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


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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.

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

 

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.

Monthly Basic Salary
Total Monthly Contribution
Employee Share
Employer Share
Php 10,000 and below
Php 300
Php 150
Php 150
Php 10,000.01 to Php 59,999.99
Php 300 to Php 1,799.99
Php 150 to Php 899.99
Php 150 to Php 899.99
Php 60,000 and above
Php 1,800
Php 900
Php 900
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 salary 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.

philhealth contribution 1

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.

philhealth contribution 2

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 3,600 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.

philhealth contribution 3

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.

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.

Monthly Basic Salary
Total Monthly Contribution
Kasambahay Share
Employer Share
Php 5,000 and below
Php 300
None
Php 300
Php 5,001 to Php 10,000
Php 300
Php 150
Php 150
Php 10,000.01 to Php 39,999.99
Php 300 to Php 1,199.99
Php 150 to Php 599.99
Php 150 to Php 599.99
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.

Types of Foreign Members
Quarterly Contribution
Semi-annual Contribution
Annual Contribution
Foreign retirees
Php 3,750
Php 7,500
Php 15,000
Other foreigners
Php 4,250
Php 8,500
Php 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 pay their contribution of Php 3,600 every year. They can make advanced payments for up to two consecutive years only.

 

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 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 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?

 

About the Author.

Venus Zoleta is an experienced writer and editor for nearly 15 years, covering topics on personal finance, travel, government services, and digital marketing. Her background is in journalism and public relations. 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 plans her next travel adventure.

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

  1. OMG!!! i don’t think OFW’s would agree to pay this kind of contribution. It’s too much…!!!

  2. I paid last year for July 2019 to June 2020. Because of the increase in premium (3%) starting January 2020, do I need to pay for the balance from January-June 2020?

  3. If a foreigner has to pay many times more than Filipinos, why are they excluded from ‘Z’ benefits?
    In 5 years a of payment a foreigner will have contributed more to Philhealth than any local.

    1. Please note that Filipino OCWs earning more than $1,200/month pay 21,600 per year, Table #3. So yku’re not entirely correct. My guess, and if’s only a guess, is that since most permanent resident foreigners are 50+, we as a group are the most likely to get the very expensive “systems failure” medical problems: strokes, heart attacks, need for heart bypass , cancer, and lung surgery – all the Schedule Z problems. Covering Schedule problems would either require humongous payments or bankrupt the system. My advice to you if you’re over 50: have 2 million set aside for medical expenses. You’ll probably need it.

    1. Yes.

      But this must be noted:

      “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 missed payment.”

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  6. Thanks for the update. However, I’m a foreigner legally married to a Filipina living in the Philippines for 10 years. After the new rate for foreigners went into effect, I was still covered by my wife as her dependent. She has “Voluntary Status” and paid 2,400 pesos a year two years ago for coverage which included me. We went directly to our local PhilHealth office and paid. The PhilHealth employee told my wife that since we already had coverage, I still would be covered as my wife’s dependent under the 2,400 peso a year rate and not 15,000 or 17,000 pesos a year.
    However, each office might treat each case differently.

    1. There is an on-going debate over this issue. Last November, when I was in Cebu, I went to their main office there. VERY helpful. For almost an hour my “guide” led me from office to office as I tried to get a definitive answer. Finally, six section chiefs all reached a cknsensus: I would not be covered even though I had been on my wife’s PhilHealth for over a decade.
      Yesterday at PhilHealth in Dipolog, up front the staff told my wife, sorry, for your husband to be covered, pay 17k. Your risk, frankly, is when you submit a bill for payment. Good luck.

  7. sir /madam
    can i ask you something regarding the contribution,because i pay the contribution last oct so this coming of january i pay again or not,

    1. You can find the answer here: https://filipiknow.net/philhealth-retroactive-payment/

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