1. What are the available health insurance options and plans for expats in Philippines?

There are several health insurance options and plans available for expats in Philippines:

1. Local Health Insurance Plans: These are insurance plans offered by local companies in the Philippines. They vary in coverage, cost, and benefits.

2. International Health Insurance Plans: These are insurance plans offered by multinational health insurance companies that provide coverage in the Philippines as well as worldwide.

3. Employer-provided Health Insurance: Many employers in the Philippines offer health insurance as part of their employee benefits package.

4. PhilHealth: This is a national health insurance program for citizens and permanent residents of the Philippines that provides basic healthcare coverage at government hospitals.

5. HMOs (Health Maintenance Organizations): These are private health insurance providers that offer comprehensive coverage at a fixed cost.

6. Personal Insurance Policies: Expats can also opt to purchase personal insurance policies from companies outside of the Philippines that provide international coverage.

2. What does Philippine Health Insurance Corporation (PhilHealth) cover?

PhilHealth is a national health insurance program that primarily covers hospitalization costs for citizens and permanent residents of the Philippines. It also provides some limited coverage for outpatient consultations and procedures, preventive care, and maternity care.

Specific benefits covered by PhilHealth include:

1. Inpatient hospitalization expenses such as room and board, medicines, laboratory tests, and procedures

2. Outpatient consultations and diagnostic tests, up to a certain limit

3. Preventive services such as vaccinations and regular check-ups

4. Maternity care including prenatal visits, childbirth delivery, and postnatal care for both mother and child

5. Coverage for specified non-hospitalization procedures such as dialysis, chemotherapy, and radiotherapy

6. Subsidized rates for medicines purchased from accredited retail outlets

3.What is NOT covered by PhilHealth?

While PhilHealth offers basic healthcare coverage for Filipinos citizens and permanent residents, there are certain medical services not covered by the program:

1. Non-emergency or elective procedures such as cosmetic surgery

2. Services received from non-accredited healthcare providers

3. Consultations or procedures for conditions deemed as pre-existing by PhilHealth

4. Medicines and supplies not on the list of covered benefits

5. Procedures used for fertility treatments or contraception methods

6. Medical tourism, or travel for the purpose of seeking medical treatment outside of the Philippines

4. Is it mandatory for expats to have health insurance in the Philippines?

It is not mandatory for expats to have health insurance in the Philippines, but it is highly recommended. Expats who do not avail themselves of a local Philippine Health Insurance Corporation (PhilHealth) membership may be required to pay higher fees for certain medical services.

Furthermore, having health insurance can provide peace of mind and protect against unforeseen medical expenses, which can be quite costly in the Philippines.

5. How much does health insurance cost in the Philippines?

The cost of health insurance in the Philippines varies depending on factors such as age, pre-existing conditions, coverage limits, and type of plan chosen.

On average, a basic local insurance plan can cost around US$200-500 annually per person, while more comprehensive international plans can range from US$1,000-2,000 annually per person.

Employer-provided plans may cover a portion or all of these costs as part of their employee benefits package.

6. Can I use my home country’s health insurance in the Philippines?

Whether you can use your home country’s health insurance in the Philippines depends on your specific policy and provider.

Some international health insurance plans offer worldwide coverage and will cover medical expenses incurred while living abroad, including in the Philippines.

However, it is important to check with your insurer beforehand to confirm if they provide coverage in the Philippines and what specific services are covered under your policy.

7. Can I buy health insurance after moving to the Philippines?

Yes, you can purchase health insurance after moving to the Philippines. However, it is important to note that some insurance providers may have certain eligibility requirements and exclusions for pre-existing conditions.

It is recommended to research and purchase health insurance before moving to the Philippines, if possible, to ensure coverage for any immediate medical needs.

2. Is it mandatory for expats to have health insurance in Philippines?

Yes, it is mandatory for expats to have health insurance in the Philippines. According to Executive Order No. 192 issued by the Philippine government, all foreign nationals working or studying in the country are required to have adequate health insurance coverage for the duration of their stay in the Philippines.

3. What is the average cost of health insurance for expats in Philippines?

The average cost of health insurance for expats in the Philippines can range from $100 to $300 per month, depending on coverage and individual factors such as age and health status. Prices may also vary depending on the insurance provider, so it is best to research and compare different options before making a decision.

