Updated February 1, 2020
Anong ibig sabihin? Ililibre na yong hindi nabayarang monthly premiums?
Hindi libre. Babayaran pa rin yong unpaid premiums. At babayaran din ang total interest. Merong Notice of Premium Contributions na ige-generate ng online Philhealth system ng hospital. Naka-record doon ang total unpaid premiums or contributions plus total interest.
Magsisimula ang pag-consider ng unpaid contributions or premiums mula December 2019.
Okay pala huwag munang magbayad?
Hindi okay. The best pa rin yong nagbabayad ng monthly premium para walang interest at para hindi lumaki ang total unpaid premiums. Ang isa pang advantage ng paying on time is dire-diretso na ang treatment and discharge, at wala ka nang intindihin pa na Philhealth paperwork.
How much are the new monthly contributions?
The minimum monthly contribution now is 300 pesos. Tataas ito to 350 in 2021. It will increase by 50 pesos each year until 2024. This is for every member earning a monthly basic salary of 10,000 pesos or less.
For the year 2020, the monthly premium is 3% of the member’s monthly basic salary. For the year 2021, it’s 3.5%. It increases to 4% in 2022, 4.5% in 2023, and 5% in 2024 and 2025.
Minimum monthly payments:
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
Are the above % for all member types?
Yes, pare-pareho na ang pag-compute for all member types, kahit Employees. Ang magandang kaibahan lang sa Employees is meron silang ka-share sa pagbayad — yong kanilang Employers. Kasama dito ang mga sea-based OFWs (seafarers).
Yong other member types, like Self-Employed or Self-Earning, Professionals, land-based OFWs, Overseas Filipinos, ay sosolohin nila yong pagbayad.
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
Kung matagal na akong member, pero hindi ako nakabayad since the year 2017, babayaran ko ba lahat yon mula 2017?
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?
Hindi agad makaka-avail ng Philhealth coverage sa susunod na pagkaospital. Kelangang bayaran muna in full ang unpaid premiums plus interest.
Kasama ba sa Philhealth Immediate Eligibility ang mga Sponsored at Indigent?
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.
Paano ma-verify ang premium records sa mga hospitals or clinics na walang online system dahil nasa remote areas sila?
Magkakaroon ng offline process na ibibigay ng Philhealth sa mga remote hospitals or clinics.
Required Number of Philhealth Contributions:
For Employees, Self-Employed or Self-Earning, Professionals, and Sea-based OFWs: Payment for 9 months within the 12-month period PRIOR to hospitalization. Counting of 12 months include month of confinement.
For Land-based OFWs: Admission date should be within the validity period, as typed in the Philhealth premium payment receipt.
For Sponsored and Indigent Members: Admission date should be within the validity period, as typed in the Philhealth card or Philhealth certificate or Philhealth premium payment receipt.
For Lifetime Members or Senior Members: Always eligible for Philhealth coverage anytime. Show your Philhealth Lifetime Member ID or Senior citizen ID.
References:
Philhealth Circular on Premium Contributions Effective December 2019
Philhealth Circular on Granting Immediate Eligibility to Members Effective November 2019