How To Continue PhilHealth Contribution After You Stopped Paying

PhilHealth members stop paying contributions due to a lot of reasons. Some fail to fulfill their obligations due to financial constraints or job loss, while other voluntary members intentionally do it because they believe it’s pointless.

Whatever the circumstances may be, there are members who will eventually decide to “restart” their membership and continue paying their contributions. If you’re one of them, this article will answer all your frequently asked questions.

Disclaimer: This article has been published for educational purposes only. Neither the author nor FilipiKnow is affiliated with PhilHealth, so specific queries about your membership and insurance benefits must be forwarded to the proper authority. 

Table of Contents

I Already Registered but Have Not Made Contributions in Years. How Do I Reactivate My PhilHealth Account?

No further registration is required. Each PhilHealth subscriber receives a special identification number. However, you have to renew your membership. You must submit an updated PMRF (PhilHealth Member Registration Form) in order to do this.

Fill out the areas of the form that need to be modified from the last time you made a payment by checking the box next to the amendment. Update your income information as well.

Depending on when your previous premium was paid, you can be liable for any missed ones. To discuss your unique situation and the proper payment since this may differ from case to case, it is recommended to stop by your local PhilHealth branch.

Do I Need to Pay for Missed PhilHealth Contributions?

Yes. Under the UHC’s IRR1, non-payment will not result in the termination of receiving benefits; however, you will be obligated to make up any missed payments and monthly interest compounding.

If you made nine consecutive monthly payments before the unpaid months or a retroactive payment within one month after the unpaid months, you are eligible to make a payment retrospectively for up to three months. If not, you will be required to pay the fine.

Again, it is better to personally go to your local PhilHealth office to discuss your case and check how much you need to pay for the missed contributions.

How Can I Pay My Unpaid PhilHealth Contributions?

You can follow this guide to know how to pay your PhilHealth contributions for the months you’ve missed.

As stated earlier, PhilHealth allows retroactive contribution payment as long as the member has paid nine consecutive monthly contributions2 before the unpaid months/missed quarter.

In addition, you must pay retroactively within one month after the unpaid months 

For example, you missed paying your PhilHealth contributions from July to September 2019. You can retroactively pay for those unpaid months within October 2019 if you have consistently paid your contributions for October 2018 to June 2019.

Members will NOT be denied PhilHealth coverage due to non-payment of premiums. However, members with incomplete PhilHealth contributions and who failed to pay them within the grace period as explained above will now be billed for their unpaid monthly premiums with interests (compounded monthly).

I’ve Resigned From My Job To Become a Self-Employed Member/OFW. How Can I Continue Paying My PhilHealth Contributions?

If you stopped your PhilHealth contribution payments because you resigned from local employment to become self-employed or an OFW, you should visit the nearest PhilHealth office to update your membership category to the Informal Economy – Self-Earning Individual or Migrant Worker (whichever is applicable). 

Check this guide for the steps to change your PhilHealth membership information.

Once your membership data is updated, you can start paying contributions again at any Local Health Insurance Office or accredited collecting agents nationwide or abroad.

References

  1. Philippines, Department of Health (DOH), PhilHealth. (2019). Implementing Rules and Regulations of the Universal Health Care Act (Republic Act No. 11223). Official Gazette of the Republic of the Philippines.
  2. Philippines, Department of Health (DOH), PhilHealth. (2017). PhilHealth Circular No. 2017-0021: Application of Sufficient Regularity of Payment of Premium Contributions to the Required Qualifying Contributions for Eligibility to PhilHealth Benefits.

Camille Lamera, MD

Camille Lamera is a medical doctor with clinical and government work experience. She has always been passionate about health education and public service, having worked in two government offices and as a part-time educator in Preventive and Community Medicine. She is currently working as a doctor in public health while also doing freelance academic and scientific writing.

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