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

Last Updated on 01/27/2021 by FilipiKnowOpens in a new tab.

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 MembersOpens in a new tab.

 

Table of Contents

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 taxesOpens in a new tab. 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 CitizenOpens in a new tab.

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 in 2021?

As shown in the table below, the premium rate will increase starting 2019 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

The rate will 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.

Update: The scheduled premium hike has been suspended following PhilHealth’s official announcement on January 5, 2021, that there’s an “interim arrangement” put in place allowing the deferment of the said scheduled adjustment. PhilHealth will still stick to the 2020 premium rate of 3% instead of 3.5% until Congress is able to pass a law to make the suspension permanent. Otherwise, it will proceed with the scheduled premium rate.

1. PhilHealth contribution table in 2021 for employees and employers.

Monthly Basic Salary
Total Monthly Contribution
Employee Share
Employer Share
Php 10,000 and below
Php 350
Php 175
Php 175
Php 10,000.01 to Php 69,999.99
Php 350 to Php 2,449.99
Php 175 to Php 1,224.99
Php 175 to Php 1,224.99
Php 70,000 and above
Php 2,450
Php 1,225
Php 1,225

As part of the full implementation of the Universal Health Care (UHC) Law, the monthly PhilHealth contribution rate for employed members will increase from 3% of the monthly basic salary in 2020 to 3.50% in 20211 starting January 2021. 

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 350. Meanwhile, those earning Php 70,000 and above have a fixed monthly contribution of Php 2,450.

Take note that the salary ceiling of Php 70,000 in 2021 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 0.035) / 2

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

Php 25,000 x 0.035 = Php 875 (Total monthly contribution) / 2 = Php 437.5 (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 in 2021 for voluntary/self-employed or direct contributors.


Monthly Income
Total Monthly Contribution
Php 10,000 and below
Php 350
Php 10,000.01 to Php 69,999.99
Php 350 to Php 2,449.99
Php 70,000 and above
Php 2,450

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 3.50% 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 1,225 (Php 35,000 x 0.035).

The current income floor and income ceiling for voluntary members are also fixed at Php 10,000 and Php 70,000, 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 350 while those who earn Php 70,000 and above a month will pay the same monthly premium of Php 2,450.

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 returnOpens in a new tab. received by the Bureau of Internal Revenue.

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

 

3. PhilHealth contribution table in 2021 for land-based migrant workers and OFWs.

Monthly Basic Salary (in Philippine pesos)
Total Annual Contribution (Monthly premium x 12)
Php 10,000 and below
Php 4,200
Php 10,000.01 to Php 69,999.99
Php 4,200 to Php 29,399.99
Php 70,000 and above
Php 29,400

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).

For 2021, the premium rate of 3.50% 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 48.06), you’ll have a monthly basic salary of Php 24,030.

Since the 2021 premium rate is 3.5%, your monthly PhilHealth premium based on your salary is Php 841.05 (Php 24,030 x 0.035). Multiply your monthly premium by 12 and you have total annual contributions of Php 10,092.06.

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 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 pandemic2. In a subsequent advisory released by Philhealth (Advisory No. 2020 – 037)3, it was announced that the payment of PhilHealth premiums of 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 emergency4. 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)”5.

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 in 2021 for kasambahays.

Monthly Basic Salary
Total Monthly Contribution
Kasambahay Share
Employer Share
Php 5,000 and below
Php 350
None
Php 350
Php 5,001 to Php 10,000
Php 350
Php 175
Php 175
Php 10,000.01 to Php 39,999.99
Php 350 to Php 1,399.99
Php 175 to Php 699.99
Php 175 to Php 699.99

Kasambahays have the same PhilHealth contribution rate (3.5% in 2021) 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 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 hereOpens in a new tab..

 

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 citizensOpens in a new tab. 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)Opens in a new tab..

 

Frequently Asked Questions.

