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Health & Wellness Philhealth for an expat?

Discussion in 'Businesses - Services - Products' started by AlwaysRt, Dec 2, 2016.

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  1. Brian Oinks

    Brian Oinks That's Mr. Pig to you Boy! :) Highly Rated Poster

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    I had a pop up on my Facebook for Health Insurance here in the Philippines (makes you wonder how-why when I have not searched for several months regards any health insurance) and during an online search regards the company mentioned, I found the following... I thought maybe some might find the following link helpful, it explains the top companies here as well as explains the difference between Life and Health covers...

    Frequently Asked Questions about Insurance Companies in the Philippines | Small Business Idear
     
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    Brian Oinks, Jun 4, 2017
    #41
  2. Princeton

    Princeton DI Member

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    Princeton, Jun 4, 2017
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  3. Princeton

    Princeton DI Member

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    In duma hosp writing this.Dont bother with Philhealth Ins as of june 2017.I have been a huge fan of Philhealth for years and have benefitted greatly having been in hosp 2x for kidney stones once in 2013 and again in 2016.I was amazed at 2400p yearly premium and in 2 shortish hosp stays Philhealth paid together over 35000p of my hospital bills...fantastic value indeed!Well sadly all has changed drastically and imho is no longer worth bothering with.Premiums now 18000p yearly which still sounds very cheap right?Except now instead of paying a percentage of your bill they have "Case Rates"...X pesos per condition per hospitalization....and the new case rates are VERY low. IE...I am currently in hospital for a moderate heart attack..current bill sitting at approx 150k...Case Rate is max 18900p.Was a great deal before...now I think just putting aside a rainy day fund of 1500p a month is a wiser choice and every healthy year u have you are even further ahead.Just my recent experience and I know I will not be opting for the new premium and case rate system once I get out of hospital. Good health all
     
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    Princeton, Jun 4, 2017
    #43
  4. Brian Oinks

    Brian Oinks That's Mr. Pig to you Boy! :) Highly Rated Poster

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    Thank you for sharing your experience, I hope you are soon well and back on your feet, certainly makes one think about alternatives if there are any...
     
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    Brian Oinks, Jun 4, 2017
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  5. Dr. Shiva

    Dr. Shiva DI Senior Member

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    Not only that foreigners are getting less from PhilHealth per case. PhilHealth excludes foreigners also from many more expensive treatments. Ex everything in the Z-Benefits packet will not be paid if the insured person is a foreigner.
     
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    Dr. Shiva, Jun 4, 2017
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  6. Brian Oinks

    Brian Oinks That's Mr. Pig to you Boy! :) Highly Rated Poster

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    Was looking up Blue Cross online (I remember someone else suggesting it on this forum) and found the following, looks like they are off my list also...


    Private Health Insurance for Expats in the Philippines​
    "Blue Cross Philippines, not associated with BC USA, seems a good one. However, rates rise sharply after 65 and do not cover previously existing conditions. They have both dollar and peso plans at several levels of coverage. The 'previous condition' caveat leaves most of us retirees out in the cold because it refers to conditions which existed before the policy is signed WHETHER OR NOT THEY WERE KNOWN. That exemption covers a lot of territory. Think cardiac conditions and cancer," warned one expat in a discussion about medical insurance in the Philippines.

    "If you have a serious health condition most insurance companies will not cover you. Healthcare for smaller complaints as said is cheap but for major ops and illnesses it can be crippling expensive. I have friend who could not get insurance because of a bad back injury, he lived here 4 years developed a heart condition, the hospital said he needed a bypass op 800,000 pesos, he said I will go home bit they said he couldn't fly. He booked a flight went back to UK got free accommodation over 60 went to doctors was told his heart was bad but did not need a bypass at all. He is on medication for heart problems also Parkinson's disease and diabetes. Being treated for free. Philippines is great as long as you have a fair income and good health," explained one expat.

    9 Healthcare & Health Insurance Tips for Expats in the Philippines
     
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    Brian Oinks, Jun 4, 2017
    #46
  7. jimeve

    jimeve DI Forum Luminary Highly Rated Poster Showcase Reviewer Veteran Army

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    Don't know how he managed that Brian. 4 years out of the country then got free house and health.
     
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    jimeve, Jun 5, 2017
    #47
  8. Brian Oinks

    Brian Oinks That's Mr. Pig to you Boy! :) Highly Rated Poster

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    I do not understand either mate, when I left Oz my Medicare was cancelled, I was told that was what I had to do, but speaking with a few other Aussies here, I have been told they return to gain medical treatment and medication on concession. I assumed I was doing the right thing following protocol but was told I shouldn't have cancelled my Medicare cover (Govt. subsidised Healthcare) Like anything, people will find a way around the process if it holds benefits for them...
     
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    Brian Oinks, Jun 5, 2017
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  9. Charlie

    Charlie DI Senior Member Restricted Account Veteran Coast Guard

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    This was our experience as of today 06/15/2017.
    This is how it went for me today at Phil Health when I inquired about the new program for foreigners.

    First off I am a 13A permanent resident.

    I have thus far been listed as dependent under my wife's coverage her being the member.

    I was advised to sign up today as me being a member and paying P1800 at the old rate(starting with the 2nd quarter) that will give me coverage at the old "rate until Jan. 2018. This had to be done before July 1st otherwise the new P17,000 a year rate would apply for July thru December (P8,500 for those 6 months). So instead of paying P8500 for 6 months coverage it only cost me P1800. So now I am a member under my own name and come Jan.1018 or anytime in the 1st quarter of 2018 I then have to pay the P17,000 a year rate.

    So depending on when you do this under your own name will determine if you pay the new rate starting July 1st. 2017 or not until Jan.1st 2018. It's not a bunch but it saved me P6,700 for the balance of this year anyhow. That will buy a few lunches/dinners.

    Also in our case the wife's parents were also dependents under her name. But her parents cannot be dependents under the policy in my name. The wife can be my dependent if we choose to. But we will continue her own membership so her parents will be covered under her membership.

    So now I have to pay P17,000 a year for my membership and P2400 a year for her membership.

    So the way I see it if you are currently covered as a dependent under your wife's membership and not your own name you need to go sign up before July 1st under your own name so you can pay the old rate for the balance of this year.

    So if you are a SRRV type or PRA or whatever it is called, yours is only P15,000 a year.

    That's about all I can tell you. They didn't have any set in stone answers about anything else as that could change again by Jan. 2018, so they are only going by the directives they have as of today.

    But my basic point is that the new rate ( of P17,000 a year) for someone like me takes effect July 1st 2017, not Jan. 1st 2018, unless you do as I did and sign up as a member under your own name before July 1st 2017.
    Also I needed a copy of the front and back of my ACR-I card which fortunately I just happened to have a copy in my wallet. Also a 1x1 picture will be required. ( Which I also happened to have).
    I had my new Phil Health card and was out of there in just a little over an hour. Took the picture and the new card and had it laminated as required. It cost P15 to have it laminated. So I am all set until Jan. 2018.

    Hopefully that makes some sense to you.

    Best regards,

    Charlie
     
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    Last edited: Jun 15, 2017
    Charlie, Jun 15, 2017
    #49
  10. DavyL200

    DavyL200 DI Forum Luminary ★ Global Mod ★ ★ Moderator ★ Highly Rated Poster Showcase Reviewer

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    I will not be bothering to re sign up with this bullshit!
     
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    DavyL200, Jun 15, 2017
    #50
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