Getting Health Insurance in The Philippines - Interview With An Insurance Professional!
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- Опубликовано: 1 окт 2024
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@Aki Ami Masen Marriage is not necessary
,, how expensive do the US dollar plans get as you grow older past 65 into your seventies and '80s keeping the 2500 deductible and do the plans cover prescriptions medications?
I hope Michael is training a daughter or son or partner so in case he might not be able to fly anymore, there will be someone to continue his valuable service to the expat community.
My best advice is get on plane and go back to your home country if you need to be in hospital for major medical, Home is USA for me. Hopefully if you need it you can get back home. I was hospitalized near Davao City in a private hospital, Outdated equipment and lack of it. I broke my hip on a freak motorbike accident, ortho did surgery and used a part to small for my body, didn't walk for 10 months until I made it back to USA to have my hip replacement redone. I have also heard St. Lukes in BGC is good, but I still will take a US hospital anyday over any hospital in Philippines.
Yes but at the same time to keep Medicare going with part b c and d you would be paying maybe 300 a month and not even be able to use it. That would add up year-in and year-out just waiting to be able to use it not counting the trip back to the States and then back to the Philippines.
I would think drop Medicare, Humana and all of those and just pay out-of-pocket to doctors in Thailand. A person needs to be disciplined to take that money each month that you would be paying Humana in the states and make sure it goes into a bank account in the Philippines for medical emergencies or just go ahead and buy the insurance Michael is talking about
It’s because they don’t like us anymore. They used to. But. No more. I’ve never experienced prejudice in my life until I went to the Philippines. They don’t like us. They know why we live there with our big pensions. And the cheap cost of living there. And a lot of them are jealous. They are. They are.
I wished every youtubers would include the cost of Health insurance in every damn budget video we see on these channels. It's a subject that's missing in the "I live in paradise" theme unfortunately. You need a hip replacement, cancer treatment, rehabilitation treatment whatever.
It's good that you did see the importance of this. As a soon to be retired, even if I'm 53 and healthy now, you never know when your number will come. The cost of not planning ahead for when the shit hits the fan can literally turn paradise into a hellish reality.
Bad luck doesn't discriminate.
You can use Medicare in the Philippines as a long as you check the option.if you got tricare insurance it’s acceptable in the best hospital in the Philippines like Makati Med, St Luke’s n Asian hospital. Get a Maxicare
What this guy is not telling you is any pre existing conditions will make your insurance coverage in the Philippines very high premium per month especially if you're over 60, so you will have to be aware, your on your own, so better off to save money every month and invest for your hospitalization and perhaps treatment, this is much wider than building a house in the Philippines you will never own
I rather self insure. If something happens the hospital wants payment up front anyways. Then good luck running after your insurance to cover it.
The plans are direct settlement with the hospital and come with an access card.
Spot on. I've heard many horror stories with insurance companies not to pay out. I put 500,000 baht in a savings account at age 60 and top it up with 50,000 baht a year. It's up to 780,000 now with compound interest. Which is more than a 50,000 a month health insurance policy would cover me for.
Philhealth, you can check out, but you can never leave
Good video, with a lot of information! Thanks 👍👍🎉🎉🍾🍾
Glad it was helpful!
Very informative but I wished you expanded on a bit more say the top 5 companies, pros and cons monthly/yearly premium etc. I really don't mind informative videos like this to be long and detailed as it is GOOD INFORMATION and not leisure entertainment. We just had our parents retired back to the Philippines and we are looking at getting them health insurance there. We know paying cash is cheaper for minor and or major SHORT TERM admission to the hospital, but long term admission can be very costly if we had them admitted to St. Lukes etc.
Thanks for sharing this informative video Gio, you earned my sub sir!
So, about $145 a month for the dollar policy he mentioned? That's a pretty good deal.
Not a good deal in the Philippines. Medical care and prescriptions are very cheap here and zero waiting. Not your comment, but I see so much fake news on RUclips and FB chat groups about medical in the Philippines. I often say if it is so bad don't come here - stay in your home country. I have had amazing medical care here for the last 6 years and ZERO private insurance, I have PhilHealth and get great coverage for my family for 15,000P per year $21.50 per month.
They say the last three weeks of your life is the most expensive.
Ain't that the truth!
Pull the plug. Go out like a man instead of being a burden for what? Three weeks?
Last 3 weeks of your life, hire two hookers and a bag of cocaine, go out with a big smile on your face 😊
Good idea, most unhealthy person talking about health insuranse
What are the options for someone over 70?
Great, informative video gentlemen. I am aware of Michael through the Philippines info channel that I follow with Steve. Nice to put a face to the name. My wife and I will be retiring to PI in October and I’m sure I will be seeking Michael’s help before the holidays. Thank you for the video.👍
Cool, thanks
Health insurance is a total rip-off. It is better to make a deposit in a savings account and top it up with what you would be paying for insurance annually. Plus, the account earns compound interest.
Hi Gio,
May I ask your personal opinion, can this person be trusted?
Thanks,
absolutely, he has been selling insurance a long time here.
@@GiointhePhilippines Thanks)
Will get it from him.
