Can you trust the healthcare in the Philippines? What are the best insurance plans for expats here? In this video we get all those questions answered for you. Enjoy! Book a Consultation Call w/ Evan calendar.app.google/AhraDquCnW7NVDzd8

@raananh

11 ай бұрын

Evan, thank you for all info! I plan to retire to the Philippines in 3 years. Not now. It seems to me that some Medicare Advantage plans will pay for medical expenses outside the USA. Any expats you know in the Philippines who tried to work with Medicare Advantage and their experience with that? Thank you po.

@jdbee713

11 ай бұрын

What about us tourist who want to visit for a few weeks? Can I use our Kaiser card? We have never visited. I left in 1979…

@raananh

11 ай бұрын

@@jdbee713 If you are a tourist you get easily get a cheap travel insurance.

@mikebingham976

10 ай бұрын

@@raananhI’m a U.S. citizen living here in BGC. I have United Healthcare Medicare Advantage. I was told I’d be covered here only for the first six months. Now I have Phil health and Pacific Cross . Check your overseas coverage with your provider.

@AsianRomance

21 күн бұрын

You mention in this video that you will go over the best private insurance plans for expats in a different video. Where is it? What is the link?

Very concise and informative. Unfortunately, the information was wrong.

My family has 100% health insurance. I got bust up in an accident about 18 months ago. My treatment, at a public hospital, because it was an emergency and I had no option!, cost around USD 3000, but that was for immediate treatment, hospitalisation and around 6 months aftercare. I paid cash because I didn't want to up the premiums in case my family needed medical care. We have an insurance policy through our bank so if anyone gets sick they are sorted. Our premiums are Pp around USD 100 pcm.

Well done, thank you!

Thank you sir. Your explanation of the healthcare system was easy to understand and right to the point.

Great video and content! Thank you for sharing.

Thank you so much. This is the first thing we're going to do.

Very nicely done video! Thank you so much for putting this together

Thanks. A good summary.

Interesting subject.Good topic thanks.

Thank you for the information. , Your the best.

EXCELLENT info! Thank you!

Health insurance and typical healthcare services in the Philippines is even better than the US. Gosh! Aside from way more affordable health services in the Philippines, there are times the Philippines is more efficient if not more effective.

Great video Evan, thank you👍

Thanks for very valuable information!

Just the info I needed. Thank you.

Great video. Now I know what Insurance to get when I retire. Thanks.

That's good information. Thanks.

super underrated channel!! fi

Great information, thanks!

I was on a 9a tourist visa and signed up for Philhealth at 17000 pesos per year for the last 2 years which also includes my Filipina wife as my dependent. Now I'm on a 13A visa and still pay 17000 pesos per year for philhealth.

@8thousandmiles

11 ай бұрын

What does philhealth cover?

@faronray5765

11 ай бұрын

@@8thousandmiles Not much. I use Philhealth mainly to get in the door of the Hospital. They pay a small % of your inpatient hospital stay. My wife just had some of her bone drug therapy bill paid by Philhealth(supplies related to her cancer). So it does help a little. My sister-in-law had surgery here that cost 140000 pesos and Philhealth paid about 30% of it. So it does help somewhat.

@DAEMON05

6 ай бұрын

@@8thousandmiles minor and major operations or if your extremely sick..

Cigna international is the best for Americans. It's policy covers you in the Philippines, USA and anywhere in the world at the SAME TIME. For a $1 million annual policy with a $1,500 deductible, your monthly premium is $265 monthly (healthy 40 year old). It covers everything except preventive, but preventive is cheap in the Philippines. I've dealth with them in the past and their customer service is in the USA with online support as well.

Actually Thailand was the first country in southeast Asia to offer Universal Healthcare in 2002 and if you're seriously ill in the Philippines you would be be wise to fly to Thailand for treatment . Thailand's medical care is light years ahead of the Philippines. People from all over the world go there for medical treatment.

Thankful for this video...am a filipina with an american partner for 8yrs now and we are still looking until now where is the best place to settle here in PH soon ...since the plan is going to U.S THEN will be coming here in PH during visits....right now were still exploring, taking time...we used to live in our area in Surigao City but due to supertyphoons we needed to moved to another city called BUtuan city...but probably after here we will also try Dumaguete City as its always my number 1 choice to visit since I learned for awhile already that its a friendly city ....also i still love living in an area with plenty of trees☺️am someone who loves country living ....but being an island girl, born and raised yes.. also i knew that its necessary to choose a place thats accesible to good hospitals and clinics and yes for other commodities of course a .safer place and clean...and hopefully not so prone to strong typhoons ....

