Will US Health Insurance Be Honored in the Philippines?

Published by Health Professional

on Friday, April 7th 2023

Trending Health Topics

As a US citizen or foreign national planning a trip to the Philippines, one important question is whether your US health insurance will be honored in the country. 

This is a valid concern, as getting medical treatment in a foreign country can be expensive without insurance coverage. 

In this article, we will explore the topic of US health insurance coverage in the Philippines, including the types of insurance policies accepted and the steps you can take to ensure that you are adequately covered during your stay.

In addition, If you intend to purchase health insurance in the Philippines a list of Insurance companies is provided.

Overview of US Health Insurance Coverage in the Philippines

The Philippine healthcare system is a mixture of private and public providers. Private healthcare providers generally offer better facilities and services but can be expensive. 

On the other hand, public healthcare providers are affordable but may have limited resources and long wait times. As a foreign visitor, you may prefer to seek treatment at a private healthcare facility.

Most US health insurance plans do not provide coverage outside the United States. 

However, some insurance policies may offer limited coverage for medical emergencies while traveling abroad. It is important to check with your insurance provider to determine what coverage is available for your trip to the Philippines.

Types of US Health Insurance Policies Accepted in the Philippines

Suppose your US health insurance policy does not cover medical emergencies abroad; you may need to purchase a travel insurance policy that specifically covers international medical expenses. 

Travel insurance policies can be purchased for a single trip or multiple trips within a specific time frame.

When purchasing travel insurance, it is important to read the policy carefully to ensure it covers the specific medical treatment you may need in the Philippines. 

Some policies may have exclusions for certain medical conditions or treatments, and you may need to purchase additional coverage to ensure that you are adequately protected.

Steps to Ensure Adequate Health Insurance Coverage in the Philippines

Before traveling to the Philippines, it is important to take the following steps to ensure that you have adequate health insurance coverage:

  1. Check with your US health insurance provider to determine the coverage for medical emergencies while traveling abroad.
  2. Purchase a travel insurance policy that specifically covers international medical expenses.
  3. Read the travel insurance policy carefully to ensure that it covers the specific types of medical treatment you may need while in the Philippines.
  4. Purchase additional coverage if necessary to ensure that you are adequately protected.
  5. Carry a copy of your health insurance and travel insurance policy while traveling in the Philippines.

Health Insurance providers

Health Insurance CompanyContact Information
AIG Philippines InsuranceWebsite: https://www.aig.ph/  Phone: (02) 864 2264
AsianLife & General Assurance CorporationWebsite: http://www.asianlifegeneral.com.ph/ Phone: (02) 881 0380
AXA PhilippinesWebsite: https://www.axa.com.ph/ Phone: (02) 858 0100
Blue Cross Insurance, Inc.Website: https://www.bluecross.com.ph/  Phone: (02) 884 7000
Caritas Health ShieldWebsite: https://www.caritashealthshield.com.ph/ Phone: (02) 858 0808
Cocolife Health CareWebsite: https://www.cocolife.com/  Phone: (02) 840 2400
Fortune General Insurance CorporationWebsite: https://www.fortunegeneral.com.ph/ Phone: (02) 888 8801
Fortune MedicareWebsite: https://fortunemedicare.com.ph/  Phone: (02) 888 8801
Generali PhilippinesWebsite: https://www.generali.com.ph/ Phone: (02) 883 2600
Insular Health CareWebsite: https://www.insularhealthcare.com.ph/ Phone: (02) 872 7000
IntellicareWebsite: https://www.intellicare.com.ph/  Phone: (02) 789 4000
Kaiser International Healthgroup, Inc.Website: https://www.kaiserhealthgroup.com/ Phone: (02) 888 2747
Lifeline InsuranceWebsite: https://www.lifeline.com.ph/  Phone: (02) 881 4141
Malayan InsuranceWebsite: https://www.malayan.com/  Phone: (02) 862 1100
Manulife PhilippinesWebsite: https://www.manulife.com.ph/  Phone: (02) 884 7000
MaxicareWebsite: https://www.maxicare.com.ph/  Phone: (02) 858 8888
Medicard PhilippinesWebsite: https://www.medicardphils.com/  Phone: (02) 884 9999
Oriental Assurance CorporationWebsite: https://www.orientalassurance.com.ph/ Phone: (02) 863 8888
Pacific Cross InsuranceWebsite: https://www.pacificcross.com.ph/ Phone: (02) 881 9100
Paramount Life & General Insurance CorporationWebsite: https://www.paramount.com.ph/  Phone: (02) 863 6888
PhilCareWebsite: https://philcare.com.ph/ Phone: (02) 462 1800
Pioneer Life Inc.Website: https://www.pioneer.com.ph/ Phone: (02) 884 7100
Prudential Life InsuranceWebsite: https://www.prulifeuk.com.ph/  Phone: (02) 888 8800
Standard InsuranceWebsite: https://www.standard-insurance.com/

Four main types of health insurance are available in the Philippines: PhilHealth, HMOs, prepaid health cards, and private health insurance.

