I just recently wrote an article answering the question Is PhilHealth Worth It in 2016?. If you haven’t read it, you should, becuase everyone living in the Philippines, Filipino or foreigner ought to have PhilHealth coverage …. in my opinion.
But PhilHealth Likely Won’t Be All You Need.
- 0.0.1 Health Care Costs and Availability
- 0.0.2 And those already 65, or those who plan to live that long … or longer, will want to read this one
- 0.0.3 Health Insurance Quotes — Philippines
- 0.0.4 Live in the Philippines and Keep Your US health Insurance
- 0.0.5 Other Alternatives:
- 0.0.6 Is Your Poop Grouped?
- 1 And Here’s One Solution I Particularly Recommend:
Can’t talk about insurance in today’s environment without talking about other health insurance, with broader coverage, now can we?
I’ve actually written on this subject many times. here’s a couple of my best articles.
… As Americans we somehow have become attached to the idea that US health care is the “best in the world”. Well, it’s just fine to believe that the USA is “number one” in everything … but it isn’t always the fact of the matter.
First in the World — in Cost Only
Actually under current, independent assessments … like the rankings of the Word Health Organization .. the USA comes out a distant 37th or so in overall citizen health rankings. I’ve written about this before … one article worth reading comparing the US health care costs and Philippine health care costs is here. I attached an appropriate graphic, and further down a music video … it’s informative, funny and sad, all in one.
… Loss of Medicare and Living in the Philippines a Show-stopper?
Well, for years I thought it was a really big factor. In my personal case, I have TRICARE medical benefits available through my military retirement, and I have commercial health insurance available through my federal employee retirement program that I can bring into play as well .. so, while Medicare is not a big issue for me, it likely is a huge issue to many other Americans. However, comma …
Not a factor? You mean the US is going to open up Medicare to citizens living overseas?
And there are a whole raft of insurance providers that expats can use here.
… one of the reasons I live here in the Philippines is, medical care is good and neither Republicans or Democrats have a freaking word to say about how I avail of it. You know, Americans used to be known for and proud of standing on their own two feet, and it is still possible today to live without being told how to by some bureaucrat. And I don’t need protests, I don’t have to worry about rallies and Second Amendment rights and I don’t even know if I am supposed to be a c(C)onservative or a l(L)iberal … actually, I guess I am both at different times as the spirit moves me…
And of course the simplest solution is possibly to keep what you already have.
I may have given the idea that you have to go it alone regarding medical care insurance and health care costs in the Philippines. This doesn’t always have to be the case.
Although it is well known that US Medicare does not pay benefits overseas, there are many other ways for a retiree in the Philippines to keep at least part of his US health care coverage.
First of all, how do you know your present plan doesn’t cover you, world-wide? Many people come to me with the idea that their existing US health care insurance plan doesn’t cover them without even doing their own detective work to find out.
Many US health insurance plans do provide coverage in the Philippines .. since they can save a lot of money by paying Philippine prices instead of US prices, why wouldn’t they?….
Here’s one I have advertised on this site, seemingly forever. So far as I know, not a single person has bought it … but that doesn’t mean that it doesn’t seem to be a very good deal. For as little as $1.22 a day, with lots of benefits including medical repatriation to your home country,
(Just click on the banner to learn more)
and in some plans even repatriation of your remains, can you really afford NOT to look? Remember this article?
One of the things which will be a tremendous burden on those around you if you don’t die is your medical coats. Hospital bills mount up fast, and you do realize, don’t you, that if you can’t pay the bill you may be held by the hospital until payment ids received?
Yes, it’s true, so don’t come to the Philippines and play fast an loose … unless you like being a burden on other people. In my experience a lot of guys come to the Philippines to “run away” from something or another. That’s OK, we’re all human … but you can not escape your responsibility as a person just because it’s cheap and convenient at the moment.
And Here’s One Solution I Particularly Recommend:
Blue Cross Insurance Philippines Inc. offers Insurance Package that will suit your needs, demands and expectations. As a specialist in Medical Health Care for 60 years, we have established our rank in the top 20 Non-Life Insurance companies in the Philippines. Recognized as a preferred provider of Medical, Travel and Accident Insurance. A few highlights of their offerings:
Blue Royal Plan (Dollar Plan):
Comprehensive range of medical insurance benefits and provides an impressive coverage limit of US $2,000,000 each year (designed for Expats and/or top executives)
• Your choice of hospital, clinic, pharmacy and doctor… WORLDWIDE!
• Maximum coverage of up to US$2,000,000
• Swift reimbursement of eligible charges
• Worldwide emergency assistance, emergency evacuation and transport of mortal remains.
Select Plan (Peso Plan):
coverage limit of Php3,000,000 per year
• Select offers the complete freedom of choice. This means you can avail of the best medical treatment with your own choice of doctor, hospital or specialist.
• Emergency overseas coverage, 24-hour worldwide customer assistance and emergency hotline
Specifically designed for senior citizens that offers complete freedom of choice for the best medical care.
• Your own choice of doctor, hospital and specialist and full reimbursement of medical expenses based on your coverage
• Comprehensive range of medical insurance benefits available in the Philippines with a maximum coverage limit of up to Php1,500,000
• Emergency overseas coverage, 24 Hour worldwide customer assistance and emergency hotline
If you are just visiting the Philippines, you might want to look into one of the Travel Insurance Plans:
Travel Insurance for business and pleasure with Benefits and Premiums on a per trip basis. Period covered is up to 180 days per trip, subject to extension.
- Medical Treatment
- Hospital Income
- Personal Accident
- Personal Liability
- Baggage Delay
- Baggage Loss or Damage
- Loss of Travel Documents
- Trip Cancellation
- Trip Termination
- Flight Delay
- Missed Connecting Flight
- Strikes & Hijacks
- Funeral and Burial Expenses
- Emergency Assistance Benefits
Very similar plans with annual premiums are also available. Costs are very reasonable, to my way of thinking and there’s really no excuse to operate “barefoot” (no insurance) if you travel to the Philippines … you might step on a nail
For inquiries, please call 632-899-8001, extension: 7522/7523 or send an email at firstname.lastname@example.org (please mention PhilFAQS or me, Dave Starr if you call, you’ll get special handling).
You can always email me, (philly (at) philFAQS (dot) com). I also have a US number to call in on, 1-719-966-4295). (Leave a message if I can’t pick up when you call).
I’ll be happy run interference, get you specific answers, help you choose or answer any other questions about health care and living in the Philippines.
I’ve visited Blue Cross Philippines’ offices, met Ms. Duma and other staff there personally and evaluated the operation … how they handle claims, questions and reimbursements. I was very favorably impressed, I wouldn’t recommend them otherwise. Live well.