Late Philhealth Payments — Can I Pay for Past Months?

Updated March 17, 2018

Tumatanggap ba ang Philhealth ng Late Philhealth payments? I am an Individual Payor (Informal Sector — Voluntary or Self-Employed)

Kung lumampas na ang payment deadline for the month, puede pa bang bayaran ang Philhealth premium the following month?

NO more. HINDI na.

Hindi na tinatanggap ang late payments from Individual Payors.

If you plan to pay every month, dapat magbayad ka bago matapos ang month. Payment deadline is the last day of the month

 

If you plan to pay every quarter, dapat magbayad ka bago matapos ang quarter. Payment deadline is the last day of the quarter.

 

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

 

Paano kung ang last day of the month is a Saturday, Sunday or holiday?

Magbayad ka sa Bayad Center, or SM Business Center or another accredited collector na open on weekends and holidays.

How much is the Philhealth premium for Individual Payors (Informal Sector)?

200 pesos per month

or 600 pesos per quarter

or 1,200 pesos per six months

or 2,400 pesos per year

FOR OFWs:

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.

HINDI puedeng bayaran ang nakaraan. Hindi puedeng bayaran ang past days or past months.

For example, if you plan to pay on April 1, 2018, you will pay for April 1, 2018 to April 1, 2019.

With your premium receipt dated April 1, 2018 to April 1, 2019, you can use Philhealth any day from April 1, 2018 to April 1, 2019.

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

 

FOR PREGNANT WOMEN:

Kapag late ka na sa payments, merong remedyo para sa mga pregnant women na katulad mo. Basahin mo ang information dito: Women about to give birth. Remember na minsan lang ang chance na ito. Kapag naka-avail ka na sa program na ito, hindi ka na puedeng umulit pa sa next pregnancy mo.

 

FOR EMPLOYERS WHO ARE LATE in REMITTING PHILHEALTH PREMIUMS

Kapag Employers ang late na mag-remit, puede silang humabol mag-remit. Dapat maghabol sila, kasi nakolekta na nila from their employees ang premiums. Dapat i-remit nila, kahit late. Magbayad lang sila ng interests and surcharges.

Based sa latest Philhealth circular on late premium remittance, ito ang formula in computing interests and surcharges:

Ang interest/surcharge ay 2% of total delayed remittances per month, or 200 pesos per month, whichever is higher. Compounded monthly. 

Ito ang isang example from Philhealth:

Total ng late na premiums: 2,000 pesos
Due date ng premiums: February 15, 2018
Actual na payment date: May 25, 2018

Interest/surcharge:
Feb 16 – Mar 15: 2,000 pesos x 2% = 40 pesos
200 pesos pa rin ang interest/surcharge, kasi 200 is higher than 40
2,000 + 200 = 2,200

Mar 16 – Apr 15: 2,200 x 2% = 44 pesos
200 pesos pa rin
2,200 + 200 = 2,400

Apr 16 – May 15: 2,400 x 2% = 48 pesos
200 pesos pa rin
2,400 + 200 = 2,600

May 16 – May 25: counted as 1 month kahit less than 1 month
2,600 x 2% = 52
200 pesos pa rin
2,600 + 200 = 2,800

Total amount to be paid = 2,800

Merong mga examples dito sa Philhealth Circular on Delayed Employer Premium Remittances.

Para sa mga Employed, Self-Employed, Voluntary at Seaman Members:
Ang requirement na for Philhealth eligibility is payment of 9 months within the past 12 months.

 

——————————————–

As of January 2018, ang GRACE PERIOD NA SINASABI DITO SA BABA AY HINDI NA VALID. KELANGANG MAGBAYAD WITHIN the QUARTER.

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

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