Health Coverage Gap Engine
Gross hospital cost minus your existing coverage equals your out-of-pocket gap. Move the sliders to see how your situation shifts the math.
Gross Hospital Cost₱0
−Coverage Offsets₱0
=Your Gap₱0
Scenario shown: Major Surgery (10-day)
Philippine coverage — PhilHealth, employer HMO, personal HMO — provides essentially zero offset for overseas care. You need international health insurance.
Your GapCoverage Offsets
At 15% annual medical inflation
| Today | 3 years | 5 years |
|---|
Conservative end of the 15–19% range observed 2023–2025 (WTW). Illustration only.
Assessment
—
Maternity
| Normal delivery | C-section |
|---|
Many employer HMOs exclude maternity or limit it to a sub-benefit. Check your certificate of coverage.
This is an estimate, not financial advice. Does not model specific HMO exclusions, waiting periods, or pre-existing condition clauses. Consult a licensed professional before making a coverage decision.
