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Comprehensive Guide to PhilHealth: Online Registration, Benefits, and Contributions

In the Philippines, the best partner of the healthcare system is PhilHealth. Every Filipino is required to become a PhilHealth member. However, the traditional application is a tedious and painful process. Luckily, we now have a service for PhilHealth online registration. It caters to all Filipinos in need of the benefits.

Everything you need to know is thoroughly explained in this Comprehensive PhilHealth Guide.

Understand PhilHealth to get registered. Pay the appropriate contribution. And claim your benefits. 

Here’s What You Will Learn in This PhilHealth Guide

What is PhilHealth

What is the scope of PhilHealth?

Is The PhilHealth Coverage?

Who can be a PhilHealth Member?

PhilHealth Online Registration Requirements

Quick Guide to PhilHealth Online Registration

How to Apply For PhilHealth Voluntary Membership

PhilHealth Registration Guide for OFWs

Where to Get Your PhilHealth ID?

How to Use the PhilHealth Contribution Table

Where Can I Pay My PhilHealth Contributions?

How to Check Your PhilHealth Contribution Online?

How to Add Dependents in PhilHealth Online Registration

How to Claim Your PhilHealth Benefits

Quick Tips to Maximize Your PhilHealth Benefits

Frequently Asked Questions About PhilHealth

Comprehensive Guide to PhilHealth

Credit: https://www.philhealth.gov.ph/services/

What Is PhilHealth?

Mahirap magkasakit.

Some of us are not willing to visit a doctor unless in too much pain.

Health care is expensive.

Not all Filipinos can pay for the cure and care for their illnesses. The primary beneficiary of PhilHealth are people who don’t have immediate access to quality healthcare.

PhilHealth or Philippine Health Insurance Corporation started way back in 1995. It was created to ensure every Filipino can access quality health services.

National Health Insurance Program is the other term for PhilHealth. Through this program, Filipinos have affordable and efficient healthcare insurance. PhilHealth is a government-owned and controlled corporation (GOCC).

Basically, PhilHealth is a universal health insurance program. It includes a sustainable system of funds constitution, collection, management, and disbursement of funds. With this, you can purchase a basic minimum package for your health needs.

As time goes by, supplementary packages of health insurance benefits are developed to accommodate our growing needs.

However, keep in mind that PhilHealth has limited coverage.

It solely focuses on paying for the utilization of health services provided by beneficiaries. Medicines and healthcare professional fees in emergency rooms are not covered.

What is The Scope of PhilHealth?

According to RA 7875, the PhilHealth program is a tax-exempted Government Corporation.

The priority objective is to formulate and enforce policies for the administration of the National Health Insurance Program.

There are specific standards, rules, and regulations to provide its best health benefits. That’s why it is significant to track how the quality health care facilities performed.

Aside from that, the PhilHealth program has monetary property functions. It has the power to collect, deposit, invest, administer, disburse, receive and manage grants and donations for Filipinos overall wellness.

In addition, PhilHealth conducts an inspection of facilities, technologies, and medical equipment. This ensures that quality service is received by every PhilHealth member and dependent.

Overall, PhilHealth’s main concern is to secure the best health and wellness program for the country.

What is the PhilHealth Coverage?

PhilHealth online membership is vital for every Filipino.

Here’s why:

It includes inpatient and outpatient services in health facilities.

Regardless of your age, you can have a PhilHealth Membership. Senior citizens, dual citizens and foreigners, pregnant women, and premature and small newborns can receive health benefits as well.

Moreover, being a PhilHealth contributor gives you special privileges.

PhilHealth covers your hospital charges and professional fees for the attending physician. Day procedures, radiotherapy, hemodialysis, and outpatient blood transfusion are included as well.

Aside from that, primary care benefits are part of your PhilHealth including consultation, diagnostic tests, and medicines.

That’s how it is important to become a PhilHealth member.

Read on this Comprehensive PhilHealth Guide to understand more of its advantages.

Who Can be a PhilHealth Member?

Employed Filipinos are automatic members of PhilHealth. It is your employer’s responsibility to ensure your membership and you have regular contributions deducted from your paycheck.

Since PhilHealth aims to ensure all Filipinos, it opens membership to these people. Here is the answer to your question on how to be a PhilHealth member. 

