How To Compute PhilHealth Contribution: A Complete Guide to Contribution Table and Payment

PhilHealth contribution is the lifeblood that keeps the government’s health insurance provider running. In this guide, you’ll learn how much you need to pay to reap the full benefits of PhilHealth and indirectly help others who need medical care.

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.

Related: How to Register in PhilHealth Online: A Complete Guide for New Members

 

Table of Contents

 

Watch Video: How To Compute PhilHealth Member Contribution

How to Compute PhilHealth Member Co...
How to Compute PhilHealth Member Contribution

Who Are Exempted From Paying PhilHealth Contribution?

Before you start paying PhilHealth contribution, know first whether you’re required or exempted from doing so. 

Members who belong to any of the following categories don’t have to contribute to PhilHealth. 

1. Persons with disability (PWDs)

PWD members don’t need to pay anything to PhilHealth, as the national government (and employer, for employed members) shoulders their contributions. 

2. Unemployed Senior Citizens

Senior members with no or irregular source of income are exempted from paying PhilHealth contributions. Their contributions are paid for by excise taxes collected from alcohol and cigarette sales under the Sin Tax law.

However, senior citizens who are formally employed or earn a regular income should still pay their contributions under the applicable PhilHealth membership category.

Learn More: How to Avail of PhilHealth Discount and Benefits for Senior Citizen

3. Lifetime Members

Retirees with at least 120 contribution payments who are registered as lifetime members no longer need to remit to PhilHealth. 

However, lifetime members who become employees in the Philippines or abroad must resume making PhilHealth contribution payments until they resign or get terminated from work.

4. Sponsored and Indigent Members

Filipino families in poor communities who are registered with PhilHealth either as sponsored or indigent members enjoy exemption from PhilHealth contribution payment. Their contributions are paid for by another person, their LGU, a government agency like the DSWD, or a private organization.

 

How Much Is the Monthly Contribution to PhilHealth? (Updated for 2022)

philhealth contribution 1

After deferring the contribution hike in 2021, PhilHealth will now push the monthly contribution of its members from the current 3% to 4% rate starting June 20221.

The contribution hike would be retroactive from January 20222. This means if you (or your employer) already paid your contributions at 3%, you are required to generate the SPA (Statement of Premium Account) for the said paid periods in order to settle the 1% differential payments until December 31, 2022.

Shown below is the new PhilHealth premium contribution table effective June 2022:

Monthly Basic SalaryPremium RateMonthly Premium
Php 10,000 and below4.0%Php 400.00
Php 10,000.01 to Php 79,999.994.0%Php 400.00 to Php 3,200.00
Php 80,000 and above4.0%Php 3,200.00

Take note that the rate will continue to increase by increments of 0.5% every year until it caps off at 5% (the maximum limit allowed by the law) in 2025.

Hence, from 3% in 2020, expect the rate to increase to 3.5% of the member’s monthly income in 2021; 4% in 2022; 4.5% in 2023; and 5% in 2024 and 2025.

1. PhilHealth contribution table for employees and employers

Update: The scheduled increase of PhilHealth contribution rate to 4%, which was deferred last year, will proceed and take effect in June 2022 as per PhilHealth’s latest announcement. Members and employers who have already paid at the 3% rate are advised to settle and pay the 1% differential until the end of 2022.

Monthly Basic SalaryTotal Monthly ContributionEmployee ShareEmployer Share
Php 10,000 and belowPhp 400Php 200 Php 200 
Php 10,000.01 to Php 79,999.99Php 400 to Php 3,200.99Php 200  to Php 1,600 Php 200  to Php 1,600 
Php 80,000 and abovePhp 3,200 Php 1,600Php 1,600

The monthly premium will continue to be shared equally between the employee and the employer.

The monthly contribution for employees earning Php 10,000 and below is fixed at Php 400. Meanwhile, those earning Php 80,000 and above have a fixed monthly contribution of Php 3,200.

Take note that the salary ceiling of Php 80,000 in 2022 will continue to increase by an increment of Php 10,000 a year until it reaches Php 100,000 in 2024.