Well done video with lots of great information. Thanks.

Iloilo City has lots of private hospitals. The Iloilo Medical Center owned by Medical Center Manila is accredited by International Joint Commission. They have a good cardiac and neurology program. I think there are lots of Hospital in Manila, few in Cebu and Iloilo with Joint Commission Accreditation. Hospital with this accreditation means , the standard of care and services are the same as developed country like the US, Canada, Australia and Europe.

thanks for the info you laid it out perfectly and as far as trust gose use your judgement do your home work and trust in GOD he calling on him will not be in vain

Thanks for the great information! I have been looking into international plans before I retire there in a few years.

I lived in Cebu for a year and the hospitals there are not good. Just moved to BGC and went up to The Medical City in Ortigas for the birth of my daughter. Night and day difference between Cebu Doctors Hospital and The Medical City. There really is a huge drop off in quality once you leave Manila.

@sfrealestatedealmaker6001

11 ай бұрын

I agree. I needed care in Bacolod once and it was a nightmare 😂 although Makati Medical wasn’t all that good either.

@Joepoe20041

11 ай бұрын

Chong Hua is the best hospital in Cebu City in my opinion.

@apinezstats2237

11 ай бұрын

You just need to pick the right hospitals. Ask the locals

@stevem437

11 ай бұрын

@@apinezstats2237 What do you mean “the right hospital”? Many locals use public hospitals. And many have no concept of what a western hospital is like. Some may think Doctors Hopital in Cebu is amazing because they have only experienced public hospitals. There are very different standards when it comes to this. The Medical City in Ortigas was very comparable to a western facility. Chong Hua and Doctors Hospital were much dirtier, outdated, crowded and the doctors are almost ALL young. The more experienced doctors go elsewhere.

@stevem437

11 ай бұрын

@@Joepoe20041 Chong Hua is, BUT the bar for Cebu hospitals is extremely low. One of the reasons we moved to BGC from Cebu was because of the healthcare there. Much lower quality than western facilities. At least in Manila there are a few that are in-line with western hospitals.

If you plan to retire in Pinas, check how much their health insurance for 70 years old & above. It's too expensive & limited. Hope you can afford it.

In Dumaguete city, very seldom you'll experience typhoon there. There are 2 big hospitals there and plenty of expats.

Most people in the USA are working and have medical benefits through employers and are private medical facilities similar to kaiser Hospital, Sharp Hospital, etc in California. So public are Gov/county run medical hospitals and private are employee/employer paid coverage which makes it more equipped/modern hospitals.

I've had excellent serices, including hospitalizations and surgeries. At the QualiMed hospital in Iloilo city. For the past 7 years

As a part timer there, I have private insurance. That being said, healthcare is not expensive there.

@nomadicgrandpaws2259

11 ай бұрын

It depends, regular healthcare like consultations and medications are affordable. A stay at an ICU can be very expensive.

@walkingboss

11 ай бұрын

@nomadicgrandpaws2259 Yes, but far cheaper than U.S Either way I stayed insured.

@luciahermias9717

11 ай бұрын

GOOD FOR TO SAY THAT HEALTHCARE IN THE PHILIPPINES IS CHEAP NOT FOR ORDINARY AN THE POOR PILIPINOS.

@walkingboss

11 ай бұрын

@luciahermias9717 true.. I was talking about expats, though. At least you have public health care. There are some states in Ametica that offer nothing to the poor...

@nomadicgrandpaws2259

11 ай бұрын

@@walkingboss No, I don’t have public healthcare. I’m American and doesn’t qualify for Philhealth. In America, the poor has medicaid and community hospitals receive federal funding for indigents. Where many Canadians get their heart surgery. In the Philippines, I have savings of at least $40,000 to cover emergencies and possible medivac to Guam.

Great video. It was new to me that there is free and universal health care for Filipinos in the Philippines.

