Updated July 2023
Immediate Eligibility for Philhealth Coverage is still being implemented, based on Philhealth Circular 2022-0013. Ibig sabihin kahit meron kang kulang sa Philhealth payments mo, maa-avail mo pa rin ang Philhealth coverage mo. Ang requirement lang is kelangang bayaran mo ang mga required number of months na kelangan mong bayaran, plus total interests.
Mas mabuti pa rin na regular ang pagbayad mo ng monthly Philhealth premiums mo para hindi ka magbabayad ng interests.
For this year 2023, the minimum monthly premium is 400 pesos.
Based sa original plan ng Philhealth, dapat 450 pesos per month na ang Philhealth premium this 2023, pero sinuspend ng Office of the Philippine President ang increase.
New Monthly Contributions for all Member Types
These new rates are applicable to all members — Employees, Self-Employed or Self-Earning, Land-based OFWs, Sea-based OFWs or Professionals.
For Employees, their Employers will pay part of their monthly contributions.
Monthly contribution rates depend on the member’s Monthly Basic Salary:
For the Year 2021: 3.5% of Monthly Basic Salary
For the Year 2022: 4%
For the Year 2023: 4.5% na dapat, pero 4% pa rin!
For the Year 2024: 5%
For the Year 2025: 5%
Minimum monthly payments (for members earning a monthly basic salary of 10,000 pesos or lower:
For the year 2020 — 300 pesos
For the year 2021 — 350 pesos
For the year 2022 — 400 pesos
For the year 2023 — 450 pesos dapat, pero 400 pesos pa rin!
For the year 2024 — 500 pesos
For the year 2025 — 500 pesos
Maximum monthly payments (for members earning 80,000 pesos per month or higher):
For the year 2020 — 1,800 pesos
For the year 2021 — 2,450 pesos
For the year 2022 — 3,200 pesos
For the year 2023 — 4,050 pesos — 3,200 pesos pa rin!
For the year 2024 — 5,000
For the year 2025 — 5,000
How much is the interest for unpaid monthly premiums?
For employers: at least 3% of the unpaid premiums, compounded monthly
For the self-earning or self-employed, landbased-OFWs, professionals and dual citizens: 1.5% of the unpaid premiums, compounded monthly
Paano na kung hindi ako nakabayad ng Philhealth contributions since the year 2018, babayaran ko ba lahat yon mula 2018?
Hindi. Ang start ng pag-compute ng unpaid Philhealth premiums or contributions ay December 2019. Ito yong date ng effectivity ng Philhealth Circular 2019-0009, which was about Premium Contribution Schedule. Sabi ng Philhealth, maglalabas pa uli ng guidelines tungkol sa mechanism ng collection of missed contributions.
What happens if the member does not pay the unpaid premiums after availing of Philhealth coverage?
Sa susunod na hospitalization, hindi agad makaka-avail ng Philhealth coverage. Kelangang bayaran muna in full ang unpaid premiums plus interest.
Kasama rin ba sa Philhealth Immediate Eligibility ang mga Indigent at Sponsored na expired na ang kanilang mga Philhealth cards?
Oo kasama. Pero mas mabilis ang pag-asikaso sa mga hospital papers mo at mas mabilis ang discharge mo kung updated ang Philhealth card mo or certification mo. I-renew mo ang Philhealth card or certification mo bago mag-expire.
Paano ma-verify ang contribution records sa mga hospitals or clinics na walang Internet connection dahil nasa remote areas sila?
Magkakaroon ng offline process na sisimulan ng Philhealth sa mga remote hospitals or clinics.
Payment Deadlines for Philhealth contributions by Individual Payors:
Kapag Monthly ka nagbabayad: Payment Deadline is Last Working Day of the Month
Kapag Quarterly ka nagbabayad: Payment Deadline is Last Working Day of the Quarter
Kapag Semi-Annually ka nagbabayad: Payment deadlines are Last Working Day of March and Last Working Day of September
Kapag Yearly ka nagbabayad: Payment Deadline is Last Working Day of March