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Expat Health Insurance and Healthcare in Philippines

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An expat in the Philippines advises expats to get health insurance if they can afford it, but warns that it's difficult to get if you are already over 60. He explains that private hospitals have astronomic bills compared to public.

Expat-Health-Insurance-and-Healthcare

Expat Healthcare Advice

If you can afford it, get health insurance, but the rates are higher the older you are, and if your over 60 they go through the roof, that's if they will insure you.

Be aware that many doctors here, who will charge you in excess of the regular charge as a "skin tax" as we are perceived to be able to afford it.

Also hospitals will add on extra's not necessary, ie, they always insist on a drip, but it only contains saline solution. Extras like artificial limbs are difficult to have maintained here, its only in Manila or Cebu where there are facilities to have these repaired or replaced, but the quality and expertise is poorer, usually using 2nd hand appliances from abroad. In Manila there is a private house where European standards are maintained, but it is the most expensive you will encounter.

Emergency Medical Care

Local Emergency hospitals are normally for maternity so no xray's just a bed and a couple of nurse. Broken arms etc are transferred to nearest public hospital, but their conditions are very, very 3rd world and you could wait for hours to be attended. Also you must have cash up front before anything is done ie, xrays etc.

Private hospitals are faster and better conditions, but are expensive, and again cash or credit card is necessary up front. You will not be allowed to leave the hospital until full payment is made. Locals can leave after signing promissory notes. This is breaking the law, but hospitals still carry on this practice regardless.

Also doctors here carry drugs given by reps' they will sell you these, and also try to sell drugs that are not available from the drugs store. These are expensive, and I suspect some are ersatz. If you are unfortunate to be involved in an accident, they will send you to the nearest hospital, if you are not coherent, they will not treat you until a family member comes up with the payment details. You could die while waiting, but that is not their concern.

The doctors Hippocratic oath only applies in the Philippines if you can pay for the services, doctors says they did this as its an investment to a comfortable life. The standards of their training is not so good either, that's why when they go abroad to work its usually as nurses, but only after they did some retraining.

Expat Health Insurance in Philippines

Expats interested in expat health insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.

Quality of Healthcare in Surrounding Area

This would normally be in private hospitals in Manila, where charges are double from the local hospitals. Some of these hospitals are American style, but have astronomic bills to match. Again their practice is to load the bill. The doctors always try to refer other doctors to see you, again all this is chargeable to you. Payment upfront is required -- even when you are involved in an accident, sent to the ER and incoherent. They will wait for your family to arrive with cash or a credit card regardless of your condition.

Prescription Medicines

Common prescription drugs are available in a number of chemists, but cheaper is generics small stores, but these do not stock everything but the most common, but are located everywhere. Mercury Drug is country wide, and have the largest stocks, but their prices are higher.

Expats living in Philippines interested in expat health insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA. Get a Quote

Expats living in Philippines interested in expat health insurance should take a minute to get a quote from our trusted expat health insurance partner, CIGNA.

Cigna Expat Health InsuranceExpatriate Health Insurance

Get a quote for expat health insurance in Philippines from our partner, Cigna Global Health.
Get a Quote

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Debugging Information
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Time Stamp 15-Jul-20 01:52 PM
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getmarker (Datasource=tipripper, Time=0ms, Records=0) in /home/www/html/eetr/tiphealthcare.cfm @ 13:52:44.044
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FROM natads, natadPlacement
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and headerparagraphend > "2020-07-14"
and headerparagraphstart < "2020-07-15"
and headerparagraphstatus = 'live'

