How Many Philhealth Premiums Should I Pay to Qualify for Coverage?

Updated February 2020

How many monthly Philhealth premiums should I pay to avail of Philhealth benefits?

For INDIVIDUAL PAYORS, payment for 9 months within the 12 month-period PRIOR to confinement.

It’s payment of contributions for at least 9 months within the 12-month period PRIOR to confinement. Include the month of confinement in counting 6 months.

Effective October 1, 2018, 9-within-12-months ang eligibility rule for Individual Payors (Self-Employed or Self-Earning and Professionals).

Para ma-qualify, dapat nabayaran mo ang Philhealth premiums mo para sa 9 months within 12 months prior to your first day of confinement. Kabilang sa 12-month counting ang month of confinement mo.

Kung halimbawa lang na kulang ang number of months na inyong nabayaran, eligible pa rin kayo to avail of Philhealth coverage, kasi meron nang Immediate Eligibility policy ang Philhealth.

Ano ang Immediate Eligibility ng Philhealth?

This means na kahit kulang ang premium payment nio sa Philhealth, puede pa rin niong magamit ang Philhealth. Ang gawin nio lang is to pay your unpaid monthly contributions plus total interest.

FOR EMPLOYED MEMBERS:

Payment of 9 monthly premiums within 12 months prior to hospitalization or treatment is required. Nine-within-12-months. Effective ito noon pang October 2018. Kasama sa 12-month-counting ang month of confinement.

FOR OFWs:

Dates of hospitalization should be within the validity dates written on the receipt of Philhealth premium payment.

FOR SPONSORED MEMBERS:

Dates of hospitalization should be within the validity dates written on the Philhealth card.

FOR LIFETIME MEMBERS:

Show your Philhealth Lifetime ID card.

Can you pay for past quarters?

Noon, hindi puede. Starting December 2019, puede na. Meron nang Immediate Eligibility policy ang Philhealth.

What are the deadlines for payments?

For Individual Payors:

For monthly payment, the deadline is the last day of the month.

For quarterly payment, the deadline is the last day of the quarter.

1st Quarter:   Deadline is March 31

2nd Quarter:  Deadline is  June 30

3rd Quarter:   Deadline is September 30

4th Quarter:   Deadline is December 31

For OFWs: 

Pay before departure.  Or before the expiration of your most recent receipt. You can pay your next year’s Philhealth payment abroad via IRemit, or ask your family or authorized representative to pay for you.

For Employed Members and Employers:

Employers with PENs ending in 0-4:  Every 11th-15th day of the
month following the applicable period
Employers with PENs ending 5-9:  Every 16th-20th day of the month following the applicable period

NOTE: 

Pay as INDIVIDUAL PAYOR if:

.  you have resigned from your company

.  you have lost your employment

. you are a seaman and you’re taking a long vacation

. you are turning 21 years old

. you are taking a long leave from your job

. you can no longer be a dependent because your parent or your spouse is no longer an active Philhealth member

References:

Philhealth Circular No. 2019-0010: Guidelines on the Granting of Immediate Eligibility to Members

Philhealth Advisory No. 2018-0011: All Admissions Starting October 1, 2018

PhilHealth Circular No. 2017 – 021: Application of Sufficient Regularity of Payment of Premium Contributions to the Required Qualifying Contributions for Eligibility to Philhealth Benefits

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