For those in between, use this formula to compute your PhilHealth contribution: 

Employee or employer share = (Monthly basic salary x 0.04) / 2

Here’s a sample computation for an employee with a salary of Php 25,000:

Php 25,000 x 0.04 = Php 1,000  (Total monthly contribution) / 2 = Php 500 (Employee or employer share)

The PhilHealth contribution of employees who are on extended leave without pay is equivalent to that of voluntary or individually paying members.

 

2. PhilHealth contribution table for voluntary/self-employed or direct contributors

Update: The scheduled increase of PhilHealth contribution rate to 4%, which was deferred last year, will proceed and take effect in June 2022 as per PhilHealth’s latest announcement. Members and employers who have already paid at the 3% rate are advised to settle and pay the 1% differential until the end of 2022.

Monthly IncomeTotal Monthly Contribution
Php 10,000 and belowPHP 400 
Php 10,000.01 to Php 69,999.99Php 400 to Php 3,200
Php 70,000 and abovePhp 3,200 

Just like those in the previous category, voluntary/self-employed members will also follow the new PhilHealth premium rate. Unlike salaried employees, however, they don’t have employers who will shoulder half of their monthly premium.

Therefore, members in this category will remit the full 4% of their declared monthly income to PhilHealth. For example, a voluntary member who earns Php 35,000 a month will pay a monthly premium of Php 1,400 (Php 35,000 x 0.04).

The current income floor and income ceiling for voluntary members are also fixed at Php 10,000 and Php 80,000, respectively. This means that those who have a declared monthly income of Php 10,000 and below will pay a fixed monthly premium of Php 400 while those who earn Php 80,000 and above a month will pay the same monthly premium of Php 3,200.

This income ceiling will likewise increase by Php 10,000 every year until it reaches Php 100,000 in 2024/2025.

The premium can be paid monthly or quarterly by the member.

In order for PhilHealth to come up with an accurate computation, they may require members to submit financial records like a duly-notarized affidavit of income declaration or the latest income tax return received by the Bureau of Internal Revenue.

Otherwise, their contributions will be based on the highest computed rate.

 

3. PhilHealth contribution table for land-based migrant workers and OFWs

Update: The scheduled increase of PhilHealth contribution rate to 4%, which was deferred last year, will proceed and take effect in June 2022 as per PhilHealth’s latest announcement. Members and employers who have already paid at the 3% rate are advised to settle and pay the 1% differential until the end of 2022.

Monthly Basic Salary (in Philippine pesos)Total Annual Contribution (Monthly premium x12)
Php 10,000 and belowPhp 4,800
Php 10,000.01 to Php 69,999.99Php 4,800 to Php 38,400 
Php 70,000 and abovePhp 38,400

Land-based OFWs are also affected by the recent contribution hike and their premiums will be computed straight based on their monthly earnings (see table above).

Starting June 2022, the premium rate of 4% will be followed. The computation only applies to Philippine pesos so you first need to convert your monthly salary based on the current exchange rate before you proceed.

For example, if you earn $500 a month and convert it to Philippine pesos based on the exchange rate that exists as of this writing ($1 = Php 52), you’ll have a monthly basic salary of Php 26,000.

Since the 2022 premium rate is 4%, your monthly PhilHealth premium based on your salary is Php 1,040 (Php 26,000 x 0.04) . Multiply your monthly premium by 12 and you have a total annual contribution of Php 12,480.

You don’t have to pay this in full though. You can shell out the required initial payment of Php 2,400 before leaving the country and pay the remaining balance in full after 6 months or by installment in the next two quarters.

To ensure accurate computation, PhilHealth may require land-based OFWs to present their overseas employment contract as proof of income. Otherwise, their premiums will be automatically based on the highest computed rate.

Due to public outrage, however, President Rodrigo Duterte temporarily suspended the collection of higher Philhealth premiums from overseas Filipino workers at the height of the 2020 pandemic3. In a subsequent advisory released by PhilHealth (Advisory No. 2020 – 037)4, it was announced that the payment of PhilHealth premiums for OFWs shall be voluntary for the duration of the pandemic.

Take note that the voluntary payment of OFW premiums is only valid during the duration of a national health emergency5. Once things go back to normal, expect PhilHealth to declare the payment of premiums as mandatory for all land-based OFWs.

