Healthcare For Expats in The Philippines...
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- Опубликовано: 19 июн 2024
- If you’re planning on moving or retiring in the Philippines, it’s so pertinent that you understand how the healthcare system works here. Be it whether you’ll need health insurance, what health insurance best suits you as an expat, and even the cost of healthcare and insurance in the Philippines, these are things non negotiable things you should read up on before coming here. That being said in this video, in this we touch on all these topics. Enjoy!
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Timestamps:
0:00 Health Insurance For Expats in The Philippines...
0:35 How Does The Healthcare System Work?
2:55 Do Expats Need Health Insurance in The Philippines?
3:24 How To Obtain Health Insurance as an Expat?
3:52 How To Register For Public Health Insurance
4:51 How To Register For PhilHealth
6:02 Private Health Insurance
7:29 How Much Does Public Health Insurance Cost?
8:40 Health Insurance Companies For Expats
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Tags:
Health Insurance in The Philippines, Hospitals in The Philippines, Hospitals in Manila, Healthcare in The Philippines, Philippine Healthcare Costs, St. Lukes Medical Center, Makati Medical Center, PhilHealth, PhilCare, AXA Philippines, Philippines Vlog, Philippines,
"But He was pierced for our transgressions, He was crushed for our iniquities; the punishment that brought us peace was on Him, and by His wounds we are healed."
Isaiah 53:5
Can you trust the healthcare in the Philippines? What are the best insurance plans for expats here? In this video we get all those questions answered for you. Enjoy!
Book a Consultation Call w/ Evan
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Evan, thank you for all info! I plan to retire to the Philippines in 3 years. Not now. It seems to me that some Medicare Advantage plans will pay for medical expenses outside the USA. Any expats you know in the Philippines who tried to work with Medicare Advantage and their experience with that? Thank you po.
What about us tourist who want to visit for a few weeks? Can I use our Kaiser card? We have never visited. I left in 1979…
@@jdbee713 If you are a tourist you get easily get a cheap travel insurance.
@@raananhI’m a U.S. citizen living here in BGC. I have United Healthcare Medicare Advantage. I was told I’d be covered here only for the first six months. Now I have Phil health and Pacific Cross . Check your overseas coverage with your provider.
You mention in this video that you will go over the best private insurance plans for expats in a different video. Where is it? What is the link?
Great video and content!
Thank you for sharing.
Very concise and informative. Unfortunately, the information was wrong.
Interesting subject.Good topic thanks.
Well done, thank you!
Thank you so much. This is the first thing we're going to do.
Very nicely done video! Thank you so much for putting this together
My family has 100% health insurance. I got bust up in an accident about 18 months ago. My treatment, at a public hospital, because it was an emergency and I had no option!, cost around USD 3000, but that was for immediate treatment, hospitalisation and around 6 months aftercare. I paid cash because I didn't want to up the premiums in case my family needed medical care. We have an insurance policy through our bank so if anyone gets sick they are sorted. Our premiums are Pp around USD 100 pcm.
Thanks. A good summary.
Thanks for very valuable information!
Thank you for the information. , Your the best.
EXCELLENT info! Thank you!
That's good information. Thanks.
Great video Evan, thank you👍
Great information, thanks!
Thank you sir. Your explanation of the healthcare system was easy to understand and right to the point.
Great video. Now I know what Insurance to get when I retire. Thanks.
super underrated channel!! fi
Health insurance and typical healthcare services in the Philippines is even better than the US. Gosh!
Aside from way more affordable health services in the Philippines, there are times the Philippines is more efficient if not more effective.
Well done video with lots of great information. Thanks.
Thanks for the great information! I have been looking into international plans before I retire there in a few years.
