I know the topic of Medical Insurance has been covered over and over in terms of Philhealth, 3rd party options, etc, however I have a very specific question. Is anyone aware of any type of Private insurance carrier that will charge you either a monthly or yearly premium but will cover EITHER A) Outpatient Visits, AND/ OR B) Medications. The main reason I ask this is because I am on a variety of very expensive medications due to a serious head trauma related incident and to cover my medicine monthly out of pocket really adds up. I mean 1 of my medicines alone costs around 250 PER Tablet. I am supposed to be taking 1 a day. So in this scenario I would be open to consider some type of insurance provider either locally or a reputable company out of the country that would reimburse me for Prescriptions and possibly any out-patient office visits I may have. I typically only have a couple of outpatient visits a month so covering that out of pocket isn't a big deal but the prescriptions when added all together gets to be pretty ridiculously high. Thanks
No insurance will cover your pre existing health problems. There are good local health insurance like Pacific Cross Pacific Cross Insurance Company Limited
I'm sure there is one out there that would cover pre-existing health problems. Although the cost of coverage would likely cost more than just paying out of pocket.
Try to look at this site: Pacific Prime | Simplifying Health Insurance you just need to fill up the form base on your concern and they will contact you. You can ask them about your meds.
I am sure also that a local Hospital/Medical Center here in Dumaguete has a Private Insurance that covers pre-existing conditions, was posted on one of the many Philhealth threads that are on here...
Yes, Pacific Cross has a pretty good reputation in the Philippines afaik, however, the link you gave is for their sister company in Hong Kong. The correct link for the Philippines is Pacific Cross
I didn't see any prescription medicine coverage on the Pacific Cross website, but I may have overlooked it?
I found the link I mentioned earlier (Caritas Health Shield Inc.) could not see anything regards Prescription Meds, but it does cover pre-existing conditions; Health & Wellness - medical insurance
