Philosophical 11

Greetings,

As you probably know, Phil Health subscriptions is going to be raised from 200 php pm to 15 -17k per month. This is for foreigners on a tourist visa but may well be different for those on SRRV or 13a.

This for me is too expensive for the limited cover that is provided under the scheme but I am fortunate enough to have recently paid for annual subscription. I will need to look elsewhere for an alternative plan which although may not be cheaper but hopefully will provide better cover for the money even though I may have to pay extra. If push comes to shove, I might consider putting the 15 - 17k pm into a special account to pay for any medical care. After one year this equates to 180k @ 15k pm. Better in my pocket than theirs. Fortunately, I have credit cards for emergencies.

So with all this in mind, I wonder what other ex-pats think and perhaps recommend suitable health/medical insurance companies.

Keep well

Pete

Philosophical 11

Correction to my post:

It is 15 - 17k per annum.

Apologies!

Regards

Pete

quiltman

Hi Pete, yes I saw this. Will be 15K for me and 'er as we are on the SRRV. A heck of a rise, but still good value especially for major problems.. So far as alternatives are concerned we have no choice as due to 'er indoors existing conditions plus our ages - I'm 74 she's 67 - you're talking at least $1000 a month!
I am told that if you are in good health, then AXA Philippines has some good plans - no personal experience, just comments on Facebook expats pages.
Here's the document;
https://www.philhealth.gov.ph/circul...c2017-0003.pdf
An interesting change is that the EXpat is no longer able to be listed as a dependant on their Filipina spouses Philhealth! However you can include her as your dependant.
I wonder what would happen if i just pop along to LBC in December and pay the 2400p for 2018. Bet I'd find out when it came time to pay the hospital bill!
I suspect part of the reason is that most expats are either retirees or near retirement age so are more likely to cost the system loads of pesos for various procedures.

David Mashael

I have just been quoted an annual premium of P162,000 for P1m cover, by AXA Philippines. I am 69.
https://www.axa.com.ph/health-protec...-health-access

quiltman

My problem David is my age. AXA only cover to 70 , plus my wife has multiple existing conditions so we will have to stick with Philhealth. At least it pays a proportion, quite large for something like a hip replacement.

mikemike

We will stick with Phil health for the wife and kids

I will just wing it

So far I have not spent any more than the new premium in a year so do not see any benefits........so far!! I will just accept my treatment does not get a discount, unless the lovely people in the hospital admin remain flexible )

Stokkevn

This just landed in my in-box, haven't tried for a quote or anything, might try tomorrow, could be worth a punt?

https://www.expatriatehealthcare.com/

Thairetired2016

Just tried. Year of birth ends with 1947. They want healthy youngsters who don't claim.

Stokkevn

Could be a chance for me being a 1955 model and never been to hospital and the last time I saw a doctor was in 2008 and before that 1982. Hopefully they take that into consideration.

Stokkevn

No extra points for being healthy, P265,000pa with E500 excess.

Thairetired2016

I have an outpatient policy with a British insurer. It is a group policy offered by a Thai company (Foreign managed). They also cover Philippines I read in a newsletter today. If you are interested I can let you have contact info. I have no business interest in this company, I'm just a happy subscriber paying approx. 1100$/year.

David Mashael

Kindly share a link.

Thanks,

Thairetired2016

Tel: (0066)-0844579084
Skype : scuba.1
www.tigonconsultancy.com<http://www.tigonconsultancy.com/>
Chap I'm dealing with is Steve Hockaday.