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Philippines 2019 for new expats


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5 minutes ago, lopburi3 said:

In Cebu city both Chong Hua (probably best known) and Doctors Hospital are considered good facilities - but again will not be as modern as Bangkok hospitals (although Chong Hua has opened a second facility in the eastern part of city which is not heavily used and appears to be more modern).  Believe if you have the money you can get the care.  

 

When it comes to this kind of stuff, I'm less interested in the facility per se, and whether it's shiny and new vs old and not so shiny...

 

But instead...

#1. How skilled and knowledgeable are the doctors at diagnosing and treatment?  I.e., can you find and patronize smart and effective doctors?

 

#2. What's the availability of the necessary medicines and treatment/diagnostic tools (like CAT scanners, etc) to allow them to do their profession?

 

Edited by TallGuyJohninBKK
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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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17 hours ago, Destiny1990 said:

Will ur decision to relocate to the Philippines solely depend on the presence of a bum gun? 

Yes! Fortunately however, all hotels and condos I've seen (many) had them. Even Manila airport has them (unlike BKK airports!).

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16 hours ago, TallGuyJohninBKK said:

 

That's a fairly different portrayal than what Expat summarized in his main medical care post early in this thread.

 

I have no personal experience on that particular subject, so I'm relying on him or you or others who are closer to it than me.

 

If your comment is accurate -- "If you have insurance believe you can obtain good medical service in major cities. including Cebu" -- then I'd have a different opinion. But that seems a very different summary from the one Expat laid out.

 

I have pretty good private medical insurance I've always paid for in Thailand -- wouldn't live here without it. And would be of the same mind if I was ever to end up in the Phils.  But the question remains, what kind of medical care do I have the potential to get with that insurance and how broadly is it available (in other words, gotta go to Manilla, or can be had in outlying cities like Cebu)...

 

What I already wrote here was from my personal experience when admitted to a few hospitals.

 

To Lopburi3:

 

When was your last visit to Philippines?

When was the last time you was admitted to a hospital here, and was it a serious condition and diagnose?

 

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14 minutes ago, ExpatPH said:

 

What I already wrote here was from my personal experience when admitted to a few hospitals.

 

To Lopburi3:

 

When was your last visit to Philippines?

When was the last time you was admitted to a hospital here, and was it a serious condition and diagnose?

 

I thought I had clearly stated I did not have experience in hospitals of Philippines (although lived there 5 years in the past).  I base my post on what I have read currently from others and checking on facilities on internet, including youtube videos and tried to present as such; my opinion.  It was not intended to say you were wrong in your opinion - just that my take is a bit different.  I have also not used facilities in Cambodia but would consider them lower than Philippines from reporting I have read.  And yes I likely will die of cancer also and do not expect the quality of Thai hospitals to make much of a difference.

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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.

 

 

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7 minutes ago, lopburi3 said:

I thought I had clearly stated I did not have experience in hospitals of Philippines (although lived there 5 years in the past).  I base my post on what I have read currently from others and checking on facilities on internet, including youtube videos and tried to present as such; my opinion.  It was not intended to say you were wrong in your opinion - just that my take is a bit different.  I have also not used facilities in Cambodia but would consider them lower than Philippines from reporting I have read.  And yes I likely will die of cancer also and do not expect the quality of Thai hospitals to make much of a difference.

 

Thanks for your clarification.

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56 minutes 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.

 

Re not accepting intl insurance, are you talking about the #1 private hospital in Manila, or the top private in Cebu?

 

Quote

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

 

Expat, I think you or someone mentioned Pacific Cross earlier.... I have a Pacific Cross Thailand policy with pretty much worldwide cover, except for a few exceptions like the U.S. It sounds like they have an affiliate in Phils, as I know they operate in several other Asian countries as well.

 

I wonder if your local hospitals would accept my Pac Cross TH policy as a local one because of that..... I know my Pacific Cross TH policy would include coverage in the Phils, if the hospitals there would accept it.

 

BTW, these kinds of insurance acceptance issues, if correct, would potentially add another killer strike for me regarding PHs, above and beyond the previously discussed issues of medical care quality and availability.

 

Edited by TallGuyJohninBKK
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To TallGuyJohninBKK

You do excellent thorough research of alternative destinations. 

 

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.

