“A single hospital bill can wipe out years of savings.” – Anonymous
If a person becomes critically ill in the Philippines, where can he find help? In PhilHealth there is such thing called Z Benefit Package.
PhilHealth Z Benefit for Catastrophic Illnesses – 2012, President Benigno Aquino III and Health Secretary Enrique Ona unveiled the Philippine Health Insurance Corporation’s (PhilHealth’s) newest package of benefits that will primarily address catastrophic cases.
What is Case Type Z?
Case Type Z conditions are catastrophic illnesses that usually warn of prolonged hospitalization and poor outcome if early intervention is not done.
Why “Z”?
PhilHealth classifies disease conditions from type A (simplest and cheapest) to type D (the more severe and costly).
Diseases under type Z, the farthest end of the spectrum, are cases “perceived as economically and medically catastrophic” due to the seriousness of the case.
Who are covered?
All eligible PhilHealth members including the qualified dependents of the primary members.
Which diseases are covered and how much is the fixed case rates?
Included in the package are payment for hospital services such as hospital room and board fees, drugs and laboratory exams, operating room and professional fees for the entire course of treatment, including mandatory and other services required per illness.
No Balance Billing
The No Balance Billing (NBB) or the “walang dagdag bayad” policy is applicable for Sponsored members who will avail of the Z package while fixed co-pay will be applied to non-Sponsored members. The fixed co-pay is an identified amount charged and shouldered by the member on top of the Z package but will not exceed the benefit payment being paid for by PhilHealth.
The Z benefit shall be paid directly to the references hospital thus PhilHealth members will have their benefit automatically deducted from their total hospital bill.
For case rates of more common diseases, see this post:
How much Do we Really Get from PhilHealth? Part 2
Helping you Know your rights,
Do you want to get your own personal Life Insurance with Critical Illness benefit? Contact me here.
Read More:
- How much Do we Really Get from PhilHealth? Part 2
- Dissecting PhilHealth: Know your Rights and Benefits: Part 1
- How to Compute your SSS Retirement Pension?
- Filipino worker Benefits, What is Available to You?
- Do you have Critical Illness rider in your Life Insurance Policy?
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I have ovarian cancer. Really not covered?
You can look at the Philhealth website if the updated the case rates. 🙂
so conducive to learning doc!… very informative!….thanks and may you keep on sharing updates!…. god bless you and your loved ones and best health for all of us !…
Thank you alex