Thankful for this video...am a filipina with an american partner for 8yrs now and we are still looking until now where is the best place to settle here in PH soon ...since the plan is going to U.S THEN will be coming here in PH during visits....right now were still exploring, taking time...we used to live in our area in Surigao City but due to supertyphoons we needed to moved to another city called BUtuan city...but probably after here we will also try Dumaguete City as its always my number 1 choice to visit since I learned for awhile already that its a friendly city ....also i still love living in an area with plenty of trees☺️am someone who loves country living ....but being an island girl, born and raised yes.. also i knew that its necessary to choose a place thats accesible to good hospitals and clinics and yes for other commodities of course a .safer place and clean...and hopefully not so prone to strong typhoons ....
Cigna international is the best for Americans. It's policy covers you in the Philippines, USA and anywhere in the world at the SAME TIME. For a $1 million annual policy with a $1,500 deductible, your monthly premium is $265 monthly (healthy 40 year old). It covers everything except preventive, but preventive is cheap in the Philippines. I've dealth with them in the past and their customer service is in the USA with online support as well.
Most people in the USA are working and have medical benefits through employers and are private medical facilities similar to kaiser Hospital, Sharp Hospital, etc in California. So public are Gov/county run medical hospitals and private are employee/employer paid coverage which makes it more equipped/modern hospitals.
In Dumaguete city, very seldom you'll experience typhoon there. There are 2 big hospitals there and plenty of expats.
I've had excellent serices, including hospitalizations and surgeries. At the QualiMed hospital in Iloilo city. For the past 7 years
Actually Thailand was the first country in southeast Asia to offer Universal Healthcare in 2002 and if you're seriously ill in the Philippines you would be be wise to fly to Thailand for treatment . Thailand's medical care is light years ahead of the Philippines. People from all over the world go there for medical treatment.
I was on a 9a tourist visa and signed up for Philhealth at 17000 pesos per year for the last 2 years which also includes my Filipina wife as my dependent. Now I'm on a 13A visa and still pay 17000 pesos per year for philhealth.
What does philhealth cover?
@@8thousandmiles Not much. I use Philhealth mainly to get in the door of the Hospital. They pay a small % of your inpatient hospital stay. My wife just had some of her bone drug therapy bill paid by Philhealth(supplies related to her cancer). So it does help a little. My sister-in-law had surgery here that cost 140000 pesos and Philhealth paid about 30% of it. So it does help somewhat.
@@8thousandmiles minor and major operations or if your extremely sick..
Too funny, your last video I made a funny comnent about sitting through an insurance law seminar, and your very next video is on obtaining health insurance. Coincidence of course, but still funny (to me).
Great info here. Thx 🙏
Great video. It was new to me that there is free and universal health care for Filipinos in the Philippines.
DONT BELIEVE WHAT THEY SAY THAT FULL OF BS. POOR PEOPLES IN THE PROVINCE ARE DYING IN THE HOSPITAL BECAUSE THEY DONT HAVE MONEY, MY UNCLE WAS IN THE HOSPITAL FOR TWO WEEKS THEY WONT LET THEM UNLESS YOU HAVE TO PAY HALF OF 65,000 PESOS ALL HOSPITALS IN THE PHILIPPINES ARE BUNCH OF CROOKED.
Upgrade your current insurance (if possible) to international insurance for a fee.
Just love your channel and the information that you provide. My parents previously bought a condo in a city in the Visayan islands. They will often go there for a few months and then back home to the United States. Do you think its still worth it to sign up for private insurance? Who and what companies provide private insurance and where do we get it?
I also go to the Philippines and stay there for a few weeks. Can I get a temporary private insurance during my trip?
Thanks again.
@triplevee808 No one should ever travel abroad without health insurance, if something serious happens they may delay or refuse treatment. In the Philippines they’ll likely demand cash upfront either way, but at least you can get reimbursed by the insurance company. There are several reputable companies, but I’d personally go with either AXA or SafetyWing.
Iloilo City has lots of private hospitals. The Iloilo Medical Center owned by Medical Center Manila is accredited by International Joint Commission. They have a good cardiac and neurology program. I think there are lots of Hospital in Manila, few in Cebu and Iloilo with Joint Commission Accreditation. Hospital with this accreditation means , the standard of care and services are the same as developed country like the US, Canada, Australia and Europe.
