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

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

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 PaymentOpens in a new tab.

 

Can students apply for PhilHealth?

Yes. PhilHealth benefits are accessible to everyone, including students. How they’ll pay their contributions depend 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 an inactive member 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 members1.

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 pay2) 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 requirements3 (These are to be attached with PMRF) 

DECLARATION OF DEPENDENTSREQUIREMENTS
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 articleOpens in a new tab.. If you want to know how much PhilHealth contributions you need to pay every month as a new member, please refer to this guideOpens in a new tab..

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 “inactive member”4.

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 certificateOpens in a new tab.
  • Marriage certificate (if married)

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

 

References.

  1. Qualified Dependents for Sponsored Members. Retrieved 27 January 2021, from https://www.philhealth.gov.ph/members/sponsored/dependent.html#gsc.tab=0Opens in a new tab.
  2. PhilHealth Members. Retrieved 27 January 2021, from https://www.philhealth.gov.ph/members/#gsc.tab=0Opens in a new tab.
  3. PhilHealth Circular No. 050, s. 2012 (Updated Documentary Requirements for Member Registration, Amendment, and Benefit Availment). (2012). [PDF]. Retrieved from https://www.philhealth.gov.ph/circulars/2012/circ50_2012.pdfOpens in a new tab.
  4. Petinglay, A. (2020). 21-yr-old and above told to register with PhilHealth. Retrieved 27 January 2021, from https://www.pna.gov.ph/articles/1094974Opens in a new tab.

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.

2 thoughts on “How to Be a PhilHealth Member as a Student: An Ultimate Guide

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

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