Cebu Hospital and Health Center Guide

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Although healthcare is generally expensive for the average Filipino, expats or international tourists may find it somewhat affordable for one-time minor treatment, although travel or long stay medical insurance is absolutely necessary

Depending on your annual coverage or premiums you should aim to have medical coverage of at least US$100,000, for either a short stay tourist or long stay of 3 months+. Most travel insurance policy will have in excess of over US$ 1 Million+ coverage for a medical emergency

Certain local annual pre-paid medical insurance that you may purchase or consider in the Philippines do have a lower claim limit of around PHP 50,000 to PHP 100,000, (US$ 900 to $1800), this type of policy may be more useful for unlimited doctors appointments or a medical consultancy. You can hardly rely on local annual pre-paid medical insurance in the event you need to be admitted to a medical facility in an emergency, mainly because it will quickly reach the maximum limit if not already

The level of care in Cebu and the Philippines is satisfactory, local medical staff are better trained, especially in Manila, Cebu City and Mandaue City. However Filipino nurses are renowned worldwide for being natural caregivers

All Philippine citizens are entitled to government assisted healthcare under the Philippine Health Insurance Corporation (PhilHealth) in all Government Hospital, for example at Vicente Sotto Memorial Medical Center, Cebu City, providing you have paid or up to date with the premiums

What is Phil Health?

The Philippine Health Insurance Corporation or Philhealth is a government owned and controlled corporation (GOCC) founded on February 5, 1995

Its main goal is to ensure the health of every Filipino through social health insurance regardless of social status: poor, rich, young, old, sick, healthy, working or jobless

The Philippine government achieve this, by all premiums paid by members which are pooled nationally and in effect, there is a cross-subsidization across districts

If a Philippine citizens has paid or up to date with premiums, and you are admitted to a government owned and controlled hospital, you will be dischaged without any costings

Phil Health can also be used partially at a private hospital, general hospital and health center, providing you have paid or up to date with the premiums, you will be entitled to an automatic discount on your final bill at any Phil Health accredited private hospital, general hospital or private health center

The Philippine Social Security System (SSS) Hospital Benifits

Depending on the circumstances and your contributions, you will normally be eligible for a paid discount towards a general or private hospital bill, this can only be processed at your nearest SSS office in Cebu, and is a separate benefit to Phil Health

Mention Medical History for Travel Insurance to Cebu, PhilippinesIf you have a serious pre existing ailment you will not be covered under a regular travel insurance policy provider plan, you will need to advise the medical screening travel insurance online section or by phone, who will arrange a tailored quote, especially if you have been recently hospitalized or regularly attend appointments, or you are prescribed medication for a heart condition, diabetes, high blood pressure, COPD, MS, terminal illness, mental health condition, drug abuse, alcohol abuse, recent hospital admission and other similar medical conditions or addictions.  Always mention or add any ongoing or all medical issues within the last 1 to 6 years, even if it appereas minor or you think it’s irrelevant or inappropriate ​

What should I do if I find myself or someone requires sudden medical assistance while in Cebu, Philippines or Worldwide?

If you suspect it’s urgent, immediately ask for a hotel doctor or ambulance, and proceed to the nearest private hospital or local hospital clinic, if possible immediately contact your travel insurance 24 hour claims line and make them aware of the hospital or clinic name, so the can open and process the claim, they will usually ask to speak patient, although you may appoint a main contact person indefinitely to speak on the patient behalf, preferably a close family member with you or from anywhere in the world, especially if the cell, mobile or WIFI signal is unpredictable where you or the patient is located

Nearly all travel insurance claims will pay the hospital or clinic direct, without the need to prepay yourself, you may need to arrange the excess payment if any, or a one off payment under a certain amount, depending on the policy, the insurance provider will immediately appoint a local medical agent who speaks the language or is familiar with that area, typically the medical agent will communicate with the hospital or clinic regularly, and to verify the medical insurance policy coverage and ask about the medical status of the patient, the travel insurance provider will normally request the patient own medical file from the patient doctor, although it may take up to 28 days for the file to be released, if your return date is approaching you may usually appoint only one person to stay with the patient, the travel insurance will arrange new flights and hotel for a nominated adult to extend the stay to assist the patient, or flights and hotel for one other person to assist, if you can’t