Mandatory Employee Benefit

These are people who are members of the formal economy. It includes employees working in offices in the Philippines. Seafarers and household helpers are part of this group. Primarily, any employee whose agency is based in the country.

Your premium range is about Php 200 to Php 875 per month.

Self-Employed

PhilHealth requirements for self-employed are Filipinos paying individually, voluntary, unemployed or members of the informal economy. They are self earning individuals like business owners, lawyers, doctors, freelancers, retirees, and farmers. Basically, their income is generated from their business or profession.

Your premium range is about Php 600 per quarter and Php 900 per quarter. If you’re a PhilHealth self-employed and earn more than Php 25,000 a month, this is your due contribution.

Informal Sector Workers

Included in this group are people working in the informal economy. Specifically, they are jeepney and tricycle drivers, street and market vendors, and small construction workers.

Your premium range is about Php 2,400 annually.

Overseas Filipino Workers (OFWs)

All Filipinos working abroad are included here. If you passed through POEA and pay your OEC fees as you are considered as an OFW.

Your premium range is about Php 2,400 per year.

Filipinos working for a non-profit organization are under this category.

The premium range paid by the sponsor is about Php 2,400 per year.

Indigent

Filipino citizens with no source of income can be a PhilHealth member. A breadwinner without a stable household income is part of this group.

Department of Social Welfare and Development (DSWD) predetermines this membership.

Lifetime

This included members who paid at least 120 monthly premiums. When you reach 60 years old, your membership becomes free.

Senior Citizens

Filipinos aged 60 and haven’t been a PhilHealth member. It includes senior citizens who fail to pay 120 premiums.

Assess yourself. 

Which group do you fall in?

Prepare the right amount needed for your monthly contribution. 

Read more in this comprehensive PhilHealth guide to maximize your membership.

What are PhilHealth Online Registration Requirements?

Just like when you apply to any organization, PhilHealth requires submission of requirements.

Don’t worry. You can easily provide these requirements for applying PhilHealth membership.

1. Two (2) copies of the completed PhilHealth Member Registration Form (PMRF)

2. Also, two (2) 1×1 latest ID picture

3. Lastly, two (2) valid IDs

Every applicant must identify which group they belong to and comply with the list of requirements needed.

PhilHealth Requirements for SSS Pensioners

      • Death, Disability and Retirement (DDR) – retirement date and effectivity date of pension must be indicated (Photocopy)
      • Retiree (Pensioner Certification) – effectivity of retirement date indicated. (Photocopy)

PhilHealth Requirements for GSIS Pensioners

      • Certification or Letter of Approval of Retirement – effectivity of retirement date indicated. (Photocopy)
      • Service Record issued by the employer – services rendered not less than 120 months (Photocopy)
      • Certification or Retirement Gratuity from the employer – not less than 120 months services indicated (Photocopy)
      • Retirement voucher issued by GSIS (Photocopy)

PhilHealth Requirements for Uniformed Personnel of AFP, PNP, BJMP, and BFP

      • General/Special or Bureau Order – effectivity of retirement date indicated. (Photocopy)
      • Certification or Letter of Approval of Retirement from the GSIS – not less than 120 months services indicated (Photocopy)
      • Statement of Services issued by the previous employer – not less than 120 months of services indicated. (Photocopy)

PhilHealth Requirements for SSS Permanent Total Disability Pensioner/GSIS Disability Pensioner

      • Death, Disability and Retirement (DDR) – retirement date and effectivity date of pension must be indicated (Photocopy)
      • Disability Pensioner Certification from SSS/GSIS – effectivity date of pension or the period of coverage for the disabled pensioner indicated. (Photocopy)

PhilHealth Requirements for SSS Survivorship Pensioner (before March 4, 1995)

      • Death, Disability and Retirement (DDR) – retirement date and effectivity date of pension must be indicated (Photocopy)
      • Survivorship Pensioner Certification – effectivity date of pension indicated. (Photocopy)

Other applicants

      • Official receipts photocopy of premium payments to PhilHealth
      • Other documents where the months of PhilHealth premium payments indicated.

Afterward, wait for your Member Data Record (MDR) and PhilHealth ID Card.

Simple as that.

Know which category you belong to. Prepare all the documents needed. Then, visit the nearest Local Health Insurance Office (LHIO).

Leave the premises as a PhilHealth member at the end of the day.

