How to Pay PhilHealth Contribution: An Ultimate Guide

Last Updated on 04/23/2021 by FilipiKnow

Paying your PhilHealth contribution? Never miss a deadline by knowing the most convenient and easiest ways to send your payment, no matter where you are.

Go back to the main article: PhilHealth Contribution Table: A Complete Guide to Contributions and Payment

 

Can I pay my PhilHealth contribution online?

Yes. Online payment of PhilHealth contribution is available to both employers and voluntary members. Employers can remit their employees’ contributions via accredited banking portals like Bancnet e-Gov. Meanwhile, self-paying individuals with declared monthly income can pay their contributions online via the newly revamped PhilHealth Member Portal¹.

 

Where to pay PhilHealth contribution?

1. PhilHealth offices.

Contributions can be paid at any PhilHealth Regional Office or Local Health Insurance Office in the Philippines.

OFWs may also pay their contribution at the PhilHealth counter of the POEA main office in EDSA Ortigas, Mandaluyong before securing an Overseas Employment Certificate (OEC).

PhilHealth Express sites in malls don’t accept contribution payments. Instead, you should pay at the nearest PhilHealth-accredited collecting agent located within the mall premises.

2. Over-the-counter collecting partners.

If there’s no PhilHealth branch near your home or office, you may pay your contribution via any PhilHealth-accredited collecting partner nationwide.

• Asia United Bank
• Bank of Commerce
• Bank One Savings & Trust Corporation
• Bayad Center outlets and accredited agents
• Camalig Bank
• Century Rural Bank
• Century Savings Bank
• China Bank
• China Bank Savings
• Citystate Savings Bank
• Development Bank of the Philippines (DBP)
• EastWest Rural Bank
• LANDBANK
• Select local government units
• Maybank
• Money Mall Rural Bank
• One Network Bank
• Overseas Filipino Bank
• Penbank
• Philippine Business Bank
• Philippine Veterans Bank
• RCBC Savings Bank
• RCBC
• Robinsons Bank
• Rural Bank of Bambang
• Rural Bank of Jose Panganiban
• Rural Bank of Sta. Catalina
• Saviour Rural Bank
• SM Business Centers and bills payment counters in SM Supermarket, SM Hypermarket, and Savemore
• UCPB
• UCPB Savings Bank
• UnionBank

Related: How to Choose a Bank: An Ultimate Guide to the Top Banks in the Philippines

3. Online payment channels.

Employers and self-paying members can pay their contributions online.

Employers can conveniently pay their employees’ PhilHealth contributions through any of these  online banking facilities:

• BPI ExpressLink
• Security Bank Digibanker
• UnionBank’s OneHub.Gov
• BancNet e-Gov (for clients of BancNet-member banks)

Meanwhile, self-paying individuals can also pay their contributions via the new PhilHealth Member Portal. For more information, please read the “How to Pay PhilHealth Contribution for Voluntary Members/Self-Paying Individuals” section below.

4. Overseas collecting partners.

PhilHealth’s overseas partners accept contribution payments from OFWs and traveling Pinoys abroad.

• Bank of Commerce’s foreign remittance partners
• Bayad Center
• DBP’s tie-ups abroad
• iRemit
• Ventaja

 

When should I pay my PhilHealth contribution?

1. PhilHealth contribution payment schedule for employers.

Business and household employers are required to remit their employees’ contributions every month.

• Employers whose PhilHealth Employer Number (PEN) ends in 0 to 4 should pay every 11th to 15th day of the month following the applicable period. 
• Employers with PEN ending in 5 to 9 should pay every 16th to 20th day of the month following the applicable period. 

For example, contributions for October 2019 should be remitted by 11th to 15th or 16th to 20th day of November 2019.

2. PhilHealth contribution payment schedule for voluntary members.

Here are the contribution remittance deadlines that individually paying members must remember according to their chosen payment frequency:

Payment Frequency	Payment Deadline	Example
Monthly	Last working day of the applicable month	Month being paid for: October 2019 Deadline: October 31, 2019
Quarterly	Last working day of the applicable quarter	Quarter being paid for: October-December 2019 Deadline: December 27, 2019
Semi-annual	Last working day of the first quarter of the applicable semester	Semester being paid for: July-December 2019 Deadline: September 30, 2019
Annual	Last working day of the first quarter of the applicable year	Year being paid for: 2020 Deadline: March 31, 2020

 

How to Pay PhilHealth Contribution for Employees.

