Late Philhealth Payments — Can I Make Retroactive Payments?

Puede pa bang bayaran ang na-miss na Philhealth payments?
If I missed one quarter of Philhealth payment, can I pay it the following month?

Yes and No.

Yes, you can make a late payment, or a retroactive payment, but you have to pass three 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

90 Comments

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  1. Hi..I can still pay the month of july to sept???…I think I can still pay but have 2% charge..and also philhealth can give a grace period of one if the member is good payer?? Am I correct??

  2. I don’t have lapses. Could be july to sept because i forgot to pay. I paid oct 04 and i wrote oct to dec? But I already paid the month of oct to dec. Since I erred in writing the months.

  3. Hi Abby, the deadline for paying July to Sep is Sep 30. If you paid Oct to Dec twice, go to Philhealth and ask for correction of your second receipt to reflect Jan to Mar 2015. Or you can ask if they can correct your earlier payment as payment for July to Sep.

  4. Hi Irene, only employers are allowed to pay late. Payment deadline for July to Sep (individual payors) was Sep 30. I’m not sure, but I think Philhealth now implements the deadline strictly and no longer considers if members are good payors or not. Ask others too

  5. Hi Joan, sorry the payment deadline was Sep 30. If you pay Oct to Dec 2014, you can be eligible from Jan to Apr 2015. Ask others too

  6. Hi Tina, sorry you cannot. Are they younger than 21? You can register their mother or father, so the spouse and the children can be dependents, and you will help more people.

  7. i have not paid july to sept 2014. can i still pay oct to dec 2014? are you open until december 30? when can I use philhealth? thanks

  8. Hi liza, Philhealth offices are closed during the holidays. Pay at Bayad Center asap this Dec 2014. If you pay Oct to Dec, you can use Philhealth within Jan to Mar.

  9. Hi, Ms, did not pay Oct to Dec 2014. Dec 31 is holiday. can we pay on January 4? Any suggestions, Ms. Thanks and God bless!

  10. Good day ms. can we pay oct-dec 2014 tom jan5, 2015? my wife will use it march 2015 for her delivery. july-sep2014 paid. thanks

  11. Hi rey, sorry what I know is you can no longer pay for Oct to Dec 2014. Go to Philhealth and ask. If not, pay for Jan to Mar 2015. Then show hospital your Sep 2014 and Jan and Feb 2015 payments to avail in Mar 2015.

  12. Hi Andi, sorry what I know is you can no longer pay for Oct to Dec 2014. You can ask Philhealth. If not, pay for Jan to Mar 2015. Eligibility is payment of 3 months within the prior 6 months.

  13. Thanks, Ms. Nora!
    Can i still avail the benefits ng period Jan to Mar 2015 po if paid ko yung April to Sept pero unpaid yung Oct to Dec.

    Thanks so much, Ma’am!

  14. Hi harry, sorry, she cannot use Philhealth this Jan and Feb. If she pays for Jan to March asap, she can be eligible in March. Ask others too

  15. hi Nora! My wife will be delivering our 2nd baby this April 2015 here in Qatar, can we avail of PhilHealth maternity benefits even if she delivers here abroad? By the way, her last premium payment was on July 2014 and we will pay for her premium for 1st quarter of this year (Jan-March 2015). Can she avail the maternity benefits or we have need to pay the (Aug-Dec 2014) payments she missed?

    Thank you in advance.

  16. Hi,what if i missed to pay the october-december 2014. Can i used my philhelth this january or february 2015?thanks

  17. Hi cherish, did you pay Aug and Sep 2014? If yes, pay Jan to March, so you can use it. But to be sure, pay at Philhealth so you can ask about your eligibility.

  18. hi i just want to ask re my payment to philhealth, iforgot to pay my contribution for oct. -dec. 2014, then early january of 2015 i went to one of the payment outlet to pay it but the girl who assisted me did not accept my payment co’z she said its late already, and that I have to pay it to the main office… got so busy lately and I have no one to ask to pay it for me… just want to ask if its not really possible to pay it on any outlet/branch instead… and second what will happen if in-case i got hospitalized does it means i can not use the benifets anymore? I’d really appreciate your response, thank you so much and god bless. mj

  19. Hi jimalee, the payment deadline for every quarter is the last day of the quarter, whether at a payment center or at Philhealth (last business day if at Philhealth). If monthly payment, the deadline is the last day of the month. The one who assisted you might be thinking that you can plead with Philhealth if you pay at Philhealth. But in reality, those at Philhealth also comply with the deadline. For this quarter, you can still pay, so pay Jan to Mar asap, on or before March 31. In case you get hospitalized the day after your Jan to Mar payment, you’ll be eligible, so pay asap. Eligibility is payment of 3 of the 6 months prior to confinement with confinement month included in the 6-month counting.

  20. Ms nora, our child had an accident. We cannot use our philhealth at the hospital because we have not paid it for more than a year. Can we pay it so we can use it immediately? Thanks po

  21. Hi regina, you can pay for Jan to March, ASAP, today or tomorrow only, so you can use it in case of further treatment in April or later. But for this hospitalization, it’s sad that you cannot use it. Payment of premium must be BEFORE hospitalization. Ask others too

  22. Good morning ask ko lng po pede ko pb mgamit philhealth ko para sa pangannganak ko.npatigil ako sa work by 2009?pede pb ako mghulog ulit to activate it?so i can use it for my delivery this year?

