Phil Health Worth it or Not?

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Phil Health Worth it or Not?


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Old 11th January 2020, 11:28 PM
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Default Phil Health Worth it or Not?

An offshoot from the SRRV worth it or not thread.

How about Phil Health,

Cost is 15K for SRRV and 17K for others.

Benefits as I understand it some restrictions on initial coverage.

https://www.philhealth.gov.ph/news/2..._coverage.html


Anyone actually used the coverage, how was your experience?

I have a major coverage with an international firm but a high deductible A($US15k plus a 30% co pay fr4o the first insured but a $US2million top limit. I was thinking of Phil Health to cover the deductible and copay amounts.
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Old 12th January 2020, 03:26 AM
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My Asawa is a Senior citizen and therefore has PhilHealth as a freebie and I, being older than she is, am covered (freebie as well) as her Dependent. When she has been hospitalized (she has some heart troubles and requires frequent hospitalization), PhilHealth seems to cover about 70 - 90 percent of her bill(have never figured out how they calculate). About 3 or 4 years ago, I got dehydrated and had to be hospitalized for 4 days. PhilHealth picked up about half of my bill. I really have no info or thoughts on the Premium structure.

Just my experience with them. Since our Premium is zero, to me it is very worthwhile. I am 13A(Permanent Resident) Visa status but at the time I went to the Hospital I was Balikbayan status.

In the US, I am covered with Medicare, the VA, and IHS(Indian Health Service) so if anything major happens to me, I may have to do some serious considering.

Fred
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Old 12th January 2020, 03:58 AM
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Any idea what the hospitalization costs were?

My only experience is seeing a doctor and costs have been minimal, visit plus medication (pills plus ointment and medicated soap) for a rash was 2k, straight consultation was 300p.

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Old 12th January 2020, 07:01 AM
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Good call Manitoba and here's some information I couldn't transfer it but important links for Phil Health.

https://www.philhealth.gov.ph/news/2..._coverage.html

Phil Health Circular 2017-003 https://www.philhealth.gov.ph/circul...c2017-0003.pdf

Information posted by Pagbati: True, although I would add another bullet point as follows:
SRRV members who joined Philhealth prior to 01 July 2017 are still entitled to pay the old annual premium rate of 2,400.

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I am not a regulated immigration adviser. I am offering an opinion and not advice. Check here for professional help with the Philippine Bureau of Immigration PBI https://www.facebook.com/officialbureauofimmigration or Philippine Retirement Authority PRA for an SRRV Visa https://pra.gov.ph/contact/ Always stay alert and don't let your guard down.

Last edited by M.C.A.; 13th January 2020 at 04:31 AM. Reason: Fix URL links
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Old 13th January 2020, 02:10 AM
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Quote:
Originally Posted by M.C.A. View Post
Good call Manitoba and here's some information I couldn't transfer it but important links for Phil Health.

https://www.philhealth.gov.ph/news/2..._coverage.html

Phil Health Circular 2017-003 https://www.philhealth.gov.ph/circul...c2017-0003.pdf

Information posted by Pagbati: True, although I would add another bullet point as follows:
SRRV members who joined Philhealth prior to 01 July 2017 are still entitled to pay the old annual premium rate of 2,400.
I got a 404 on both of your links above. Guessing the ... Isn’t part of the actual url. Thanks Tim I fixed both links.
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Last edited by M.C.A.; 13th January 2020 at 04:34 AM.
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Old 13th January 2020, 02:27 AM
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Quote:
Originally Posted by Manitoba View Post
Any idea what the hospitalization costs were?

My only experience is seeing a doctor and costs have been minimal, visit plus medication (pills plus ointment and medicated soap) for a rash was 2k, straight consultation was 300p.
Don't remember exact figures, for her last hospitalization I think I paid a bit over P17000 = Approx $350, but don't recall the total bill but should have been well over twice that amount. Near as I can remember, when I was in, my share was around P21000 = Approx $400, which was about half the total bill. Can't beat that for 4 days of hospital care. For normal office visits - consultations, we just pay the P300 to P450 fee plus buying the prescription.

Fred
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Old 13th January 2020, 06:15 AM
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Quote:
Originally Posted by fmartin_gila View Post
Don't remember exact figures, for her last hospitalization I think I paid a bit over P17000 = Approx $350, but don't recall the total bill but should have been well over twice that amount. Near as I can remember, when I was in, my share was around P21000 = Approx $400, which was about half the total bill. Can't beat that for 4 days of hospital care. For normal office visits - consultations, we just pay the P300 to P450 fee plus buying the prescription.

Fred
I am guessing those prices are in manila? I have paid for a lot of hospital care out here in the provinces for numerous relatives and it is probably 1000p per day for hospital room care and about 2000p per day for intensive care. You could probably have a heart transplant for 150,000p.

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Old 13th January 2020, 06:59 AM
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Quote:
Originally Posted by fmartin_gila View Post
My Asawa is a Senior citizen and therefore has PhilHealth as a freebie and I, being older than she is, am covered (freebie as well) as her Dependent. When she has been hospitalized (she has some heart troubles and requires frequent hospitalization), PhilHealth seems to cover about 70 - 90 percent of her bill(have never figured out how they calculate). About 3 or 4 years ago, I got dehydrated and had to be hospitalized for 4 days. PhilHealth picked up about half of my bill. I really have no info or thoughts on the Premium structure.

Just my experience with them. Since our Premium is zero, to me it is very worthwhile. I am 13A(Permanent Resident) Visa status but at the time I went to the Hospital I was Balikbayan status.

In the US, I am covered with Medicare, the VA, and IHS(Indian Health Service) so if anything major happens to me, I may have to do some serious considering.

Fred
Very informative Fred. You answered one of the questions I was going to ask, ie can I avail PhilHealth on BB status.

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Old 14th January 2020, 12:34 AM
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Tim, Those are from different Hospitals in Iloilo City on Panay Island.

David, We can avail the services as a dependent of our spouse.

Fred
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Old 14th January 2020, 01:32 AM
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Quote:
Originally Posted by Tim_L View Post
I got a 404 on both of your links above. Guessing the ... Isnít part of the actual url. Thanks Tim I fixed both links.
Excellent, thank you. Reading them now.
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