Everytime anyone of us gets hospitalized we get an assistance from my healthcard and from Philhealth. It is very very helpful, most of the time I only pay the miscellaneous and sometimes nothing at all.
One thing that I don't like about Philhealth is the reimbursement process. Have you ever tried that? Well, when I got confined last December I was not able to submit philhealth form. I paid for it first which cost me about 4K something. I was told that it would take 3 months to get the reimbursement. Wow! 3 months to process it. I wonder what needs to be done or what kind of processing are they doing that it needs 3 months. In deed after 3 months I received a letter from Philhealth and I was able to get the reimbursement. I need to undergo this process again. When I give birth last July 10, my first son also got hospitalized. I only have a form for me and I was not able to get one for my kid. Urgh! I already knew the process and in this time of crisis of course money is needed. Haayss... I hope our government will improve this and make the reimbursement faster.