We have medical insurance like Philhealth, which we pay a contribution every payday. But you can avail this only if you are admitted to the hospital for seven days and with specific illness only and with an amount limit.

There are public hospitals owned by government but you need to endure long lines and don't expect for good service. Though sometimes there are medical staffs that are really approachable. Or maybe they are just tired catering a lot of patients.
Aside from that, lack of equipment.

And my family had a not so good experience in public hospitals so we always opted to go in private.

I used to have a medical insurance from the company I am working with. Yet due the pandemic, it was put on hold as to date. That was a great help before since I can used it in good private hospitals here!

Now, darn I had to pay for my own expenses 🤣