What is PhilHealth?
PhilHealth, short for the Philippine Health Insurance Corporation, is the government’s health insurance program designed to help Filipinos afford quality healthcare services. The PhilHealth contribution table outlines the required payments for members, making it easier to understand your obligations. It’s a critical part of the country’s Universal Health Care system.
Why PhilHealth Matters to Every Filipino
Imagine getting hospitalized and not having enough money to pay the bill. That’s where PhilHealth steps in—it’s your financial shield against sky-high medical costs. Whether you’re employed, self-employed, or jobless, PhilHealth is designed to support you during medical emergencies.
Understanding PhilHealth Contributions
Who Needs to Pay?
Pretty much every working Filipino contributes to PhilHealth. This includes:
- Employed individuals
- Self-employed or freelancers
- Overseas Filipino Workers (OFWs)
- Sponsored members (government-sponsored indigents)
- Lifetime members (retirees who’ve paid enough)
Contribution Tiers and Categories
Your contributions depend on your income and category. PhilHealth uses an income-based premium contribution scheme, meaning the more you earn, the more you pay.
PhilHealth Contribution Table for 2025
Employed Members
| Monthly Basic Salary | Premium Rate | Employee Share | Employer Share |
|---|---|---|---|
| ₱10,000 and below | 5.0% | 2.5% | 2.5% |
| ₱10,001–₱89,999.99 | 5.0% | 2.5% | 2.5% |
| ₱90,000 and above | 5.0% (Max ₱4,500) | 2.5% | 2.5% |
Self-Employed and Voluntary Members
They pay the full premium based on declared income.
Example: If earning ₱30,000/month → 5% of ₱30,000 = ₱1,500/month
OFWs (Overseas Filipino Workers)
Also under the income-based scheme. Payments may be made annually or semi-annually through authorized collecting partners abroad.
Sponsored Members and Indigents
Their contributions are fully subsidized by the national or local government. They get the same benefits as paying members.
How the Contributions Are Calculated
Income Brackets
The premium rate for 2025 is 5% of the monthly income, subject to minimum and maximum salary ceilings (₱10,000 – ₱90,000).
Premium Rates in 2025
The Universal Health Care Law mandates gradual increases:
- 2023: 4.5%
- 2024: 5.0%
- 2025 and beyond: 5.0% (stabilized)
Examples of Monthly Contributions
| Monthly Salary | Contribution (5%) |
|---|---|
| ₱15,000 | ₱750 |
| ₱30,000 | ₱1,500 |
| ₱90,000 | ₱4,500 (capped) |
Payment Options and Deadlines
Where to Pay PhilHealth Contributions
You can pay via:
- Bayad Center
- GCash / Maya
- PhilHealth-accredited banks
- Overseas payment centers for OFWs
Deadlines You Shouldn’t Miss
For self-employed: usually the last working day of the month
For employed: deducted automatically and remitted by employer
How to Check Your PhilHealth Contributions
Online Options
You can log in to the PhilHealth Member Portal to:
- View payment history
- Check your membership category
- Print your MDR (Member Data Record)
Manual Verification at Branches
You can also visit any PhilHealth office and request a contribution printout. Bring a valid ID and PhilHealth number.
Benefits of Being a PhilHealth Member
Inpatient Coverage
PhilHealth subsidizes:
- Room and board
- Medicines
- Lab tests
- Professional fees
- Surgery costs
Outpatient and Primary Care Benefits
Includes Konsulta package, which covers:
- Annual physical exams
- Selected lab tests
- Doctor consultations
- Health screening
Z Benefits and Konsulta Package
Z Benefits are for catastrophic illnesses like cancer and heart surgery, giving up to hundreds of thousands in coverage.
What Happens If You Don’t Pay PhilHealth Contributions?
Penalties
Late payments may include interest or surcharges. You also risk losing access to benefits when needed most.
Suspension of Benefits
If you’re inactive and need hospitalization, PhilHealth may not cover you unless you update your status and pay the required back premiums.
Common Questions and Misconceptions
Is PhilHealth Mandatory?
Yes. Under the Universal Health Care Law, all Filipinos are automatically covered—but payment compliance is essential to enjoy full benefits.
Can I Opt Out?
No, participation is mandatory regardless of income or employment status.
PhilHealth and the Universal Health Care Law
Key Provisions That Affect Contributions
- All Filipinos are automatic members.
- Contributions are income-based.
- Indigent and sponsored members get government help.
Income-Based Contributions
This means your PhilHealth payment grows with your income—a way to maintain fairness in the system.
How Employers Handle PhilHealth Contributions
Withholding and Reporting
Employers deduct 2.5% from your salary and match it with another 2.5%. They must remit it monthly.
Company Responsibilities
Companies must:
- Register employees
- Remit monthly contributions
- Submit reports to PhilHealth
PhilHealth for Freelancers and Gig Workers
How to Register
You’ll need:
- Valid ID
- Income documents (ITR or affidavit of income)
- Filled-out PMRF form
How to Maintain Active Status
Pay regularly and keep your details updated to stay eligible for benefits.
PhilHealth Contribution Disputes
What to Do in Case of Overpayment or Errors
File a refund or adjustment request at any PhilHealth office with supporting documents.
How to File a Complaint
Use the official PhilHealth website or go directly to a branch. They’re required to address concerns promptly.
Tips to Maximize Your PhilHealth Membership
Availing Services Properly
Always present your MDR and valid ID at hospitals. Be familiar with partner hospitals that offer the best PhilHealth packages.
Keeping Your Records Updated
Update your contact info, dependents, and category status regularly to avoid claim rejections.
Conclusion
Staying updated with the PhilHealth Contribution Table for 2025 is more than just compliance—it’s about securing your health and future. Whether you’re a freelancer, employee, or OFW, your PhilHealth membership is your key to accessible healthcare. Contribute wisely, monitor your payments, and make use of the benefits you rightfully deserve.
FAQs
1. What is the PhilHealth premium rate for 2025?
The premium rate is 5% of your monthly income, capped at ₱4,500.
2. How can OFWs pay their PhilHealth contributions?
OFWs can pay through authorized collecting agents abroad or online channels.
3. Can I still pay if I missed the deadline?
Yes, but penalties may apply. Always check with PhilHealth for your specific case.
4. How do I check my PhilHealth number online?
Log in to the PhilHealth Member Portal or contact their customer service hotline.
5. Is PhilHealth different from SSS or Pag-IBIG?
Yes. PhilHealth is for health insurance, while SSS handles social security and Pag-IBIG is for housing and savings.
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