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Statuary deductions for SSS and Phil Health are for employees of companies.聽 I鈥檓 assuming this is your situation.聽 These are barebones in terms of medical coverage and life insurance needs.聽 Phil Health will cover approximately 30% of a private hospital service cost.聽 There are private insurance policies you can purchase but the market for these is not very consumer friendly and cost effective for the additional coverage they offer.聽 I would recommend having at least $15,000 in reserves for medical emergencies.

The first question that needs to be answered is what is your status in the Philippines?聽 What Visa are you on?

vinothrau wrote:

Hi All ,

i was hoping to clarify the below items:

1. expats are bound to the following statutory deductions : SSS & PhilHealth? is Pab-IBIG compulsory as well as i believe this is a form of home development mutual fund?

2. is it sufficient for an expat to just rely on SSS and PhilHealth for Insurance and Medical Card coverage?

3. i've tried going through a few articles on PhilHealth, but couldn't really confirm this. with PhilHealth, are they any charges for the treatment we sought after or will be be at a minimal charge?

thank you.

1. Yes. These are compulsory statutory deductions for all employees (local and expat) in the PH

2. If relying on SSS & PhilHealth alone, it would be enough but the waiting queue and the availbility of accredited clinic might be your problem. It is better if the company also offer you a HMO (Health Maintenance Organization) Health Card. This card basically offers a much wider range of available clinic so you can have your medical issue checked faster. The limit of the HMO varies depends on your HMO provider and the contract that you company has in place with that HMO

3. I am not sure because I have never used PhilHealth due to the long waiting queue (although i do contribute to it). What is offered through HMO is that you are free of charge for medical check as long as your limit is not reached or if the clinic is not accredited, you can pay by out of pocket cash then reimburse it with the HMO. Note that emergency medical service is not fully covered like that. They would only pay 20-30% for ER services depends on the HMO you use.

hi, thanks for your feedback.

i've not accepted the offer, however from my research , i' can see that i would start with an AEP followed by a 9G visa and the statutory deductions would be applicable to both?

Hi,

thanks for further clarifying this... so i guess it's best to get an additional coverage for medical purpose then.

Yes it will applies to both period when you hold AEP and 9G Visa afterward. AEP is a temporary work permit for you to work while waiting for your 9g visa application to be reviewed. So as long as you are working legally in the country, statutory deduction will apply.

If you company requires you to report to work before your AEP is secured. Then statutory deduction should not be applied on your pay. But I would recommend that you only report to work after your AEP is secured聽 otherwise technically you are undocumented labor and its not legal.

I have Philhealth my son cut his foot on some metal roofing took him to local hospital had stiches returned in a few days removed and bandaged it Philhealth paid 80% of Bill it was only 5000 peso total
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i see. thanks for the feedback.

Thanks for further clarifying this

Does anyone uses maxi care here ? What are premium range we鈥檙e looking at per annum? Are the coverage comprehensive ?