4. Are there any government-sponsored health insurance programs for expats in Philippines?

Yes, the Philippines has a national health insurance program called the Philippine Health Insurance Corporation (PhilHealth). This program provides affordable healthcare coverage to all Filipino citizens and some permanent residents, including expats. Employers are required to enroll their employees in PhilHealth and self-employed individuals and overseas workers can also voluntarily enroll. PhilHealth offers various packages for different levels of coverage, including inpatient care, outpatient care, emergency care, and other health services. Expats who are not eligible for PhilHealth can also purchase private health insurance plans from local or international providers.

5. Can I use my home country’s health insurance while living in Philippines?

It is not recommended to use your home country’s health insurance while living in the Philippines. This is because most international health insurance plans have limited coverage within certain countries and may not cover all medical expenses incurred outside of your home country. It is best to obtain a comprehensive health insurance plan specifically designed for living in the Philippines, or consider purchasing a local health insurance plan.

It is also important to note that some hospitals and healthcare facilities in the Philippines do not accept foreign health insurance and may require payment upfront before providing treatment. Therefore, it is necessary to research and understand the healthcare system and options available in the Philippines before relying on your home country’s health insurance.

6. How does the healthcare system work for expats in Philippines?

The healthcare system in the Philippines is a combination of public and private providers. Expats can access both options, but it is recommended to have private health insurance for better quality care.

If you are covered by a private health insurance, you can go directly to a private hospital or clinic for treatment. You may need to pay upfront and then claim the expenses back from your insurance provider.

If you do not have private health insurance, you can avail of government-funded healthcare through the Philippine Health Insurance Corporation (PhilHealth). This provides coverage for basic health services at designated public hospitals and clinics.

In an emergency situation, expats can go to any hospital regardless if it is public or private. However, non-emergency treatments in public hospitals may involve longer wait times and limited facilities.

It is also common for expats to have a personal doctor or specialist who they consult with regularly for their healthcare needs. These doctors usually work in private clinics or hospitals and charges vary based on their expertise and location.

Overall, the healthcare system works well for expats in the Philippines as long as they have adequate insurance coverage or are able to pay out-of-pocket for services.

7. Do I need to have a certain level of income to be eligible for health insurance as an expat in Philippines?

There is no specific income level required to be eligible for health insurance as an expat in the Philippines. However, your premium may be based on your income and/or the type of coverage you choose. It is best to check with different providers to find a plan that fits your needs and budget.

8. Are pre-existing conditions covered under the expat health insurance plans in Philippines?

Yes, pre-existing conditions are typically covered under expat health insurance plans in Philippines. However, coverage may vary depending on the specific policy and provider. It is important to carefully review the details of your policy to determine what pre-existing conditions are covered and any limitations or restrictions that may apply.

9. What is the process of applying for health insurance as an expat in Philippines?

1. Determine your eligibility: Before applying for health insurance in the Philippines, it is important to determine if you are eligible for coverage. This can vary depending on your nationality and visa status.

2. Research insurance providers: Once you have determined your eligibility, research different insurance providers in the Philippines to find one that offers the coverage and benefits that meet your needs and budget.

3. Gather necessary documents: Before applying for health insurance, make sure to gather all relevant documents such as proof of identity, visa or work permit, and any medical records from your previous insurance provider.

4. Fill out application forms: Most insurance providers will have online application forms that you can fill out. Make sure to provide accurate information about yourself, including contact details and medical history.

5. Choose a plan: Based on your needs and budget, choose a health insurance plan that suits you best. Plans can vary in benefits and premiums so it is important to carefully review them before making a decision.

6. Provide payment: Depending on the insurance provider’s policies, you may be required to pay an initial premium upon enrollment or upon submission of your application form.

7. Wait for approval: After submitting your application form and payment, wait for approval from the insurance provider. This can take anywhere from a few days to a couple of weeks.

8. Receive your policy documents: Once approved, you will receive your policy documents which will outline your coverage and benefits in detail.

9. Utilize services when needed: Make sure to read through your policy documents thoroughly so that you understand what services are covered under your plan. In case of any medical emergencies or need for healthcare services, contact the designated hotline provided by the insurer or visit an accredited hospital or clinic to avail of their services with minimal out-of-pocket expenses.

