Healthcare Insurance in Phils.

[IainBusby]

Hi Folks,
Have any of the forumers here ever taken out or paid for (Philippines) healthcare insurance for family members in Phils. I just wanted to get some info about it, how much it would cost and the benefits etc.

If I were to get into this sort of thing in any way, It would have to be on the basis that I would pay the premiums directly to the insurance provider, but I don't know if this would be possible. I really wouldn't like to hand over hard earned money for this purpose only to possibly find out later (if or when an illness or accident occured) that the money had been spent on something else.

Iain.

[Northerner]

Hmmm. Never considered this, interesting post

[IainBusby]

Hmmm. Never considered this, interesting post

I've had a look at the Philheath wesite, but it's quite confusing.

[LEAHnew]

I've had a look at the Philheath wesite, but it's quite confusing.

HI Iain I am a member of Philhealth Insurance in the Philippines, It's quite helpful coz it's just only small percentage deducted to my hospital bills. (Approx. 20-25%)it cost 100 pesos a month and I am paying quarterly (well not this time my Dad maintain it).There are some acceredited banks that collects the payment but I'm not sure if you can do it online or by money transfer because there is a form to filled up it's a Phil government system so I guess not that much techy. You can check the self individually paying on the PHilhealth website

In addition there are private insurance as well such as Fortune Life, Ayala Insurance and a lot more, but I haven't try any of them because they are private company and I am afraid they might be close due for economic crisis.

[IainBusby]

HI Iain I am a member of Philhealth Insurance in the Philippines, It's quite helpful coz it's just only small percentage deducted to my hospital bills. (Approx. 20-25%)it cost 100 pesos a month and I am paying quarterly (well not this time my Dad maintain it).There are some acceredited banks that collects the payment but I'm not sure if you can do it online or by money transfer because there is a form to filled up it's a Phil government system so I guess not that much techy. You can check the self individually paying on the PHilhealth website

In addition there are private insurance as well such as Fortune Life, Ayala Insurance and a lot more, but I haven't try any of them because they are private company and I am afraid they might be close due for economic crisis.

Hi Leah,
I managed to send an email to Philhealth asking if it was possible for me to do this and if so how could I go about it. I'll wait and see what they say. When you say "it's just only small percentage deducted to my hospital bills. (Approx. 20-25%)" do you mean that you still have to pay 75% of the cost of the hospital treatment yourself?

Iain.

[Mrs.JMajor]

When you say "it's just only small percentage deducted to my hospital bills. (Approx. 20-25%)" do you mean that you still have to pay 75% of the cost of the hospital treatment yourself?

Iain.

Definitely Iain, I am a member when I gave birth to Jed, bill was 24k in private hospital, but accredited by Philhealth and I still pay 18k

[jencha8569]

Hi Leah,
I managed to send an email to Philhealth asking if it was possible for me to do this and if so how could I go about it. I'll wait and see what they say. When you say "it's just only small percentage deducted to my hospital bills. (Approx. 20-25%)" do you mean that you still have to pay 75% of the cost of the hospital treatment yourself?

Iain.

Hi Iain
The advantage of Philhealth is its only small pay, as what ate leah said if ur self employed/individually paying its only 100 a month 300 quarterly. Hospital deduction varies to situations, at most its 50% plus but it differs when it comes to the diagnosis of the doctor. If example illness is not yet detected but will use lab tests that are not necessarily needed by the final diagnosis its more or less 30% will be covered by philhealth plus there are meds that are not covered by philhealth. My sister payed for 6 mos only but she had used it twice one was deducted 30% and other is more than 50%. Important is to really know what is the patients illness and to just use lab tests that are needed. There are some hospitals who asks deposit first before admitting the patient but some dont and some accepts installments. I think there is good and bad side anywhere, anything and everything. Yes, ustill have to pay the remaining balance after deduction is made plus maintenance meds, then after follow up check ups Correct me if im wrong if my input is not right im talking based on personal experience.
Having health insurance is good just shame even if its not expensive mostly here do not have coz even to buy rice its a struggle which makes me feel abit upset. Health is very important
I must add also that if ur using the philhealth benefit for giving birth you should have at least paid for a year.

