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How do wealthy and upper-middle class expats in the Philippines manage (and pay) for their healthcare, given the idiosyncrasies of the Philippine hospital & medical system? Is there American-style insurance available, or is everything out of pocket?

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Why does the Philippines have poor healthcare? There's a story about a leading hospital trying to claim property, at far less than its value, to pay the bill of a deceased patient, before they would release the body.

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