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Malibu posted a topic in Insurance: Health / Medical, Life, Home, Auto, Etc.Questions to fellow expats in RP. Do you have a local medical insurance, or international medical insurance for expats? Or do you self insure, and how much do you feel is adequate? From my extensive research, local insurers don't cover cancer and more. Please correct me, if this is wrong. They also very restrictive to exclude pre excisting conditions. Some international insurance for expats cover these things, plus coverage after 65 years old, for a premium 150-600$ - a month! Local private hospitals can fast run up a bill of 30 - 50000 peso per day, much more when a operation is needed. Serious traffic accident + ICU 1.5 MILL + Heart bypass around 1 MILL. Do you have minimum of 1 Million peso or more saved up for this, or what Insurance company will cover you?
Ok, another question about Health/Medical Insurance here in Philippines It appears Phil Health is the cheapest basic but here is what I am hearing and reading from other expats and the Philippine News sources on Internet. I am hearing the Phil health is starting to blame all illnesses on the patients pre existing (no matter what) unless of course it is something obviously different. For example I have had 2 strokes since 2002, so if I go in not feeling well or sick they are going to say "well we have to investigate as your illness may be due to one of your strokes. Now I have always had Normal Blood pressure all my life even though I am FAT............(large and more physical when I was younger) but if I went in with my heart hurting or fast and high blood pressure (even though my first stroke was caused by a blood clot that the VA did not find that broke loose in a damaged leg 'not service connected')...Phil Health will put off paying and delay saying that my heart problem might be due to my pre existing stroke). So if this is the case then is it really worth then money I would put out on the insurance if they are just going to find a reason NOT to pay?