Philippine Hospitals Pay Before Service

No money No Service Philippine Hospitals

VCMC

This may seem like a odd concept to a western society and that goes beyond cruel.  

However I will tell you about our recent experience prior to the birth of our second child.  We went to the hospital emergency room for my wife.  She was running a fever and had been sick for several day. So we get to the emergency room and after about 4 hours they decided to admit her.  I paid the emergency room fees of 5200 pesos ($160.00).  Then per policy they require that I pay 80% of the approximate bill prior to admitting her.  She was 7 months along in her pregnancy and was having contractions.  In addition to running a high fever and low blood iron levels.  They required at 4pm (4 am east cost time) on a Tuesday I pay 30,000 ($750.00 ) pesos to admit her.   Considering I just drew out $200 dollars for the emergency room and my credit limit on my cards was $500.00 this placed me in a situation.  I tried to explain to the hospital that I was unable to draw additional money till noon the next day. I could not call to get my credit limits lifted to draw money out as it was 4am US time. 
They knew the fact that they were placing mother and child in danger.  Yet refused to admit them till I had the money to pay prior to service.  Actually told us to leave and come back when you get the money.  They knew she needed a blood transfusion and knew she needed an incubator for the baby.  She also had contractions and 101 fever.  They used this to calculate how much cash I would need to admit her. 
I was very lucky friends and family came to my rescue to help with the initial fees and allowed her to be admitted to the hospital.   All was well and the baby was born as scheduled not early.  Yet it should be a warning to all that visit the Philippines.  Hospitals require 80% estimate fees prior to admission.

If you planning to visit or live here check out my Expat 101 article

keywords: tim potter, Sugarland Texas, USMCRETIRED, Norseman, Hospital, Cebu, Philippines
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4 thoughts on “Philippine Hospitals Pay Before Service

  1. The main reason I came back to the USA after a stay of 18 months,well I was riding around on motorcycles with my gf on the back,hell,we rode everyday in all kinds of weather and condidtions.muddy trails rain soaked city streets,land slide hillside roads,you name it.But I had no reserve budget set aside to handle a crash(which happened nearly every outing)so I am back to USA until I bring some big bucks.

  2. Welcome to the world. If you plan to live overseas one should also learn the local standards and be able to accommodate them. We recommend to everyone that they maintain around $10,000 in local accounts and have a credit card with a similar limit. That will avoid these issues. Unfortunately to many don't heed this advice. The good thing is the cost of the care in the US would have been twice that.Many people complain about the governments roll in providing health care in the US until it applies to them.

  3. Even though I still live in the US I do have a BPI account in the Philippines that a good friend was able to get for me because he was close friends with the manager of the Ayala BPI branch, I have over 3 million pesos sitting in there right now and even with that amount in there I'm still a little worried about moving there thinking that won't be enough IN THE LONG RUN.NASCAR MAN

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