I lived in Cebu for a year and the hospitals there are not good. Just moved to BGC and went up to The Medical City in Ortigas for the birth of my daughter. Night and day difference between Cebu Doctors Hospital and The Medical City. There really is a huge drop off in quality once you leave Manila.
I agree. I needed care in Bacolod once and it was a nightmare 😂 although Makati Medical wasn’t all that good either.
Chong Hua is the best hospital in Cebu City in my opinion.
You just need to pick the right hospitals. Ask the locals
@@apinezstats2237 What do you mean “the right hospital”? Many locals use public hospitals. And many have no concept of what a western hospital is like. Some may think Doctors Hopital in Cebu is amazing because they have only experienced public hospitals. There are very different standards when it comes to this.
The Medical City in Ortigas was very comparable to a western facility. Chong Hua and Doctors Hospital were much dirtier, outdated, crowded and the doctors are almost ALL young. The more experienced doctors go elsewhere.
@@Joepoe20041 Chong Hua is, BUT the bar for Cebu hospitals is extremely low. One of the reasons we moved to BGC from Cebu was because of the healthcare there. Much lower quality than western facilities. At least in Manila there are a few that are in-line with western hospitals.
Hi Evan,
My name is Gabriel. Thank you kindly for your detailed, helpful Health Care info. I am a 68 year old retiree (6 years retired) who is contemplating on moving to BGC. I am still making computations on my potential expenses in regards to living there. More likely, I will rent instead of buying a 1BR condo @ BGC. One of the concerns I have is the safety, quality of tap water in the Philippines. I already have been using bottled water when I brush my teeth here in Las Vegas. CDC here in the USA warns about the lack of infrastructure to treat Philippine tap water up to par with International Safety Standards. That is sad because its been 50 years since I left the Philippines and the tap water is still not up to par with Intl Safety Standards. Then there is the poor infrastructure of traffic (one You Tube video I saw said it took almost 2 hours from Makati to Quezon City?). OMG!
As far as water, you have to buy brand name bottled water. Some unknown bottled water are refilled with regular water or the process they use is lacking so bacteria grows on the water overtime. I've been in the US for 53 years but when on vacation, always drink brand name bottled water or soda with no ice cuz the ice is also contaminated.
The safest solution is not to leave your country and be away from infections and bothersome traffic congestion,
Outstanding channel I have my SRRV and I am a veteran I am living in Manila in good health all around except I am on an insulin pump .
The Manila VA from my understanding will not treat me unless I have a VA connected disability so I have to fly back to the states from time to time to my VA there to see my endocrinologist now from my understanding if you have a preexisting health issue you can't get insurance here.
What do you do in this case someone out there please give me an alternative or something.
Thank you
Do you have to purchase and pay for public health insurance if you have private health insurance?
Dumaugete City has one of the best hospitals in the world. There are 4 -5 hospitals there and accepts US and Philippine insurance.
Thanks for your input. I will retire to Dumaguete in 24. I have health issues and having good healthcare is a must.
If you live in the Philippines for six months and six months in the US then you have to pay twice for insurance?
If you plan to retire in Pinas, check how much their health insurance for 70 years old & above. It's too expensive & limited. Hope you can afford it.
Good info Evan, but you might want to correct the health insurance part because it costs nowhere near 100USD per month if you’re under 50 years old. For example if you get your insurance with SafetyWing it only costs 45USD per month if you’re under 40.
I heard SafetyWing has issues with paying out.
@elitepctech I’ve never had any issues with them but then again I didn’t claim an extremely large amount either.
What about just going out of pocket like many of the locals? I hear some expat vloggers doing this instead of attaining insurance.
That's a good option , depending on the affordability of the person. My girlfriend pays from her pocket & gets things done immediately rather than waiting for at least a day to get the approval. It's a lengthy process . Unlike other countries where we just need to provide the necessary docs & immediate approval from the insurance company for example in India we get immediate approval from the insurance company.
