Health & Wellness Best Posts in Thread: PhilHealth

Yes, that is correct. The problem is that the promissory note must be backed by real estate or something else that is valuable enough to pay the bill as collateral. The hospital need not accept anything less. It is strange because expats cannot own land but I suppose they would accept a condo as collateral or something else of extremely high value. Many expats are renters and those with large bank accounts would simply pay anyway. We like to think of a promissory note as a simple promise to pay, but no, this is a notarized legal document that includes collateral that will cover non-payment. And, of course, expats SHOULD pay the bill. What 1st world expat would intentionally go to a hospital and wrack up P2 million and try to screw them out if their money? (Perhaps too many). But that is what you need to insure for for say a heart valve replacement. For 70+ you had better set aside some self insurance. Either that or be govt insured in your home country and be healthy enough to go home for the longer term treatment (heart bypass, other non-emergency surgery).


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Exactly. And land title, vehicle title...ok. But for my passport they would have to “pry it from my cold, dead hands” (Charlton Heston) lol. I would never surrender my passport to anybody but a country immigration official or the US embassy. I believe US law makes it illegal to transfer possession to an unapproved third party. I may show it during hotel check-ins and currency conversions and the like but nobody other than the above gets to hold it. If the police take it, report the theft to your embassy. They may cancel it and issue you a new one. I wonder if one could do the same in the hospital scenario. There is one purpose of a passport: To travel across borders. Using it as collateral to guarantee payment is not a recognized purpose.


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Thank you Glenda. I didn’t mention coverage age is 70. Frankly I’m not even sure if private insurance is worth it for expats 70 and above if they can get it, not sure if they can. The max coverage limits are so low for all expat plans, not sure if clients even notice that, and they only pay you AFTER you settle with the hospital. Perhaps it is best for expat seniors 70 and above to self insure as high as possible, not sure but thanks for looking into the Phil Health situation. Maybe Phil health coverage is necessary, not so much for compensation but only to get expats admitted to the hospital. But if you don’t pay when leaving, they will keep you on premise until you pay and private insurance plans are not useful in that regard!


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