and (headerparagraphweight = 'medium' or headerparagraphweight = 'high' or headerparagraphweight = 'low')
getnatadtopull (Datasource=expert, Time=0ms, Records=1) in /home/www/html/nativerotationtop_tester13.cfm @ 13:52:44.044
SELECT *
FROM natadoptions 
WHERE 'hisentence' = tag
getreportnetworks (Datasource=expert, Time=1ms, Records=1) in /home/www/html/nativerotationtop_tester13.cfm @ 13:52:44.044
	Select *
	From Networks
	Where networkid = 90 
getnatadtype (Datasource=expert, Time=0ms, Records=1) in /home/www/html/nativerotationtop_tester13.cfm @ 13:52:44.044
SELECT *
FROM natadoptions 
WHERE natadtypeid = 2 
getnatadbottom (Datasource=expert, Time=1ms, Records=1) in /home/www/html/nativerotationtop_tester13.cfm @ 13:52:44.044
SELECT resourceid, natsentence as adcode,  natsentenceweight, natads.natadid
FROM natads, natadPlacement
WHERE natsentencetype = 2
and natadPlacement.networkID = 90
and natadPlacement.natadid = natads.natadid
and natsentenceend > "2020-07-14"
and natsentencestart < "2020-07-15"
and natsentencestatus = 'live'

and natsentenceweight = 'high'
getnatadbottom (Datasource=expert, Time=0ms, Records=1) in /home/www/html/nativerotationtop_tester13.cfm @ 13:52:44.044
SELECT resourceid, natsentence as adcode, natsentenceweight, natadid
FROM natads 
WHERE natadid = 46
and natsentencetype = 2 
gettaxgeneral2 (Datasource=expert, Time=5ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	Select title, hitopic, hidescript, author, articles.articleID, hiimg, summary, authorurl, hpimg
	From articles, articlePlacement, articleCategories
	Where hitopic <> ''
	and articlePlacement.networkID = 90 
	AND articlePlacement.articleID = articles.articleID
    and articleCategories.articleID = articles.articleID
    and articleCategories.articleID = articles.articleID
    	and hidescript <> ''
    and type = '3'
   and articleCategories.section = '9'
    and articles.topic <> 'Weekly Quizzes'
   	and articles.topic <> 'Weekly Quizzes: Answers'
    and general <> 'bb'
    
    and hpimg <> 'none'
    and summary <> ''
    and (articles.author = 'Betsy Burlingame' or articles.author = 'Joshua Wood')
    and publishdate < "2020-07-15"
     ORDER by articles.sectionintro DESC, articles.articleID desc 
 
gethospitals (Datasource=expert, Time=5ms, Records=0) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	Select title, hitopic, hidescript, author, articles.articleID, hiimg, summary, authorurl, hpimg
	From articles, articlePlacement, articleCategories
	Where hitopic <> ''
	and articlePlacement.networkID = 90 
		and (((title LIKE '%hospital%') OR (hitopic LIKE '%hospital%') OR (hidescript LIKE '%hospital%')))
	AND articlePlacement.articleID = articles.articleID
    and articleCategories.articleID = articles.articleID
    and articleCategories.articleID = articles.articleID
    	and hidescript <> ''
    and type = '22'
   and articleCategories.section = '9'
    and articles.topic <> 'Weekly Quizzes'
   	and articles.topic <> 'Weekly Quizzes: Answers'
    and general <> 'bb'
    
    and (articles.author = 'Betsy Burlingame' or articles.author = 'Joshua Wood')
    and publishdate < "2020-07-15"
     ORDER by articles.title
 
GetClassifieds (Datasource=tipripper, Time=11ms, Records=3) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT *
FROM allreports, Networks, answers
WHERE allreports.rid = 100
and Networks.networkid = allreports.networkid
and allreports.topicid = 7
and hide <> 'y'
and allreports.networkid = 90 
and answers.answerid = allreports.answerid
and answers.reviewed = 'y'

