Health Insurance for Foreigners in the Philippines
We frequently get questions about Health Insurance for foreigners in the Philippines. Many retirees are also opting for PhilHealth, if they don’t have a health insurance in their home country. However, there are some significant chances in the rules and regulations of the PhilHealth membership for foreign nationals. Starting 1st of January, 2018 the membership rate for foreigners is changing.
The following information was provided to us early June 2017 by PhilHealth and should count as a guideline for our foreign friends. For detailed information and further questions you should seek the assistance of your local PhilHealth Office.
The objective of this informative post is to provide the implementing guidelines on the enrollment and coverage of retirees who are foreign nationals or former Filipinos, and other foreign citizens working and/or residing in the Philippines in accordance with the provisions of the Revised Implementing Rules and Regulations (RIRR) of Republic Act (RA) No. 7875, as further amended by RA No. 10606.
- Foreign retirees or former Filipino nationals and their qualified dependents, who are holders of Special Resident Retiree’s Visa (SRRV) and granted permanent residency , status pursuant to Section 9 (d) of Executive Order No. 1037 dated July 4, 1985.
- Citizens of other countries working and/or residing in the Philippines and.holders of valid Alien Certificate of Registration Identity Card (ACR I-Card).
Foreign Citizens with formal contract whose premium contributions are equally shared by the employees and the employer.
Definition of Terms
- Foreign retiree — refers to any foreign national or former Filipino at least 35 years old, who chose to retire and live in the Philippines and qualified holder of SRRV.
- Special Resident Retiree’s Visa (SRRV) — is a special non-immigrant visa issued by the Bureau of Immigration (BI) through the Retirement Program of the PRA. It entitles the holder to multiple indefinite entry privileges with the right to stay permanently in the Philippines.
- Alien Certificate of Registration Identity Card (ACR I-Card) – is a microchip based, credit card-sized, identification card issued to all registered aliens whose stay in the Philippines has exceeded fifty-nine (59) days. This includes foreign nationals under immigrant and non-immigrant visas and holders of Temporary Visitor’s Visa.
Below are the mechanisms for the coverage of PRA foreign retirees and other foreign citizens under the Informal Economy Program of the NHIP:
- Foreign nationals are required to enroll as member and shall not be covered as dependent by their Filipino Spouse.
- All foreign nationals are qualified to be covered under the Lifetime Member Program of the NHIP once they have reached the age of 60 and have made 120 monthly contributions. However, they are not qualified for the mandatory PhilHealth coverage as provided under the expanded Senior Citizens Act.
- In case of death of covered foreign nationals, the qualified dependent/s shall continue to avail of PhilHealth benefits for the remaining unexpired portion of the coverage.
1. Upon registration to LHIO, new member-foreign national will be issued with thefollowing:
- PhilHealth Identification Number (PIN)
- Member Data Record (MDR)
- PhilHealth ID Card
2. Initial payment of premium contribution shall be made to the nearest LHIO while succeeding payments may be made at any PhilHealth accredited collecting agents (ACAs) or banks nationwide.
3. In case of changes in personal information or declaration of additional dependents, the member shall be required to proceed to the nearest LHIO and submit the previously issued MDR reflecting the necessary data adjustment together with he attached proof/ supporting document/s. Once updated thru the PhilHealth system application, a new MDR shall be printed and issued to the member.
4. In the availment of benefits, the patient shall be checked for eligibility through the PhilHealth Enhanced Health Care Institution (HCI) Portal. Those with qualifying contributions will be entitled to benefits and shall be issued with PhilHealth Benefit Eligibility Form (PBEF).
5. in case the membership and coverage of foreign nationals have not been reflected/updated thru the PhilHealth HCI Portal, the MDR and PhilHealth Official Receipt (POR)/ PhilHealth Agent’s Receipt (PAR)/ Certificate of Premium Payment (CPP)/ Bill Payment Receipt (for non-banks) may be presented to the accredited health care facility as proof of benefit entitlement.
6. The PhilHealth Customer Assistance, Relationship and Empowerment Staff (CARES), currently deployed in various accredited hospitals nationwide, shall be required to provide the necessary assistance to the members in the availment of benefits.
All existing related issuances with provisions inconsistent herewith are hereby repealed and modified accordingly. Other provisions consistent with the foregoing shall remain valid and in full force.
Please keep in mind that this post is only for information purpose. All questions regarding the PhilHealth Health Insurance for foreigner in the Philippines need to be addressed to a PhilHealth Customer Assistance at your local office. You may also look at their website for further information.