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toshi

what is the best/cheapest health insurance for expats

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toshi

I'm doing some research for the best and cheapest insurance, 

 

I am looking for some experience from your guy's

 

i got quoted from 4 companies, and put a deductible in of about 1500-2500

 

here https://www.internationalinsurance.com/compare/global-medical.php a comparison website, 

 

here are 4 quotes 

 

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Edited by toshi
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senseless

It depends on if you're interested in having insurance AND still paying out of pocket. I am not interested in that. What is the point of insurance if you still need cash or credit to go to the hospital? They will let you die here. They don't care if you have a reimbursement health insurance plan. I only look at insurance companies where i pay $0 when i step into a hospital.

 

Pacific Cross

 

Blue Royal plan A with $0 deductible, no co-pay, and no reimbursement clause.. $1200/annual for 31-35 y/o & $1673/annual for 51-55 y/o

Blue Royal plan A has $500,000 USD annual coverage aggregate limit per year

 

 

Select Plus with Access S-Private with $0 deductible, no co-pay and no reimbursement clause.. 18K/annual for 31-35 & 30K/annual for 51-55 y/o

Select Plus with Access S-Private has 3M pesos annual coverage aggregate limit per year.

 

 

My family all has blue royal plan A. When we step into the hospital we show them the card and say the words 'private insurance' and they say 'right this way, Sir.'. There are horror stories with pacific cross and blue cross on this forum. Those members all have peso plans and they can be extremely stingy on peso plans always trying to not cover things. With the blue royal plan I've never experienced any issue ever. If they don't cover something they still pay the hospital and just send me a bill for it saying it wasn't covered. Fine by me.

 

If you check those companies you linked, they will all be by reimbursement only. The only company operating in the Philippines with no reimbursement clause that allows private accounts is pacific cross / blue cross.

Edited by senseless
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RogerDat

Blue Royal is owned by Pacific cross by your link, yet you say you have it, but it does not pay? Please clarify.

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TheWhiteKnight

It depends on if you're interested in having insurance AND still paying out of pocket. I am not interested in that. What is the point of insurance if you still need cash or credit to go to the hospital? They will let you die here. They don't care if you have a reimbursement health insurance plan. I only look at insurance companies where i pay $0 when i step into a hospital.

 

Pacific Cross

 

Blue Royal plan A with $0 deductible, no co-pay, and no reimbursement clause.. $1200/annual for 31-35 y/o & $1673/annual for 51-55 y/o

Blue Royal plan A has $500,000 USD annual coverage aggregate limit per year

 

 

Select Plus with Access S-Private with $0 deductible, no co-pay and no reimbursement clause.. 18K/annual for 31-35 & 30K/annual for 51-55 y/o

Select Plus with Access S-Private has 3M pesos annual coverage aggregate limit per year.

 

 

My family all has blue royal plan A. When we step into the hospital we show them the card and say the words 'private insurance' and they say 'right this way, Sir.'. There are horror stories with pacific cross and blue cross on this forum. Those members all have peso plans and they can be extremely stingy on peso plans always trying to not cover things. With the blue royal plan I've never experienced any issue ever. If they don't cover something they still pay the hospital and just send me a bill for it saying it wasn't covered. Fine by me.

 

If you check those companies you linked, they will all be by reimbursement only. The only company operating in the Philippines with no reimbursement clause that allows private accounts is pacific cross / blue cross.

 

Yeah but wouldn't you just put up a credit card along with the reimbursement card?  This is good to think about tho since I do have a reimbursement plan.

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HTM

Remember also to have PhilHealth, 2400 annual

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TheWhiteKnight

Remember also to have PhilHealth, 2400 annual

 

Yup. Got it. So cheap its worth having. Supposedly it works as your deposit if you are admitted.

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Sven

Pacific Cross

 

Blue Royal plan A with $0 deductible, no co-pay, and no reimbursement clause.. $

Thank you for this brochure. I have studied it, but can find no information about how it works in practice when you arrive at a hospital ..? The nearest they come is a mention of "swift reimbursements" as one of the supposed benefits (page 2)... which is not exactly promising.

 

I can only agree that what really matters is to have the hospital deal directly with the insurer, if you should need to arrive at a hospital for some unfortunate reason.

 

By the way, I see the terms "peso plan" and "dollar plan" come up often, when there is talk of insurance. Pacific Cross use them on their web site. What exactly are those terms supposed to mean?

Edited by Sven

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senseless

Thank you for this brochure. I have studied it, but can find no information about how it works in practice when you arrive at a hospital ..? The nearest they come is a mention of "swift reimbursements" as one of the supposed benefits (page 2)... which is not exactly promising.

