Funnily enough my missus was dealing with the same thing the other day.We were told by PhilHealth that as shes paying the premium and I/OUR children are dependant when in the Phils then she just continues paying the regular payment and we are still covered for any problems which arise.

She asked if it made a difference if we were merely on a 6 month holiday or if we were residing there and again Phil Health told her that as long as shes paying the monthly premium we remain covered.They did say that if she allowed it to lapse and then we needed covered(myself and dependants)that the higher premium would come in to effect.