Saturday, April 15, 2017

UP-DATE ON "Drastic Rate Hike For Foreign citizens beginning July 1st, 2017" - PhilHealth


Things are changing for Expats in the Philippines.  For those of you who are living on a modest budget and providing for your family this will most likely impact you the most. However since healthcare impacts all of us, this new measure taken by PhilHealth ,in cooperation with the federal budget,  will affect all of us.

As of July 1st, 2017 all foreigners will experience a rate increase from 600p a quarter to 15,000 – 17,000p per year.

Your wives can be covered under your new plan and children providing they are legally yours.. You will be asked to provide proof of this.. 
Your spouse can also keep her own plan at 600p per quarter which will not change for them.. Her children, or your step children will remain covered under the normal  health plan for Filipinos.
If you are currently covered under a spouses plan your membership will be discontinued as of July 1st. You will need to reapply.. 
In a meeting at the PhilHealth offices in Tagum city I attempted to get clarification on certain points for us..

These would be points of coverage, exclusions, preexisting conditions, maximum benefits per visit. .per year, payment plans that are acceptable under the new plan... ie monthly, quarterly, semi-annual or annual payments..  All of these points listed were referred to the Manila office..

Tomorrow I will speak with the Manila office in an attempt to get more details and clarification on this horrible change in the system.
I will do a follow-up to this brief report based on that information. 
Forewarned is forearmed as they say.

Here is a link to Philhealth Circular # 2017-0003


iN A Following -UP conversation between my wife Aida and  the PhilHealth Manila office we obtained the following information. 
After attempting to get through on several numbers we finally got through on this number.. 441-7442.

Info is as follows:

  1. On July 1st all foreign nationals will be taken from their spouses policies and they will be required to apply for a new policy to retain health coverage. 
  2. If you currently are covered by your spouse’s policy and your account is paid up you will not have a 6 month waiting period to receive benefit as would a new applicant.
  3. For this year you will pay ½ the year not the full year.
  4. The rate for foreigners will be 15,000 or 17,000 pesos annual benefit.
  5. You will be allowed to make quarterly payments

On or before July 1st go to your local branch and fill out your paperwork.. If you are on your wife’s policy be sure that she is with you  and brings her MDR (Member Data Record) to the office. This will have your name on it to prove that everything is legitimate. Also bring your I-Card  or other legal ID.
If you are single then bring your own MDR ( if you were given one) and your ID… If you are a new applicant bring your passport, I-card or original birth certificate… check with your local office to see if an NBI clearance for you is required..

You need to be prepared to make your first payment at the time you register.

If you intend to retain your coverage do not let your present coverage lapse.. they will allow you transfer and wave the waiting period only if your account is in good standing...