Is it okay to have 2 health insurances (one from PhilHealth and another from a private company)?

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Yes. Paying for your medical bills is easier on the pocket if you have health insurance from both PhilHealth and a private company, be it a company-sponsored HMO (health maintenance organization) or overseas health insurance plan (in the case of OFWs).

When a member is hospitalized, PhilHealth benefits are deducted first from the total hospital bill before the HMO or health insurance provider pays for the balance.

HMO and health insurance plans also have a yearly maximum benefit limit. If your hospital bill exceeds this limit, you’ll have to pay the balance out of your pocket.

If you’re worried about the additional cost that comes with paying PhilHealth contributions, think of it this way: paying for hospitalization costs on your own when you get sick is a lot more expensive. 

Another good reason to become a PhilHealth member and pay contributions: you can get health insurance coverage for your qualified dependents at no additional cost.

Your PhilHealth contribution amount remains the same regardless of how many dependents you declared. And when a family member gets sick, you can rest easy knowing that the medical bills will be reduced, thanks to your dependent’s PhilHealth coverage.

Go back to the main article: How to Register in PhilHealth Online: A Complete Guide for New Members