How much is the private insurance
As a part timer there, I have private insurance. That being said, healthcare is not expensive there.
It depends, regular healthcare like consultations and medications are affordable. A stay at an ICU can be very expensive.
@nomadicgrandpaws2259 Yes, but far cheaper than U.S
Either way I stayed insured.
GOOD FOR TO SAY THAT HEALTHCARE IN THE PHILIPPINES IS CHEAP NOT FOR ORDINARY AN THE POOR PILIPINOS.
@luciahermias9717 true..
I was talking about expats, though. At least you have public health care. There are some states in Ametica that offer nothing to the poor...
@@walkingboss No, I don’t have public healthcare. I’m American and doesn’t qualify for Philhealth. In America, the poor has medicaid and community hospitals receive federal funding for indigents. Where many Canadians get their heart surgery. In the Philippines, I have savings of at least $40,000 to cover emergencies and possible medivac to Guam.
Going private goes without saying, but which company? I've watched bloggers describe how patients are kept in hospitals under guard until the bill is paid? So the question is whether "all" or "some" of those private insurers pre-approve payment and recognize "all" of the major hospitals? Also, i would want the insurer to fully cover me outside my residence in the Philippines? So the million dollar question is which one does that with the best service?
He said it's best to purchase International Health Insurance. It covers you as you travel from country to country.
@@davidhall3747 Right.....I saw his list, but not all necessarily pre-approve payment? In other words prevent one from being locked in the hospital pending the claim.
@@Chris-gi9ch Correct.
Aren't the payment amounts you mentioned for public health insurance per year? You said it was per month. I thought those were yearly premiums for PhilHealth.
✍🏽✈️
Are you saying that the most expensive private insurance plan is no more than $300?
What about my health insurance in the US, how can I use it in the Philippines?
If I’m not mistaken, you can use your US health insurance in St. Lukes Medical Center in Quezon City and BGC. I don’t know if Makati Medical Center is now recognizing US Health Insurance.
Before your international travels check your HR department if your medical insurance thru your employer covers when you travel overseas. It all depends on what kind of package your employer is buying for the employees. Speaking from my travel 5 years ago a family member was admitted at St Luke’s BGC and to my surprise BCBS covered all the medical expenses. BCBS advised me to have the hospital bill it directly to them or get all the receipts to get it reimbursed. St Luke’s refused to make the claim directly to the insurance so all of the receipts were later on reimbursed by my insurance. I am now covered by Aetna and my insurance continues to cover when I travel overseas.
Unfortunately I don’t think you can use your Medicare benefits in the Philippine and prescription drugs are mailed into your home.
We have a very good healthcare in the Philippines . Compared to other countries . For example you will go in the emergency room. We have the best charge to my personal experience in canada you will wait till morning before you recieve treament.
Some did not even make it.
@@bettygumilao3236that’s funny. Canucks should slow down on maple syrup to speed up wait time in the ER.
Phil health is just a subsidy. 30
What about those of us Americans on Social Security here in the states? Also, what about US Veterans? I'm planning to move to the Philippines.
Provincial hospitals are a roll of a dice if you survive the ambulance ride to the hospital. The philippines doesn't have on board EMTs in the ambulances, and that is a major mistake. Getting a patient stabilized before or during transport can save hundreds of lives . Phil health is not free and is more expensive for expats than the citizens. That money put towards a private policy can go along way as long as you live and stay close to a hospital that excepts your private insurance. Many times, you will still have to come up with cash first and then hope for reimbursement from your insurance company. Tricare is available to military expats, and Medicare may be available to help, but don't quote me . Many expats from the states will continue to pay for their Medicare, and if something catastrophic happens, then be flown to guam or back home for care . Do your research and choose what is best for you and your budget.
Why dont you disclosed that philhealth is a subsidy only and covers 30% of the total cost. I look forward congress will pass a bill to make it 80% coverage.
I have Aetna insurance from the U.S does this cover it? Or do I need to get other insurance too? Could you please answer this because before I asked you and I got no response.
