Last Updated on 10/22/2020 by FilipiKnow
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.
Table of Contents
- Who are exempted from paying PhilHealth contribution?
- How much is the monthly contribution to PhilHealth?
- 1. PhilHealth contribution table for employees and employers.
- 2. PhilHealth contribution for voluntary (self-paying) members and professional practitioners.
- 3. PhilHealth contribution for OFWs.
- 4. PhilHealth contribution table for kasambahays.
- 5. PhilHealth contribution table for foreigners.
- 6. PhilHealth contribution for Filipinos with dual citizenship.
- Tips and Warnings.
- 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 actually 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?
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 contribution. 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.
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?
1. PhilHealth contribution table for employees and employers.
As part of the full implementation of the Universal Health Care (UHC) Law, the monthly PhilHealth contribution rate for employed members will increase from 2.75% to 3% of the monthly basic salary1 starting January 2020.
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 300. Those earning Php 60,000 and above have a fixed monthly contribution of Php 1,800.
For those in between, use this formula to compute your PhilHealth contribution:
Employee or employer share = (Monthly basic salary x 0.03) / 2
Here’s a sample computation for an employee with a salary of Php 25,000:
Php 25,000 x 0.03 = Php 750 (Total monthly contribution) / 2 = Php 375 (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.
Take note that the premium rate will further increase from 3% in the succeeding years to sustain the National Health Insurance Fund, ensuring all Filipinos–including those lacking contributions–will have equal access to benefits during confinement.
As shown in the table above, the rate will increase by increments of 0.5% every year until it caps off to 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.
2. PhilHealth contribution for voluntary (self-paying) members and professional practitioners.
From the basic annual premium rate of Php 2,400 (Php 200 if paid monthly or Php 600 if paid quarterly) in 2019, the PhilHealth contribution of voluntary members will increase to Php 3,6002 in 2020 (Php 300 if paid monthly or Php 900 if paid quarterly).
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 for OFWs.
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).
For example, if you’re earning USD 800 (equivalent to Php 41,600), your total annual PhilHealth contribution based on the new premium rate of 3% is Php 14,976.
You don’t have to pay this in full. Instead, 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 them to present their overseas employment contract as proof of income. Otherwise, their premiums will be automatically based on the highest computed rate.
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)”3. PhilHealth President Ricardo C. Morales also advises the OFWs to look at their PhilHealth contributions as an “investment” that will protect themselves “against the financial burden of treatment”.
Update: Due to public outrage, President Rodrigo Duterte has temporarily suspended the collection of higher Philhealth premiums from overseas Filipino workers4. In a subsequent advisory released by Philhealth (Advisory No. 2020 – 037)5, it is announced that the premium payment for OFWs shall be voluntary for the duration of the pandemic. Should you decide to pay, you may do so at the previous rate of Php 2,400 as initial payment. You will then be given 12 months or 1 year to complete the remaining balance for the year.
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 share.
4. PhilHealth contribution table for kasambahays.
Kasambahays have the same PhilHealth contribution rate (3% in 2020) and computation with 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.
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 pay their contribution of Php 3,600 every year6. 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 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.
4. I want to make sure that my payments are actually remitted. How can I check my PhilHealth contributions?
- Rico, J. (2019). PhilHealth sets a new contribution schedule; assures immediate eligibility to benefits. Retrieved 7 May 2020, from https://www.philhealth.gov.ph/news/2019/new_contri.php
- Austria, H. (2019). PhilHealth to raise premium contribution to 3% next year. Retrieved 7 May 2020, from https://www.pna.gov.ph/articles/1088405
- Premium Increase and PACC Report. (2019). Retrieved 7 May 2020, from https://www.philhealth.gov.ph/news/2019/prem_increase.php
- 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
- 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
- Abella, P. (2017). Filipinos with dual citizenship are now covered by PhilHealth. Retrieved 7 May 2020, from https://www.philhealth.gov.ph/news/2017/dual_covered.html