I have personal experience with both St Lukes in BGC, and Makati Medical.
Both are excellent, as good as any hospital back home.
I had angioplasty surgery at Makati Med in 2016.
Total bill was over PHP 800,000.
I was covered by Cigna and was never asked to open my wallet once.
They just called Cigna and got pre-approval.
I have heard of some other insurers that are very reluctant to honour their commitments.