 

I can only agree that what really matters is to have the hospital deal directly with the insurer, if you should need to arrive at a hospital for some unfortunate reason.

 

By the way, I see the terms "peso plan" and "dollar plan" come up often, when there is talk of insurance. Pacific Cross use them on their web site. What exactly are those terms supposed to mean?

 

When you walk into the hospital you hand them your card. When you're leaving they take your card and process it. Then they give your card back to you and you leave. You're supposed to ask for a receipt because they can try to overcharge your insurance and they never give me a receipt on this plan. I always ask for a receipt and they hook me up. That's it. You just walk in, give them the card, get your service, go to leave and pay as you normally would but with the insurance card. All in all takes about 5-10 minutes for them to process when I'm ready to leave.

 

The blue royal is a dollar plan. They give you coverage in USD amounts and charge you a bill in USD. The USD plans they offer have significantly more coverage than the peso plans.

 

The select plus with access is a peso plan. They give you coverage in PHP amounts and charge you a bill in PHP. The coverage is much less on the peso plan than the USD plan.

Yeah but wouldn't you just put up a credit card along with the reimbursement card?  This is good to think about tho since I do have a reimbursement plan.

 

For me in blue royal, no. I only need my health insurance card. They charge that and I do not ever pay a hospital a centavo directly from my own pocket. I've never used their select plus with access plan but I'm told and have read that it's the same. They pay through direct payment and there is no reimbursement process necessary -- They do offer reimbursement process if you need to use their insurance internationally. They cover you for 90 days if you leave the Philippines. With the blue royal plan B and C your insurance card is actually a CUSTOM MASTER CARD CREDIT CARD. It has the master card logo, a master card number (starts with 5, 16 digits) and all. My wife used to have the plan B.

 

Blue Royal is owned by Pacific cross by your link, yet you say you have it, but it does not pay? Please clarify.

 

Blue royal is an insurance plan not an insurance company. Pacific Cross used to be known as Blue Cross until they re branded themselves. Pacific cross is the insurance company. Blue Royal and Select Plus with Access are both health insurance plans offered by Pacific Cross.

 

I mentioned blue cross in case you wanted to look up what others say about it. They only changed the name of the company within the last year.

Edited by senseless
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rep1

William Russell's is insured by Allianz and seems cheaper than Allianz itself. But I have no idea what their role is.

 

All plans with semi-private room are not good as I read - many countries are getting rid of semi-private room now.

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ckfm

Pre-existing conditions is always a concern when you are above 50.

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Salty Dog

William Russell's is insured by Allianz and seems cheaper than Allianz itself. But I have no idea what their role is.

 

All plans with semi-private room are not good as I read - many countries are getting rid of semi-private room now.

 

If a hospital only has private rooms, many insurance plans will still pay for a private room, even if you have a semi-private room plan.

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billy

A+ International about $1350 per year with $1300.00 deductable  at 59 years of age part of Allianz covers eight  asian countries i think it covers  1 or 2 million dollars you can get 0 deductable add another thousand per year for insurance. i highly recomend them. you have to pay first then they reimburse you.

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Mikal

Remember also to have PhilHealth, 2400 annual

To be perfectly clear, that's PHP, right?

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HTM

To be perfectly clear, that's PHP, right?

yes, 200 monthly. you can pay 3, 6 or 12 months

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Jawny

Philhealth has a lot of advantages as a medical insurance. Other members can post their success stories as has been done in the past.

 

I'd like to point out one possible drawback for members who will have philhealth as well as other insurance. In particular, some insurance companies will require the claimant to make clear any other insurance used. This is typical in situations such as vehicular accidents where there may be insurance coverage with the registered vehicle.

 

I do not use philhealth because of the potential for delays. My main insurance coverage asks me to report if any other coverage is available and being used. This means I can find myself in a situation where I have to wait for philhealth to respond before I can expect any reimbursement from my regular insurance carrier.

 

I choose to have a cash reserve available for emergencies and get reimbursement sans philhealth involvement.

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Goetz1965

Blue Royal Plan A has some disadvantages 
Surgeon fee is only 30.000$ and Anesthesists Fee is only 40% of that - the private doctors usually charge you as an "americano" so that can be some hundred $ left to pay for you.

ECU package is not available - especially when youre older than 50 that should be done regularly - pay he 200$ yourself on this plus doctors consultaion afterwards or have it included ?

