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For P7 M hospital bill, only P50K covered, magistrate recounts personal experience with PhilHealth benefits
By Nidz Godino
“I don’t know how to compute it, but I’m sure it’s less than 2%,” Associate Justice Jhosep Lopez said during the Supreme Court En Banc’s session in Baguio City ,during SC oral arguments on legality of transferring excess funds from Philippine Health Insurance Corporation (PhilHealth), comments took on more “personal” tone.
Lopez narrated his personal experience with PhilHealth’s benefits when he was diagnosed with cancer in 2023.
Lopez bill reached almost P7 million and state health insurance agency only covered P50,000 of his total bill.
He added that PhilHealth also failed to cover “regular procedures” he had undergone after his surgery for cancer.
“Every time I do that procedure, I have to spend more or less around P40,000,personally, I asked how much can be covered by Philhealth…they cannot answer any of P40,000…despite the fact that I’ve been regularly paying Philhealth for the last, how long has it been in existence? magistrate said.
Lopez also asked whether PhilHealth could be held accountable for unused funds from 2021, instead of continuously increasing benefits over time.
He further inquired if it would be more appropriate for government to use its own funds for other purposes, rather than incurring interest by borrowing.
“Are you telling us now, Mr. SVP ,Senior Vice President, government failed to make use of money available at that time…it’s sitting idly on the side or invested in some other things that you want to make use of it now, that’s why you have to invest it or to put it in government coffers to answer for some unprogrammed activities of the government?” Lopez asked Philhealth Senior Vice President Renato Limsiaco Jr.
In response, Limsiaco said that money was used during COVID-19 pandemic.
“From 2021-2023, we are using the money, but because of the pandemic, availment of benefits has decreased and premium is legislated, meaning it is continuous because it is provided by law…. national government subsidy goes to PhilHealth,” Limsiaco said
PhilHealth reported in June last year it had excess funds totaling P89.9 billion from 2021 to 2023, Department of Finance ordered to be transferred.
The P89.9 billion consisted of P27.1 billion from 2021, P24 billion from 2022, and P38.8 billion from 2023.
Legislators criticized PhilHealth’s “inaccurate estimates” for additional funding and pushed state health insurer to either enhance benefits or decrease premium rates.
Supreme Court halted transfer of remaining P29.9 billion in unused PhilHealth funds to the government on Oct. 29, 2024.
Previously, P20 billion was transferred on May 10 last year, P10 billion on August 21, and P30 billion on October 16.
Supreme Court concluded the oral arguments on Thursday, April 3.
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