Quick Guide to PhilHealth Online Application

Unlike the conventional PhilHealth application, PhilHealth online registration is a lot easier and more convenient.

This comprehensive PhilHealth guide will discuss on how to register in PhilHealth online.

Step 1. Visit the official PhilHealth Website

Once on the page, click the link Online Services. Also, check out the PhilHealth Electronic Registration System. Go to https://eregister.philhealth.gov.ph

Step 2. Press the Register Link

You can find it under the category Membership.

Expect for a new window to pop up.

Step 3. Read the PhilHealth Electronic Registration Terms and Conditions

Click the Proceed option.

The terms and conditions will appear. Read and understand. If you agree, tick the checkbox.

Then, click the Accept button.

Step 4. Fill in the PhilHealth Online Application Form

Provide all this information:

      • Personal details
      • Contact details
      • Address
      • Dependents information
      • Guardian information
      • Membership category information
      • Upload documents (optional)

Reminder:

Single individuals – list parents names 60 years and above as dependents.

Married individuals – list spouse and children name as dependents.

Step 5. Upload supporting documents

Scan, save and upload your documents one by one. Make sure it is on JPEG, PNG, GIF or PDF.

You will need a birth certificate, passport, driver’s license or any government-issued identification

The maximum file size of your documents should be 2MB.

To ensure a faster application process, submit readable copies.

Step 6. Review all the information

Always check the information you have provided.

Enter the Captcha code. It is for your PhilHealth membership verification and security purposes. You can refresh the Captcha if not legible.

Step 7. Confirm the information

Do this by ticking the checkbox. This means all the details are correct and accurate. Next, click the Submit Registration.

Step 8. Wait for the e-mail confirmation

Upon registration completion, an e-mail will be sent to you. It answers your question about how to know PhilHealth number online. 

Save it.

Viola! 

In just 8 steps, you are now a member of PhilHealth. 

No need to leave your house. Thanks to the comprehensive PhilHealth guide from this page. You now know how fast and easy PhilHealth online registration is.

How to be a PhilHealth Voluntary Member

Voluntary members are self-employed individuals.

Usually, they are Filipinos with their own businesses.

Nevertheless, they can still acquire PhilHealth membership through these steps.

Step 1. Visit the nearest PhilHealth branch.

Step 2. Fill-up two (2) copies of PhilHealth Member Registration forms.

You can download this form from their PhilHealth website online.

Step 3. Submit the form together with your other documents.

      • Photocopy of NSO-issued Birth Certificate
      • Valid identification cards such as TIN ID,  driver’s license, passport or any government-issued ID
      • For beneficiaries, submit a photocopy of supporting documents
      • For foreigners, submit a photocopy of a Alien Certificate of Registration. Get this from the Bureau of Immigration.

Step 4. Wait for the number of your PhilHealth member inquiry.

It is released by authorized PhilHealth personnel.

Step 5. Pay the contribution as a voluntary PhilHealth member regularly.

How OFWs Can Apply for PhilHealth Voluntary Membership

Overseas Filipino Workers should not neglect their health privileges.

Don’t take it for granted. 

You or your kids might need it in the future.

However, how can you process while working abroad?

Don’t worry. 

We got the best comprehensive PhilHealth guide for you.

There are three ways to accomplish your PhilHealth Registration. You can apply at:

1. Any branch of PhilHealth-accredited collecting partners. It can be either iRemit or Ventaja Corporation.

2. Through the PhilHealth online registration facility. The procedure is similar to the Online Application.

3. By downloading and printing the PMRF online registration. Complete all the required fields. Send it to ofp@philhealth.gov.ph.

You can use any of these methods. Make sure you pay the annual PhilHealth contribution regularly. It costs Php 2,400 per year. Payment is accepted at any PhilHealth office, collecting agents, or the PhilHealth Operations Center at the POEA Central Office.

If you have any questions and request, you may contact the following:

      • PhilHealth’s Overseas Filipino Program via e-mail at ofp@philhealth.gov.ph or actioncentre@philhealth.gov.ph
      • OFW mobile phone at (63) 927-512-9149 or
      • OFW landline at (02) 441-7442

Apply now and pay your contributions.

Where to Get Your PhilHealth ID?

PhilHealth Insurance ID Cards are a must-have. It is recognized as a valid secondary ID.