Thanks,
Medicare in the US this year is about $190 a month. The challenge with Medicare however it's been going up but about nearly 20% year
Useful vlog. A comment on travel insurance for those Aussies who stay in PH. You can usually suspend your private health insurance which doesn't cover you overseas and hence will offset the cost of the travel insurance. Bear in mind some travel insurance companies won't provide cover for more than 90 days, or at all, for those over an age cutoff e.g 70
Interesting content, In my opinion and it Depends on your own Medical issues but Cheaper and easier just to keep 20 or 25 thousand in account for medical emergencies or have money and medical insurance
Totally agree - I had a heart attack and total cost was 700k - read these policies carefully they do t cover much and have a crazy waiting period - just keep 20k in an emergency fund
@@rayintoledocebuphilippines5517 700K total cost for heart surgery and keeping 20K in an emergency fund? Math doesn't seem to add up
@@RayMorales-k5v Probably 700k pesos and $US20k
I have Aetna health insurance that covers 80% of my foreign medical expenses after a $750 deductible. Is there any reason I would need an additional policy from Pacific Cross?
You may consider a takeover/replacement. This would circumvent the 12 month waitng period for heart attack, stroke and cancer. The premium should be a lot less.
If you have any pre-existing health problems and have to wait 12 months, what do you do then? You keep paying the premiums and get no help or what? I'm just curious
After the waiting period you will be offered an increased premium to cover your preexisting conditions at your option.
Every insurance I have ever had worked like that. You can’t expect an insurance company (for profit) to start covering your pre-existing condition on day one while you pay $1,700 a year.
Some Medigap and Medicare Advantage plans provide limited emergency coverage overseas. In some instances, up to $50k of coverage that was good for a year. But you'd need to file a claim.
one of my big concerns was medical insurance thanks for the info
Yes, it’s good to see you having him on Gio. Michael is who I use over here in the Philippines.
The best medical insurance is to be healthy. Even if you are injured in an accident, you will far better off if you are health. Learn how to eat right. That is your best insurance.
I think too many expats let themselves go here. I agree for sure but accidents do happen.
I agree. Preventative health is key. I see so many expats end up eating more and more of a crappy diet (lots of carbs, meats, inflammatory oils, alcohol, sugars) and get fat.
WOW! If only there were more knowledgeable people to interview. This was fantastic stuff and it gave me alot to consider.
Thank you
Hello Gio, How are you and Maya? By the way I have a question for you , I hope you can help us , Me & my husband are planning to move there next year , my question is why my husband health insurance we cannot use in the Philippines?
Great topic! - WW
Michael definitely knows what he is talking about. Thank God he is in the Philippines.
Lots of great and useful info Gio! Have a blessed day!
We are moving to San Fernando La Union and need health insurance
Please send me a message. Thanks
I hope this service is still there when I get there in about 9 1/2 years. Good information. Thanks !!!1
Great video. Many expats need coverage.
Hi Michael
Thank you for explaining about insurance
How can I get a cost on three months stay in the Philippines?
Neil
I didn't hear it asked if there is an age limit where you can not get coverage. Thanks 🙏
Age 100
What about prices when your over 65?
I'm retired military and have VA and tricare. VA will only treat what they rated my disability on. I have noticed that Tricare is accepted by many physicians throughout the Pi. Would an additional policy be worth it?
Over there is pay as you go.
Cio - one of the best you have ever done. Wife has had Phil Health and is basically useless. With dental over here, yes it is cheap but so is the quality if you are not careful. Fortunately, I have a brother-in-law in Manila who is an excellent dentist. Since I am 74 is there health ins for that and does Michael have car ins? - I'll use the link to FB you provided - thanks...
Thank you!
@@GiointhePhilippines Apologies for spelling your name wrong, Gio...
Steven, what’s your brother in law’s name, in case we need a good dentist one day?
Having TriCare i can get free medical hospital and emergency care for free
Had a friend pass in Manila and left his girl and her family a 412,000 P bill and last i heard the body is still frozen at thr hospital
Sounds like he was just an ATM to them no love there at all, very common in the PH with very old out of shape men almost on their last legs, the girls are there for their lottery ticket what else!
Thank you for this. He will be valuable to talk to if i decide to move there full time
Does Michael have a normal email address? I haven't used Facebook in years and I don't even know my password and I need to get insurance
Here you go, just mention Gio sent you. michael.onstad@loc-consultants.com
Michael sounds like very reasonable, common sense guy.
Thanks
@@monstadable hey mike what do you think of safety wing? What about medical evacuation insurance? Excellent video. When I come over I will look up you up? What is better peco or usd plan and cost under 65? Thznks
@@bigtime911 Safety Wing will suffice for short term travel. I have yet to find a credible medical evac insurance. Looking forward to hearing from you. I will explain the differences in the plans. To much to write here. Thanks
So, if a person were to move to the Philippines and had a pre-existing conditon such as COPD...are you saying that no insurance plan would cover it up to one year and even after that it would be a higher premium? If so, how would a person get medicine they need for that year waiting period (inhalors, nebulizer medicine, prednisone, etc...) and also what about the cost of prescription drugs for preventative maintenance? Such as Statin's, Flomax....things that older gentlemen perhaps need to prevent disease? If someone answers please answer in US dollars and not peso's. It almost seems that is you have any condition with your health...do not move to the Philippines?
