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Philippines 2019 for new expats


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2 hours ago, ExpatPH said:

I have a international expat insurance with high limit. It cost me a fortune per year, but I hope it will be paying off when I need it.

The problem is that many private hospitals only accept local insurer.

#1 private hospital do not accept my international expat insurance.

 

 

So would have to pay up-front for service and then make a claim back for insurance payback (which could take months)?  Have same issues in Thailand - and hospital may take one year and stop at any time (been there).  

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Over the next weeks I will write about Philippines, how it is to live here as a former Thai expat.   With the never ending visa changes in Thailand, I hope this will be helpful now for some

I don't think he started this thread to attract hecklers. There is a bigger world than only Thailand, or indeed Asean.

Visa: After the first 29 days on arrival, go to immigration and apply for 1 months extension. You can apply next day after arrival if you want. 3.120 peso 60$   After first 59 days in c

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50 minutes ago, ExpatPH said:

Regarding Pacific Cross, I think they exclude cancer, don't they?

 

 

Expat, thanks for the elaboration above re medical insurance and acceptance there... Very helpful, as have been all of your posts/contributions to this thread.

 

As for your question above, obviously, I have a Pacific Cross TH policy, not a Pacific Cross PH policy, and I have no way of knowing if they are the same or not. Also, Pacific Cross offers several different levels/prices of policies. Mine happens to be their upper-mid range Maxima policy.

 

So with those caveats, in looking at my policy, I noticed under outpatient coverage that it specifically includes chemotherapy and radiation treatments. And I don't see anything relating to cancer and such as an entry under the "general exclusions" exceptions.

 

The general exclusions stuff includes things like: checkups, vaccinations, AIDS and STDs, injuries from DUI or committing crimes, attempted suicide, hunting, conditions that pre-existed when the coverage was begun, vastectomy, plastic surgery, substance abuse rehab, dangerous sports, etc etc.

 

PS - I do know there are some OTHER Thai medical insurance policies that do specifically exclude cancer, even when it is diagnosed AFTER the policy has been in force.

Edited by TallGuyJohninBKK
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56 minutes ago, ExpatPH said:

seasoned expats adviced me to have Philhealth and 1-2 mill peso in savings, for hospital expences.

 

So, do you have any ability to comment on how easy or not it is for expats there to get a Philhealth policy as a new arriver, how inclusive the coverage offered is, and at what kind of premium prices?

 

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1 minute ago, ExpatPH said:

Bottom line:

Cebu #2 private hospital do accept my Intl expat insurance, so thats my option so far, but only for non life threatening conditions.

 

Which hospital are you referring to above?

 

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1 hour ago, mike787 said:

I have dealt first hand with both of those facilities in Cebu.  The training and standards in terms of medical training are far bellow what you would experience compared to Bumrungrad or Bangkok hospital. 

 

+1 Spot on.

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1 hour ago, ExpatPH said:

Banks and ATM in PH as one example. On paper is seems OK, when you 'in country', you realize how unreliable they are, how often they dont return card or give money, how often they are offline.  You strictly follow seasoned expats advice what ATM to use.

 

That's why I consider your advice here so valuable. The way things are supposed to work, or said to work, either in places like TH or the PH is not necessarily how they actually work in real life.  So direct, first-hand experience is so helpful.

 

I just wanted to call to your attention what the Visa and MC card networks were reporting, and see if you had any experience with what they say. And obviously, you do!

 

PS - I certainly concur, one of the last things you want to have happen as an expat is to have an ATM machine eat/swallow the home country bank card that you rely on for obtaining your funds and making POS purchases, because the replacement time and hassle can be considerable.

 

 

Edited by TallGuyJohninBKK
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32 minutes ago, lopburi3 said:

So would have to pay up-front for service and then make a claim back for insurance payback (which could take months)?  Have same issues in Thailand - and hospital may take one year and stop at any time (been there).  

 

Yes, that would be the case in most hospitals here.

 

And that is a bad option, after read reviews of international insurers, my own included. I worry they would not honor some / many insurance claims later on.

 

I aim only for direct billing with ahead approval, to avoid claim be denied.

 

I always try to play it safe, regarding Insurance, banks, ATM's, and visa.

 

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29 minutes ago, TallGuyJohninBKK said:

 

So, do you have any ability to comment on how easy or not it is for expats there to get a Philhealth policy as a new arriver, how inclusive the coverage offered is, and at what kind of premium prices?

 

 

All foreigners can get PhilHealth. I have it too for minor things. Foreigner only need passport, and 310$ per year, can pay either for 3 - 6 - 12 months. 

It's a basic insurance that one 'must have' before be admitted to hospital, or 300-500$ cash to be admitted in hospital.

PhilHealth pays +- 30% of your total bill, so its a bare basic local insurance. 

If you have intl insurance with direct billing, one doesnt need PhilHealth.

Still expats recommend it, for minor conditions.

 

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11 minutes ago, ExpatPH said:

PhilHealth pays +- 30% of your total bill, so its a bare basic local insurance. 

 

 

$300+ a year premium for local insurance that only pays about 30% of your bill?  Hmmmm.......

 

Hey Expat, just for comparison purposes, what the general price of just a routine doctor office visit at the private Cubu hospitals you've been talking about? Meaning including doctor visit fee, nursing charge, facility charge, etc etc?

 

Here in Thailand, at a midrange private hospital in BKK, you can have a basic doctor visit for about 1000 baht or $30 U.S. all in (not including any medicines or treatments). If you want to talk about the top end privates, that amount probably moves closer to 2000b or $65 U.S. (again, just to walk in the door and be seen).

 

Edited by TallGuyJohninBKK
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13 minutes ago, ExpatPH said:

Quick 5 min doctor visit 500 peso or 10$ incl prescription. No meds.

 

Longer 10-15 min doctor visit, examination, 1000 - 1500 peso or 20-30$

 

So are those prices you're quoting above for a doctor outpatient visit in a private hospital,

or

a doctor visit at the doctor's private practice,

or

same either way?

 

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3 minutes ago, TallGuyJohninBKK said:

 

So are those prices you're quoting above for a doctor outpatient visit in a private hospital,

or

a doctor visit at the doctor's private practice,

or

same either way?

 

 

Same similar rates.

 

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Whats aggravates me in Phillipines are those millions of jeepnies with their toxic 40 years old diesel engines killing poisining all pedestrians. Look at Cebu the real problem is lack of money. U get taxed for everything in Phillipines much more then in Thailand however the government there is always broke??

They make many beautiful infrastructure plans on computer animation screen for 200 pesos but thats it.

why Cebu doesnt have a BTS from Bantayan all the way till Badian etc? It will come but by that time we are all death and forgotten. Third bridge to lapu2x supposed to be ready 2 years ago hiwever construction started 4 months ago takes 4-5 more years.etc

a dangerous crossing instead of fixing that crossing they just block a whole street its a problem because now all traffic is stuck forever but the dangerous crossing situation  is fixed according to them..

 

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