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Health Insurance in Cebu which is best and more affordable for fixed lower income expat?

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I'm sure there are variables that determine how much Phil Health pays.  My gf stayed in a ward, not a private room, and she had pneumonia.  I have heard that some hospitals may determine prices based on what type of accomodation you choose.  Also, she was told her coverage was better because she is registered with PH as a private member, not part of an organization or business.  I really don't know for sure how much these factors affected her coverage, but PH paid more than 60% of the bill and I'm not complaining!  I'm afraid to ask because they might want it back, LOL!


Ive got a feeling you may be right. Next time she can stay in a ward!!

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