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Health & Wellness Best Posts in Thread: Philhealth for an expat?

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  1. PatO

    PatO DI Forum Luminary Highly Rated Poster Showcase Reviewer Veteran Marines

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    Initially I thought foreigners are getting screwed over but when I thought about I think it may be because the majority of foreigners coming here are older and with age comes illnesss (i.e. my stroke) and thus more hospitalization than the younger majority of locals. We are lucky to get some insurance coverage even at a higher rate.
     
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    PatO, Mar 8, 2017
    #34
  2. DavyL200

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

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    For an extra 4-5k you can get full cover with blue cross,and they pay 100% of all hospital bills.
     
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    DavyL200, Mar 2, 2017
    #26
  3. Jack Peterson

    Jack Peterson DI Forum Luminary Highly Rated Poster SC Connoisseur Veteran Air Force

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    Azon and the Company Secretary of her company are going to Philhealth Tomorrow to get to the bottom of this. Breaking existing Contracts should be illegal here for no good reason but greed. But......:banghead:
     
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    Jack Peterson, Mar 1, 2017
    #23
  4. DavyL200

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

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    April 16, 2016 03:59 AM

    THE PHILIPPINE Health Insurance Corp. (PhilHealth) recommended a minimum number of days of confinement for members and dependents who are admitted for Acute Gastroenteritis (AGE) or Diarrhea, Community Acquired Pneumonia (CAP) and Urinary Tract Infection (UTI), three of the leading illnesses in claims reimbursement.

    “We (PhilHealth) shall deny claims of less than the recommended minimum length of hospital stay set by PhilHealth,” said Lourdes F. Diocson, regional vice-president for PhilHealth VI.

    PhilHealth translated the Clinical Practice Guidelines (CPG) into policy statements in defining, diagnosing and managing the treatment of PhilHealth members who are confined for AGE Pneumonia and UTI.

    These policy statements shall serve as guidance to hospitals, medical professionals and members as to what tests and medicines shall be given to PhilHealth members and their dependents who are suffering from the said illnesses.

    According to the recent circulars released by PhilHealth, patients suffering from moderate to severe diarrhea should at least have 3 days (72 hours) of hospital stay and those suffering from pneumonia should at least have 4 days (96 hours) confinement with at least three (3) days of IV antibiotics.

    Meanwhile, only patients suffering from moderate and high-risk pneumonia can be reimbursed by PhilHealth and hospital stay may be extended for patients suffering from high-risk pneumonia.

    UTI cases, on the other hand, are admissible when patient is unable to accept oral medication and that the condition requires need for IV treatment and close observation due to potential complications.

    “The required hospital stay for UTI is at least four (4) days or 96 hours to provide sufficient time for our members/dependents to respond to the recommended therapy,” Diocson said.

    Under the All Case Rate payment scheme of PhilHealth, the package rate for AGE is P6,000; UTI ranges from P6,900 to P12,700; and a benefit package of P15,000 for Moderate Risk Pneumonia and P32,000 for High Risk Pneumonia.


    “It is of vital importance for our members to be aware of these policies, otherwise, PhilHealth will not reimburse them,” Diocson said. (PRO-6/Public Affairs Unit) PHILHEALTH LIMIT: Minimum confinement days for members with common illnesses set
     
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    DavyL200, Dec 5, 2016
    #14
  5. AlwaysRt

    AlwaysRt DI Forum Patron Highly Rated Poster Blood Donor Veteran Air Force Marines

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    My primary reason for getting it had lees to do with getting reimbursed and more to do with prearranged pricing giving me 'kanu proof' pricing. Second, at $4/mo why not? If something happens and they find my card I will get some kind of care.
     
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    AlwaysRt, Dec 3, 2016
    #3
  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. 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
    #44
  8. KINGCOLE

    KINGCOLE DI Senior Member Highly Rated Poster

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    As from the 1st July 2017, expats will no longer be covered under their spouses Philhealth Plan which are taken out or renewed after that date, this also applies to all other expats whom have the present low premium Philhealth cover. The new rates will be P15,000 0r P17,000 depending on which visa you hold. My understanding, is that your spouse and dependants ( < 21 ) would be covered under your plan.If you do not have Philhealth at the moment and are pondering, I would suggest you get it now, as you will have a year before you pay the higher rate. See attached PDF

    Request Rejected
     
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    Last edited: Mar 11, 2017
    KINGCOLE, Mar 11, 2017
    #39
  9. DavyL200

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

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    A lot of the Drs in there don't agree with how the admin runs things,the Drs mostly are ok but the admin are just! I'm sure you know what I mean.
     
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    DavyL200, Dec 5, 2016
    #11
  10. Jack Peterson

    Jack Peterson DI Forum Luminary Highly Rated Poster SC Connoisseur Veteran Air Force

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    Just Got the MIL home again from SUMC. Not happy at all, Phil Health have now Changed the System. Apparently, they are now using an illness guide ie; For LBC and Gastric problems you have to be confined to 76 hours to avail of the Insurance. Other problems have a time factor now in Force so please be enlightened a One Night or 24 hours in House (So to speak) may Not be covered :facepalm:
     
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    Jack Peterson, Dec 4, 2016
    #7
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