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Tourist Visa 3 year tourist limitation

Discussion in 'Passports and Visas' started by Dutchie, Jun 23, 2021.

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  1. Rye83

    Rye83 with pastrami Admin Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    It is required for new incoming tourists. They don't seem to be requiring it for extension...yet.
     
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    Rye83, Mar 10, 2022
    #81
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    Dutchie

    Dutchie DI Senior Member Showcase Reviewer Veteran Army

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    The USSC offer is for non-senior Filipino's only. Coverage is as you would expect here, minimal.
     
    Dutchie, Mar 10, 2022
    #82
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    Dutchie

    Dutchie DI Senior Member Showcase Reviewer Veteran Army

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    Well, I won't be surprised at all if they will start doing just that. Adds one more reason to get a 13a rather than staying here long term as a tourist.
     
    Dutchie, Mar 10, 2022
    #83
  4. Rye83

    Rye83 with pastrami Admin Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    Health insurance is a good idea to have in a country with a for-profit healthcare system, regardless of your visa status.
     
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    Rye83, Mar 11, 2022
    #84
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    Dutchie

    Dutchie DI Senior Member Showcase Reviewer Veteran Army

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    Yes, excellent idea even, as long as you're young and healthy, and if there was a compulsory system where risks are shared among good and bad risks (young and old people mainly), like there is in The Netherlands, then for sure I'd have insurance here also. However, in most of the world there isn't a system like that, so we get to deal with what's shown below.
    As an example, these are the insurance rates from Pacific Cross
    upload_2022-3-11_16-47-4.png
    It might be obvious that once you get older, let's say 70+, it's pretty much a no go (prohibitively expensive).

    So my plan is simple, if some medical procedure becomes necessary that I can't afford, then if I can still travel (so if it's not deadly urgent) I'll hop on a plane to The Netherlands and get treatment there.
    If it is deadly urgent and I can't afford, then I'll do the same thing Filipino's do in such cases, die.
    In all other cases I'll pay medical expenses out of pocket (like last year's broken leg).
     
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    Last edited: Mar 11, 2022
    Dutchie, Mar 11, 2022
    #85
  6. Rye83

    Rye83 with pastrami Admin Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    Credit cards issued in your home country with high limits are an alternative to insurance for the elderly in the Philippines. Just run up the debt towards the end of your life and make the minimum monthly payments. What are they going to do after you die, navigate the courts in a foreign 3rd world country to come after property that was never legally in your name?
     
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    Rye83, Mar 11, 2022
    #86
  7. charlyB

    charlyB DI Senior Member

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    I would have no shame in using Rye's suggestion if i was in a desperate medical situation, i have never paid interest to any of the credit card companies i have used over the years and always pay off the full balance by direct debit every month but if you were to have debt with them the interest rate is so high you would be better borrowing from the mafia.
     
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    charlyB, Mar 12, 2022
    #87
  8. Rye83

    Rye83 with pastrami Admin Secured Account Highly Rated Poster SC Connoisseur Veteran Army

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    It would be an incredibly stupid thing for a younger person to do (or even a person expecting to live longer than 5 years) but if you are towards the end of your life the interest rate doesn't really matter. Towards the end of my life I would just be looking at it purely in monthly expenses. You could pay upwards of $1000 per month for decades in insurance premiums and never get anything out of it if you don't get sick or you could only pay the credit card company $200 to $700 per month when you are actually sick with a few years left to live. I certainly wouldn't be concerned with the interest rate since it could take 30+ years to pay off a $20k credit card debt if only paying the minimum payment. I would never get anywhere close to paying that off. I would likely end up getting a discount on the medical expenses charged to the card towards the end of my life.

    Note: I'm not sure if credit card companies are wise to this tactic. Would need to read the fine print. If they increase the percentage of the balance you need to pay for the minimum payment or lower your limit as you get older that may make this less feasible.
     
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    Rye83, Mar 12, 2022
    #88
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