProtect

International Group Medical and Travel Plan especially designed for the Overseas Filipino Worker. Maximum medical coverage of US$50,000.

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Blue Cross Flexi for Groups of At Least 50 Members

A group medical plan for groups with at least 50 employees. We can tailor-fit healthcare benefits to suit clients’ needs. Available under reimbursement only or reimbursement and no cash-out plans.

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Blue Cross Flexi Baby Group (20 to 49 Members)

A group medical plan for groups with 20 to 49 employees. We can tailor-fit healthcare benefits to suit clients’ needs. Available under reimbursement only.

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Healthline TPA

A Third Party Administered Agreement, which allows the client to finance their own health plan via a revolving fund, using the Blue Cross network of accredited medical providers for the no cash-outlay facility.

Our Medical Plans may also be offered as second layer insurance to groups.

Travel Insurance Plans

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Travel insurance for business and pleasure with benefits and premiums on a per trip basis. Maximum medical treatment benefit is US$50,000, Euro 30,000 or PhP2.5 million (depending on your plan).

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Travel insurance for the frequent traveler with premiums, Medical and Personal Accident benefits on an annual basis. Maximum medical treatment, depending on plan, is either US$50,000 or PhP1 million.

We also offer group travel insurance for short trips and insurance for persons coming overseas and are bound for the Philippines, or have included Philippines in their itinerary.

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General Information

Blue Cross is committed to consistently improve its services and deliver timely results. In the event of a crisis, we will be there as your friend and ally.

Rankings (out of 83 non-life insurance companies, as of 31 December 2012):

According to Premiums Earned: No. 12
According to Gross Premium: No. 19

Directors and Officers:

Board of Directors:
Barry N. Clark, Chairman
Consuelo G. Clark, Member
Theodore V. Awad, Member
John D. Casey, Member
Atty. Ma. Belina B. Mariano, Member
Stuart R. McCarthy, Member
Noel L. Rosas, M.D., Member
Atty. Emilio S. Teng, Member

Executive Officers:
John D. Casey, Chief Executive Officer
Atty. Ma. Belina B. Mariano, Corporate Secretary
Noel L. Rosas, M.D., Medical Director
Celia D. Imperial, Vice President and Chief Finance Officer
Ma. Victoria R. Munsayac, Vice President, Medical Sales
Gerardo S. Salas, Vice President & Actuary
Lucia Z. Asia, Assistant Vice President, Travel Sales
Rodelio A. Bajar, Assistant Vice President, Policy & Underwriting

Financial References:

Banco de Oro
Pacific Star Branch - Makati Ave., Makati City

Bank of the Philippine Islands
Jupiter Branch - Jupiter St., Bel-Air, Makati City
Rufino Branch - Ayala Avenue, Makati City

China Banking Corporation
SM Southmall Branch - Alabang-Zapote Road, Talon, Las Piñas City

Equicom Savings Bank
Main Office Branch - Legaspi Village, Makati City

Head Office - The Enterprise Center, 6766 Ayala Avenue, Makati City

Bel-Air- Kalayaan Branch - Kalayaan Avenue, Makati City

Rizal Banking Corporation
Boni Avenue Business Center, Mandaluyong City

Security Bank Corporation
Medical Plaza, Dela Rosa cor. Amorsolo Sts. Legaspi Village, Makati City

Union Bank
Ayala Branch - Ayala Avenue, Makati City

United Coconut Planters Bank
J.P. Rizal Branch - J.P. Rizal Avenue, Makati City

Quick Facts:

Company Name: Blue Cross Insurance, Inc. & Blue Cross Health Care, Inc.
Total Number of Employees: 199 as of February 2013
Government Registration:
Securities and Exchange Commission: Sec. Reg. No. 4735
Tax Identification Number:
    BCII: 000-440-080-000
    BCHCI: 000-440-072-000

Blue Cross Health Care, Inc. is a member of the

Associaton of Health Maintenance Organizations of the Philippines, Inc. (AHMOPI)

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Contact Information

Head Office:

Blue Cross Center, 8000 Makati Avenue, 1200 Makati City, Metro Manila, Philippines
Tel. No.: +63 2 899-8001
Fax. No.: +63 2 325-0638
Website :

Provincial Branches:


Suite 64, West Gate Building, Sampson Road, Subic Bay Freeport Zone, Zambales, Philippines
Tel. No.: +63 47 250-0197
Telefax: +63 47 250-0199


Unit 3, G/F Zeraus Bldg., Gorordo Avenue, Brgy. Kamputhaw, Cebu City, Philippines
Tel. No.: +63 32 233-5812; +63 32 233-5816; +63 32 416-4468
Fax No.: +63 32 233-5814


2nd Floor, Left Wing, Door No. 6, Matina Town Square, Mac Arthur Highway, Matina, Davao City, Philippines
Tel. No.: +63 82 297-7314
Telefax: +63 82 297-7151

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