1. Where can I pay my PhilHealth contribution?Opens in a new tab.

2. When should I pay my PhilHealth contribution?Opens in a new tab.

3. How can I pay my PhilHealth contribution?Opens in a new tab.

4. I want to make sure that my payments are actually remitted. How can I check my PhilHealth contributions?Opens in a new tab.

5. How many contributions should I pay to avail of PhilHealth benefits?Opens in a new tab.

6. Can I pay PhilHealth contribution for the months that I missed?Opens in a new tab.

7. I stopped paying my PhilHealth contributions years ago. How do I continue making payments?Opens in a new tab.

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

9. Is PhilHealth free for senior citizens?Opens in a new tab.

10. Can I pay my PhilHealth contributions in advance?Opens in a new tab.

11. I skipped/missed payment of my PhilHealth contributions. Am I still eligible for PhilHealth benefits?Opens in a new tab.

12. Can a student apply for PhilHealth and pay for the contributions?Opens in a new tab.

13. How many times can I use my PhilHealth? Opens in a new tab.

14. How many percent does PhilHealth cover?Opens in a new tab.

 

References.

  1. 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.phpOpens in a new tab.
  2. 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.htmlOpens in a new tab.
  3. 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.pdfOpens in a new tab.
  4. 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/Opens in a new tab.
  5. Premium Increase and PACC Report. (2019). Retrieved 7 May 2020, from https://www.philhealth.gov.ph/news/2019/prem_increase.phpOpens in a new tab.

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.

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

  1. Pingback: How to Be a PhilHealth Member as a Student: An Ultimate Guide
    1. The maximum rate of 5% shall take effect by that year. From that year onwards, 5% will remain as the contribution rate. You can’t stop paying for the contributions unless you’re one of the members exempted by law to contribute. See the “Who are exempted from paying PhilHealth contribution?” section above for more info.

  2. Good day po.

    Itatanong ko lang po, dati po akong ofw aftive sa philhealth, ngayon po ay housewife visa napo po at gusto kung ituloy ang contribution ko sa philhelath. saan po ang rank ko sa volunteer po na po ba na 350 pesos monthly?

    Salamat po.

  3. How much will i pay (phic contribution) for my Students(medical students) they are still in school, 0 salary.

    1. They should be paying the minimum amount of Php 350 per month as voluntary members.

  4. I paid P2,400 for my voluntary contribution. I didn’t know that there was an increase for 2020. My contribution should have been P3,600 (300/month). In their website my contribution reflected 200/month. How do I pay for the balance of P1,200?

    1. Please check the updated table above. The minimum monthly contribution of voluntary members for 2021 is now Php 350. As for your other question, please refer to this article: https://filipiknow.net/philhealth-retroactive-payment/

  5. Hasn’t PhilHealth already changed the payment for voluntary members to 3% of their income (this year, 2020, and will go up .5% per year until it reaches 5%)? This is on the PhilHealth website. Are we actually still allowed to only pay 3600 per year as voluntary members?
    https://www.philhealth.gov.ph/news/2019/new_contri.php#gsc.tab=0

    1. We’ve already updated the article above to include the new contribution tables for 2021. Voluntary members will pay 3.50% of their declared monthly income to PhilHealth. Members whose monthly income is Php 10,000 (the floor income) or below will pay a fixed monthly premium of Php 350 while those whose income is Php 70,000 (the income ceiling) and above will all pay the maximum monthly premium of Php 2,450.

  6. For employer, pwde po ba next month na po namin bayaran yung interest po? thru china bank lang po kami nagbabayad.

  7. Hi,
    I stopped paying for my contribution years ago and I want to continue making payments. Do I need to pay interest also?

    1. I think the new policy only applies to members who missed their payments on or after the said policy took effect.

    2. i am a govt employee,but i just resigned recently due to this pandemic..i want to continue my payment/contibution as a voluntary ..what shud i do?where can i process it and and how much will be my monthly contribution now since i am already voluntary status..thanks..

      1. Here’s an article about updating your PhilHealth membership status: https://filipiknow.net/how-to-update-philhealth-mdr/

        Please refer to the updated contribution table above for voluntary/self-employed members.

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