Members from the formal economy and the informal sector are granted with this ID.

Claim it for only Php 90 at any PhilHealth office.

Did you know that you can declare your dependent on your ID Card?

Just go to any Bayad Center Outlet. Prepare two (2) valid IDs of your dependent and pay Php 358.

How to Use the PhilHealth Contribution Table 2020

Recently, the new rate for computing the contribution amount is 2.75%. This is according to the PhilHealth Circular No. 2017-0025.

PhilHealth Contribution of Employed Members

The salary brackets are removed. The computation is now based on this table.

Comprehensive Guide to PhilHealth Online Registration, Benefits, and Contributions

For example:

In March 2019, the employee had a basic salary of Php 15,000.

The monthly premium contributions rate is 2.75%. It is computed based on the basic salary.

So if the salary is Php 15,000 find out its 2.75%.

The computation should be: P15,000 x 0.0275 = P412.50

The total contribution is P412.50. Divide this by 2 since half of the contribution is paid by the employer.

P412.50/ 2 = P206.25.

This means P206.25 will be deducted from the payslip.

As per RA 10361, household helpers’ premium contributions are shouldered by the employer. A helper who earns more than Php 5,000 monthly, he or she will pay for his or her own contribution.

PhilHealth Contribution of Self-Employed Members

Members in this category pay quarterly, semi-annually or annually.

      • Monthly income <Php 25,000 = Php 2,400 per year
      • Monthly income >Php 25,000 = Php 3,600 per year

PhilHealth Contribution of OFW

The land-based OFWs premium contribution is Php 2,4000 per year.

Sponsored members of PhilHealth must have their premium contributions paid fully or partially by their sponsors.

Such sponsors are LGUs, Private Entities, Legislators, and National Government Agencies.

The annual premium contribution is Php 2,400.

Based on the discussion, you have an idea of how much your premium contribution must be.

Check which category you’ll fall.

Reminder: In 2020, PhilHealth will increase the rate to 3% from the current rate of 2.75%. The Income floor is fixed at P10,000 while the ceiling will be P50,000 by 2020.

Where Can I Pay for PhilHealth Contributions?

Aside from the PhilHealth branch near you, you can pay voluntary contributions through the following outlets.

      • SM Bill Payment counters
      • CIS Bayad Center
      • Post offices in Metro Manila
      • BancNet’s Member Banks
      • Bank of the Philippine Islands (via Bizlink)
      • Citibank N.A. (via Citiconnect)
      • Land Bank of the Philippines (via EPS)
      • Security Bank Corporation (via Digibanker)
      • Union Bank of the Philippines (via OneHUB)
      • BancNet Inc. (via e-Gov facility)

Make timely payments by dropping by to any of these convenient outlets.

How to Check PhilHealth Contribution Online?

Did you know that you can personally monitor your PhilHealth Contribution?

There are two ways to make a PhilHealth contribution inquiry.

Check Contribution in PhilHealth Website

      • Visit the official website
      • Log in to the Member Inquiry facility. Enter your PIN and password.
      • Answer the security question
      • Click Premium Contribution on the Member Static Information page. It is below the table that indicates your personal details.

Check Contribution via Phone Call

PhilHealth has an Interactive Voice Response System. It has a 24/7 landline-based service.

All your inquiries about contribution status, membership and benefits are accommodated here.

Dial (02)-441-7442. Follow the voice prompt instructions. Talk to the customer service assistant.

Isn’t that easy? Avoid the hassle of traffic. This is how to inquire PhilHealth about your contribution while at work.

How to Add Dependents in PhilHealth Online Registration

Who can be your registered PhilHealth dependent?

      • Legitimate spouse (non-member)
      • Child or children (legitimate, legitimated, acknowledges and illegitimate)
      • Child or children (adopted, stepchild or stepchildren below 21 years old who is unmarried and unemployed)
      • Children 21 years old and above with a congenital disability (physical or mental). Any disability acquired that renders totally dependent on the member for support, as determined by the corporation
      • Foster child (Republic Act 10165 – also known as the Foster Care Act of 2012)
      • Parents 60 years old and above (non-member)
      • Parents with a permanent disability (regardless of age as determined by PhilHealth). 100% dependent on the member for support.

If you have an immediate family member that falls in the above category, you can register them as your dependent.

