Late Philhealth Payments — Can I Make Retroactive Payments?

Updated July 2, 2016

Puede pa bang bayaran ang na-miss na Philhealth payments? I am an Individual Payor (Informal Sector — Voluntary or Self-Employed)

If I missed the deadline for paying one quarter of Philhealth payment, can I pay it the following month? NO more.

Bayad Center and SM Business Center DO NOT accept late premium payments.

So pay your quarterly Philhealth premium on or BEFORE the last day of the quarter.

Deadline for paying January to March quarterMarch 31

Deadline for paying April to June quarterJune 30

Deadline for paying July to September quarterSeptember 30

Deadline for paying October to December quarterDecember 31


Your Date of Premium Payment should be BEFORE Date of Start of Confinement.


You can pay anytime, but you are allowed to pay ONLY in Advance (payment for one year to 3 years),  starting from Date of Payment to one year later or 3 years later.

For example, if you pay on July 3, 2016, you will pay for July 3, 2016 to July 3, 2017.

You can use Philhealth any day from July 3, 2016 to July 3, 2017.

If you’re paying in the Philippines, bring proof of your being an OFW like passport with work visa or OFW ID.


For Individual payors, MAYBE you can still pay, if Philhealth is still implementing their previous policy of allowing you to pay if you pass these 3 conditions:

1.  You’re not a frequently late payor. You have not been late in paying three consecutive quarters within the last 12-month period prior to the missed quarter.
For example, if you missed paying the October-December 2010 quarter, you must have paid on time your Philhealth payments from January to September 2010.

2.  You’re still within the grace period. The grace period is one month immediately afer the missed quarter. The grace period for the above example is January 2011.

3.  You must pay the missed quarter together with the current quarter, so you’re going to pay two quarters.
You can also pay more than two quarters, if you like, but it’s not required.

The following is a copy of a portion of the Philhealth rule that applies to late Philhealth payments:

Retroactive payments are not allowed except when a member can show proof of sufficient regularity of premium contributions or payment of nine (9) consecutive months or three consecutive quarters within the last 12 months prior to the missed quarter. If you meet this condition, you shall be given a grace period of one month immediately after the missed quarter to pay retroactively including the current calendar quarter. This privilege is granted only once every 12 months.

Related Articles:

Philhealth Requires Nine Months of Prior Payments
Philhealth Branches — Membership Reactivation
Philhealth Payments — Where to Pay Premiums or Contributions


Add a Comment
  1. Mrs ask lng poh ako kung pwd poh bah magamit ang phil. Ko sa panganak ko kasi nagamit kuna ngayon ang phil. Ko sa isa kung anak this sept. Manganak poh ako sa next next year feb.

  2. Hi Grenlene, yes, sure, magagamit mo pa, basta updated ka sa premium payments. Yong rule na nirerefer mo is this: isa lang ang ma-cover kapag na-confine ang the same person due to the same illness or treatment within 90 days.

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