[britishdetained]

Hi Folks,
Have any of the forumers here ever taken out or paid for (Philippines) healthcare insurance for family members in Phils. I just wanted to get some info about it, how much it would cost and the benefits etc.

If I were to get into this sort of thing in any way, It would have to be on the basis that I would pay the premiums directly to the insurance provider, but I don't know if this would be possible. I really wouldn't like to hand over hard earned money for this purpose only to possibly find out later (if or when an illness or accident occured) that the money had been spent on something else.

Iain.

try to look at AIG website,

[IainBusby]

try to look at AIG website,

I tried to have a look for them, but because AIG is a multinational company, I can't seem to find a website for them in Phils.
Cheers,
Iain.

[britishdetained]

I tried to have a look for them, but because AIG is a multinational company, I can't seem to find a website for them in Phils.
Cheers,
Iain.

it is under the umbrella of Phiamlife I think you may also look for ProUK

[IainBusby]

it is under the umbrella of Phiamlife I think you may also look for ProUK

Cheers, I'll try to check them out.

Iain.

[Northerner]

So how much is full coverage in the phils? I'm talking NHS style coverage..

[britishdetained]

Cheers, I'll try to check them out.

Iain.

http://www.ephilam.com/index.html hope this will help

[Sophie]

I tried to have a look for them, but because AIG is a multinational company, I can't seem to find a website for them in Phils.
Cheers,
Iain.

Hi Iain, you can try looking into Philamcare....they were really good back then, not sure now though if they're still as good as they used to be....
I used to work at Philam Insurance before (few years ago, lol) which is under AIG.....
AIG in the philippines consist of the following - Philam life Insurance, Philam Insurance (non-life), Philam plans, Philam care and Philam Bank.

[JimOttley]

Hi Folks,
Have any of the forumers here ever taken out or paid for (Philippines) healthcare insurance for family members in Phils. I just wanted to get some info about it, how much it would cost and the benefits etc.

If I were to get into this sort of thing in any way, It would have to be on the basis that I would pay the premiums directly to the insurance provider, but I don't know if this would be possible. I really wouldn't like to hand over hard earned money for this purpose only to possibly find out later (if or when an illness or accident occured) that the money had been spent on something else.

Iain.

http://www.bluecross.com.ph/index.php?id=medical

I thought this was a good service Iain, they accepted my paying by credit card but I did that in person at the office on the boundary of Mandaluong and Makati.

I wish I had been able to keep it up for Ana but she really did not want it.

Oh and it was one of the lower end peso plans not the dollar plans.


Jim

[fred]

Any one living here should avail of Philhealth.. its 1500PHP a year which covers all listed family members.. My bro in law says he got 50% off his private hospital bill a few weeks back.
Thumbs up to GMA for giving us Philhealth!!

[Northerner]

Any one living here should avail of Philhealth.. its 1500PHP a year which covers all listed family members.. My bro in law says he got 50% off his private hospital bill a few weeks back.
Thumbs up to GMA for giving us Philhealth!!

Nice to know that Fred And now that I know your online, it is clearly too late for me to stay online

[fred]

Nice to know that Fred And now that I know your online, it is clearly too late for me to stay online

[eagles]

the Philhealth pays up to 30% of medical/confinement cost depending on the cases and you should have paid at least 3 months of premium prior to the quarter of availment. Insurance companies in the phils that i have tried were of prudential life health insurance,intellicare ( multi national companies in the phils uses the intellicare health insurance) ..

[vbkelly]

try caritas health insurance

[Stuana]

No to Philamcare and Intellicare,you'll just be wasting your money with these companies.