Land-based migrant workers may see this as a burden but PhilHealth assures them that the increase in contributions is intended to “guarantee fund sustainability and to effectively implement the Universal Health Care (UHC)”6.

Seafarers have a different contribution rate and table, which is similar to employed members (see Table 1 above). The seafarers’ share of contribution is deducted from their monthly salary, and their manning agencies shoulder the employer’s share. 

 

4. PhilHealth contribution table for kasambahays

Update: The scheduled increase of PhilHealth contribution rate to 4%, which was deferred last year, will proceed and take effect in June 2022 as per PhilHealth’s latest announcement. Members and employers who have already paid at the 3% rate are advised to settle and pay the 1% differential until the end of 2022.

Monthly Basic SalaryTotal Monthly ContributionKasambahay ShareEmployer Share
Php 5,000 and belowPhp  400NonePhp 400 
Php 5,001 to Php 10,000Php 400 Php 200Php 200
Php 10,000.01 to Php 39,999.99Php 400 to Php 1,599.99Php 200 to Php 799.99Php 200 to Php 799.99

Kasambahays have the same PhilHealth contribution rate and computation as formally employed members. For household workers receiving a monthly salary of Php 5,000 (and below), their employers are required to pay their total monthly contribution in full to PhilHealth. However, kasambahays earning more than Php 5,000 should share half of their total monthly contribution payment.

 

5. PhilHealth contribution table for foreigners

Types of Foreign MembersQuarterly ContributionSemi-annual ContributionAnnual Contribution
Foreign retireesPhp 3,750Php 7,500Php 15,000
Other ForeignersPhp 4,250Php 8,500Php 17,000

Foreigners pay the highest contribution amount among all PhilHealth membership types.

Retirees in the Philippines pay Php 15,000 per year, while expats, exchange students, and other foreigners pay Php 17,000. Alternatively, they may remit their contributions every quarter or twice a year.

 

6. PhilHealth contribution for Filipinos with dual citizenship

Dual citizens are also encouraged to pay their contribution every year based on the 2021 PhilHealth premium rate (3.50%)

They can make advanced payments for up to two consecutive years only. The contributions can be remitted to any PhilHealth office or any PhilHealth-accredited collecting agent here or abroad. 

Dual citizens refer to those who have retained and re-acquired their Filipino citizenship by virtue of the Citizenship Retention and Re-acquisition Act of 2003 (Republic Act 9225).

Under the National Health Insurance Act of 2013 (R.A. 7875, as amended by R.A. 10606), Filipinos with dual citizenship can now register with PhilHealth so they can avail of its benefits. For a list of membership requirements, click here.

 

Tips and Warnings

1. PhilHealth members shall incur interests/penalties for missed payments

Starting January 2020, PhilHealth members who are lacking contributions will now be billed for their unpaid monthly premiums with interests (compounded monthly).

Employers, kasambahays, and sea-based OFWs shall incur interest of at least 3% for every month of a missed payment.

Meanwhile, land-based migrant workers/OFWs, professional practitioners, and voluntary/self-earning members will be charged a maximum interest of 1.5% for every month of the missed payment. 

2. Higher Philhealth contribution means more added benefits

The increased monthly premium is in line with the full implementation of the Universal Health Care (UHC) Law which will begin in January 2020.

Under this law, members will have access to preventive, primitive, curative, rehabilitative, and palliative care. In addition to these, they will also get outpatient benefits including drug and emergency services.

The additional benefits will also cover mental, medical, and dental services, among others.

3. The benefits of non-paying PhilHealth members will not be funded by regular paying members

These non-paying members who are exempt from paying Philhealth contributions include the senior citizens and the indirect contributors or the sponsored members/indigents.

Their benefits will be funded from the sin tax and the government’s shares from the Philippine Amusement and Gaming Corporation (PAGCOR) and the Philippine Charity Sweepstakes Office (PCSO).

