Hi everyone . I've lived in Philippines for 16 years. I have to say I was quite surprised to find out t hat healthcare is never free here . You actually have to pay a deposit before being admitted even if its an emergency . So not only you have to pay for any services , but you have to pay in advance and the prices are monstrous . Hospitals won't do anything unless you pay. In short -- you have to afford to be avail necessary treatment or diagnostic procedure. That means helthcare is a privilege not a right. How could that have happened ? Are not taxes paid supposedly cover all possible health issues including subsidies of private hospitals ? Interestingly government hospitals are good only for dying as government spends only 0.9% of it's budget for healthcare ( info from Wikipedia) . Private hospitals don't even employ medical personnel except for technicians and nurses . Doctors rent spaces in hospitals . When you have a surgery you are billed as follows ; surgery room per hour , equipment used per hour , professional fee of doc , hospitalization per day plus all medical supply used down to needles and cotton buds and medications all priced several times higher than outside in the most expensive drug store Mercury drug ( another notorious criminal organization) . They will also hold you ( at least they will try ) inside hospital in till you pay all your bills. What a joke ! Healthcare is actually a business here and not a right of each individual regardless of financial status . In such conditions it is your right and duty to defraud insurance companies . So far I do so as much as I can letting others use my HMO card ( nobody asks for id if you noticed) ...