Employees pay their share of contribution through salary deduction. Their employers remit the deducted amount plus the employer share to PhilHealth every month.

How to Pay PhilHealth Contribution for Employers.

All employers are required to use the Electronic Premium Remittance System (EPRS) for PhilHealth contribution payments. The EPRS is an online service that simplifies the remitting and reporting of employee and employer contributions to PhilHealth.

Here’s how to pay your employees’ contribution through the EPRS.

Step 1: Register for an EPRS account.

To access the EPRS, employers should register for an account online through the Electronic PhilHealth Online Access Form (ePOAF) using any browser.

Simply provide the required information on the online form.

The PEN field asks for the PhilHealth Employer Number, while the PIN of PEER field requires the PhilHealth number of the PhilHealth Employer Engagement Representative (PEER) who is the employer’s designated official point person or representative. 

Next, enter the security code as it appears on the screen. Then click the Validate Employer button.

Alternatively, employers may manually fill out a PhilHealth Online Access Form and submit it to the nearest PhilHealth office. 

After filing your online or manual employer registration, check your email for a message from PhilHealth with instructions that you should follow to proceed with your account creation.

Step 2: Update your employee masterlist.

This step ensures that you’re remitting and reporting properly to PhilHealth. 

First, log into your EPRS account. To update only a few employees, click the Edit Employee Profile button corresponding to the name of your employee/s and update each employee’s information as needed. When you’re done, click the Submit button. 

To update a large number of employees, click on “Remittance Management” > “file upload.”

Upload your latest employee masterlist in CSV file format. On the Applicable Period drop-down menu, select the month and year you’re paying for. 

Finally, click the Validate CSV File Format button and then the OK button. You’ll see a short notification about the successful uploading of your remittance report.

Step 3: Generate the Statement of Premium Account (SPA).

The SPA is the basis of how much contribution the employer should remit to PhilHealth.

To generate your SPA, click on “Payment Management” > “Payment Posting.” You’ll see the Summary of PhilHealth Premium Payment.

Hover the mouse over the print icon on the right side of the page and click on “Generate SPA / PPPS.” 

The system will display your SPA. Print a copy of it, which you’ll use for the contribution remittance.

Step 4: Pay and post your PhilHealth contribution.

Deduct each employee’s share of contribution from his/her monthly basic salary. Refer to the PhilHealth contribution table for employees.

Afterward, remit your employees’ contribution, together with the employer’s share, to any accredited over-the-counter collecting agents nationwide or through any online payment options not later than the due date.

a. How to pay and post contribution via over-the-counter collecting agents.

Present the copy of your latest SPA when paying the contribution to PhilHealth.

Pay only the exact Total Amount Due indicated in your SPA. PhilHealth doesn’t accept insufficient or excess amount for contribution payments.

After paying PhilHealth contribution, follow these steps to post your contribution remittance online:

1. Log into your EPRS account.
2. Click on “Payment Management” > “Payment Posting.” 
3. Hover the mouse over the print icon and click on “Payment for Posting.” 
4. Click the Payment Option icon on the right side of the page.
5. The Payment for Posting page will appear. On the Payment Option drop-down menu, select “Collecting Agent: Banks / Non-Banks.” 
6. On the drop-down menu, select the name of the bank or remittance center you transacted with.
7. Type your official receipt (OR) number.
8. Select the OR date (date of payment) from the drop-down menu.
9. Click the Submit button.

Posting of your contribution payment will undergo validation by the PhilHealth. It usually takes three days to post the remittance. 

b. How to pay and post contribution via online payment channels.