 

Frequently Asked Questions

1. Where can I pay my PhilHealth contribution?

2. When should I pay my PhilHealth contribution?

3. How can I pay my PhilHealth contribution?

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

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

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

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

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

9. Is PhilHealth free for senior citizens?

10. Can I pay my PhilHealth contributions in advance?

11. I skipped/missed payment of my PhilHealth contributions. Am I still eligible for PhilHealth benefits?

12. Can a student apply for PhilHealth and pay for the contributions?

13. How many times can I use my PhilHealth?

14. How many percent does PhilHealth cover?

15. How many contributions do I need to avail of PhilHealth maternity benefits?

16. When is the PhilHealth payment deadline?

 

References

  1. PhilHealth to implement contribution hike in June. (2022). Retrieved 16 May 2022, from https://news.abs-cbn.com/video/business/05/06/22/philhealth-to-raise-contribution-rate-in-june
  2. PhilHealth says looming contribution hike to be retroactive from January. (2022). Retrieved 16 May 2022, from https://news.abs-cbn.com/business/05/13/22/philhealth-contribution-hike-retroactive-from-january
  3. Lopez, M. (2020). Duterte suspends higher PhilHealth premiums for OFWs, makes payments ‘voluntary – Roque. Retrieved 7 May 2020, from https://www.cnnphilippines.com/news/2020/5/4/Duque-lawmakers-suspend-OFW-PhilHealth-contributions.html
  4. Philhealth Advisory No. 2020 – 037: Payment Deadlines of PhilHealth Contributions for OFWs. (2020). [PDF]. Retrieved from https://www.philhealth.gov.ph/advisories/2020/adv2020-0037.pdf
  5. Terrazola, V. (2020). PhilHealth to collect OFW premiums after the pandemic — Morales. Retrieved 28 December 2020, from https://mb.com.ph/2020/06/16/philhealth-to-collect-ofw-premiums-after-the-pandemic-morales/
  6. Premium Increase and PACC Report. (2019). Retrieved 7 May 2020, from https://www.philhealth.gov.ph/news/2019/prem_increase.php

Venus Zoleta

Venus Zoleta is an experienced writer and editor for over 10 years, covering topics on personal finance, travel, government services, and digital marketing. Her background is in journalism and corporate communications. In her early 20s, she started investing and purchased a home. Now, she advocates financial literacy for Filipinos and shares her knowledge online. When she's not working, Venus bonds with her pet cats and binges on Korean dramas and Pinoy rom-coms.

129 thoughts on “How To Compute PhilHealth Contribution: A Complete Guide to Contribution Table and Payment

  1. Hello po, paano po kung nag-resign sa work and currently unemployed. Magkano po ang ibabayad at san po pwede magbayad ng contribution?

  2. Parang Indi Naman makatarungan sa ofw Ang napakataas na bayarin sa philhealth, Hindi Po kamu kumikita Ng ginto, my pangangailangan din kami at Ng among pamilya. Pag asa abroad ba kami magagamit namin sa abroad Ang philhealth?

  3. 1. One of the corrupt government agency PHILHEALTH and 2nd is LTO
    2. They claim it a UNIVERSAL HEALTH CARE, but not recornized here in Thailand.
    3. FYI “Hindi sakitin ang family ko”
    4. Compare to AXA & MANULIFE if not used your money grows
    5. 2 Decades of working! Im not been hospitalized, Only with my fisrt born twice its hospitized, but in my expense.
    6. Mandatory to secure their corruption.
    7. Dont vote those who pursue the mandatory implementation of Philhealth.
    8. As citizen of Republic of Philippines, We have rights to choose what’s best for us.
    9. What will happened to money collected? After 10yrs what TY?
    10. Obviously! INUUTAKAN AT NILOLOKO nyo lng kming mga FILIPINO

  4. Pingback: How to Pay PhilHealth Contribution: An Ultimate Guide
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  6. I am 76 years old living here. Am also a PWD. Have been paying in to Philhealth for the past 9 years. Trying to figure my contribution is.
    Or do I even need to pay.

    1. If you’re no longer an employee, there’s no need for you to pay anymore. See “Who are exempted from paying PhilHealth contribution?” above.

    2. Good day. Self-employee po ako dahil pandamic last year hindi taman aking pagbayad ng philhealth or meron ng lapse or kuha buwan s pag bayad. Concern ko magbayad po b ako s lapse last year or pwede hindi ako magbayad. Thank you.

      1. You might want to read this: https://filipiknow.net/philhealth-retroactive-payment/

  7. Pingback: How to Avail of PhilHealth Discount and Benefits for Senior Citizen

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