@luciahermias9717

11 ай бұрын

DONT BELIEVE WHAT THEY SAY THAT FULL OF BS. POOR PEOPLES IN THE PROVINCE ARE DYING IN THE HOSPITAL BECAUSE THEY DONT HAVE MONEY, MY UNCLE WAS IN THE HOSPITAL FOR TWO WEEKS THEY WONT LET THEM UNLESS YOU HAVE TO PAY HALF OF 65,000 PESOS ALL HOSPITALS IN THE PHILIPPINES ARE BUNCH OF CROOKED.

Do you have to purchase and pay for public health insurance if you have private health insurance?

Upgrade your current insurance (if possible) to international insurance for a fee.

Too funny, your last video I made a funny comnent about sitting through an insurance law seminar, and your very next video is on obtaining health insurance. Coincidence of course, but still funny (to me).

Just love your channel and the information that you provide. My parents previously bought a condo in a city in the Visayan islands. They will often go there for a few months and then back home to the United States. Do you think its still worth it to sign up for private insurance? Who and what companies provide private insurance and where do we get it? I also go to the Philippines and stay there for a few weeks. Can I get a temporary private insurance during my trip? Thanks again.

@jayb1590

11 ай бұрын

@triplevee808 No one should ever travel abroad without health insurance, if something serious happens they may delay or refuse treatment. In the Philippines they’ll likely demand cash upfront either way, but at least you can get reimbursed by the insurance company. There are several reputable companies, but I’d personally go with either AXA or SafetyWing.

Dumaugete City has one of the best hospitals in the world. There are 4 -5 hospitals there and accepts US and Philippine insurance.

@henrymcmiller2527

11 ай бұрын

Thanks for your input. I will retire to Dumaguete in 24. I have health issues and having good healthcare is a must.

Outstanding channel I have my SRRV and I am a veteran I am living in Manila in good health all around except I am on an insulin pump . The Manila VA from my understanding will not treat me unless I have a VA connected disability so I have to fly back to the states from time to time to my VA there to see my endocrinologist now from my understanding if you have a preexisting health issue you can't get insurance here. What do you do in this case someone out there please give me an alternative or something. Thank you

Great info here. Thx 🙏

Hi Evan, My name is Gabriel. Thank you kindly for your detailed, helpful Health Care info. I am a 68 year old retiree (6 years retired) who is contemplating on moving to BGC. I am still making computations on my potential expenses in regards to living there. More likely, I will rent instead of buying a 1BR condo @ BGC. One of the concerns I have is the safety, quality of tap water in the Philippines. I already have been using bottled water when I brush my teeth here in Las Vegas. CDC here in the USA warns about the lack of infrastructure to treat Philippine tap water up to par with International Safety Standards. That is sad because its been 50 years since I left the Philippines and the tap water is still not up to par with Intl Safety Standards. Then there is the poor infrastructure of traffic (one You Tube video I saw said it took almost 2 hours from Makati to Quezon City?). OMG!

@JunRoss-pp3mv

5 ай бұрын

As far as water, you have to buy brand name bottled water. Some unknown bottled water are refilled with regular water or the process they use is lacking so bacteria grows on the water overtime. I've been in the US for 53 years but when on vacation, always drink brand name bottled water or soda with no ice cuz the ice is also contaminated.

@jerryf3433

5 ай бұрын

The safest solution is not to leave your country and be away from infections and bothersome traffic congestion,

Private health insurance costs a fortune of you have pre-existing health conditions

If you live in the Philippines for six months and six months in the US then you have to pay twice for insurance?

What is the best hospital for expert Bacolod? I heard it’s Riverside Hospital but not sure?

Going private goes without saying, but which company? I've watched bloggers describe how patients are kept in hospitals under guard until the bill is paid? So the question is whether "all" or "some" of those private insurers pre-approve payment and recognize "all" of the major hospitals? Also, i would want the insurer to fully cover me outside my residence in the Philippines? So the million dollar question is which one does that with the best service?

@davidhall3747

11 ай бұрын

He said it's best to purchase International Health Insurance. It covers you as you travel from country to country.

@Chris-gi9ch

11 ай бұрын

@@davidhall3747 Right.....I saw his list, but not all necessarily pre-approve payment? In other words prevent one from being locked in the hospital pending the claim.

@davidhall3747

11 ай бұрын

@@Chris-gi9ch Correct.

I've always wondered if you can get health insurance for the first time after the age of 70.

What about just going out of pocket like many of the locals? I hear some expat vloggers doing this instead of attaining insurance.

