Immediate Eligibility for Philhealth, 300 Pesos Minimum Monthly Contribution

Now, it’s Immediate Eligibility for Philhealth Coverage and 300 pesos is now the minimum monthly contribution!

 

Effective November 2019, puede nang mag-avail ng Philhealth coverage kahit merong unpaid monthly Philhealth contributions, basta lang babayaran ang total unpaid contributions plus total interests.
Effective December 2019 naman yong new monthly contribution rates.

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 2020: 3% of member’s monthly basic salary
For the year 2021: 3.5%
For the year 2022: 4%
For the year 2023: 4.5%
For the year 2024: 5%
For the year 2025: 5%

Minimum monthly payments (for members earning a monthly basic salary of 10,000 pesos:

For the year 2020 — 300 pesos

For the year 2021 — 350

For the year 2022 — 400

For the year 2023 — 450

For the year 2024 — 500

For the year 2025 — 500

Maximum monthly payments:

For the year 2020 — 1,800 pesos

For the year 2021 —  2,450

For the year 2022 — 3,200

For the year 2023 — 4,050

For the year 2024 — 5,000

For the year 2025 — 5,000

How much is the interest for unpaid monthly premiums?

For employers, seafarers and kasambahays: 3% of the unpaid premiums, compounded monthly

For the self-earning (or self-employed), landbased-OFWs, professionals and Filipinos abroad:  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.

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?

Hindi. Merong validity dates ang Philhealth card or document ng isang Sponsored o Indigent.  Nire-renew ito ng mga sponsors depende sa renewal policies nila: DSWD, non-profit organizations, local government units, or other government agencies. Dapat magpa-renew bago mag-expire ang  Philhealth card or certification.

Paano ma-verify ang contribution records sa mga hospitals or clinics na walang online system dahil nasa remote areas sila?

Magkakaroon ng offline process na sisimulan ng Philhealth sa mga remote hospitals or clinics.

References:

Philhealth Circular on Premium Contributions Effective December 2019

Philhealth Circular on Granting Immediate Eligibility to Members Effective November 2019

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

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