 

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TheWhiteKnight

A+ International about $1350 per year with $1300.00 deductable  at 59 years of age part of Allianz covers eight  asian countries i think it covers  1 or 2 million dollars you can get 0 deductable add another thousand per year for insurance. i highly recomend them. you have to pay first then they reimburse you.

 

I have them too but Senseless made a good point on why reimbursement is maybe not the way to go.

Philhealth has a lot of advantages as a medical insurance. Other members can post their success stories as has been done in the past.

 

I'd like to point out one possible drawback for members who will have philhealth as well as other insurance. In particular, some insurance companies will require the claimant to make clear any other insurance used. This is typical in situations such as vehicular accidents where there may be insurance coverage with the registered vehicle.

 

I do not use philhealth because of the potential for delays. My main insurance coverage asks me to report if any other coverage is available and being used. This means I can find myself in a situation where I have to wait for philhealth to respond before I can expect any reimbursement from my regular insurance carrier.

 

I choose to have a cash reserve available for emergencies and get reimbursement sans philhealth involvement.

 

And what carrier/plan is that? Is it a re-reimbursement plan?

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Jawny

Yes, it is a reimbursement plan. Not a public offering, from an employer.

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Mikal

Philhealth has a lot of advantages as a medical insurance. Other members can post their success stories as has been done in the past.

 

I'd like to point out one possible drawback for members who will have philhealth as well as other insurance. In particular, some insurance companies will require the claimant to make clear any other insurance used. This is typical in situations such as vehicular accidents where there may be insurance coverage with the registered vehicle.

 

I do not use philhealth because of the potential for delays. My main insurance coverage asks me to report if any other coverage is available and being used. This means I can find myself in a situation where I have to wait for philhealth to respond before I can expect any reimbursement from my regular insurance carrier.

 

I choose to have a cash reserve available for emergencies and get reimbursement sans philhealth involvement.

Sure, good point.  At 50 USD per-year it's a card that I think is worth having, even if I'm not going to play it every hand.

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TheWhiteKnight

Yes, it is a reimbursement plan. Not a public offering, from an employer.

 

Well in that case you wouldn't have to wait to hear back from Phil-health before they will act. You are paying upfront for everything anyway, so you'd pay your bill minus whatever PH covered and then you would submit the rest to your insurance company, and they would be quite happy to see PH already took a bite out of it.

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Jawny

Well in that case you wouldn't have to wait to hear back from Phil-health before they will act. You are paying upfront for everything anyway, so you'd pay your bill minus whatever PH covered and then you would submit the rest to your insurance company, and they would be quite happy to see PH already took a bite out of it.

My insurance will not pay for a claim until there is clarification what was paid (or not paid) by another insurance. So, I would pay upfront, as described. But, my reimbursement will wait until I receive confirmation of what was paid (or not paid). That means a wait on philhealth followed by a wait from my own insurance. It is for this reason I choose to not get philhealth. Members of my family have had to wait months to receive compensation from philhealth for their expenses.

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Thorvald

What is the monthly cost of Phil health for a a Filipina spouse?

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ckfm

What is the monthly cost of Phil health for a a Filipina spouse?

 

If she has no work or income it's 200/month and she can add you but (and children) there is a waiting time of 3 month I think, she can enroll online but has to add you personally - at Phil health main office here in wireless Mandaue, no waiting time there or not much. Dues can be paid every 3 months at the END of each quarter the latest at any SM or other store where they accept payments.

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TheWhiteKnight

My insurance will not pay for a claim until there is clarification what was paid (or not paid) by another insurance. So, I would pay upfront, as described. But, my reimbursement will wait until I receive confirmation of what was paid (or not paid). That means a wait on philhealth followed by a wait from my own insurance. It is for this reason I choose to not get philhealth. Members of my family have had to wait months to receive compensation from philhealth for their expenses.

 

Wow. I thought PH pays at the time of service, I had no idea it was a reimbursement plan on its own, wtf.

If she has no work or income it's 200/month and she can add you but (and children) there is a waiting time of 3 month I think, she can enroll online but has to add you personally - at Phil health main office here in wireless Mandaue, no waiting time there or not much. Dues can be paid every 3 months at the END of each quarter the latest at any SM or other store where they accept payments.

 

I wouldn't hassle with that, best to just pay for the whole year at once.

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Lost

I chose Cigna expat insurance over a Filipino company when I first lived over here, I figured how could I go wrong with a major company like Cigna. What a waste of $$ that was. They claim to have preferred partners here including St Lukes, but they didn't accept it. Also when I tried to cancel the plan they kept charging me and I had to dispute it with my bank. I will go with Pacific Cross if the US govt. stops making me pay for Obamacare.

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