The Philippine Health Insurance Corporation or Philhealth is a government owned and controlled corporation founded on February 5, 1995. Its main goal is to ensure the health of every Filipino through social health insurance regardless of social status. Millions of Filipinos are members PhilHealth.
One of the benefits of being a member of the PhilHealth is that this program can aid you in terms of hospital expenses in cases of confinement. The member and his or her parents and minor children are covered. For an active membership with PhilHealth, you have to pay for the PhilHealth monthly contribution rate set for you.
Table of Contents
Philhealth Contribution Table for Employed Members
Philhealth Contribution for Overseas Filipino Workers
Philhealth Contribution Table for Self-employed, Individually Paying Member
Philhealth Contribution for the Sponsored Program Members
Conclusion
The Philippine Health Insurance Corporation released the updated PhilHealth contribution table. This would include locally employed members, self-employed members, OFWs, and members who voluntarily contribute. In this post, we will be discussing how much contributions you need to keep your membership active.
It is very important for all members and their dependents and beneficiaries to know the latest and updated premiums because it is also important to have complete premium payments. Having complete premium payments will let Philhealth members be entitled to health benefits.
The main reason for the increase of premium contributions for employed individuals concerns about implementing benefits and due to uproar against increase by other government fees like taxes, tolls, fees and social security contributions.
In January 2018, the premium contributions from those who are employed have increased from 2.5% to 2.75% of every member’s basic salary. This is in accordance to PhilHealth’s Circular No. 2017-0024, which clarifies that the adjustment was made to sufficiently meet the additional financial burden that the National Health Insurance Program is committed in covering full or partial costs of essential health services to Filipino citizens.
Philhealth Contribution Table for Employed Members
Effective January of last year and onward, the monthly premium contributions shall be at the rate of 2.75% computed straight based on the monthly basic salary, with a salary floor of P10,000 and a ceiling of P40,000, to be equally shared by the employees and employer. With the removal of the salary brackets, computation shall be based on the following table:| Monthly Basic Salary x 3.50% | Monthly Premium | Personal Share | Employer Share |
|---|---|---|---|
| ₱10,000 and below | ₱350.00 | ₱175.00 | ₱175.00 |
| ₱10,000.01 to ₱69,999.99 | ₱350.00 to ₱2,450.00 | ₱175.00 to ₱1,225.00 | ₱175.00 to ₱1,225.00 |
| ₱70,000 and above | ₱2,450.00 | ₱1,225.00 | ₱1,225.00 |
Philhealth Contribution for Overseas Filipino Workers
Same premium contributions of P2,400/year applies to OFW or those under the OWP (Overseas Workers Program) applicable to Landbased OFWs. Members under this category can pay either P2,400 for the annual contributions or P1,200 for the 6 months contributions.Philhealth Contribution Table for Self-employed, Individually Paying Member
Self-employed and freelance workers are can take comfort knowing that even without employers, they are covered with health insurance normally accorded to full-time employees.- For those earning P25,000 or below in a month, your premium is P2,400 a year.
- For thos earning more than P25,000, you have to pay P3,600 annually.
All members under this category can pay quarterly, semi-annually or annually.
Philhealth Contribution for the Sponsored Program Members
Sponsored members of PhilHealth are those who do not fall under the previous categories such as those under lower income bracket, orphans and abandoned people, senior citizens and abuse victims under the care of DSWD, or barangay health workers and other similar workers covered under their own local government units.- Annual premium of P2,400 is also applied to these type of members.
According to Philhealth, all sponsored members and their beneficiaries shall be entitled to identified in-patient hospital care (including the Z Benefit Package), out-patient care services, and other health care services provided by accredited health care centers and providers.
They shall also be entitled to the No balance Billing (NBB) Policy for health care services provided by accredited government health facilities in a non-private accommodation. Likewise, they shall also be entitled to the Primary Care Benefit 1 (PCB1) Package to be provided by their accredited Primary Care Benefit Provided where they are assigned and enlisted.
PhilHealth always require active membership and payment of premiums in availing benefits. It is always important to know our benefits and the requirements even if we are not availing them. It also important to check your contributions regularly and paying them on time. Missing on paying your premium could forfeit your health benefits.
Conclusion
PhilHealth is indeed one of the most essential government services out there. Considering that private health insurance from the big insurance companies is quite expensive and beyond the reach of many Filipinos, everyone should be a member of PhilHealth to prepare themselves for the uncertainties of life.You have to pay your PhilHealth premiums regularly so you’ll be eligible for benefits when the need arises. It would be disappointing to know that you can’t claim hospitalization benefits because you failed to pay several months of premiums.
That's all guys. We hope that you find the updated PhilHealth contribution table very helpful. If you have questions or concerns, leave a comment below, or you ca also visit their PhilHealth official website for more information.
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