Also, doing research...if you are on social security in the US, you still will get your monthly payment...however say bye-bye to medicare in the Philippines. You will have one of 2 choices. Either cancel it (Your part "B") or keep having your part "B" deducted and you can return to the US for health care if needed. Is that correct?
Michael’s pretty awesome insurance is great. you know the one thing that surprised me was he was on reekays RUclips channel and so I figured Reekay actually had his insurance and we found out that he really didn’t when he got his appendix fixed up I thought he actually had insurance that really would’ve helped if he would’ve gotten insurance from Michael.
Given that Reekays full treatment from what he said was around $2000 usd and it would have cost reekay around $1700 per year for the Gentlemans insurance plan if you're under 65 it would not have benefited him in his scenario! however, if it's a much larger and long hospital stay then yes, it's worth the $1700 per year. for sure!
Cheapest I found so far is pet insurance. Doesn’t cost much to get euthanized if your in a motorbike accident or get knocked in the head for chewing on somebody’s shoes.
lol
What amount does he recommended to be self insured. $1 million? If I understand correctly, we all need to be self insured after age 65.
More than enough. $500,000 should be more than sufficient.
Hello Gio, what is Michael's last name please?
It is in the description with a link to his FB
I have 500,000 P in the bank for self insurance plus TriCare and even VA which is good at the VA Hosp in Manila
Better if the Filipina marry the guy before getting an insurance. And please, check with our local Securities and Exchange Commission if they are registered and licensed.
How about going to Guam instead of Thailand? is Thailand Medical care and Hospitals better than the one in Guam? can anybody out there educate us in this topic?
TY
much needed interview
Very good information indeed gio 👍
The website only gets to 69, what happens when you turn 71?
For over 70 insurance: visitorscoverage.tp.st/f6dHJDqB
It goes to age 100
Is St Lukes the only hospital in Manila? Im looking at moving to QC initially.
Very informative video
Glad you think so!
What about pre-existing?
Excellent presentation, insurance is critical when you need it.
Thanks for the helpful information!
Do I have this rt? $10,000 for health insurance that doesn't cover heart attacks?
No
Michael has a good thing going i would really like to talk to him
Gio are you getting Phil health and pacific cross? What about medical evacuation insurance? Excellent video.
I currently carry the travel Medical Insurance but I'll be signing up with Michael shortly.
Who is your travel medical insurance provider? What plan are you getting with mike pesos or dollar?
I am not sure yet, I will weight out the pros and cons and costs.
@@GiointhePhilippines Most travel policies only cover you for the first 90 days away from home address? Allianz told me that.
The travel Medical Insurance I use in the description will cover up to age 69 unlimited time.
Would you recommend additional insurance if you are covered by the VA?
Yes I do. The VA coverage is limited to service related conditions. It does not cover catastrophic health events.
Thank you very much for that information you are the most informative channel out there I wish great subject matter very informative haven't been beat yet when it comes to things you need to know here as a foreigner
Thank you
I've seen ads for Air Med; Worth it?
I have looked at a few and don't think it's worthwhile. In a medical emergency you want to get to the nearest suitable hospital.
I am a veteran so I am with foreign medical service or fly to Guam.
For Vets I recommend Tricare Select. I went to the hospital here in Cavite and they covered 75% billed directly to Tricare. I pay 12.50 usd a month you can't beat it.
@@PhilippinesLife101 You may want to check the catastrophic limits.
That will work if the doctor will let you fly.
@@monstadable I don't need a DR's permission to fly
@@PhilippinesLife101 I am going to research that. Is that like tri-west in the states?
More great content 👍
Is there an age limit when the insurance is not available?
Age 100 but you won't like the premium. 😁
🤣
what if your married to a local
Not sure what your question is
Jezzzz put a bettter t shirt on.......how in God's sake people will purchase a Health Insurance from you???
I will wear a suit next time!
Hey how much for a family of 4 for a vacation in September - October ?..
You can get a quote here: safetywing.com/?referenceID=24748534&Ambassador
How come i can't save your videos as a favorite?
_Why_
I can do it on my end
Expat should do before moving there is to get in shape stop smoking, drinking. Try walking at least 10000steps a day
He said you are looking at 16,000 pesos minimum a year for health insurance for an under 65 year old. That must be very basic or have a huge excess.
I’d be wanting something in the 36-50,000 peso a year range with an excess not more than 10,000 pesos.
What do you do if you are over 65? And what kind of cost am I looking at?
Best insurance there possible is healthy diet, regular exercise and good life style choices.
Agreed but it doesn't matter if you break a bone or have an accident.
No amount of healthy lifestyle and exercise guarantees healthy, long-life outcomes. Some populations carry defective genes/DNA that are susceptible to certain diseases no matter what age.
☀️🌙✨
i sent him a message on
facebook
Do you do medical evacuation insurance?
Please include Michael's email and phone number for those of us that do not have fb...
+639195813100
@@GiointhePhilippines Thank you Sir!