  23. Good day po. Can avail of my benefits as philhealth member if I missed paying some months? April 2014 to January 2015 I was employed and resigned Feb 2015 because im pregnant and i still dont know if Feb was paid. March and April were not paid. Now, can I use philhealth for my August delivery? I have not obtained my coc from previous employer. thank you

  24. Hi Roxanne, pay May to August so you can avail, even if you don’t get your cert of payment from your former employer. Update your registration at Philhealth and pay at Philhealth, so you can get your updated MDR and your card.

  25. good day..nag resinged po ako ng last March 2015 sa work ko. ng apply po ako ng voluntary member ng philhealth..nagbayad na po ako ng April to june 2015..e bagong kasal po kmi ng asawa ko nung april 2015.. e ofw po siya sa korea.. ng bayad na sya ng annual.. pwede po ba idependent na lang nya ako para isang hulog na lang namin.. at pwede po ba na ako na lang ang magupdate ng civil status at dependent nya sa philhealth kas nasa korea sya ngayon?..

  26. pwede po ba na hindi ko na hulugan yung july to dec 2015..para maidependent ako ng husband ko sa philhealth nya? ma avail ko po ba yung maternity benefits?..

  27. Hi po how can we avail of philhealth? the hospital told us we paid only up to dec 2014. I know I paid for 2 years, before I came here to jeddah in feb 2014. My child was hospitalized June 1,2015. they said we should pay philhealth 3 months prior to confinement. does an ofw have an exclusion from that rule? I can pay starting january 2015. thanks, please help.

  28. Hi rose, check your OEC, and check the date you paid OEC. Did you pay 2,400? If you paid 2,400 in Feb 2014, then your Philhealth was valid only until Feb 2015. It’s 200 pesos per month. You can pay Philhealth now, but I’m sad that you cannot use it for this June 1 hospitalization. Payment of premium should be BEFORE date of admission to the hospital. For OFWs, the rule is not payment of 3 months prior to hospitalization. For OFWs, hospitalization should be within the validity dates, as shown in the Philhealth premium payment receipt. For example, if you paid for May 31, 2015 to May 31, 2016, then your child could have availed of Philhealth. If you pay as OFW tomorrow, you can pay for June 3, 2015 to June 3, 2016, not for previous dates. But if you paid 4,800 to Philhealth in Feb 2014, then your child is covered — that means your child can use Philhealth. Ask others too

  29. Hi, am I eligible for maternity benefit? I was employed Feb. 2010 to Feb. 2015. Complete contributions up to Feb. 2015. I was about to pay March to June but was told I’m no longer allowed to pay for March. I can still pay April to June. I’ll give birth in August 2015. Can I use my maternity benefit? I have not paid March 2015 onwards.

  30. Hi lian, yes, you can be eligible and can use Philhealth in July or August. Pay asap April to August, or April to Sep. Pay at Philhealth (bring your ID and fill up the PMRF form) so you can get your updated MDR and card. Keep your OR.

  31. I’m ex-ofw and haven’t paid for almost 3yrs to philhealth. can i continue? what are the requirements since I’m still unemployed. Where do I process? Ty po.

  32. Hi Taurustaurus11, yes, you can continue your Philhealth membership. Just go to any Philhealth branch with your ID and at least 600 pesos (to pay for Apr to Jun) or 1200 to pay for Apr to Sept. Fill up the PMRF form, submit, and when processed, get your MDR and your card. Bring your Philhealth no. if you know, and if not, Philhealth will give you your no.

  33. helo mam, na late po kmin ng payment sa may kc 16th to 20th ang schedule namin..june 24 na po ngayon at maghahabol kming magbayad togetrher with the penalty kaya lang po hindi aq sure sa computation ng penalty namin… ang ginawa ko po ay : (20000 monthly contribution * 2% penalty = 400)
    tama po ba mam ang computation ko sa penalty ? magbabayad sana kmi within this week..

  34. hello po. ask ko lang po kung hindi ako makabayad ngayong 2nd quarter pwedi po bang sa July ako magbayad. before kasi individual paying po ako then this coming month of july yung company na po ang magbabayad for my contribution.pwedi po ba na bayaran ko yung lapse ko sa July then ang employer ko na ang magbayad for the 3rd quarter?

  35. Hi can I still pay for April to June. my payment was no longer accepted by Pnb thru credit card. they accept only up to 8pm. I’ve been sick with flu for 1 week. What should I do? I’ve been paying without lapse. pls reply. tnx

  36. I wasn’t able to pay my monthly premium for the month of april to june. tomorrow, july 1, can I still pay for april to june?

  37. Hi Lerry, I don’t know if Philhealth still is giving a grace period for loyal payors. If you like, you can bring all your receipts for the past 2 years, and then ask to pay for April to June. Ask for a grace period since you’re a loyal payor. I’m not sure though if they’re giving a grace period.

  38. Hi thess, sad to say, they’ll no longer accept payments for Apr to June. But if you’ve paid for 2 years without fail, if you like, you can bring your receipts to Philhealth, and ask for grace period to pay Apr to June. But I’m not sure if they’re giving a grace period.

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