@amanrastogi6640

11 ай бұрын

That's a good option , depending on the affordability of the person. My girlfriend pays from her pocket & gets things done immediately rather than waiting for at least a day to get the approval. It's a lengthy process . Unlike other countries where we just need to provide the necessary docs & immediate approval from the insurance company for example in India we get immediate approval from the insurance company.

How much is the private insurance

Why dont you disclosed that philhealth is a subsidy only and covers 30% of the total cost. I look forward congress will pass a bill to make it 80% coverage.

Unfortunately I don’t think you can use your Medicare benefits in the Philippine and prescription drugs are mailed into your home.

The reason some of our hospitals are understaffed because our medecal personnel have been exported abroad because foreign countries like the UK and US offer higher salaries. Also Filipino doctors and nurses are one of the best and compassionate medical personnel all over the world.

@sfrealestatedealmaker6001

11 ай бұрын

Yeah, all our nurses in California are Pinays 😂

Good info Evan, but you might want to correct the health insurance part because it costs nowhere near 100USD per month if you’re under 50 years old. For example if you get your insurance with SafetyWing it only costs 45USD per month if you’re under 40.

@elitepctech

11 ай бұрын

I heard SafetyWing has issues with paying out.

@jayb1590

11 ай бұрын

@elitepctech I’ve never had any issues with them but then again I didn’t claim an extremely large amount either.

Aren't the payment amounts you mentioned for public health insurance per year? You said it was per month. I thought those were yearly premiums for PhilHealth.

Are you saying that the most expensive private insurance plan is no more than $300?

Provincial hospitals are a roll of a dice if you survive the ambulance ride to the hospital. The philippines doesn't have on board EMTs in the ambulances, and that is a major mistake. Getting a patient stabilized before or during transport can save hundreds of lives . Phil health is not free and is more expensive for expats than the citizens. That money put towards a private policy can go along way as long as you live and stay close to a hospital that excepts your private insurance. Many times, you will still have to come up with cash first and then hope for reimbursement from your insurance company. Tricare is available to military expats, and Medicare may be available to help, but don't quote me . Many expats from the states will continue to pay for their Medicare, and if something catastrophic happens, then be flown to guam or back home for care . Do your research and choose what is best for you and your budget.

We have a very good healthcare in the Philippines . Compared to other countries . For example you will go in the emergency room. We have the best charge to my personal experience in canada you will wait till morning before you recieve treament.

@bettygumilao3236

11 ай бұрын

Some did not even make it.

@gardenrxpert6573

11 ай бұрын

⁠@@bettygumilao3236that’s funny. Canucks should slow down on maple syrup to speed up wait time in the ER.

What about my health insurance in the US, how can I use it in the Philippines?

@hotspot930

11 ай бұрын

If I’m not mistaken, you can use your US health insurance in St. Lukes Medical Center in Quezon City and BGC. I don’t know if Makati Medical Center is now recognizing US Health Insurance.

@gardenrxpert6573

11 ай бұрын

Before your international travels check your HR department if your medical insurance thru your employer covers when you travel overseas. It all depends on what kind of package your employer is buying for the employees. Speaking from my travel 5 years ago a family member was admitted at St Luke’s BGC and to my surprise BCBS covered all the medical expenses. BCBS advised me to have the hospital bill it directly to them or get all the receipts to get it reimbursed. St Luke’s refused to make the claim directly to the insurance so all of the receipts were later on reimbursed by my insurance. I am now covered by Aetna and my insurance continues to cover when I travel overseas.

So if someone stays as a tourist for extended years like some people do they still have to get Philhealth or they just self pay if something medical wise comes up?

@davidhall3747

11 ай бұрын

It's your choice, but Health insurance is mandatory for expats who stay six months or more.

I have Aetna insurance from the U.S does this cover it? Or do I need to get other insurance too? Could you please answer this because before I asked you and I got no response.

@gardenrxpert6573

11 ай бұрын

I have Aetna insurance here and I am covered when I travel international. Having the same insurance don’t mean anything. Call your insurance it all matter on what kind of package you have signed up or if this insurance is thru your employer it all boils down what your employer had signed up.

Phil health is just a subsidy. 30

Certain hospitals give outstanding healthcare (example, st Luke’s) while others are terrible (rthe province). I’d you have American dollars, you can still go to st Luke’s, pay cash and get outstanding medical care.

