The Healthcare System in the Philippines

The Healthcare System in the Philippines

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One item important to expats thinking of retiring in the Philippines is your health. What is the situation here in the Philippines? Is there a good health plan available? Well one option I can think of is: Keep enough cash available in case you get really sick and need to return to the US for a hospital stay.

Personally I have had passing out spells that were later detrmined were caused by me skipping my blood pressure medicines. Then I had another instance where I actually overdosed on meds getting twice as much as I should this ended up in a Philippine Ambulance ride out the the Doctors Hospital on Mactan. I sat in the emergency room for a while and got a through exam with everything showong normal except blood pressuer which was only 110/80. I have heard of cases where you can stay in the hospital and get care here. I have also heard stories where they say you are not allowed to leave the hospital until you pay your bill. Here a couple of comments I found on the Internet from expats.

My wife and I just gave birth to our daughter September 29th 2010 and the entire cost of this birth was about Php 6,500.

One of the relatives has a daughter with a brain cyst  and needed a cat-scan that cost of Php 5,000.

My advice is if you don’t want to opt for an insurance plan, try to have cash saved for this cause maybe up to $10,000 in reserve cash. Then if you had to return to the US it can be done.

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Expat Comments on Healthcare

“…here in the phillipines if you need hospital treatment they want the money up front and it aint cheap they wont let you out of the hospital until you pay your bill. If you got medical insurance you still have to pay money up front and claim from your insurance later…”

“…Health insurance , well, I have never had it since leaving my parent’s home at 18 and raised our daughter without a family doctor. Hospital care is cheap here so we chose to keep U$10,000 ready for any type of medical emergency rather than feed the insurance company money every year. You and many others may feel differently than us about that issue. I’m about ready to get my first “executive check-up” at 55 years old for 3 days on an out-patient basis for only P19000 ( 300 quid )….”

 

Lots of good info here on Health Care Philippines….”

“…Phil Health Membership is only Php1,000 per month. 
Many Health Care Plans require one to be Phil Health Member ot will deduct what could have been claimed from Phil Health.
The other thing about Phil Health Cover is that it does not stop at age 60 or 65, unlike many Health Care Plans, or get prohibitively expensive.
I discovered a good Health Care Management Package, that many Companies sign up to to offer Health Benefit to their Employees. They said I could form a Group and get the same Coverage but needed 20 people to sign up. Did not find 20 people willing to commit so it never happened. Pity as it seemed best cover for the premium that I came across.

Actually if you are reasonably healthy and seldom need to see a Doctor or go into Hospital, just pay what you would be paying in premiums into your own heath fund, and use that to pay when you need to see a Doctor or get admitted to Hospital. Claim what you can off Phil Health so you have something back to top up your own health care fund.

I had a Heart attack in May 2008 and was admitted to Perpetual Succuor. In total I probably spent about Php80,000. and this included the Angigram….”

“…One of the things I find people overlook to often is expat medical insurance which for most people should be top of the list of things needed unless you have a sizeable lump sum at hand. I have seen people forced to literally sell everything they have here to pay medical bills before heading back to the U.S. and often well below the prices they paid as a fire sale. In these cases they generally were over 55 and were looking for long-term retirement in the Philippines but found they were hit by gout brought on by the excess beer drinking, heart attacks or strokes. Either way all cost money to stay in hospital. So where to get good expat medical insurance is a major question and it can only come from recommendations of people who have already had payouts for injuries or sickness. Also the level of cover involved if its to just pay some of the costs, full cost or even pay you while you are in hospital for lost earnings regardless if your working. The only problem is due to the higher risks of injury in a country like the Philippines insurance often doesn’t come cheap which is why you need to assess which company is best for your insurance needs as an expat in a foreign country…”

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I believe this is the largest hospital in Cebu City:

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Chong Hua Hospital 

Fuente Osmeña, Cebu City, Philippines 6000
Tel. No.: +63(32) 254-1461 (Connecting all Departments)
Fax No.: +63(32) 253-5639
info@chonghua.com.ph
http://www.chonghua.com.ph/
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Chong Hua Hospital, is home to some of the region’s top specialists and sub specialist, making Chong Hua Hospital the referral hospital of choice for physicians and patients seeking the highest level and quality of care.

With our 660 beds and our state-of-the-art facilities and equipment, Chong Hua Hospital is considered as one of the biggest, most advanced, fully integrated and comprehensive health care facility system in the Visayas and Mindanao area. Our eleven(11) story twin tower building stands at the very heart of Cebu City completing the back draft of the famous Cebu’s landmark, the Fuente Osmeña Circle.

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Room Prices (by the day)

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Patients at Chong Hua Hospital benefit from the care provided by a multidisciplinary team of nationally recognized leaders in virtually every clinical field. A number of specialized programs and services are also available, most providing both in and out patient supports. Through these, patients receive coordinated state-of-the-art care to address specific needs.

Chong Hua Hospital, commits to provide a safe and excellent health-care service in a culture of continuous learning and improvement.

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Coronary Care Room

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Here’s an old report that sheds some light on the situation here.

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http://www.philippinesforum.com/resources/research/files/health_ph.pdf

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MedAsia (A Philippine Healthcare Provider)

MedAsia Healthcare System Philippines, Inc. (MedAsia Philippines) is a Healthcare Management Specialist company established to provide alternative medical programs that would address the need of various sectors for medical security. It is through the process of integrating essential components such as network of accredited medical specialists, laboratory/diagnostic facilities, information technology, business marketing and management that we can confidently realize our objective of bringing down the cost without compromising quality standards and access to medical care.

Our expertise in healthcare program development and management for various patient affiliation, as well as our established network of highly qualified health service providers in their respective field of specialization, together with our background in business from top corporations provide the much needed competence to be able to deal with the tasks at hand.

In addition, our values which serve as the basis for the conduct of our business reflect our commitment to deliver the highest standard of excellence in all our programs as well as protect the interest of all our affiliates in pursuit of our common desire to make health care accessible, cost effective and affordable for everyone.

Source: http://www.medasiaphils.com/.

Pacific Prime:  http://www.pacificprime.com/

CIGNA Global: http://www.cignaglobal.com

Expat Healthcare: http://www.international-health-insurance.com

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Very hard to find this here. I did find a restaurant in Bantayan Island that has this.

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