Post‑Kidney Transplant in the Philippines – Anyone Here Actually Insured?

I’m looking for information for my 39‑year‑old Filipina wife, a dual US/Philippines citizen and kidney transplant recipient with stable function. We’re trying to understand what real health insurance options exist in the Philippines after a transplant. She already has (or will have) PhilHealth, and we know about the PhilHealth transplant benefits. What we’re really hoping to find are people who: * Live in the Philippines * Are post‑kidney transplant * And actually have **private** coverage (local HMO or international/expat) on top of PhilHealth If that’s you, or someone close to you, I’d be really grateful to hear: * What company and plan you/they have * In simple terms, whether it helps at all with transplant follow‑up (nephrologist visits, labs, meds, or hospital stays), or if it only covers unrelated stuff Even brief experiences like “this HMO accepted me but excluded everything kidney‑related” or “this overseas plan at least helps with labs” would be super helpful. You can keep it vague or anonymous if you want. Thanks in advance to anyone willing to share. This feels like a very specific situation, and hearing from people who’ve actually gone through it in the Philippines would mean a lot to us.