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Health and Medical Insurance in the Philippines

Health and Medical Insurance in the Philippines

Old Feb 23rd 2017, 12:55 pm
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Default Health and Medical Insurance in the Philippines

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
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Old Feb 23rd 2017, 4:56 pm
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Default Re: Health and Medical Insurance in the Philippines

Correction to my post:

It is 15 - 17k per annum.

Apologies!

Regards

Pete
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Old Feb 23rd 2017, 6:49 pm
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Default Re: Health and Medical Insurance in the Philippines

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.
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Old Feb 24th 2017, 9:23 pm
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Default Re: Health and Medical Insurance in the Philippines

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
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Old Feb 25th 2017, 3:11 pm
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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.
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Old Feb 25th 2017, 4:44 pm
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Default Re: Health and Medical Insurance in the Philippines

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 )
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Old Feb 28th 2017, 11:27 pm
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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/
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Old Feb 28th 2017, 11:49 pm
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Default Re: Health and Medical Insurance in the Philippines

Originally Posted by 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/
Just tried. Year of birth ends with 1947. They want healthy youngsters who don't claim.
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Old Mar 1st 2017, 12:02 am
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Originally Posted by Thairetired2016
Just tried. Year of birth ends with 1947. They want healthy youngsters who don't claim.
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.
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Old Mar 1st 2017, 2:42 pm
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Originally Posted by 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.
No extra points for being healthy, P265,000pa with E500 excess.
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Old Mar 2nd 2017, 12:11 am
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Default Re: Health and Medical Insurance in the Philippines

Originally Posted by 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.
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.
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Old Mar 2nd 2017, 2:11 am
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Default Re: Health and Medical Insurance in the Philippines

Originally Posted by 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.
Kindly share a link.

Thanks,
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Old Mar 2nd 2017, 5:52 pm
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Originally Posted by David Mashael
Kindly share a link.

Thanks,
Tel: (0066)-0844579084
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