Pacific Cross Insurance

What Pacific Cross Insurance does

Pacific Cross Insurance, Inc. (PCII) is a Philippine-domiciled specialist insurer founded around 1950, focused on medical, travel, and personal accident coverage for individuals, families, and small-to-medium businesses. Its product suite spans four categories: comprehensive medical plans (Blue Royale up to USD2 million, Select up to PHP5 million, Vanguard for U.S. veterans, and FlexiShield as an HMO supplement), travel insurance (Worldwide Elite/Schengen, Asia and Oceania, Domestic, ShortSecure, and Worldwide Elite-Inbound), prepaid medical sachets (Select ER, Select Assist, MedSecure, DengueGuard, COVID-19 Care), and personal accident coverage (PHP 300,000-5,000,000). The company also offers Healthline, an Administrative Services Only (ASO) self-funded corporate healthcare product, and in May 2026 launched an enhanced TPA solution in partnership with SIMPLeTPA, featuring instant LOAs, 18-hour claims processing, and real-time utilization dashboards.

The technology foundation is a cloud-based insurance administration platform spanning data centers in Manila, Singapore, and Australia, integrated with the MyTravelSafe online travel insurance portal, the pcross.ph prepaid medical portal, and the PortOne payment gateway supporting PHP and USD collections. Distribution combines 13 physical offices (1 head office in Makati, 3 branches, 9 agencies) with direct field sales, an agent/broker network, inside sales via a member hotline, and digital self-service channels. The business is multi-channel and hybrid (DTC + sales-led), with revenue generated through annual/semi-annual insurance premiums, one-time travel and prepaid plan purchases, and subscription-based corporate TPA/ASO fees. In December 2025 the Insurance Commission approved the transfer of PCII's entire insurance portfolio to Paramount Life & General Insurance Corporation (PLGIC), with the Pacific Cross brand retained for continuity.

Name

Pacific Cross Insurance

Legal name

Pacific Cross Insurance, Inc.

Website

https://pacificcross.com.ph

Company type

Private

Founded year

1950

Operating status

Acquired

Headcount range

251–500 employees

Short description

Pacific Cross Insurance is a Philippine-domiciled specialist insurer (founded ~1950) offering medical, travel, personal accident, and corporate ASO/TPA products to individuals, families, and SMBs, distributed via 13 offices, online portals, and a partner network.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Travel Insurance & Corporate Risk Transfer (Trip, Medical, Kidnap & Ransom) (THACAEAH), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

Keywords

• Health insurance plans
• Travel insurance coverage
• Personal accident insurance
• Medical insurance provider
• Corporate healthcare administration

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Health Insurance Premiums: Annual and semi-annual premium payments from medical/health insurance plans including Blue Royale, Select, Vanguard, FlexiShield, and group plans (BC Flexi Access, BC Flexi Baby Group). Premiums can be paid in Philippine Pesos or US Dollars through various payment channels.
2. Travel Insurance Premiums: One-time premium payments for travel insurance coverage including Worldwide Elite, Asia and Oceania, Domestic, ShortSecure, and Worldwide Elite-Inbound plans. Coverage periods range from single trips up to 180 days.
3. Prepaid Medical Plans: One-time purchase of prepaid medical plans including Select ER, Select Assist, Select MedSecure, Select DengueGuard, and Select COVID-19 Care for specific medical coverage needs.
4. Personal Accident Insurance: Annual premiums for personal accident coverage for individuals and groups, with five plan tiers ranging from PHP 300,000 to PHP 5,000,000 accidental death benefit.
5. Administrative Services Only (ASO): Self-funded healthcare plan administration for corporate clients, where companies finance their own employee health plans while Pacific Cross provides professional management and access to accredited provider network.
6. TPA Services: Third Party Administration services for corporate healthcare management through partnership with SIMPLeTPA, featuring fixed monthly subscription fees paid only after utilization.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels11 records

Core offering

Pacific Cross Insurance is a Philippine-based insurance company that underwrites and distributes medical insurance plans (Blue Royale, Select, Vanguard, FlexiShield, group plans), travel insurance plans (Worldwide Elite, Asia and Oceania, Domestic, ShortSecure, Worldwide Elite-Inbound), personal accident insurance, and prepaid medical plans. It also provides Administrative Services Only (ASO) / Third Party Administration (TPA) corporate healthcare solutions through its Healthline brand, leveraging an extensive network of accredited hospitals for no-cash-outlay access.