Qualified dependents must be declared and listed under the principal member’s Member Data Record (MDR). Also, this ensures that they can get benefits from PhilHealth.

Make it a habit to update PhilHealth online details regularly. This includes registering your dependents.

It is needed for a smoother transaction and faster benefit claim approval. Here’s how to update dependents in PhilHealth online registration. 

Step 1: Check the PhilHealth website

Download the PhilHealth Member Registration Form online (PMRF) from the PhilHealth website

Step2: Select the “For Updating” Tickbox

It is located on the upper right-hand side of the PMRF. This means you’re not a new enrollee.

Step 3: Complete the PMRF

Provide all the correct and accurate information needed.

Step 4: Download the accomplished form

E-mail the copy to ofp@philheealth.gov.ph

Step 5: Check your e-mail inbox from time to time

It takes time for the request to be confirmed. You should check your SPAM folder as well.

Avoid long queue lines. Make changes in your account and do update PhilHealth online registration even at home.

Quick Tips to Maximize Your PhilHealth Benefits

      • Be early at the PhilHealth office. Even though the PhilHealth membership registration process takes less than a day, expect long queue lines. In some branches, early cut-off occurs. Worst case, PhilHealth system is having a down service.
      • Read the second page of PMRF first. Instructions are clearly stated in there. Once understood, fill-up the PhilHealth MDR form online correctly. 
      • Check the correct box for Purpose. If you’re previously employed or have an existing PIN, check “For Updating.”
      • PIN is a lifetime number. Every individual is entitled to one PIN only. No changes or additional number is given for the same person.
      • Declare all your dependents. To maximize your PhilHealth benefits, list down all the qualified PhilHealth dependents.
      • No need to pay extra. Wherever you apply for PhilHealth membership, pay for the fixed amount of contribution. Even if you add your dependents, the same amount must be paid.
      • Always check your MDR. Make sure all the information printed is correct. All the dependents’ names must be are written. It is very convenient especially when claiming PhilHealth benefits.
      • Contact interactive helpline. When in doubt, always remember that PhilHealth has a 24/7 hotline. Just dial (02) 441-7442 and follow the voice prompt.

Frequently Asked Questions About PhilHealth

Listed below are the most common asked questions about PhilHealth.

How to Know My Philhealth Number

Access your PhilHealth number in three ways.

1. Text 0917-512-9149 or e-mail to ofp@philhealth.gov.ph

Text format must be as follows:

      • Last Name
      • First Name
      • Middle Name
      • Birthday

2. Drop by the nearest PhilHealth branch. Also, you can try out this PhilHealth Express sites at:

      • Robinsons Manila
      • LRT North Mall (Caloocan)
      • Robinson Otis
      • Robinsons Malabon
      • Lucky Chinatown, Binondo, Manila

You may visit the head office at Citystate Centre, 709 Shaw Blvd, 1603 Pasig City

3. Ask your previous employer about your PhilHealth records.

What the Other Benefits of PhilHealth ID?

After learning how to apply for PhilHealth ID, you can enjoy the perks that come with it. Your PhilHealth Insurance ID Card guarantees you the following:

      • 15% discount on generic drugs (Watson’s, Rose Pharmacy, SouthStar Drug, and The Generics Pharmacy
      • 20% to 80% discount on flu vaccines (PQ Health Shiels and GSK)
      • A free eye exam from Vivian Sarabia Optical
      • 20% discount on regular items (Vivian Sarabia Optical)
      • 10% discount on drug testing services (JNW Drug Testing sites)

Does My PhilHealth Membership Expire?

Yes, it does.

If you fail to pay for the required contributions within a specified time, you’re not entitled to claim benefits.

As mentioned earlier, you must pay at least 9 months’ worth of premium within the 12 months preceding confinement. It is clearly stated in the PhilHealth Circular No. 2017-0021.

Can PhilHealth Cover My Dental Needs?

PhilHealth covers your dental care.

Make sure that all your procedures are done in a hospital and health maintenance organization (HMO).

Basically, only surgical procedures are accepted for your PhilHealth coverage. Cleaning and tooth extraction are not included.

When are the deadlines for PhilHealth Payment Contribution?

Deadline of payment is based on the last digit of the PhilHealth employer number.

