I have Bupa Worldwide Gold, and that covers all the best hospitals in Manila including St Lukes and Manila Doctors Hospital, but doesn't cover any facilities in Cebu.
Some of the good travel insurance policies include health insurance, and that is worth doing a bit of research, and in fact Bupa have a travel insurance policy.
General treatment is also very cheap in the Philippines and can be to a very good standard, if you need any dental treatment, get it done in the Philippines :-)
