Brian,
Sorry to hear that your mobility is limited. That's how I got started with macro. I was fortunate: surgery fixed me well enough that I am mobile again. However, I was hooked, and I still do more macro than anything else.
I agree with Randy. I don't think 14 MP will hold you back. Magnification will. I don't know what your budget is, but I think there really isn't a good alternative to an SLR with a macro lens. The good news, however, is that it doesn't matter all that much what SLR you use. Macro doesn't require a lot of fancy features, and a lot of very good macro photography is done with Canon's entry level Rebels.
I don't know what your budget is, but if you were here in the states, I would recommend looking at used gear from a reputable vendor like KEH. I just checked, and you can get a Rebel T3i (18 MP) and a canon 100mm macro lens (not the L model), both in excellent condition, for about $700 for the pair. They ship internationally, but I have no idea what the rates would be. You could e-mail them to find out (
www.keh.com).
A camera of this sort would offer you a number of advantages. It would give you 1:1 magnification, which is enough for a lot of macro work. Once you are really comfortable at the 1:1 magnification it offers, you may well want more. It is cheap to get higher magnification by adding extension tubes.
Recognizing that you are on a budget and may not be able to get all this, here what my long-term macro wish list would be, for a no-frills but flexible setup. I'll put them in what I think is priority order, if bugs are the focus (no pun intended):
1. an SLR body and one dedicated macro lens, probably 100mm. Longer gives you more reach, but longer lenses are more expensive and much heavier, and they are not useful for table-top work.
2. A flash, with a home-made diffuser. This is extremely helpful for bugs. Mine looks sort of like this. My flash is a Canon 430 EX II.
3. A monopod with a tilt head for chasing bugs. It's hard to hold the equipment steady enough without some support, particularly if you add a flash. Brian Valentine, one of the best macro photographers, just uses a stick. A cheap but adequate lightweight monopod with a lightweight tilt head can be had here for under $100 for the pair. (I have an extra, a never used Oben [B&H] aluminum monopod and a Benro head, that I would happily sell, but shipping to the Philippines might cost nearly as much as they are worth.)
4. A tripod, if you decide to do flower macros, especially indoors. (In a hot setting, bugs don't usually stay put long enough for me to get my tripod set up.)
Dan