PhilHealth is a government-owned corporation that provides financial assistance to Filipinos regardless of employment status. At the same time, HMOs are private healthcare insurance providers that give the insured access to doctors and healthcare professionals within their network. 

Prepaid health cards are similar to HMOs, but they allow individuals to choose the exact coverage they need for one year for a one-time payment. Private health insurance is voluntary and provides comprehensive healthcare coverage for individuals and their families.

Here is a table that shows the differences between the four types of health insurance:

Type of Health InsuranceProviderAge EligibilityPolicy TermChanges in PremiumBenefitsHow Financial Assistance is Transmitted
PhilHealthGovernmentNo age limit (senior citizens are covered for free)For as long as members are actively payingPremium does not change (unless the government mandates changes)Cash assistance depending on the illnessAutomatic deduction from the hospital bill
HMOHMO companiesUp to 65 years old onlyRenewed yearlyPremium increases as member agesHospitalization, outpatient consultation, and dental services (if included in the plan)Hospital bill is charged against the HMO coverage’s consumable limit
Prepaid Health CardsHMO & Insurance companiesDepends on the prepaid planOne (1) yearPremium is paid on a one-time basisCan cover emergency care, hospitalization, dental services, and preventive healthcarePresent card to any affiliated hospitals or clinic and expenses will be charged against the coverage’s limit
Health InsuranceInsurance companies16-75 years oldFixed-termPremium increases as member agesHospitalization, some outpatient benefits, critical illness benefits, and life insurance savings (depending on the insurance provider)Reimbursement

What is an HMO in the Philippines

In the Philippines, HMO is a Health Maintenance Organization, a healthcare delivery system composed of private health insurance providers. 

HMOs provide health insurance coverage to their members for a fixed annual fee, typically covering various medical services such as consultations, laboratory tests, hospitalization, and other medical procedures. 

HMOs have a network of doctors and healthcare professionals that their members can access for their medical needs. 

HMOs are commonly provided to employees in private companies as part of their employee benefits and their PhilHealth membership contribution.

Can foreign nationals on an extended tourist visa avail of PhilHealth and HMO services

Foreign nationals on an extended tourist visa in the Philippines are generally not eligible to avail of PhilHealth services, as PhilHealth is a national health insurance program primarily intended for Filipino citizens and legal residents of the Philippines.

However, some private health maintenance organizations (HMOs) may offer services to foreign nationals, depending on their policies and the specific terms of their agreements. 

It is best to check with individual HMO providers to determine if they offer coverage to foreign nationals and what specific services are covered.

Additionally, foreign nationals staying in the Philippines for an extended period may want to consider obtaining private health insurance to cover their healthcare needs while in the country. 

This can provide additional peace of mind and financial protection during unexpected medical expenses.

Private health insurance offers several benefits and features, such as inpatient and outpatient care, emergency care, and optional benefits like dental coverage and cash assistance for loss of income due to an accident or illness. 

Having your health insurance allows you to take care of your health conveniently and cost-effectively, ensuring that you can receive the medical services you need right when you need them without breaking the bank.

Conclusion

In conclusion, while most US health insurance plans do not provide coverage outside of the United States, ensuring that you are adequately covered during your trip to the Philippines is still possible. 

By checking your coverage and purchasing additional insurance if necessary, you can travel with peace of mind knowing that you are protected in the event of a medical emergency.

FAQs

  1. Will Medicare cover medical expenses in the Philippines?

No, Medicare does not provide coverage for medical treatment outside of the United States.

  1. Can I purchase travel insurance after I arrive in the Philippines?

You should purchase travel insurance before you depart for the Philippines to ensure that you are adequately protected in a medical emergency.

  1. What types of medical treatment are typically covered by travel insurance policies?

Travel insurance policies may cover emergency medical treatment, medical evacuation, and repatriation of remains.

  1. Are there any exclusions to travel insurance coverage?

Travel insurance policies may have exclusions for certain medical conditions or treatments. It is important to read the policy carefully to understand what is covered and what is not.

  1. Do I need travel insurance if health insurance covers international travel?

It is important to check with your health insurance provider to determine what coverage is available