Dumaguete Info Search


Best Posts in Thread: found good health insurance

  1. filmguy

    filmguy DI Junior Member

    Messages:
    44
    Trophy Points:
    83
    Ratings:
    +76 / -0
    Blood Type:
    A+
    its called pacific cross. its cheap by our standards and depends on your age. they pay 100% of all health related bills including med avac to st. lukes in manila. there office is catty corner to silliman hospital they used to be called blue cross now they are are called pacific cross. just thought this might be helpful info.
     
    • Informative Informative x 8
  2. cabb

    cabb DI Forum Patron ✤Forum Sponsor✤

    Messages:
    1,022
    Trophy Points:
    226
    Ratings:
    +741 / -0
    Looks like they have 8 plans, which one did you get?

    http://www.pacificcross.com.ph/#medical

    Edit: Here is a chart for the top plan. The difference between standard and major is that some of the limits double.

    Screen Shot 2019-04-17 at 2.01.32 PM.png
     
    • Informative Informative x 3
    Last edited: Apr 18, 2019
  3. cabb

    cabb DI Forum Patron ✤Forum Sponsor✤

    Messages:
    1,022
    Trophy Points:
    226
    Ratings:
    +741 / -0
    People should have a look at the link below before making assumptions about cost and benefits. I'm not saying it's good or bad, but it's much better than how it has been characterized. I would think most people could get by with major plan, so that's less than half the 10k mentioned above. $3800 US gets you up to $250000 US of coverage per event at 70 years old. In addition, if you are willing to take on a deductible, the premium is further reduced. Do your homework.

    http://www.pacificcross.com.ph/PCWS...180801123518Blue Royale Premier_2018-7-11.pdf
     
    • Like Like x 1
    • Informative Informative x 1
  4. furriner

    furriner DI Forum Adept Restricted Account

    Messages:
    412
    Trophy Points:
    91
    Ratings:
    +337 / -10
    $10,000 per year? They must be assuming all 70 year olds will get a heart bypass. No way. Nobody ever mentions the coverage the companies give because I think most people don’t ask, but, whenever I checked, it was always around P300K to P1M. $10000 will cover a major procedure by itself as self-insurance. Considering Philippine medical costs, this is a very bad deal. Locals get Phil health and are out of the equation. Foreigner Phil health does not cover major health conditions and subsidizes the locals who are covered for major procedures by charging us $15000 per person per year for very low coverage. Locals pay Phil health about $40 per year for better coverage. I recommend getting the overpriced Phil health anyway as it gets you into the hospital fir emergency treatment. Then, make sure you can afford business class airfare to go home and let your national health insurance cover you (like for a heart bypass or cancer treatments etc.). I say business class because it is a very good way to travel if you are not in perfect health. I would never consider any of those rip off policies here. Another problem is that 65+ policies all seem to pay the insured directly, only AFTER you settle with the hospital. That is useless because the hospital will demand payment on the spot and will hold you hostage in the hospital until you settle. So you still must self-insure and pay up and HOPE your insurance company pays up later. there is no insurance commission here to make sure you are treated fairly. If you don’t have the money to settle, then you must issue a promissory note in accordance with the law, note HOWEVER that the note must be backed by a like amount in real estate as collateral which is interesting since non-citizens cannot own real estate. I cannot say for sure but I suspect the $10000 policy covers only about P 1000000 which is not worth it. As for affordability, expats who receive only min SSA pension as their only income would be paying their full pension in insurance with nothing left to live on. I would say, keep up with your payments or whatever it takes to be covered by your national health insurance program (like Medicare B plus medigap). For most of us, medical care back home for major procedures is much higher in quality. And it only takes less than a day to get back to the homeland.


    Sent from my iPhone using Tapatalk
     
    • Like Like x 2