When it comes to insurance in the Philippines, most of the primary cities offer some type and level of medical care. Unfortunately, when looking at the more remote and rural areas, finding quality medical care is difficult. Interestingly, medical care provided by trained doctors and nurses in most areas is very inexpensive but even with this care provided in hospitals is below standard.
Often, people traveling to this part of the world choose to take out insurance in the Philippines just in case they were to become sick or experience injury. Known as “international medical insurance”, this type of coverage is good for entire families. Most policies provided can be customized according to needs, meaning the person taking a trip to the Philippines can choose what is going to serve his or her needs. In fact, insurance in the Philippines for travelers can also have clauses added for dental, maternity, and various other situations.
Primarily, the Department of Health operates and oversees the healthcare provided in the Philippines. The people within this department strive to make healthcare services for natives fair, affordable, and quality, specifically for those living in poverty. The system used in this country is dual, which means there is a type of service and insurance in the Philippines for the private sector and then another one for the public sector.
For healthcare provided to people in the public sector, funding comes from taxation. However, in return citizens are provided with free services. For the private sector, money comes from the patients themselves or from some type of insurance in the Philippines. For people with low income levels, medical care is offered through health clinics under the government but for those with mid to high income levels they have the luxury of choosing where to receive medical care.
Because approximately 65% of all hospitals are private, it is imperative to have insurance in the Philippines to ensure the best care available is being provided. Even though the healthcare system overall is rated as “good”, it is important for travelers from wealthier countries to realize that the type of facility and level of medical care from doctors and hospital staff is not going to compare. However, choosing insurance in the Philippines while visiting would provide the opportunity to be seen by the best instead of ending up with a low level facility or doctor.