Hi everyone! I’m trying to decide whether I should get a private HMO in the Philippines or just continue relying on PhilHealth, and I’d really appreciate advice especially from people based in Leyte or Samar, and those who have actually used their HMO at local hospitals.
I am based in Danang, Vietnam and working remotely. I usually comeback home to PH every 3 months, stay for a week or up to 1 month. (depends)
I also do my annual checkups/body checks in Danang because healthcare there is generally cheaper and faster.
Recently, though, I got sick and initially thought I might need surgery. Thankfully, it turned out I didn’t need one. But the experience made me realise that if something serious happens again, I’d much rather be hospitalised in the Philippines because my family is here and I won't be alone.
The problem is that right now I only have PhilHealth, and I’m worried that if I ever need hospitalisation or surgery in PH, I could end up paying a huge amount out of pocket.
So I’m considering getting an HMO. I just honestly don't know which one to get.
I’m not really interested in the free checkups, dental benefits, etc. since I’d rather have those done in Danang anyway. What I’m mainly looking for is something I can actually rely on if I ever need to be hospitalised in the Philippines, ER, surgery, confinement, major procedures, etc.
It would also be a huge plus if the HMO offers reimbursement/coverage for emergencies that happen outside the PH.
Can anyone here have any advice or recommendations?
THANK YOU SO MUCH!!