I have Aetna insurance here and I am covered when I travel international. Having the same insurance don’t mean anything. Call your insurance it all matter on what kind of package you have signed up or if this insurance is thru your employer it all boils down what your employer had signed up.
The reason some of our hospitals are understaffed because our medecal personnel have been exported abroad because foreign countries like the UK and US offer higher salaries. Also Filipino doctors and nurses are one of the best and compassionate medical personnel all over the world.
Yeah, all our nurses in California are Pinays 😂
So if someone stays as a tourist for extended years like some people do they still have to get Philhealth or they just self pay if something medical wise comes up?
It's your choice, but Health insurance is mandatory for expats who stay six months or more.
I would really love to watch every video on this channel. The first one I watched had some evangelical Christian messages, which I found very challenging. Im now reticent to watch any more. Does anyone know if all videos have the same subtext? If not that’s awesome as the one I saw was really helpful until that part.
You don't like it, but a lot of people here do. Believe in Jesus and have eternal life.
@@EsthersMedia I agree and respect other people’s beliefs and have Christian friends. Jesus was the most proudly enlightened person in history and I follow his principles. But I can’t see the connection between expat information about the Philippines, and evangelical Christianity. I follow many other similar channels and they never mention it.
Amen to that,sister!!@@EsthersMedia
@@nlf17 I’m sure he is
Certain hospitals give outstanding healthcare (example, st Luke’s) while others are terrible (rthe province). I’d you have American dollars, you can still go to st Luke’s, pay cash and get outstanding medical care.
Yeah hospitals outside of Manila are a complete nightmare OMG 😆
Just curious what Hospital is the best to go to if you had Cancer? What Hospital is the best if you were having Heart Surgery? What Hospital is the best for the Eyes? Is there a Web site that shows ratings for private Hospitals in the Philippines? Also, if you had a serious case in one of the above can it be handled in the Philippines or would you recommend maybe going to Thailand to have the procedure or treatment?
Thailand is the preferred destination . Way better facilities & very economical in respect to Philippines.
Although Thailand is a good alternative, there might be a language barrier with their doctors. Philippine doctors are proficient in the English language and are well trained in their sub specialty.
@@nomadicgrandpaws2259I would rather deal with a world class doctor with language barriers than a doctor who’s fluent in English but not good at his job. Thailand is well known for medical tourism from all over the world and none of those people travel to the Philippines for better communication.
there’s a heart center for asia sophisticated hospital in quezon city a lot of neighboring countries have their heart surgery or treatment , across the road another specialized hospital for kidneys adjacent to these hospital is a remodernized huge public hospital with decent health care with best health care professionals, if you go abroad most hospitals are staffed by some Filipino health professionals, so there you are
Tune up your self before going on vacation for senior citizens you should have 120days supply of medication, if you have health insurance in the USA I recommend Asian hospital, Makati Medical Hospital they will assist you and they have experience billing system and train personnel. Now if your in the island? The hospital inside Clark are also assisting foreign insurance, call your health insurance before going to your vacation..
Only thing I can say is if you in make sure you can pay. They won't allow you to leave until bill is paid. If you make a agreement they will hunt you down an remind you of that every other day. Insurance only covers about 30% of actual cost rest you owe. Had my gf and mom need emergency help lucky I paid the hospital or they would still be there in Bacolod city hospital.😢
Private health insurance costs a fortune of you have pre-existing health conditions
How about a Dual Citizen of US and Philippines, planning to stay more than a year, will have Medicare Advantage like Humana from US. Is it True that Humana Insurance is accepted in the Philippines or I will get reimbursed when I go back to US
Ask your U.S. Health Insurance.
Do not join medicare advatage!!!
Seriously it is a scam and will cost you a lot more. It also limits what hospitals you go to. Have to get referrals to doctor. And if you get sick will have high co pays.
Just get regular medicare and medigap. By the way if you join a medicare advatage plan and want to go back to regular medicare you will need to sign up for medigap insurance. But your medigap insurence price will now be subject to your current health status. Medigap is not subject to that when you select a medigap plan when you first sign up for Medicare.