@sfrealestatedealmaker6001

11 ай бұрын

Yeah hospitals outside of Manila are a complete nightmare OMG 😆

What about those of us Americans on Social Security here in the states? Also, what about US Veterans? I'm planning to move to the Philippines.

I would really love to watch every video on this channel. The first one I watched had some evangelical Christian messages, which I found very challenging. Im now reticent to watch any more. Does anyone know if all videos have the same subtext? If not that’s awesome as the one I saw was really helpful until that part.

@EsthersMedia

11 ай бұрын

You don't like it, but a lot of people here do. Believe in Jesus and have eternal life.

@pawool

11 ай бұрын

@@EsthersMedia I agree and respect other people’s beliefs and have Christian friends. Jesus was the most proudly enlightened person in history and I follow his principles. But I can’t see the connection between expat information about the Philippines, and evangelical Christianity. I follow many other similar channels and they never mention it.

@EvralTatum-Mcfield-ov2mi

11 ай бұрын

Amen to that,sister!!@@EsthersMedia

@pawool

11 ай бұрын

@@nlf17 I’m sure he is

✍🏽✈️

What about veterans? Veteran who has va tricare benefits?

How about a Dual Citizen of US and Philippines, planning to stay more than a year, will have Medicare Advantage like Humana from US. Is it True that Humana Insurance is accepted in the Philippines or I will get reimbursed when I go back to US

@marianeil6630

11 ай бұрын

Ask your U.S. Health Insurance.

@MikeJones-uh7mt

11 ай бұрын

Do not join medicare advatage!!! Seriously it is a scam and will cost you a lot more. It also limits what hospitals you go to. Have to get referrals to doctor. And if you get sick will have high co pays. Just get regular medicare and medigap. By the way if you join a medicare advatage plan and want to go back to regular medicare you will need to sign up for medigap insurance. But your medigap insurence price will now be subject to your current health status. Medigap is not subject to that when you select a medigap plan when you first sign up for Medicare. Medicare advantage is a scam by heath insurance companies. Google and research this.

@MikeJones-uh7mt

11 ай бұрын

Also the most popular medigap plans do cover emergencies outside the USA.

All they want is boat loads of cash ! -- They apparently don't often trust insurance company's over there ? -- You better be able to self insure or you could end up dead !!! > They don't care.

Do you know if there are world class hospitals in Cavite? Near Tagaytay.

@kevinbuckley4507

11 ай бұрын

Yes there are two of them i believe in cavite

@jaime8318

11 ай бұрын

@@kevinbuckley4507 reputable? High quality?

@flurymichi

11 ай бұрын

​@kevinbuckley4507 what the names of this two?

@kevinbuckley4507

11 ай бұрын

@@flurymichi De La Salle University Medical Center Medical Center Imus Metro Cavite Health System Inc. Our Lady Of Piat Polyclinic And Hospital Our Lady Of The Pillar Medical Center Elenita B. Galang Specialty OB - Gynecology HMO None Hospitals Clinics By Our Lady Of The Pillar Medical Center

Do they have private hospitals in Iloilo Iloilo

@amanrastogi6640

11 ай бұрын

They do , Google it .

Just curious what Hospital is the best to go to if you had Cancer? What Hospital is the best if you were having Heart Surgery? What Hospital is the best for the Eyes? Is there a Web site that shows ratings for private Hospitals in the Philippines? Also, if you had a serious case in one of the above can it be handled in the Philippines or would you recommend maybe going to Thailand to have the procedure or treatment?

@amanrastogi6640

11 ай бұрын

Thailand is the preferred destination . Way better facilities & very economical in respect to Philippines.

@nomadicgrandpaws2259

11 ай бұрын

Although Thailand is a good alternative, there might be a language barrier with their doctors. Philippine doctors are proficient in the English language and are well trained in their sub specialty.

@manchesterr85

11 ай бұрын

@@nomadicgrandpaws2259I would rather deal with a world class doctor with language barriers than a doctor who’s fluent in English but not good at his job. Thailand is well known for medical tourism from all over the world and none of those people travel to the Philippines for better communication.

