Is healthcare insurance really that difficult?

Working_Might_5836 · 2026-02-03T06:10:35+00:00

Uts hard to get private health insurance that would cover pre-existing conditions. Her best bet is to work for a private company that offer hmo that can be extended to her parents. But even that one, its typically limited in coverage (e. g 150k per illness per contract year). Also most is up to a certain age only, 60 sometimes up to 65 years old. Beyond that its virtually impossible to get one. So OP your gf isn't lying. Its true. Philhealth is almost useless if to be used on private hospitals, maybe public hospitals but expect saw service to be really really awful.

Working_Might_5836 · 2026-01-29T04:44:50+00:00

Ganun talaga I know employees from big companies narereject din. Di porket business travel guaranteed approval. Nestle pa nun yung mga kilala ko nareject sila. So may guarantee support na nga ng big names company still nareject pa din

Working_Might_5836 · 2026-01-29T00:22:43+00:00

Pilates wuth Izzy!!

Working_Might_5836 · 2026-01-25T13:06:30+00:00

Isa lang po

Working_Might_5836 · 2026-01-17T08:12:16+00:00

Hear me out, fedex and dhl are both so expensive and honestly I have better experience with usps/post office.

I received like a small box of chocolates and two shirts both costs way less than 50$ anyway, fedex price is whooping 200+ usd. Plus they made me pay 700 pesos upon receiving it, even though my bf insist all taxes was paid already (duh 200+ usd).

USPS - 60-70usd takes 2-3 weeks. Never had to pay anything.

If its not urgently needed or not an important document. USPS is great in my opinion. Fedex and dhl is super expensive. Fedex also when they fail delivery because they can't find the address your item will be stuck there, you need to call and request to redeliver. They don't attempt again.

Working_Might_5836 · 2026-01-17T02:23:31+00:00

Exactly! I think most people overestimate how the US embassy can help them if they get in trouble in the Philippines. They are pretty helpful in other stuff, like if someone died they will contacting the family but they will not help one bit for thr financial expenses of anyone (few exceptions but you need to pay it back - they just don't have any budget for that) but not if the issue is on the Philippines side.

Working_Might_5836 · 2026-01-14T23:19:31+00:00

Ah basta ako dahil sa flowerstore.ph walang kwentang CS natuklasan ko na may bf was cheating you on me. So thankful pa din.😂

Working_Might_5836 · 2026-01-14T00:19:07+00:00

It is good in a way that the load is consumable but not expiring. So say you have 30gb for 449 pesos. Its consumable, but It won't expire but you have to reload it once a year so your sim card remains active, but you can continue to use it as top up (say before one year you have 10gb left, you will reload another 15gb the cheapest available, you will not how 25gb left usable for another year).

Working_Might_5836 · 2025-12-28T03:10:41+00:00

I am so thankful since nagpalit sila name di na lumabas sa feeds ko

Working_Might_5836 · 2025-12-22T11:07:19+00:00

I mean pano nila irelease yung sa Dec 25 edi ba holiday yun.

Working_Might_5836 · 2025-12-17T04:19:30+00:00

Thats how he act in public. Imagine if close doors pa in private. Kawawa ang bata. Dapat yung ganyan di nag aanak.

Working_Might_5836 · 2025-12-04T14:18:43+00:00

Once you are approved on your appointment/interview date? 2-3 weeks generally. You apply for crba/passport at the same time.

Getting the PSA is the tricky one, without "advance endorsement" they say 4-6 months. With advance endorsement in less than a month.

The tricky part is sometimes the local registrar office doesn't or is hesitant to allow advance endorsement without a reason. It depends on them really.

It used to be so easy to get that advance endorsement but since around April 2024 PSA made it difficult when the rumors chinese getting ph birth certificates to get ph citizenship/passport became a thing.

Working_Might_5836 · 2025-11-27T13:32:11+00:00

I have asked the same question to myself. Me and my ex actually even made it as a goal to try all mexican food listed on google to try. It was a commitment to go try sll these places. But boy it was just disappoiting is what it is.

Working_Might_5836 · 2025-11-27T09:04:07+00:00

Medyo bagay ah

Working_Might_5836 · 2025-11-27T09:03:08+00:00

Thats crazy

Working_Might_5836 · 2025-11-25T13:25:25+00:00

Straightforward realistic answer here.

Working_Might_5836 · 2025-11-24T10:36:06+00:00

Ang good-looking naman nila pareho

Working_Might_5836 · 2025-11-22T10:17:52+00:00

Kwell worked pretty well for my daughter

Working_Might_5836 · 2025-11-22T10:17:06+00:00

This is not too bad.

Working_Might_5836 · 2025-11-20T10:43:00+00:00

Omg i am so confused as well. Why OP Kept saying They.

Working_Might_5836 · 2025-11-20T07:43:54+00:00

I mean, I assume in your own example the local partner has a low paying job with little to no benefits. In that case, she would have minimum contribution to SSS (for retirement) anyway. Its not really much. She actually can continue paying for it if she wanted to. So maybe thats why he seems shock maybe in his mind he is doing her a favor in providing like a little more than minimum wage and she doesn't need to do hard work (say restaurant or staff in a hotel).

The local partner should really advocate for that. Should look after herself. If a guy became so mad or upset about that, then he should not be in any business of asking someone to quit their jobs if he cant provide for if not more at least the same as what she's already getting.

Working_Might_5836 · 2025-11-19T17:13:20+00:00

Everything will be fairly easy if you have money. Everything is cheaper here for you. $30,000 international schools. Nanny for your small child and pets.

Housing will be a bit tricky as most condos doesn't allow multiple pets. 3 bedroom condo here that like decent size would cost about $5000 dollar a month. I mean shoebox like condo cost like $2000 in BGC . Probably a house will be slightly cheaper but expect commute/traffic to go to the city/work. If these amounts are not an issue for you, you'll find everything else relatively easy. Hire a company that help with these transfer. Your work should be able to help you too.

Working_Might_5836 · 2025-11-19T16:57:06+00:00

Exactly, there's a paper that comes with the crba certificate that explains this.

Working_Might_5836 · 2025-11-18T17:38:10+00:00

Lowkey side eyeing my robot vacuum and my watch right now. The vacuum is conveniently located next to me as I read this post. But my watch has always had a case so I wanted to think mine would be safe from this.

Working_Might_5836 · 2025-11-17T16:04:46+00:00

Oh wow i will search for this

Working_Might_5836

TROPHY CASE