Medicare advantage is a scam by heath insurance companies. Google and research this.
Also the most popular medigap plans do cover emergencies outside the USA.
What about veterans? Veteran who has va tricare benefits?
Do you know if there are world class hospitals in Cavite? Near Tagaytay.
Yes there are two of them i believe in cavite
@@kevinbuckley4507 reputable? High quality?
@kevinbuckley4507 what the names of this two?
@@flurymichi De La Salle University Medical Center Medical Center Imus Metro Cavite Health System Inc. Our Lady Of Piat Polyclinic And Hospital Our Lady Of The Pillar Medical Center Elenita B. Galang Specialty OB - Gynecology HMO None Hospitals Clinics By Our Lady Of The Pillar Medical Center
even you have private insurance and you have philhealth you can still use both for confinment because u cant avail philhealth unless u r confined unlike private insurance u can avail anytime for check up.. Philhealth is for confinement because ordinary people can go to public hospitals for free.. and theres also malasakit center because philhealth cant covered all the expenses
Do they have private hospitals in Iloilo Iloilo
They do , Google it .
What about Americans on Medicare?
Medicare is provided by the U.S. Government. It has no jurisdiction in the Philippines.
You have to fly to Guam to use medicare.
Medicare is accepted in St. Lukes Medical Center because if my memory serves me correctly my grandma went there five years ago to have her PET Scan for her tumor in the tongue and her US Medicare was accepted. I just don’t know now after the pandemic.
@@hotspot930
You are mistaken. US law does not permit accessing medicare services outside the US or its territories.
@@hotspot930not true. When you own a US passport page 6 states- Medicare/Medicaid does not cover healthcare costs outside the US. FYI, St Luke’s BGC do not accept any kind of US insurance. It’s cash or credit card payment only upon discharge. Not all insurance will cover when you travel international. Best is to check your insurance and when you get that coverage it is a Bon Voyage.
Does Philhealth cover dental and vision?
the cost of dental in the philippines is very inexpensive I just got back and had 6 full crowns done all front teeth all color matched all in porcelain for under $1000.00 USD
Insurance is a business 😅😅😅
If you need / will need specialized medical help and you do not have a lot of $, the Philippines is not the most ideal for you.
All they want is boat loads of cash ! -- They apparently don't often trust insurance company's over there ? -- You better be able to self insure or you could end up dead !!! > They don't care.
Can you imagine that most Americans dont go to see their doctor back home but now worrying about healthcare in the Philippines. All that liquor, fast food, stress, and hormones in America. Now you come to a country with less stress, organic food, and sunshine all year long. Now, I gotta get healthcare! Think about that! 😂😂😂😂😂😂
Most Americans got sick because of stress and mental
organic??? 😂😂😂😂
@@dapro2524 Organic food is grown without synthetic chemicals, genetically modified organisms (GMOs), or artificial additives😂😂🤣🤣
@@J.Shabazz So 100 percent of food in the Philippines is "organic"? Not even close bud! Open Google and do some research!
Those retirees planning on staying in BGC or anywhere, make sure that you get your annual flu vaccine and figure out the shots are available.There will be upcoming massive wave of variants even before 2023 year’s end. Don’t count on Saint Luke for Covid vaccine availability.
Where is your girlfriend at now. You have grown up so fast my friend
S’expatrier dans un pays où les gens vivent dans les cimetières de la capitale ?!!! Dégueulasse à vomir.
So you spend your limited time watching why exactly⁉️. 🤣🤣🤣
Expatriate to a country where people live in the cemeteries of the capital? Disgusting to vomit.
France 🤒🤢🤮
It's more fun in the Philippines 🇬🇧🙏🇵🇭
@@johnclark7973 vive la France et la fraternité !
you quoted the philhealth payment for locals. last time i checked it was 17,000 a year for expats
first you said philhealth was mandatory, then you said it was voluntary? 🤔