Dumaguete Info Search


PhilHealth

Discussion in 'Expat Section' started by aussieboy, Dec 11, 2020.

  1. Show Pony

    Show Pony DI Forum Patron Highly Rated Poster Showcase Reviewer

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    I think it changed a couple of years ago. Recently a hospital wouldn't recognize me as a dependent. My better half went to the main Phil Health office and got a document that stated I am covered. I've been a dependent for almost 10 yesrs. It is worthwhile to make sure you are listed as a dependent if eligible.
    My cousin was recently treated for covid19. Total bill 150,000 pesos. Phil Health paid 120,000 pesos.
     
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  2. jimeve

    jimeve DI Forum Luminary Highly Rated Poster Showcase Reviewer Veteran Army

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    I know it changed in July 2017, but that's not the argument. I had Dengue fever in March and was admitted to hospital and Philhealth paid some of the bill.

    Every January we pay the wife's PH and I ask them can I use my wife's policy. The reply yes you can, or you can have your own policy and pay 17k.
    So I just pay 2,400 and I'm covered. Maybe it will change in January. I will keep you updated when we pay the annual payment in January.
     
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  3. Jack Peterson

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

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    Had to delete because of Source
     
  4. djfinn6230

    djfinn6230 DI Senior Member

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    This time you may have to pay the 17k. I think the grandfathering ended this year but good luck.


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  5. Notmyrealname

    Notmyrealname DI Forum Luminary Highly Rated Poster Showcase Reviewer

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    Isn't the answer in the word 'foreigners'? And when did they think they need justify anything at all - especially where aliens are concerned.
     
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  6. cabb

    cabb DI Forum Patron ✤Forum Sponsor✤

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    Does PhilHealth only cover public hospitals? Would it cover treatment in Silliman or ACE?
     
  7. Rye83

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

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    I guess that's a thought...but is it the reason?
     
  8. djfinn6230

    djfinn6230 DI Senior Member

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    It does but it will pay less of the total bill because public hospitals charge much less. They will pay the same amount for a given procedure and hospital room charge no matter whether you are at Silliman or NOPH (I think NOPH may accept whatever Phil Health pays, however foreigners may prefer a private hospital).


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  9. djfinn6230

    djfinn6230 DI Senior Member

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    I think Phil Health, which is heavily subsidized by the federal government, is deemed a “right” for Filipino citizens. Foreigners actually subsidize it heavily too by out-of-proportion premiums and lower benefits. They do not give a justification for this so we can only speculate that they are looking for ways to relieve their serious budget shortfalls. The one reason I purchase it is because, if you have a Phil health card, the hospitals will not turn you away in an emergency due to lack of money. If you have a heart attack but do not happen to have the cash to pay for it in your wallet when you are brought to the emergency room , they supposedly will not have admit you without someone else having to get the money for you or somehow clear your credit card at admitting as you are left untreated in the meantime. That is the only reason I have it. My understanding is that they might cover up to 25% of the actual cost at a hospital like Silliman. If I were younger I frankly wouldn’t bother with it. And you still have to pay first before they let you leave; a security guard makes sure you have authorization. If you cannot come up with the cash or credit card payment they will allow you to sign a promissory note that requires you to put real estate up for collateral (but many do not have real estate, made more difficult because we cannot own land, only condos).


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  10. NowandThen

    NowandThen DI Member

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    Makes sense. 17000 Peso is OK. As you say, this is for emergencies. For the rest I found an european insurance that covers only accidents. In case I have another serious illness I fly back to my home country. As discussed already in this forum, if this is not possible I call it residual risk.

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