Product overview

Pacific Cross Insurance is a Philippine-based insurance company specializing in medical, travel, and personal accident insurance with over 75 years of market presence. The company's product portfolio consists of three core insurance categories plus prepaid medical plans and administrative services. Medical Plans include Blue Royale (worldwide coverage up to USD2 million), Select (peso plan up to PHP5 million), Vanguard (for U.S. veterans, up to PHP12 million), FlexiShield (HMO supplement with PHP2 million coverage), Critical Cover Extra (critical illness rider), and two group plans (BC Flexi Access for small businesses, BC Flexi Baby Group for organizations of 20-49 members). Travel Plans encompass Worldwide Elite (global/Schengen coverage), Asia and Oceania, Domestic Philippines, ShortSecure (land/sea only), and Worldwide Elite-Inbound for visitors to the Philippines. The Prepaid Medical category includes Select ER (emergency room), Select Assist (in-patient), Select MedSecure (post-hospitalization medication), Select DengueGuard, and Select COVID-19 Care. Personal Accident insurance offers individual and group coverage from PHP300,000 to PHP5,000,000. The company also provides Healthline, an Administrative Services Only (ASO) solution for corporate clients self-funding employee healthcare.

Differentiator

Problem solved

Functional benefit

Brands

• Pacific Cross Philippines: Primary operating brand name for Pacific Cross Insurance, Inc. in the Philippines, used across all products and services including medical, travel, and personal accident insurance.
• Travelsafe
• Healthline
• Blue Royale
• Select
• Vanguard
• FlexiShield

Products and services

• Blue Royale A comprehensive worldwide medical insurance plan providing coverage up to USD2 million per year, offering freedom to choose medical providers globally with reimbursement or no-cash-outlay options. Includes all-inclusive Core Benefits covering both medical and travel insurance needs.
• Select A peso-denominated comprehensive medical plan with coverage up to PHP5 million per disability, per lifetime, offering no-cash-outlay at accredited hospitals or swift reimbursement options.
• Vanguard A Select medical plan tailored for U.S. military veterans residing in the Philippines, with up to PHP12 million maximum coverage, travel insurance benefits, and annual physical exam inclusion.
• FlexiShield A second-layer health insurance plan designed to supplement existing HMO coverage, offering up to PHP2 million medical coverage including COVID-19, available to individuals, families, and corporate accounts.
• BC Flexi Access A customizable group healthcare plan for companies with at least 3 employees (up to 50), offering no-cash-outlay in-patient and out-patient benefits through Pacific Cross's accredited provider network.
• BC Flexi Baby Group A specialized health insurance plan for small groups of 20 to 49 members, offering in-patient, critical care, surgical, and emergency benefits with 24/7 worldwide support at affordable premiums.
• Worldwide Elite Travel Insurance A travel insurance plan offering Euro and Dollar plans for worldwide travel including Schengen countries, with medical treatment benefits up to USD50,000 or EUR60,000 and Schengen visa approval.
• Asia and Oceania Travel Insurance A travel insurance plan for destinations within Asia and Oceania (including Australia and New Zealand) with medical treatment benefits up to USD50,000 or PHP1,500,000.
• Domestic Travel Insurance An affordable travel insurance plan for trips within the Philippines, providing medical treatment benefits up to PHP2,500,000 for medical emergencies and trip inconveniences.
• ShortSecure Travel Insurance A travel insurance plan specifically designed for land and sea travel only, covering medical treatment due to accidents and specified illnesses up to PHP500,000 with personal accident coverage.
• Worldwide Elite-Inbound Travel Insurance A travel insurance plan for non-residents and expatriates visiting the Philippines, offering medical treatment benefits up to USD50,000 for travelers aged 0 to 75.
• Select ER Prepaid Medical Plan A prepaid emergency medical plan covering treatment of emergency medical conditions in the Emergency Room as either Out-Patient or In-Patient, with flexible claim options.
• Select Assist Prepaid Medical Plan A prepaid medical plan covering in-patient medical treatment costs for a single eligible emergency condition, with a lump sum cash assistance option for reimbursement.
• Select MedSecure Prepaid Medical Plan A prepaid medical plan providing one-time reimbursement for post-hospitalization prescribed medications related to a covered illness or injury requiring hospitalization.
• Select DengueGuard Prepaid Medical Plan A prepaid medical plan providing financial coverage for medically diagnosed dengue fever, covering treatment costs for one dengue case within the policy period.
• Select COVID-19 Care Prepaid Medical Plan A prepaid medical plan covering in-patient treatment costs for COVID-19 or serious adverse effects of the COVID-19 vaccine, including severe vaccine reactions like anaphylaxis and Guillain-Barré Syndrome.
• Personal Accident Insurance
• Healthline ASO (Administrative Services Only) An Administrative Services Only (ASO) agreement under the Healthline brand allowing companies to self-fund employee health plans via a managed fund while utilizing Pacific Cross's network of accredited medical providers for no-cash-outlay facilities. The May 2026 enhanced version adds SIMPLeTPA digital platform features including instant LOAs, 18-hour claims processing, real-time utilization dashboards, and fully digital paperless administration with fixed monthly subscription fees.