If your number ends in:

      • 0 to 4, pay at 11th to 15th day of the month
      • 5 to 9, pay at 16th to 20th day of the month

Check your number. Pay your employee’s contributions on time.

Can I Check my PhilHealth Contributions?

Check out the My PhilHealth Portal registration. It is the most efficient way to verify your PhilHealth contribution status.

But first, you must know your PIN. You can’t register your account without it. Provide it at the Member Inquiry page.

Don’t know your PhilHealth PIN? Reach out PhilHealth assistance via:

Textline: 0917-898-7442 (PHIC)

PhilHealth Trunkline: (02) 441-744

PhilHealth Call Center: (02) 441-742

E-mail: actioncenter@philhealth.gov.ph

Official Facebook page: https://www.facebook.com/PhilHealthofficial/

For best result, you can visit the nearest PhilHealth branch or satellite office. Inquire your PIN and contribution history.

Can I Change my PhilHealth Status?

Recently got married? Or is your spouse died?

You have to update your PhilHealth online registration change status.

Present the following documents at the nearest PhilHealth branch in your area.

      • Married – an original or certified true copy of Marriage Contract
      • Widowed – an original or certified true copy of Death Certificate of a spouse or Judicial Declaration of Presumptive Death
      • Annulled – an original or certified true copy of Annulment Papers

Complete a new Membership Form. Wait for your new PhilHealth ID with the updated civil status.

Health is wealth. Believe it. It is true indeed. You’ll never know how important it is until you are trapped in the worst medical situation. What is the better way to escape this? Be financially equipped with PhilHealth assistance. Secure readily available insurance for both your present and future life.

Grab the privilege. Follow the instructions from this Comprehensive PhilHealth Guide. Surely, you can acquire a PhilHealth number and ID.

Ilang Hulog Bago Magamit Ang Philhealth sa Panganganak?

Since October 2018, PhilHealth requires members to pay at least 9 months’ worth of premium contribution for the past 12 months.

Or simply: You should have paid your contributions 9 months before your due date.

Who Can Avail of PhilHealth’s Maternity Benefit?

If you are a PhilHealth member with a regular monthly contribution (at least 9 months’ contribution for the past 12 months), you have nothing to worry about. You can enjoy the maternity benefits encompassing the above statements.

Keep in mind that there are certain coverage limitations. These are:

      • Pregnancy below 19 years of age
      • First pregnancy at 35 years of age and older
      • Multiple births (twins, triplets)
      • Abnormalities of the ovaries, uterus or placenta
      • History of 3 miscarriages or abortion
      • Or History of one stillbirth
      • History of a serious medical condition (diabetes, heart disease, hypertension, moderate to severe asthma and more)

How to Claim PhilHealth Maternity Benefits

To claim your maternity benefits, you must provide:

      • Latest copy of your PhilHealth MDR
      • PhilHealth Maternity Form CF1. You can get it from the hospital, your employer, or healthcare facilities.
      • Proof of premium payment such as your OR
      • PhilHealth ID and another valid ID
      • Claim Form 2 (CF2) filled out by your doctor. You can get this from the hospital or health care facility where you gave birth.

Submit these documents to the PhilHealth representative in the hospital. He/She will verify your documents and check how much to be deducted from your bill.

How Much Can I Get From PhilHealth Maternity Care Packages?

If you gave birth in the hospital, you are entitled to Php6,500. If you gave birth to other healthcare facilities such as lying-in clinics or birthing homes, you can get up to Php8,000.

Antenatal Care Package gives Php1,500. Pregnant women should have at least four prenatal checkups from a PhilHealth-accredited healthcare provider. They can reimburse the costs. Simply submit the original receipts for vitamins, medications and laboratory tests.

MCP provides Php3,900 if you gave birth in non-hospital facilities. Otherwise, you get Php3,000 if you gave birth in a hospital. This is only for those who had Normal Spontaneous Delivery (NSD).

Also, MCP allots Php2,600 (non-hospital facilities) or Php2,000 (hospitals) for the doctor or healthcare professional who attended to your procedure.

In addition, PhilHealth MCP covers C-section. You can get as much as Php19,000 to cover hospital fees and physician fees. Those who had complicated vaginal delivery get Php9,700, then P12,120 for a vaginal birth after C-section, and Php12,120 for breech extraction. Those who had a miscarriage and needed raspa can get as much as Php11,000.

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