Imagine you insert your Visa Master card, and the ATM dont return the card. All banks later return cards to issuer bank, worldwide.

You have to cancel old card and order a new card from home, and it will take 2 weeks before DHL deliver it.

We don't dare try out any other ATM, unless it comes with approval from another expat. Very few ATM comes with expat approval, why many of us are willing to travel to one ATM we can trust, and mostly online.

ATM might have Cirrus Visa Master logo, still when you insert card, nothing happen, card are kept, or returned but no money. Those who work mostly have limit 10000php only 190$. I would not spend time repeat this, unless this is a real issue for us.

Expats open local bank account, so we seldom need to use our Visa card anymore, it becomes a back up if we need instant cash, rather than wait 1-2 day for bank online transfer to arrive in local account.

Open local bank account, transfer online, avoid these problems.

 

Hospitals, doctors, care are another example.

On paper they seem good. What is does not tell you, is how overloaded private hospitals are, same all public hospitals. It does not tell you lack of nurses in hospitals, in a country with 400.000+ unemployed licensed nurses.

Private hospitals here are strictly business, more than in TH, with strong control on expences, and are run with a bare minimum of doctors and nurses.

 

#1 private hospital in Cebu do not accept international expat insurance anymore, only local insurer. This I got directly from their office.

 

Pacific cross PH is recommended by expats as the best local insurer. Since its expats #1 local insurer, I would assume that some of the top private hospitals accept it, direct billing not sure, so this is 2nd hand info.

 

Email Pacific Cross PH for accurat list of hospital they have direct billing with. Think #2 in Cebu is on their list.

Email Pacific Cross TH, they will give you spesific answers 1st hand. 

Sorry I can't be more spesific since I use Intl insurance, for higher limits and broader coverage, than Pacific Cross.

 

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Insurance acceptance issues is something i have been working on last year, because I got confusing answers when email hospitals and insurers.

#1 private hospital Cebu said they dont accept anymore, did in the past. I was shown a short list they accept, all was local insurers.

I assume Intl insurer will honor claim afterwards, but shorten the bill, since private hospitals in Cebu has very high rates.

 

#2 private hospital Cebu said they do accept some International insurance, incl direct billing. When I asked for a list of insurance they do accept, I could not get it.

I then requested my Intl insurance company for a list of PH hospitals they accept, and Cebu #2 private hospital was on their list, including direct billing. Also some top Manila private hospitals.

 

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

They added that they would fly to Thailand instantly for most serious conditions, if possible.

 

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

 

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1 hour ago, TallGuyJohninBKK said:

 

Re not accepting intl insurance, are you talking about the #1 private hospital in Manila, or the top private in Cebu?

 

 

Expat, I think you or someone mentioned Pacific Cross earlier.... I have a Pacific Cross Thailand policy with pretty much worldwide cover, except for a few exceptions like the U.S. It sounds like they have an affiliate in Phils, as I know they operate in several other Asian countries as well.

 

I wonder if your local hospitals would accept my Pac Cross TH policy as a local one because of that..... I know my Pacific Cross TH policy would include coverage in the Phils, if the hospitals there would accept it.

 

BTW, these kinds of insurance acceptance issues, if correct, would potentially add another killer strike for me regarding PHs, above and beyond the previously discussed issues of medical care quality and availability.

 

Nobody is even trying to convince u to relocate to the Phillipines . Enjoy the 5 star Thai hospitals with their double and triple pricing for farangs and where at most only the cashiers can speak a few words of English. if that’s important to you.

 

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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. 

 

But I think the bottom line question is, with your experience, would you go to either of those two hospitals in Cebu and feel comfortable being treated there for something more than a minor and/or obvious medical problem? And would they accept your insurance for payment? What's the bottom line verdict?

 

Just by comparison, here in Thailand, I rarely go to either Bumrungrad or Bangkok Hospitals. But there are other, mid range and mid price hospitals where IMHO you can get perfectly decent care from good, competent doctors at a reasonable price, especially if you pick your doctors carefully.

 

Also, I rarely run into any issues about availability of routine medicines (though I know some cutting-edge U.S. stuff isn't available here)... And insurance acceptance by the private hospitals is NOT a problem. So, that's all I need....

Edited by TallGuyJohninBKK
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