If you are a freelancer or a remote worker, then getting your own health insurance is a necessity. Employers from outside the Philippines will rarely offer health insurance benefits so you have no choice but to take care of it on your own or risk not getting any insurance at all.

You might think that health insurance is expensive. Well, it is if you prefer a premium plan that has extensive coverage. But if you don’t always get sick or hospitalised, then health insurance for emergency purposes will do.

In my case, I purchased PhilCare’s ER Shield insurance from Maria Health. It costs 800php, good for one-time use, and coverage is up to 50,000php for emergency purposes. This kind of insurance works for me given that I keep my health top priority. I eat healthy and exercise as often as I can. I also get an annual physical exam to make sure that I’m still in good shape. Another good thing about this prepaid insurance, once you use it, you can buy another one at the same price. Or if you have a shitty health insurance from your company, you can also purchase this and use it as an add-on to your existing HMO. Just think, you will only pay 800php for 50,000php coverage. Not bad, right?

If you are looking for health insurance that has better coverage, you can browse through Maria Health for options. Maria Health has both comprehensive and prepaid plans. You can also go directly to Maximare or Philcare or Medicard.

Getting health insurance is a no-brainer. Don’t wait until it’s too late and you’re stressing about how to pay your medical bills.