    ORDER by allreports.answerid asc   
    
getslugs (Datasource=tipripper, Time=0ms, Records=1, Cached Query) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT *
FROM topics
WHERE topicid = 7 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65939 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65939 
getphotos (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 65939 
getlocationtag1 (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65942 
getphoto (Datasource=tipripper, Time=1ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65942 
getphotos (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 65942 
getlocationtag1 (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 78960 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 78960 
getphotos (Datasource=reports, Time=0ms, Records=0) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 78960 
getlocationtag1 (Datasource=tipripper, Time=1ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65939 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65939 
getphotos (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 65939 
getlocationtag1 (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65942 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65942 
getphotos (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 65942 
getlocationtag1 (Datasource=tipripper, Time=1ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 78960 
getphoto (Datasource=tipripper, Time=1ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 78960 
getphotos (Datasource=reports, Time=0ms, Records=0) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT DISTINCT summary, hiimg
FROM answers 
WHERE answers.answerid = 78960 
getlocationtag1 (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
SELECT shortname, networkname, networkid
FROM Networks
WHERE networkid = '90'
checkbabyfeature (Datasource=expert, Time=5ms, Records=3) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
		Select networkname as ctry, city, networkid, rid, networkname, answerid
		FROM allreports
         where rid = 88
      
         and networkid = 90 
         and city <> ''
         order by date DESC
getsummary (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcaremobile.cfm @ 13:52:44.044
		Select summary, hiimg 
		FROM answers
         where answerid = 75931
         and summary <> ''
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65939 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65939 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65942 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65942 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 78960 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 78960 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65939 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65939 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 65942 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 65942 
getbrief (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT summary as answer
	FROM answers
	WHERE answerid = 78960 
getphoto (Datasource=tipripper, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
	SELECT DISTINCT summary, hiimg as photo
	FROM answers 
	WHERE answers.answerid = 78960 
getsummary (Datasource=reports, Time=0ms, Records=1) in /home/www/html/navcontentboxhealthcarepc.cfm @ 13:52:44.044
		Select summary, hiimg 
		FROM answers
         where answerid = 75931
         and summary <> ''


Scope Variables

CGI Variables:
AUTH_PASSWORD=
AUTH_TYPE=
AUTH_USER=
CERT_COOKIE=
CERT_FLAGS=
CERT_ISSUER=
CERT_KEYSIZE=
CERT_SECRETKEYSIZE=
CERT_SERIALNUMBER=
CERT_SERVER_ISSUER=
CERT_SERVER_SUBJECT=
CERT_SUBJECT=
CF_TEMPLATE_PATH=/home/www/html/eetr/tip.cfm
CONTENT_LENGTH=
CONTENT_TYPE=
CONTEXT_PATH=
GATEWAY_INTERFACE=CGI/1.1
HTTPS=on
HTTPS_KEYSIZE=
HTTPS_SECRETKEYSIZE=
HTTPS_SERVER_ISSUER=
HTTPS_SERVER_SUBJECT=
HTTP_ACCEPT=text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8
HTTP_ACCEPT_ENCODING=gzip
HTTP_ACCEPT_LANGUAGE=en-US,en;q=0.5
HTTP_CONNECTION=Keep-Alive
HTTP_COOKIE=
HTTP_HOST=www.expatexchange.com
HTTP_REFERER=
HTTP_USER_AGENT=CCBot/2.0 (https://commoncrawl.org/faq/)
PATH_INFO=
PATH_TRANSLATED=/home/www/html/eetr/tip.cfm
QUERY_STRING=answerid=65939&networkid=90&topicid=7
REMOTE_ADDR=172.69.63.227
REMOTE_HOST=172.69.63.227
REMOTE_USER=
REQUEST_METHOD=GET
SCRIPT_NAME=/eetr/tip.cfm
SERVER_NAME=www.expatexchange.com
SERVER_PORT=443
SERVER_PORT_SECURE=1
SERVER_PROTOCOL=HTTP/1.1
SERVER_SOFTWARE=Apache
WEB_SERVER_API=
Client Variables:
cfid=31940327
cftoken=27407909
hitcount=1
lastvisit={ts '2020-07-15 13:52:44'}
timecreated={ts '2020-07-15 13:52:44'}
urltoken=CFID=31940327&CFTOKEN=27407909
Cookie Variables:
CFID=31940327
CFTOKEN=27407909
Session Variables:
cfid=31940327
cftoken=27407909
sessionid=IBEXPATEXCHANGE_31940327_27407909
urltoken=CFID=31940327&CFTOKEN=27407909
URL Parameters:
answerid=65939
networkid=90
topicid=7
Debug Rendering Time: 13 ms