Quantifiable outcome

• Coverage up to USD2 million for worldwide medical treatment
• +3 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• SIMPLeTPAcoreTechnology or Integration · 1 May 2026Pacific Cross Health Care, Inc. partnered with SIMPLeTPA to launch an enhanced Administrative Services Only (ASO)/Third Party Administration (TPA) program. The partnership combines Pacific Cross's expertise in medical protection with SIMPLeTPA's advanced digital platform to help companies self-fund employee healthcare plans with improved benefits, increased transparency, and reduced costs. Features include instant LOAs, 18-hour claims processing, real-time dashboards, and fully digital administration.
• Paramount Life & General Insurance Corporation (PLGIC)coreStrategic or Co-development Partner · 1 December 2025Following Insurance Commission approval on December 4, 2025, PLGIC acquired the entire insurance portfolio of Pacific Cross Insurance, Inc. (PCII). This strategic move combines PCII's specialized medical insurance expertise with PLGIC's 75+ years of experience in the Philippine insurance industry. The acquisition ensures continuity of service for all PCII policyholders while expanding the product range under the PLGIC name. Pacific Cross brand continues to be used.
• Emergency Assistance PartnerscoreTechnology or IntegrationEmergency Assistance partners who provide assistance to insured members outside of Metro Manila or abroad, including medical evacuation, medical repatriation, and return of mortal remains services.
• Accredited Healthcare ProviderscoreChannel Partner/ Reseller/ DistributorNetwork of accredited medical specialists, hospitals, and healthcare professionals who provide medical services to Pacific Cross insured members. The no-cash-outlay facility is enabled through these accredited providers.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Maxicare Healthcare Corporation: One of the largest HMO/health insurance providers in the Philippines offering group and individual health plans, prepaid cards, and corporate accounts. Directly competes with Pacific Cross on individual/family medical plans, group health, and ASO/TPA services in the Philippines.
• Intellicare (Asalus Corporation): Filipino HMO providing individual, group and corporate health maintenance programs and TPA services. Overlaps with Pacific Cross across individual plans, small-business group coverage, and ASO administration.
• Medicard Philippines: Established Philippine HMO/health insurance provider with individual, family, and corporate plans and an accredited provider network. Competes head-to-head with Pacific Cross on Peso and USD medical plans and corporate group health accounts.
• Blue Cross Insurance Philippines: Philippine insurance company offering individual and group health, travel and personal accident plans. Overlapping product mix and similar target segments make it a close functional peer to Pacific Cross's medical, travel and PA lines.

Broad incumbents

• Sun Life Philippines (Sun Life of Canada Philippines): One of the Philippines' largest life insurers with health riders, group benefits and accident coverage. Competes with Pacific Cross on group health, accident and personal accident offerings for SMB and corporate segments.
• Etiqa Life and General Insurance Philippines: Philippine subsidiary of Malaysian insurance group Etiqa offering life, health, travel and personal accident coverage. Broader incumbent competing with Pacific Cross on individual/family health and travel products.
• Paramount Life & General Insurance Corporation (PLGIC): Parent acquirer of Pacific Cross's insurance portfolio and a 75+ year Philippine life and general insurer. Operates a wider product portfolio (life, accident, traditional health) under which the Pacific Cross brand is now distributed.
• Insular Life (InLife): Filipino mutual life insurer offering individual life, accident and health-linked products. Overlaps with Pacific Cross on PA and accident/health riders in the Philippine market.
• MSIG Philippines: Philippine subsidiary of MS&AD Insurance Group offering travel, accident and health-related lines. Competes with Pacific Cross's Worldwide Elite, Schengen-eligible travel plans and personal accident products.

Regional players

• Health Maintenance Inc. (HMI) - Philippines: Philippine-based HMO focused on individual/family health cards with prepaid sachets and group plans. Closely comparable to Pacific Cross's prepaid Select range (Select ER, Assist, DengueGuard, COVID-19 Care) and HMO-style individual plans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@PacificCrossPhilippines
• Facebookfacebook.com/PacificCrossPH
• LinkedInlinkedin.com/company/pacific-cross-philippines
• Instagraminstagram.com/pacificcrossphofficial
• TikToktiktok.com/@pacificcrossph

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Cross Insurance