As a follow-up to our post on New SSS Contributions which became effective January 1, 2014, we now bring you a similar Premiums and Contribution Table that will guide PhilHealth members or those intending to enroll in PhilHealth.
Qualified Members
All Filipinos, regardless if residing in the Philippines or in other countries working as Overseas Filipinos, are eligible to become a PhilHealth member. Actually, even foreign nationals who are staying in the Philippines are qualified to enroll in PhilHealth.
A summary of Philhealth’s member groups and the general contribution of each is summarized below.
| Group | Definition | Premiums Paid |
|---|---|---|
| Employed | Workers in the government and private sectors who have an established employee-employer relations | 2.5% of income base within the salary bracket, with the employee and employer equally sharing the contribution |
| OFW | Active, land-based Overseas Filipino Workers (OFW) who went through the regular registration process as an OFW at POEA offices. | P2,400 per year |
| Self-employed Professionals | Doctors, lawyers, engineers, teachers, nurses, architects, dentists and accountants not employed by a company | P900 per quarter |
| Individually Paying or Voluntary Members | Self-employed or those who work for himself/herself | Those with monthly income of P25,000 and below pay P600 quarterly or P2,400 per year. Those earning at least P25,000 pay P900 quarterly or P3,600 per year. |
| Foreigners | If employed, will be registered under the Employed group. If self-employed or merely residing in the Philippines, may enroll as a Voluntary Member. | See "Employed" or "Voluntary Member" groups. |
| Indigent / Sponsored Members | Indigents belonging to the lowest 25% of the Philippine population | Free. Must be endorsed by DSWD and LGU. |
| Retiree | A member at least 60 years of age and has made at least 120 monthly contributions to PhilHealth | Free |
Premiums and Contribution Table for Employed Members
PhilHealth members who are employed in the government or private sectors pay a premium based on their monthly salary. The contribution is around 2.5% of the salary base.
The total amount is shared equally by both the employer and the employee. The total monthly premium, depending on the employee’s monthly salary, is shown below.
Like in our SSS Contributions Table, to find out how much you should be paying as PhilHealth premium monthly, look for the row corresponding to your monthly gross salary.
The “Employee Share” column reflects the amount deducted from your salary every month, while the “Employer Share” is how much your employer contributes to your PhilHealth premium. The “Total Monthly Premium”, meanwhile, is the total amount remitted to PhilHealth on your behalf.
| Salary Bracket | Salary Range (in PHP) | Salary Base | Employee Share | Employer Share | Total Monthly Premium |
|---|---|---|---|---|---|
| 1 | 8,999.99 and below | 8,000.00 | 100.00 | 100.00 | 200.00 |
| 2 | 9,000.00 - 9,999.99 | 9,000.00 | 112.50 | 112.50 | 225.00 |
| 3 | 10,000.00 - 10,999.99 | 10,000.00 | 125.00 | 125.00 | 250.00 |
| 4 | 11,000.00 - 11,999.99 | 11,000.00 | 137.50 | 137.50 | 275.00 |
| 5 | 12,000.00 - 12,999.99 | 12,000.00 | 150.00 | 150.00 | 300.00 |
| 6 | 13,000.00 - 13,999.99 | 13,000.00 | 162.50 | 162.50 | 325.00 |
| 7 | 14,000.00 - 14,999.99 | 14,000.00 | 175.00 | 175.00 | 350.00 |
| 8 | 15,000.00 - 15,999.99 | 15,000.00 | 187.50 | 187.50 | 375.00 |
| 9 | 16,000.00 - 16,999.99 | 16,000.00 | 200.00 | 200.00 | 400.00 |
| 10 | 17,000.00 - 17,999.99 | 17,000.00 | 212.50 | 212.50 | 425.00 |
| 11 | 18,000.00 - 18,999.99 | 18,000.00 | 225.00 | 225.00 | 450.00 |
| 12 | 19,000.00 - 19,999.99 | 19,000.00 | 237.50 | 237.50 | 475.00 |
| 13 | 20,000.00 - 20,999.99 | 20,000.00 | 250.00 | 250.00 | 500.00 |
| 14 | 21,000.00 - 21,999.99 | 21,000.00 | 262.50 | 262.50 | 525.00 |
| 15 | 22,000.00 - 22,999.99 | 22,000.00 | 275.00 | 275.00 | 550.00 |
| 16 | 23,000.00 - 23,999.99 | 23,000.00 | 287.50 | 287.50 | 575.00 |
| 17 | 24,000.00 - 24,999.99 | 24,000.00 | 300.00 | 300.00 | 600.00 |
| 18 | 25,000.00 - 25,999.99 | 25,000.00 | 312.50 | 312.50 | 625.00 |
| 19 | 26,000.00 - 26,999.99 | 26,000.00 | 325.00 | 325.00 | 650.00 |
| 20 | 27,000.00 - 27,999.99 | 27,000.00 | 337.50 | 337.50 | 675.00 |
| 21 | 28,000.00 - 28,999.99 | 28,000.00 | 350.00 | 350.00 | 700.00 |
| 22 | 29,000.00 - 29,999.99 | 29,000.00 | 362.50 | 362.50 | 725.00 |
| 23 | 30,000.00 - 30,999.99 | 30,000.00 | 375.00 | 375.00 | 750.00 |
| 24 | 31,000.00 - 31,999.99 | 31,000.00 | 387.50 | 387.50 | 775.00 |
| 25 | 32,000.00 - 32,999.99 | 32,000.00 | 400.00 | 400.00 | 800.00 |
| 26 | 33,000.00 - 33,999.99 | 33,000.00 | 412.50 | 412.50 | 825.00 |
| 27 | 34,000.00 - 34,999.99 | 34,000.00 | 425.00 | 425.00 | 850.00 |
| 28 | 35,000.00 and up | 35,000.00 | 437.50 | 437.50 | 875.00 |
So if, for example, your salary is P14,500 per monthly, check the appropriate “Salary Bracket” (Row 7) and look for the corresponding Employee and Employer Share. Every month, your payroll statement should show that a total of P175.00 has been deducted from your salary as your PhilHealth contribution.
Your employer adds the other half, P175.00, and a total of P350.00 should be remitted to Philhealth on your behalf every month.
History of PhilHealth
PhilHealth or the Philippine Health Insurance Corporation is a tax-exempt, government owned and controlled corporation (GOCC) tasked to provide universal health coverage to its members.
PhilHealth was a creation of the National Health Insurance Act of 1995 or Republic Act 7875, a law signed by President Fidel V. Ramos on February 14, 1995 which mandates a sustainable national health insurance program in the Philippines. PhilHealth was then instituted as an attached unit to the Department of Health (DOH).
Prior to the creation of PhilHealth, a comprehensive nationwide medical care program was administered by the Philippine Medical Care Commission (PMCC) or Medicare.
Upon the signing of RA 7875 into law, PhilHealth replaced Medicare and took over the administration of the social health insurance in the Philippines starting in 1997.
In 2013, PhilHealth claims that it has achieved “near-universal coverage” with 81% or 81 million Filipinos registered as a PhilHealth member.
