Is PhilHealth Worth It?
(Updated 5 March 2020)
I have probably had this question, “Is PhilHealth Worth It?” repeatedly asked more than a hundred times since I moved to the Philippines, full-time, in 2006.
My answer is almost always a resounding yes, but a great many ex-pats will tend to disagree with me. This opinion generally seems from the attitude of most North Americans (at least those who actually even bother to HAVE health insurance) that to be worth anything. health insurance has to cover all expenses. PhilHealth does NOT cover all costs involved with every sickness or surgery, but it is one hell of a lot better than having no health insurance at all … and when you get sick (not IF, but WHEN) you’ll be damn glad to have it.