1. On EPRS, click on “Payment Management” > “Payment Posting.”
2. Click the Payment Option icon on the right side of the page.
3. The Payment for Posting page will appear. On the Payment Option drop-down menu, select “Online Payment.”
4. Select the bank where you have an online account with. The system will direct you to the online banking facility of your chosen bank. 
5. Proceed with the online contribution payment through your bank’s e-banking service.
6. Once your transaction is complete, an official receipt (OR) number will be automatically generated. You can find your latest OR number in your transaction history. To view it, click on “Transaction Monitoring” > “Transaction History.”
7. You’ll also be issued an Employer Remittance Report, which you can access by clicking on “Remittance Management” > “Remittance Status.” Your contribution remittance is immediately posted.

How to Pay PhilHealth Contribution for Voluntary Members/Self-Paying Individuals.

Members who belong to any of the following categories must pay their PhilHealth contribution on their own:

• Self-employed individuals/Freelancers
• OFWs
• Informal workers
• Employers
• Filipinos with dual citizenship
• Foreign retirees and other foreigners working and/or living in the Philippines
• iGroup members

The only two requirements for PhilHealth contribution payment are the PhilHealth Identification Number (PIN) and the Statement of Premium Account (SPA). The latter serves as your billing statement and can be generated via the PhilHealth Member Portal. To access the said portal, you must first create an account first.

Lost or forgot your PhilHealth number? Check this guide to recover it.

Although the PhilHealth ID is not required for contribution payment, it’s best to have it ready, in case you need to check your PhilHealth number or the cashier requests it for validation purposes.

Here are two ways to pay your contribution as a voluntary member or self-paying individual:

Option 1: Over the counter.

Step 1: Go to any PhilHealth branch (except those in malls) or over-the-counter collecting agent.

When paying at a PhilHealth office, request a PhilHealth Premium Payment Slip (or download it here beforehand).

When paying at a third-party agent, ask for a payment/deposit/transaction slip for PhilHealth contribution.

Step 2: Fill out the payment slip.

Make sure to write down your correct PhilHealth number so that your payment will not be credited to another member’s account.

The Applicable Period/Month(s) field should also be filled out correctly to avoid an error in your record or delay in your transaction.

Filling out the payment slip for PhilHealth contribution payment can be confusing for first-timers. Here are some quick guides to help you properly provide the required information on the payment slip.

a. How to fill out the PhilHealth Premium Payment Slip.

Only individually paying members and household employers may use this PhilHealth contribution payment slip. Employers in the private or government sector must use their Statement of Premium Account (SPA) instead.

Field Name	Required Information
PIN/POGN/PEN/PSN	Member's 12-digit PhilHealth number (For household employers, provide the PhilHealth Employer Number.)
Member's Name	Member's surname, first name, and middle name
Household Employer/Sponsor/Agency Name	Skip this field if you're not a household employer or PhilHealth sponsor.
Member Type	Put a mark on the applicable membership category. Choose only one.
Applicable Period	Month/s being paid for in MMYY format Examples: *Payment for October 2019 - Write "From 1019 to 1019" *Payment for July to December 2019 - Write "From 0719 to 1219"
Member Contact No./Email Address	Member's landline/mobile number or email address
Amount Paid	Contribution amount for the applicable period

b. How to fill out the Bayad Center Transaction Form for PhilHealth contribution payment.

The listed fields below are required, except for two optional fields. Just skip the fields that are not included in this list. 

Field Name	Required Information
Account Name	Member's surname, first name, and middle name
Present Address	Member's present address (Optional)
Contact No.	Member's landline/mobile number (Optional)
Transaction Details	Put a mark on "Bills Payment"
Biller	Write "PhilHealth"
Date	Date of payment
ID Number	Member's 12-digit PhilHealth number
Payment Type	Put a mark on "Contribution"
Payor Type	Put a mark on the applicable membership category: *SE - Self-employed *VM - Voluntary member *OFW - Overseas worker *Others - Other member typ
Applicable Month(s) and Year	Month/s being paid for Examples: *Payment for October 2019 - Write "From October to October 2019" *Payment for October to December 2019 - Write "From October to December 2019"
Contribution/Month	Contribution amount per month (e.g., Php 200)
Total Amount	Total contribution amount for the applicable period
Payment Details	Put a mark on "Cash" (Bayad Center accepts only cash payments for PhilHealth contributions.)
Cash Php	Write the same amount you indicated on the Total Amount field.
Total Php	Write the same amount you indicated on the Total Amount field.
Signature over printed name	Write the payor's name and sign above it.

c. How to fill out the PhilHealth Premium Order Slip for contribution payment at SM Malls.

