{"id":188113,"date":"2025-04-16T14:20:25","date_gmt":"2025-04-16T14:20:25","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/brits-living-in-the-philippines\/"},"modified":"2025-04-16T14:20:25","modified_gmt":"2025-04-16T14:20:25","slug":"brits-living-in-the-philippines","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=188113","title":{"rendered":"Brits Living in the Philippines"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><i><span style=\"font-weight: 400;\">Whether you are in the Philippines as a retiree or you are lavishing in the luxury of a WFH lifestyle, you need to make sure that you have the right insurance should you encounter health problems while abroad. We take a look at the differences between PhilHealth, local private plans, and longstay travel insurance.<\/span><\/i><\/p>\n<div id=\"attachment_4407\" style=\"width: 650px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-4407\" src=\"https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280-1024x698.jpg\" alt=\"Manila Philippines View of city skyline\" width=\"640\" height=\"436\" srcset=\"https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280-1024x698.jpg 1024w, https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280-300x204.jpg 300w, https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280-768x523.jpg 768w, https:\/\/www.worldwideinsure.com\/travel-blog\/wp-content\/uploads\/2025\/03\/philippines-4951857_1280.jpg 1280w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\"\/><\/a><\/p>\n<p class=\"wp-caption-text\">Image by gloverbh222 <a href=\"https:\/\/pixabay.com\/photos\/philippines-manila-skyline-sky-4951857\/\" target=\"_blank\" rel=\"noopener\">CC0<\/a><\/p>\n<\/div>\n<h2><b>What is Philhealth?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The Philippine Health Insurance Corporation is a\u00a0 Government owned health insurance provider. It provides cover to people living in the Philippines \u2013 automatically if you are employed, or voluntarily if you are not. If you are living in the country for more than six months Philhealth is a legal requirement \u2013 but don\u2019t let that fool you into thinking you shouldn\u2019t get longstay travel insurance! Here is why:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Philhealth does not cover the full costs of medical treatment, you will need to make sure you have adequate funds should you need it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The availability of medical care varies throughout the country so you cannot guarantee that the treatment you receive will be to the standard you would expect from the UK, and it does not grant access to treatment at private hospitals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Philhealth does not cover repatriation to Singapore (the nearest place for treating serious medical conditions) or the UK.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Philhealth is limited to health-related issues in the Philippines, not a wider area or any other aspect of travel should something go wrong.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.google.com\/url?q=https:\/\/www.gov.uk\/guidance\/living-in-the-philippines&amp;sa=D&amp;source=docs&amp;ust=1743091619413438&amp;usg=AOvVaw0xDDe0z64NfDi86hJszyqA\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Read more information about living in the Philippines at gov.uk<\/span><\/a><\/p>\n<h2><b>What about local private plans in the Philippines?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While you are living for an extended period in the Philippines you could choose to have a private health insurance plan from a local provider. This may get you access to higher standards of care at a private hospital but it will also\u00a0 have limits, exclusions, and may require large out-of-pocket payments before reimbursing claims.<\/span><\/p>\n<h2><b>How does longstay travel insurance compare?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Having longstay travel insurance comes with a number of benefits, not only for ensuring you are looked after in the event of injury or illness, but also for when things go wrong on your trip, and to top it off \u2013 it provides cover should you wish to visit other places too!<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers cost of medical treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comes with 24\/7 multilingual helpline<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers cost of mountain\/air rescue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Includes repatriation to the UK<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.worldwideinsure.com\/travel-blog\/2025\/03\/travel-insurance-for-expats-with-a-pre-existing-medical-condition\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Available for pre-existing conditions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides help if your passport or belongings are lost or stolen<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers costs incurred from cancelled flights or bookings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There for you if personal circumstances mean that you are no longer able to travel<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Is valid worldwide \u2013 great if you want to travel to other Southeast Asian countries<\/span><\/li>\n<\/ul>\n<p><b>In fact longstay travel insurance is a product that compliments PhilHeath!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">It is there to provide cover and peace of mind, especially for existing health conditions and unforeseen circumstances beyond falling ill or being injured.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: left;\"><b>Get The Travel Insurance You Need For The Philippines\u00a0\u2013 No Fuss Guaranteed!<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">We offer dependable insurance for British citizens living in the Philippines, including those with pre-existing medical conditions, and older travellers.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Our policies are designed to give you the peace of mind that if the worst happens, you won\u2019t have to pay large medical bills, while being covered for many other losses, too. Plus <a href=\"https:\/\/www.worldwideinsure.com\/expat-insurance.htm\" target=\"_blank\" rel=\"noopener\">we can cover you if your trip has already started<\/a>!<\/span><\/p>\n<hr\/>\n<p>\u00a0<\/p>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Whether you are in the Philippines as a retiree or you are lavishing in the luxury of a WFH lifestyle, you need to make sure that you have the right insurance should you encounter health problems while abroad. We take a look at the differences between PhilHealth, local private plans, and longstay travel insurance. Image [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":188114,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[38693,3681,28388],"dealstore":[],"offerexpiration":[],"class_list":["post-188113","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-brits","tag-living","tag-philippines"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Brits Living in the Philippines - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=188113\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Brits Living in the Philippines - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Whether you are in the Philippines as a retiree or you are lavishing in the luxury of a WFH lifestyle, you need to make sure that you have the right insurance should you encounter health problems while abroad. 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