Healthcare Insurance in Phils.

[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.

[IainBusby]

I think Philhealth is very confusing with the variations in what percentage of the cost they will actually cover. I'm waiting for a reply from them and I will see if I can get a more of an understanding of what they do and don't cover and why in different cases they seem to pay out different percentages of the total bill.
Iain.

[jencha8569]

I think Philhealth is very confusing with the variations in what percentage of the cost they will actually cover. I'm waiting for a reply from them and I will see if I can get a more of an understanding of what they do and don't cover and why in different cases they seem to pay out different percentages of the total bill.
Iain.

I myself is confused too everytime we using philhealth benefits i do hope no more of it
I have here the copy of computations but im more confused with it

[miss.piggy]

Have you checked on Medicard, Iain? My friend and her family is using Medicard and it seems to be very helpful even on check-ups. I think it's just important that you check if they have any accredited hospitals or dental clinics at your family's area to ensure accessibility when you need them.

http://www.medicardphils.com/

[IainBusby]

Have you checked on Medicard, Iain? My friend and her family is using Medicard and it seems to be very helpful even on check-ups. I think it's just important that you check if they have any accredited hospitals or dental clinics at your family's area to ensure accessibility when you need them.

http://www.medicardphils.com/

Thank's Miss Piggy, I'll check that out.

[Sophie]

Have you checked on Medicard, Iain? My friend and her family is using Medicard and it seems to be very helpful even on check-ups. I think it's just important that you check if they have any accredited hospitals or dental clinics at your family's area to ensure accessibility when you need them.

http://www.medicardphils.com/

medicard is also good, my mom is on this one actually