How To Be a PhilHealth Member as a Student: An Ultimate Guide

Nobody is immune to sickness.

Therefore, you need health insurance to pay for your hospital expenses when the unexpected happens.

But what if you’re still a young, unemployed student? Should you just let your parents carry the financial burden of your hospitalization?

Fortunately, you don’t have to. PhilHealth is the government’s health insurance provider that gives everyone access to affordable health care.

If you’re a student who wants to know how you can be a PhilHealth member and avail of its benefits, this article is for you.

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


Table of Contents

  • College students are now required to become PhilHealth members or to acquire private medical insurance before they can participate in their face-to-face classes1. PhilHealth has guaranteed that students who will be hospitalized due to COVID-19 will get a financial benefit of up to PHP 43,000 for mild cases and up to PHP 786,000 for critical and severe cases.

Can Students Apply for PhilHealth?

Yes. PhilHealth benefits are accessible to everyone, including students. How they’ll pay their contributions depends on their age and employment status.

Students below 21 years old don’t have to pay contributions provided they’re added as one of their parents’ dependents.

Once they reach their 21st birthday, students can already register either as formally employed or voluntary members and start paying the minimum monthly premium.

If the students are already 21 years old but still can’t afford the monthly PhilHealth contribution, they can apply as indigent members so they can still avail of the benefits until they’re able to land a job.

For a more detailed discussion, please read the subsequent sections.


For Students Below 21 Years Old

Students below 21 years old can become a PhilHealth member and enjoy its benefits without additional premiums. However, they shall be classified as dependent members2.

Dependent members are individuals whose contributions are being paid for by eligible/principal members (e.g. all Filipinos 21 years old and above with the capacity to pay3) and are declared as such by the principal member in their updated Member’s Data Record (MDR).

The dependents shall receive separate coverage for up to 45 days per calendar year but the allowance shall be shared among them.

PhilHealth requirements for students below 21 years old

To register, the principal member must go to the PhilHealth office and submit his/her PhilHealth Member Registration Form (PMRF) along with the following requirements to declare the student as one of the dependents:

Table 1. Summary of supporting requirements4 (These are to be attached with PMRF) 

Students (legitimate or illegitimate) below 21 years old. Any of the following:
> Birth certificate; OR
> Any valid IDs/ documents in Table 2 (1.2 and 2)
    Students below 21 years old who are adoptedCourt Decree/ resolution of adoption; AND
Any of the following:
>  Birth Certificate of the adopted child; OR
> Any two (2) valid IDs/documents in Table 2:        
a. One from 1.2 AND        
b. One from 2
     Students below 21 years old who are stepchildrenMarriage Certificate between natural parent and stepmother/stepfather; AND 
Any of the following:
> Birth Certificate of the adopted child; OR
> Any two (2) valid IDs/ documents in    Table 2:
a. One from 1.2 AND
b. One from 2

Table 2. List of other Valid Identification Cards and Documents Acknowledged by PhilHealth

Student Philhealth Member 1
Student PhilHealth Member 2

For Students 21 Years Old and Above

Students who are 21 years old and above are no longer qualified to be their parents’ dependents.

Therefore, they are already required to register either as an employee/formal economy member (if already employed) or voluntary/informal economy member (if unemployed but can afford to pay the monthly contributions).

To register with PhilHealth, follow the instructions in this article. If you want to know how much PhilHealth contributions you need to pay every month as a new member, please refer to this guide.

Are you at least 21 years old, jobless, and don’t have the means to pay even the minimum monthly contribution?

No problem. You can still avail of PhilHealth benefits as an indigent member5.

To qualify, you must submit the following requirements to the nearest PhilHealth office:

  • Certification from the Municipal Social Welfare and Development Office (MSWDO) or the medical social worker in the hospital. This certification will attest that you belong to the poorest of the poor under the National Household Targeting System (NHTS).
  • Barangay clearance
  • Birth certificate
  • Marriage certificate (if married)

Students will stay under this indigent category until they are able to get a job and be able to afford the monthly PhilHealth premium.



  1. ALAMIN: Paano magkakaroon ng PhilHealth ang mga estudyante sa kolehiyo. (2022). Retrieved 2 April 2022, from
  2. Qualified Dependents for Sponsored Members. Retrieved 27 January 2021, from
  3. PhilHealth Members. Retrieved 27 January 2021, from
  4. PhilHealth Circular No. 050, s. 2012 (Updated Documentary Requirements for Member Registration, Amendment, and Benefit Availment). (2012). [PDF]. Retrieved from
  5. Petinglay, A. (2020). 21-yr-old and above told to register with PhilHealth. Retrieved 27 January 2021, from

Meg Amante

Meg Amante is a student who works part-time. She adores dogs and cats. She loves travelling with her family during the holidays to different Asian countries. Her ambition is to become a doctor in the future but while she is still a student, a good occasional binge-watch of her favorite series keeps her occupied.

12 thoughts on “How To Be a PhilHealth Member as a Student: An Ultimate Guide

  1. Hello! Saan po ninyo nakuha yang data na pwede mag-apply na member ang “at least 21 years old, jobless”? Pwede po bang makahingi ng link or ano ng PDF kung saan yan sinasabi.

    1. The list of references is already provided. The fourth one should answer your question.

  2. Indigigent po ata tawag doon, not Inactive since yan ung hindi talaga nakakareceive ng PHIC benefit.

  3. Hi! I would like to apply as a voluntary member, but in the registration form, I don’t know what member type I should choose. I am just a student with no job but can afford minimum monthly contributions.

    1. Under Direct Contributor, you should choose Self-Earning Individual then tick the box that corresponds to Individual. That’s the only category I can see that makes sense for students like you, assuming you’re already earning from a part-time job or side hustle.

  4. Hi, is it necessary to submit the “Certification from the Municipal Social Welfare and Development Office (MSWDO) or the medical social worker in the hospital. This certification will attest that you belong to the poorest of the poor under the National Household Targeting System (NHTS),” when the reason for applying as an inactive member is just because I’m still a student?

    1. You only need to submit that if you’re jobless and too poor to even pay the monthly contribution.

  5. I have a couain daughter since chikd however the parenta gone already how to apply philheath

  6. Pingback: PhilHealth Online Registration: A Complete Guide for New Members
  7. Pingback: PhilHealth Contribution Table 2021: A Guide to Contributions and Payment

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