@sweetbee2174

11 ай бұрын

there’s a heart center for asia sophisticated hospital in quezon city a lot of neighboring countries have their heart surgery or treatment , across the road another specialized hospital for kidneys adjacent to these hospital is a remodernized huge public hospital with decent health care with best health care professionals, if you go abroad most hospitals are staffed by some Filipino health professionals, so there you are

@dutch9664

11 ай бұрын

Tune up your self before going on vacation for senior citizens you should have 120days supply of medication, if you have health insurance in the USA I recommend Asian hospital, Makati Medical Hospital they will assist you and they have experience billing system and train personnel. Now if your in the island? The hospital inside Clark are also assisting foreign insurance, call your health insurance before going to your vacation..

Only thing I can say is if you in make sure you can pay. They won't allow you to leave until bill is paid. If you make a agreement they will hunt you down an remind you of that every other day. Insurance only covers about 30% of actual cost rest you owe. Had my gf and mom need emergency help lucky I paid the hospital or they would still be there in Bacolod city hospital.😢

Does Philhealth cover dental and vision?

@kevinbuckley4507

11 ай бұрын

the cost of dental in the philippines is very inexpensive I just got back and had 6 full crowns done all front teeth all color matched all in porcelain for under $1000.00 USD

even you have private insurance and you have philhealth you can still use both for confinment because u cant avail philhealth unless u r confined unlike private insurance u can avail anytime for check up.. Philhealth is for confinement because ordinary people can go to public hospitals for free.. and theres also malasakit center because philhealth cant covered all the expenses

What about Americans on Medicare?

@davidhall3747

11 ай бұрын

Medicare is provided by the U.S. Government. It has no jurisdiction in the Philippines.

@dr.michaellittle5611

11 ай бұрын

You have to fly to Guam to use medicare.

@hotspot930

11 ай бұрын

Medicare is accepted in St. Lukes Medical Center because if my memory serves me correctly my grandma went there five years ago to have her PET Scan for her tumor in the tongue and her US Medicare was accepted. I just don’t know now after the pandemic.

@dr.michaellittle5611

11 ай бұрын

@@hotspot930 You are mistaken. US law does not permit accessing medicare services outside the US or its territories.

@gardenrxpert6573

11 ай бұрын

⁠​⁠​⁠@@hotspot930not true. When you own a US passport page 6 states- Medicare/Medicaid does not cover healthcare costs outside the US. FYI, St Luke’s BGC do not accept any kind of US insurance. It’s cash or credit card payment only upon discharge. Not all insurance will cover when you travel international. Best is to check your insurance and when you get that coverage it is a Bon Voyage.

Insurance is a business 😅😅😅

If you need / will need specialized medical help and you do not have a lot of $, the Philippines is not the most ideal for you.

Can you imagine that most Americans dont go to see their doctor back home but now worrying about healthcare in the Philippines. All that liquor, fast food, stress, and hormones in America. Now you come to a country with less stress, organic food, and sunshine all year long. Now, I gotta get healthcare! Think about that! 😂😂😂😂😂😂

@snowtyboy

11 ай бұрын

Most Americans got sick because of stress and mental

@dapro2524

2 ай бұрын

organic??? 😂😂😂😂

@J.Shabazz

2 ай бұрын

@@dapro2524 Organic food is grown without synthetic chemicals, genetically modified organisms (GMOs), or artificial additives😂😂🤣🤣

@dapro2524

2 ай бұрын

@@J.Shabazz So 100 percent of food in the Philippines is "organic"? Not even close bud! Open Google and do some research!

Those retirees planning on staying in BGC or anywhere, make sure that you get your annual flu vaccine and figure out the shots are available.There will be upcoming massive wave of variants even before 2023 year’s end. Don’t count on Saint Luke for Covid vaccine availability.

Where is your girlfriend at now. You have grown up so fast my friend

S’expatrier dans un pays où les gens vivent dans les cimetières de la capitale ?!!! Dégueulasse à vomir.

@johnclark7973

11 ай бұрын

So you spend your limited time watching why exactly⁉️. 🤣🤣🤣

@trevorsmith7753

11 ай бұрын

Expatriate to a country where people live in the cemeteries of the capital? Disgusting to vomit.

@johnclark7973

11 ай бұрын

France 🤒🤢🤮

@jamesdee2434

11 ай бұрын

It's more fun in the Philippines 🇬🇧🙏🇵🇭

@ktia.k

11 ай бұрын

@@johnclark7973 vive la France et la fraternité !

you quoted the philhealth payment for locals. last time i checked it was 17,000 a year for expats

first you said philhealth was mandatory, then you said it was voluntary? 🤔