How is your healthcare planning?

For an individual?

The Philippines has two kinds of private medical coverage – standard private companies, which is what we’re all familiar with, and HMOs, or health maintenance organizations.

There are legal distinctions, and they can be a bit hard to parse, but for an easy way of separating the two, just think of HMOs as a basic subscription. HMOs are usually supplied through a person’s place of work, and cover a person’s basic health needs. But for bigger procedures, you’ll want to look at full-on insurance plans.

For an individual, a plan from an HMO can cost anywhere between 10,000-60,000 Filipino pesos a year ($200–$1,215). From a private provider, your cheapest option will run you around 40,000 pesos ($810).

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