Philhealth Branches in South Metro, Laguna, Cavite, Batangas, Lucena
For voluntary membership, just bring:
- your IDs
- 300 pesos to pay one quarter (100 pesos per month), which is the minimum payment. You can pay 6 months, 9 months, one year or more.
No Philhealth Payments Prior, No Philhealth Benefits
Update as of August 19, 2011: Hindi natuloy ang implementation ng announced change from 3-month to 9-month prior payment requirement last July 1, 2011. Nasa discussion pa. Pero yong mga dati nang 9-month-requirement like maternity cases ay 9-month-requirement pa rin.
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After resigning from your company to become self-employed, one of the first things you should do is to become a voluntary member of Philhealth. Once you miss paying the required number of months prior to hospitalization, you’ll not be able to claim health benefits, even if you’ve been a member of Philhealth for many years.
If you’re hospitalized and you make a Philhealth claim, Philhealth will check if you’ve paid at least three months of premium within the six-month period immediately prior to your confinement. For example, if you’re confined in October, your prior six-month period is April to September. Within this six-month period, you should have paid at least three months of premiums.
Starting July 2011, the prior-payment requirement is no longer three months — it has been increased to NINE months. This means you should have paid your Philhealth premiums for at least 9 months within the 12-month period prior to the month of your hospitalization.
For pregnancy cases, chemotherapy, radiotherapy, dialysis (except emergency dialysis during confinement) and major surgical procedures, the requirement is payment of at least nine monthly premiums within the 12-month period immediately prior to hospitalization. For example, if you’re hospitalized in October, the prior 12-month period is October 2009 to September 2010. Within this 12-month period, you should have paid at least nine monthly premiums.
Retroactive payments are not allowed, meaning you can’t pay for months missed just to fulfill the required number of paid premiums.
One of the people who commented in another Philhealth article, Eli, has related his sad experience of not being able to use Philhealth:
“Last April I resigned from my work. Now this October manganganak si misis ko and added my wife as my dependent for my philhealth (she was not a previous member so wlang conflict).. Then siyempre to be able to use my philhealth gusto ko bayaran ung mga hindi ko nabayarang buwan. Ang sabi ng taga philhealth office hindi ko na daw pwedeng bayaran ung previous months ko since malaki daw kasi ung gap (6 months starting from April)at hindi daw ppwede ang retroactive payments. then tinanog ko kung ano lang ang pwedeng mabayaran ko. Ang sabi sa akin, ang pwede ko lang daw mabayarang ay ung months from October to Decembber. Tinanong ko din kung what if bayaran ko ung october to december eh magagamit ko ba ung philhealth sa panganganak ng misis ko. Ang sabi sa akin hindi daw ppwede kasi kailangan maghintay pa ng 6 months (parang new member, LOL). So ayun, last October nanganak si misis ng CS at hindi ko manlang napakinabangang ang LIMANG TAON kong pagiging member just because I was unable to pay continously at nagkaron na ng gap ng 2 quarters.
Kaya to all members na nagresign, nalay-off, or anything related to this kind of scenario. I suggest na asikasuhin ninyo agad ang contributions ninyo and pay as VOLUNTARY MEMBER.”
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