10. Are routine check-ups and preventative care covered under expat health insurance plans in Philippines?

Yes, most expat health insurance plans in Philippines cover routine check-ups and preventative care services. This may include regular screenings, vaccinations, and wellness visits. However, coverage may vary depending on the specific insurance plan and provider. It is important to carefully review the coverage details of your chosen plan to ensure that routine check-ups and preventative care are included.

11. Can I choose my own doctor or hospital with the provided health insurance options in Philippines?

This depends on the specific health insurance plan you choose in the Philippines. Some plans may have a network of preferred providers that you must use in order to receive full coverage, while others may allow you to choose any doctor or hospital within a certain network or offer out-of-network coverage. It is important to carefully review your plan’s terms and limitations before enrolling.

12. What documents do I need to provide when applying for health insurance as an expat in Philippines?

When applying for health insurance as an expat in the Philippines, you will typically need to provide the following documents:

1. Passport or any proof of identification
2. Visa or proof of legal residency in the Philippines
3. Medical history and any pre-existing conditions
4. Employment contract or proof of regular income
5. Proof of address in the Philippines
6. Birth certificate (if applicable)
7. Marriage certificate (if applicable)
8. Bank statements or proof of financial stability
9. Work permit (if applicable)
10. Police clearance (may be required by some insurers)
11. Any other relevant medical documents or reports.

Keep in mind that the specific requirements may vary depending on the insurance provider and plan you are applying for, so it’s best to check with them directly to confirm what documents are needed for your application.

13. Do I have to pay upfront for medical treatments or will my claims be reimbursed by the insurer?

It depends on the specific policy and its coverage. Some policies may require you to pay upfront for medical treatments and then submit a claim for reimbursement from the insurer. Others may have a direct billing arrangement where the insurer pays the medical provider directly. It is important to carefully review your policy and understand how claims are handled before seeking medical treatment.

14. Are prescription drugs covered under expat health insurance plans in Philippines?

It depends on the specific expat health insurance plan. Some plans may include coverage for prescription drugs, while others may not. It is important to check with your insurance provider to see what is covered under your specific plan.

15. In case of emergencies, does the health insurance cover medical evacuation expenses?

It depends on the specific health insurance plan. Some plans may include coverage for medical evacuation in case of emergencies, while others may not. It is important to carefully review the details of your health insurance plan to determine if it covers medical evacuation expenses. If it is not included, you may be able to purchase additional travel insurance that includes this coverage.

16. Are dental and vision care included in expat health insurance plans in Philippines?

Many expat health insurance plans in Philippines include dental and vision care as optional perks that can be added on for an additional cost. Some plans may also offer basic dental and vision coverage as part of their standard benefits package. It is important to carefully review the details of each plan to determine what services are included and what may require additional coverage or out-of-pocket expenses.

17. How long does it take to get coverage after purchasing a plan as an expat in Philippines?

This will vary depending on the specific insurance plan and provider you choose, as well as your personal circumstances. In some cases, coverage can begin immediately after purchasing a plan, while in others it may take a few days or weeks to process your application and activate your coverage. It’s important to carefully review the details of any insurance plan you are considering to understand when coverage begins and what steps you need to take to start using your benefits. Some providers may also offer expedited processing options for an additional fee if you need coverage to start quickly.

18. Can I tailor my coverage based on my specific needs and budget as an expat living in Philippines?

Yes, many insurance companies offer customizable coverage options for expats based on their specific needs and budget. It is important to discuss your requirements with an insurance agent or broker to find a policy that best suits you and your lifestyle in the Philippines. Depending on the company and policy, you may be able to choose the type of coverage, level of coverage, deductibles, and add-on services that fit your needs and budget.

19.For how long can I keep my international/expat health insurance if I decide to leave Philippines and move to another country?

The length of time you can keep your international/expat health insurance will depend on the specific policy and insurance provider. Some policies may have a minimum and maximum coverage period, while others may allow you to renew your coverage annually. It is important to check with your insurance provider for the specific details of your policy and any applicable restrictions or limitations.

20. Are there any exclusions or limitations on coverage for expats in Philippines?

Most expat health insurance plans in the Philippines have some exclusions and limitations on coverage, such as pre-existing conditions, high-risk activities, or certain types of treatments. It is important to carefully review your insurance policy to understand these exclusions and limitations before purchasing coverage. Some plans may also have age restrictions or limitations on coverage for specific medical conditions. Additionally, most plans will only cover medically necessary treatment and not elective procedures unless specifically stated in the policy.