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. Hi,

    I am a self-employed member since 2011,but I stop paying for almost 5 years. What will I do so that i can use my Philhealth again and I need it as a requirement to teach in public school.

  2. Hi,
    I am a self employed member since 2011 but I stopped paying for 5 years. What will I do to continue paying it because I need it and it is one of my requirements in teaching public school. Do I need to apply as a self employed member again even if I will used it as a government employee?

  3. Hi Marie, you can visit a Philhealth branch with your ID and fill up the registration form. Check FOR UPDATING. Don’t write your Philhealth no. if you’re not sure of your no. Submit and get your new MDR and Philhealth card. Philhealth will give you your Philhealth no. If your school required you to pay initially, then pay for July to Sep.

  4. Hi Alma, yes, you can pay for July to Sep or July to Dec, but because you were not able to pay for Apr to June, you will be covered starting September.

  5. hi im supposed to pay yesterday the cut off of june 30th but i did not make it can i pay today july 1 2016

  6. Hi Harry, sorry, you’re past the deadline for paying the Apr to June quarter. Ask others too

  7. Hi marett, yes, you can pay asap July to Sep or July to Dec. Your coverage starts September

  8. Good day. I changed my status from employed to voluntary last feb 2016..I paid for jan-mar contribution.Im paying for april to june contribution but lbc is not accepting my late payments. Im planning to pay july-dec contribution.Am I still qualified for maternity benefits?Im due on Oct. Thanks

  9. Hi michelle, yes, pay asap your July to Sep, so you can avail of Philhealth in October. Since you plan to pay July to Dec, that’s even better — for continuous coverage.

  10. Hi Why not accepting late payment of voluntary payor though it’s just day/s only. i supposed to pay April 2016 to June 2016 on July 1st and i didn’t know the deadline is before end of the month of every quarter; just knew it today through this website. Thank you

  11. Hi Jason, sorry but there are deadlines. Pay July to Sep so your coverage will start in September.

  12. good day. we are employer to pay the philhealth contribution of employees, but for a circumstances we have 1 day delay payment to bank.
    What we are going to do?
    pls adv. thanks

  13. D po aq nka byad ng phil jan to june askko lng po pwede po b byrn ko ang april to september?

  14. my company hasn’t paid the 2nd quarter for this year.apr to one of our co-employee’s wife will undergo surgery tom.we will pay his apr to june contribution today.will he still be able to avail of the benefit for his dependent?

  15. Hi boo, yes, as long as your Apr to June payment will be accepted by Philhealth. Because you’re a company/employer, most likely your payment will be accepted with penalty charges.

  16. hello…what are other ways para magamit ko ang aking philhealth. individual payer po ako…tapus, diko po na bayaran ang second quarter,,, nabayaran ko ang 3rd at 4th quarter…can i use my philhealth expected delivery ko po ai september this year. ano po dapat gawin ko for me to use my philhealth. thank you

  17. Im an ofw i stop paying my philhealth since 2013 ,and i want to continue paying it.Do i need to pay all the years that i didnt pay from 2013 to 2016?Can i apply here in hongkong and whats the requirements

  18. hi self employed po ako. May to July di ko po nabayaran. nganyon August na po. kaylangan ko pa ba bayaran ang May to July 2016?

  19. Hi, pano po kaya yung sa akin.. almost 10 yrs na ako nagwowork bali sept 2006
    to mar 2016 update ang bayad ng employer ko sa philhealth..kaso apr 2016 leave na ako kz maselang po ang pagbubuntis ko, plan ko po bumalik sa work ko pagnanganak na.. edd ko dec 3.. magagamit ko pa din ba ang philhealth ko???

  20. Hi L-J, yes, you can use your Philhealth, but you need to pay for Sep to Nov so you can avail in Dec. Pay as individual payor at Philhealth. Bring your approved leave form. You can authorize someone to pay for you (with your ID and rep’s ID). It might be better to just pay for Jul to Dec (2 quarters). Philhealth might just require you to pay for 2 quarters because they no longer accept monthly payments from individual payors.

  21. Hi jennifer, August ang due mo? Have you paid for April or March and April? Pay also for July and Aug so you can avail this August. Basta dapat nakabayad ka ng 3 months sa period from March to August.

  22. hello po.ask ko lng po nagbayad po ako knina ng 1200 from july to december dn due date po ng panganganak ko is september.Pwd po ba magamit un philhealth ko?or pwd ko po ba maihabol bukas bayaran ang april to june? tnx po rosiel

  23. Hi rosiel, yes, you can avail of Philhealth this September because you have paid for July to Sep. You’re no longer allowed to pay for April to June. Payment deadline for Apr to June was June 30.

  24. tnx u so much sa replied sir/madam…
    Worry lng po kc ako bka d ko magamit philhealth ko kc july to december binayaran ko.Sabi kc nla dapat dw ang binayaran ko is march to sept.

  25. Hi rosiel, ang requirement kasi is payment of at least 3 months within 6 months prior to confinement, with confinement month counted. Counted ang Sep sa 6 months. Paid mo ang July Aug Sep, so qualified ka.

  26. Hi. I am newly registered to philhealth this last July, I pay July-Sep contribution. I’m planing to pay my Oct-Nov contribution this month. My due date is on Nov. Am I still cover to their maternity benefits? pls reply thank you.

  27. Hi Danica, yes, with your July Aug Sep payment, you can avail of Philhealth in November. Yes, for continuous coverage, it’s good to pay for Oct to Dec.

  28. My wife has missed one quarter and we only paid july to december. She will be giving birth this month, can we pay the april to june quarter? we will gonna need her past years contribution, thank you and God Bless.

  29. Hi daren, sorry, the deadline for paying the April to June quarter was June 30. But did you pay for March 2016? Your wife should be able to avail. Point out to the hospital your payment for March and July and August, which comply with the 3-month over 6-prior-month requirement. In the 6-month counting, the delivery month is counted. March to Aug is the 6-month period, and you have paid 3 months within it.

  30. Good day! My husband is having dialysis and he is using his own induvidual philhealth benefits.i paid at a philhealth branch last june24,2016 which was intended for april-june.i did not anymore check the receipt.i found out only yesterday aug18 that the indicated months in the receipt are was thus the cashier’s fault that the months were wrong. Please advise me on what to do. I do not have the money to pay the hospital for the almost 30 sessions of dialysis that april-june covers.thank you and God bless!

  31. Hi Chona, we hope you won’t need Philhealth in August. You pay ASAP for July to Sep, so you can be covered again starting Sep. Then next quarter, remember to pay.

  32. Hi Chona, I hope you already went back to Philhealth and requested for correction of dates. Tell them you paid on June 24 for April to June and it was mistakenly paid for July to Sep. If it’s not their policy to issue a new receipt, request for a certificate so that the dialysis center will honor your receipt. God bless too

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