Check also if they are paying the hospital directly or if you have to pay in advance and then get the refund back. Later option is really bad if the hospital costs is extremly high. I heard of a case where someone died because he was not able to pay in advance for a multimillion treatment even being having a health insurance with enough cover for it. Get a health insurance which pays the hospital directly even if that one costs more premium.

 

Then there is the Caritas Health Shield. But it looks not that great to me. Best used in conjunction together with Philhealth.