Link to Michael Onstad facebook.com/monstad1 WhatsApp 0919 581 3100 michael.onstad@loc-consultants.com

So basically, high deductible health insurance in the Philippines: cheaper and designed to be used only for major things. Anything not major is very cheap for out-of-pocket in the Philippines.

My wife and I have our Pacific Cross insurance through Michael. He was very helpful and informative. We’re very happy with our policy. His assistant, Miles, was great too.

Mike good info but please have two microphones because moving the mic back and forth between the two of you made it hard to hear him. Some answers were left unclear. I know you did other videos with Mike about healthcare. Thanks though!

I don't mean to be too harsh. But nobody explained the cost or the different policies. Yes, you may have done this in another video that's a year old. But people want to hear current information. Plus, you are always getting new people to watch your videos. So, some redoing of information is important. I'm sorry but this video didn't help me on deciding where to purchase health insurance at. Thanks for letting us know he's a nice guy. People watch these KZfaq videos to make their decision on how to prepare to move to the Philippines to enjoy their retirement successfully.

Enjoying your blog,watching from Florida USA

Mike congratulations on your new youtube channel 🎉 i pray that you will get more subscribers

High deductible No coverage for a year Too many clauses Pre existing not covered Read all the fine print .

Very interesting thank you

Thanks for this good info was wondering about that

Love your content Michael keep it coming

Thank you for the information. Will make contact with Michael and will let him know that it's because of your youtube video.

Every line of the 20 page contract gives them an excuse not to honor their obligations. Best strategy is to put money aside and self insure. I have philhealth to make sure i wont be denied treatment if unconscious.

Watching here 😊

Good morning ☀️

His service is great

Enjoying this

Michael, La Union is pronounced as “La Oonyon” not like the vegetable with the soft o in the beginning, if that helps. It’s the “oo” sound as in spooky or cookie.

I pay for catastrophic insurance here in Thailand for inpatient only, but I have a 70+ friend from Norway who is after years, move back to Europe, because he is developing Parkinson’s, and the new medication that is working is US$1,000/mo. Things like Chemo or dialysis would be very expensive to do on a regular basis as well.

A mate of mine used to be state manager for commercial union insurance ..his brief used to be to all agents,when claims come in,to look for a way to pay the claim,that changed in the 80,to "make sure you find a way on not to pay the claim."..He left the company

Does Michael a You Tube channel?

Darn. Second's better than last.😊

I was first😊

I like his recommendation to keep your Medicare for those first 12 months just to be safe. I don't like what I heard about those known pre-existing conditions stuff being excluded BUT then becoming permanent exclusions. I remember watching another video interview where that did happen to a guy on this insurance and he was in better health after those 12 months than when he first got the insurance. What is an unknown pre-existing condition? How can it be considered "pre-existing" when it something one didn't know they had? I'm also curious how far back those medical forms "look back" at your medical history (1 yr, 2 yrs or more). In my case, I was diabetic (taking insulin) last year but now I don't need it or any medication for diabetes since getting my blood sugar under control with diet and exercise. I've taken a high-blood-pressure medication (Losartan) for 20 years and will probably always need to take it to keep my blood pressure normal. Does something like that that exclude people from treatment for anything heart related, permanently?

A breakdown of travel insurance would be nice, for like a first time 3-6 month discovery trip visit…something a lot of people likely don’t even consider.

Thanks guys I am still on the fence with health insurance in the Philippines. I kept my Medicare and also have a supplement. All I would want is fix me up to take a 16 hour flight to the US. I am also going to look into Phil Health. I know it’s not medical insurance it’s a discount for treatment. But what I have been told from friends Phil Health gets you in the hospital without up front money. Michael thanks again for another great video.

This seems to be overlooked when going to the Philippines and not enough people are talking about it..seems like people are hoping to stay healthy and not looking at ways to cover long term illnesses

I'm Canadian. I would like to hear insurance strategy for using Canada government medical insurance as back up i.e. option of returning to Canada for treatment if necessary.

I received a quote Pacific Cross... $930 a year.. Seems high to me.. like almost better to keep that amount in an investment account and pull it if some unfortunate event occurred.

Cut the bacon and gravy heavy meals and instead go light to bring personal weight down and a host of health related problems like heart disease and diabetes. Add this with exercise and sleeping well you shouldn't have a reason to take meds. Heck, Im 60yrs and I haven't taken meds in my life ever. You can do it. Meds leads to dependence and more meds and high cost. Leads to depression and early death. 😅😂

How can Michael be reached?

Test I recommended Homocysteine and HOMA, Supplement Cq10 liquid form mixed with Olive oil and liquid vitamin with arginine, and walking in morning sun...😊

Question on the healthcare over there - Say you do have a heart attack or stroke or something really bad and you're not able to communicate effectively - do the hospitals patch you up and get you alive again like we have in the US (EMTALA)? Or do they just let you die because you can't necessarily pay right there and then?

The easiest insurance is the one that pays a lump sum, no questions asked. We have a field trip(I think, it' such a long time ago) before in highschool then insurance person suddenly appeared at our class doorstep selling insurance for P10. She explained if you lost a finger we'll give you P1,000 and then if you lose a leg we'll give you P5000 and so forth, no questions ask. It's all voluntary anyway. Then I suddenly saw a loophole what if I buy 2 insurance would I get P2000 if I lost a finger she just smiled thinking I just saw their loophole and graciously agreed. Then my classmate expressed annoyed thinking I was crazy.

Va in Manila? Opinions?

La Union is spanish. it's pronounced as ʊ in pull.

Is there an age limit,coz my friend is 80 ?

I'm covered by the Veterans administration....only good thing that I got from 13 months in Iraq...

I can ot et a response rom him

Health insurance and EMT are not good in the Philippines but funeral services are first class.

What happens if you have a medical emergency and are unconscious. Therefore unable to provide payment info. Do they just let you die? 3:11

Nah.. you don't look like a heart attack candidate.

HMO? Please explain things as if not all of your watchers are North American, as I am not.

Anti oxidants and god keep heart attacks away Michael

Pls don’t keep saying cheap. Hospitals, doctors will take note of that. Not many people like me have moniesss. I like this topic pls keep highlighting it . By the way, I’m confused

Yeah well, given your horrible meat-only diet, a heart attack or stroke is a given. In 50 percent of heart attacks cases, sudden death will be your FIRST symptom and no insurance will save you from yourself.

U in union is pronounced as in the word uno, ( Spanish for the number one ), it’s a Spanish word. La Union in Spanish is The Union in English. Jeez man haven’t you learned by now that the Philippines is heavily influenced with Spanish words?

I looked into it but they will make you sign waivers not covering anything to do either a pre existing you had a stomach surgery they won’t cover nothing to do with digestive system so you’re basically giving away money if you have any kind of pre existing

Keep in mind we all know what insurance covers and cost in America if you’re over 60 do you really think it’s this easy as they claiming oh sign up either is and you’ll live ! Come on you don’t discuss how they will make you sign waivers after first year