Field Name	Required Information
Branch	Name of SM branch where you're paying contribution (e.g., SM Hypermarket Cubao, SM North EDSA, etc.)
Date of Payment	Present date when the contribution is paid
PIN / PEN	12-digit PhilHealth number or PhilHealth Employer Number
Business / Agency Name	Employer's company name (For employers remitting employee contribution only. Skip this field if you're an individually paying member.)
Member's Name	Member's surname, first name, and middle name
Member Type	Put a mark on the applicable membership category: *Voluntary - Individually paying members *Private - Employers in the private sector *Government - Employers in the government sector
Applicable Period	Month/s being paid for in MMYY format Examples: *Payment for October 2019 - Write "From 1019 to 1019" *Payment for July to December 2019 - Write "From 0719 to 1219"
Mode of Payment	Put a mark on "Cash" and write the total contribution amount to pay (e.g., "600" for October-December payment)

d. How to fill out the bank deposit/payment slip for PhilHealth contribution payment.

The steps to accomplish a bank deposit or payment slip for your contribution remittance are quite the same with those of non-bank payment channels.

If you have a question or need help in filling out the form, approach the bank personnel for assistance.

Step 3: Submit the payment slip and pay your contribution.

Line up at the counter and hand over your accomplished payment slip and cash payment to the cashier or teller.

Wait for the teller to issue your validated payment slip, which is your proof of PhilHealth contribution payment.

Your payment will be posted in real-time if you settled it at a PhilHealth office. If you paid through an accredited collecting agent, posting takes up to two working days.

Option 2: Online.

As of March 2021, self-paying members can now pay their PhilHealth contributions online through the newly revamped PhilHealth Member Portal.

How to Pay PhilHealth Contribution Online for Voluntary Members/Self-Paying Individuals.

To learn how to pay your PhilHealth contributions online, follow the step-by-step guide below.

1. Go to the PhilHealth Member Portal
2. Log in with your PhilHealth number and password
3. Look for Payment Management on the main menu and click the downward arrow to view the drop-down list
4. Select Generate SPA. The SPA or Statement of Premium Account will serve as your billing statement. In order for you to have access to this and start paying your premiums online, make sure your Member Information is updated and complete. If you haven’t provided your monthly income, please proceed to the nearest PhilHealth office to submit tax documents and have your declared monthly income updated
5. Under Premium Payment Option, select the number of months that you’ll be paying for. You can pay for a minimum of 1 month to a maximum of 36 months (3 years) in advance
6. Wait for the payment management module to display the total contributions due for payment and the corresponding due date. The computation will be based on your declared monthly income. Again, without a monthly income declared on your Member Information, you won’t be able to generate SPA and pay your contributions online (see step 4)
7. Choose an accredited collecting agent (ACA) from the options available. As of this writing, you can only pay via IPAY-MYEG Philippines, Inc. Other payment partners like PayMaya will be added later
8. Select how you want to pay. Depending on the payment partner you’ve chosen, you can pay through credit card, debit card, prepaid card, or mobile wallet like GCash. Expect to pay for additional service and convenience fees for the transaction
9. Wait for the electronic PhilHealth Acknowledgement receipt or ePAR. You will also receive an email or SMS notification confirming that the payment has been completed.

Go back to the main article: How to Compute PhilHealth Contribution: A Complete Guide to Contribution Table and Payment

 

Frequently Asked Questions.

1. I want to make sure that my payments are actually remitted. How can I check my PhilHealth contributions?

2. How many contributions should I pay to avail of PhilHealth benefits?

3. Can I pay PhilHealth contribution for the months that I missed?

4. I stopped paying my PhilHealth contributions years ago. How do I continue making payments?

5. There’s a discrepancy between my posted and actual contributions. What should I do?

6. Can I pay my PhilHealth contributions in advance?

 

References.

1. PhilHealth offers online payment window for self-paying individuals. (2021). Retrieved 23 April 2021, from https://businessmirror.com.ph/2021/03/20/philhealth-offers-online-payment-window-for-self-paying-individuals/