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 for 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 275
Php 137.50
Php 137.50
Php 10,000.01 to Php 39,999.99
Php 275 to Php 1,099.99
Php 137.50 to Php 549.99
Php 137.50 to Php 549.99
Php 40,000 and above
Php 1,100
Php 550
Php 550
The monthly PhilHealth contribution rate for employed members is 2.75% of the monthly basic salary, shared equally between the employee and the employer.

The monthly contribution for employees earning Php 10,000 and below is fixed at Php 275. Those earning Php 40,000 or higher have a fixed monthly contribution of Php 1,100.

Use this formula to compute your PhilHealth contribution: 

Employee or employer share = (Monthly basic salary x 0.0275) / 2

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

Php 25,000 x 0.0275 = Php 687.50 (Total monthly contribution) / 2 = Php 343.75 (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 members (except for foreigners).

Monthly Income
Monthly Contribution
Quarterly Contribution
Semi-annual Contribution
Annual Contribution
Php 25,000 and below
Php 200
Php 600
Php 1,200
Php 2,400
Above Php 25,000
Php 300
Php 900
Php 1,800
Php 3,600
Voluntary members pay a fixed amount for their contribution, depending on their income bracket.

Those who earn above Php 25,000 per month pay higher contribution than those who earn Php 25,000 and below. They can pay every month, quarter, six months, or year.

For their PhilHealth contribution, minors and unemployed members pay Php 200 monthly, Php 600 quarterly, Php 1,200 semi-annually, or Php 2,400 annually.

 

3. PhilHealth contribution for OFWs.

Land-based OFWs pay a fixed amount of Php 2,400 for their annual PhilHealth contribution. They can pay in advance for two to five years, depending on their employment term.

Seafarers have a different contribution rate and table, which is salary-based similar to employed members. 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
Below Php 5,000
Php 275
None
Php 275
Php 5,000 to Php 10,000
Php 275
Php 137.50
Php 137.50
Php 10,000.01 to Php 39,999.99
Php 275 to Php 1,099.99
Php 137.50 to Php 549.99
Php 137.50 to Php 549.99
Kasambahays have the same PhilHealth contribution rate (2.75% in 2019) and computation with formally employed members.

For household workers receiving a monthly salary of less than Php 5,000, their employers are required to pay their total monthly contribution to PhilHealth. However, kasambahays earning at least 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.

 

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?

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