Philhealth: Online Registration, Contribution & Benefits

As the ongoing Pandemic persists, we’ve proven that Health is Wealth. Every Filipino deserves assurance with their health, which is why companies are mandated to provide working Filipinos their own PhilHealth accounts.

The painful process of traditional registration for PhilHealth will no longer be a burden! PhilHealth now allows Filipinos with no existing PhilHealth accounts to enjoy its benefits by applying online.

If you have questions about how, worry no more! We’ve listed the general know-hows on PhilHealth’s Online Registration, Contribution and Benefits for your convenience.

First of all, WHAT is PhilHealth?

The Philippine Health Insurance Corporation (PhilHealth) or National Health Insurance Program was created in 1995 to implement universal health coverage in the Philippines. It is a tax-exempt, government-owned and controlled corporation (GOCC) of the Philippines, and is attached to the Department of Health.

This corporation provides universal health insurance programs that includes a sustainable system of funds constitution, collection, management, and disbursement for funding the purchase of basic minimum package. It also includes supplementary packages of health insurance benefits by the growing population.The benefits of enrolling in PhilHealth surrounds categories from inpatients and outpatients, senior citizens, dual citizens and foreigners, premature and small newborns, and pregnant women.

Their website states that PhilHealth started as a call to serve the rural indigents echoed since the early ’60s when the Philippine Medical Association introduced the MARIA Project which prioritized aid to communities in need of medical assistance.

WHY Do I Need PhilHealth?

Once you are already a PhilHealth contributor:

• You can enjoy special benefits paid to the accredited Health Care Institution through all case rates. These rates cover hospital charges and professional fees for the attending physician. It also includes day procedures, radiotherapy, hemodialysis, and outpatient blood transfusion.
• It also includes consultations, diagnostic examinations, and medicines for the cure of certain infections like Urinary Tract Infection (UTI).

WHAT Are Other BENEFITS OF Having A PhilHealth ID?

Having your own PhilHealth Insurance ID Card guarantees you:

• 15% discount on generic drugs on Watson’s, Rose Pharmacy, South Star Drug, and The Generics Pharmacy
• 20% to 80% discount on flu vaccines on PQ Health Shield and GSK
• Free eye exam from Vivian Sarabia Optical
• 20% discount on regular items in Vivian Sarabia Optical
• 10% discount on drug testing services at JNW Drug Testing sites

WHAT are the limitations of my PhilHealth Benefits?

To maximize your PhilHealth contributions, first you need to be more aware of its coverage and its limitations.

For example, an expectant mother who is a PhilHealth Monthly Regular Contributor can enjoy:

• supplements
• Vaccinations
• regular ob-gyn check-ups
• ultrasound scans

However, there are certain limitations to the coverage such as the following:

• Pregnancy below age 19
• First pregnancy at age 35 and older
• Multiple births such as twins and triplets
• Abnormalities of the ovaries, uterus, or placenta
• History of three miscarriages or abortions
• History of one stillbirth
• History of serious medical conditions such as diabetes, heart disease, hypertension, moderate to severe asthma, etc.

WHAT are the Types Of PhilHealth Members?

There are different categories that also varies in payment

1. Employed/ members of the formal economy

The most common one of all, wherein all employees with offices in the Philippines are enrolled with. This includes seafarers and household helpers, since their agencies are based in the country.

• Premium range: Php 200-875/month

2. Individually paying or self-employed, voluntary, or members of the informal economy

These are all unemployed or self-employed employees. This includes professionals or business owners, as well as retirees and farmers.

• Premium range: Php 600/ quarter and Php 900/quarter for those earning more than Php 25,000 a month

HOW to Register as a Voluntary Member?

Self-employed or citizens with businesses may acquire membership in the insurance program through the following steps:

1. 1. Visit the nearest PhilHealth branch in your area.
   2. Ask for two (2) PhilHealth Member Registration Forms and fill out all necessary details.

This form is also downloadable on the website.

3. Submit the form along with the following requirements:

• • One (1) photocopy of NSO-issued Birth Certificate
  • Valid identification cards (TIN ID, driver’s license, passport, or any document providing your or the applicant’s identity)
  • Foreigners should submit one (1) photocopy of the Alien Certificate of Registration

4. Once completed, wait until the PhilHealth number is released by the authorized officer.
5. Pay for the designated contribution for voluntary member

3. Overseas workers (OFWs)

All OFWs who passed through POEA and pay their OEC fees

• Premium: Php 2,400/year

4. Sponsored

All members working for a non-profit organization

• Premium: Sponsor pays Php 2,400/year

5. Indigent

All members with no source of income, or those without a stable household income

• Membership is pre-determined by the DSWD

6. Lifetime

For lifetime membership, these will include members who were able to pay at least 120 monthly premiums.

• Membership becomes free as soon as they reach 60 years old.

7. Senior Citizens

This includes Filipino citizens who are already 60 or above but have never been a PhilHealth member. This also includes senior citizens who were not able to pay 120 premiums for the duration of their membership.

HOW To Become A PhilHealth Member?

To become a PhilHealth member, follow these easy steps:

1. Fill-out two (2) copies of the PhilHealth Member Registration Form [PMRF] linked here.
2. Submit your filled out PMRF to the nearest Local Health Insurance Office (LHIO) together with the following documents:
   1. Two (2) 1×1 latest ID picture
   2. Two (2) valid IDs
   3. Any of the following documents:

For SSS pensioners

• Photocopy of Death, Disability and Retirement (DDR) indicating the date of retirement and effectivity date of pension
• Photocopy of the Retiree/Pensioner Certification indicating the effectivity date of retirement

For GSIS pensioners

• Photocopy of Certification/Letter of Approval of Retirement indicating the effectivity date of retirement
• Photocopy of Service Record issued by the employer showing rendered services of not less than 120 months
• Photocopy of Certification/Retirement Gratuity from the employer indicating services of not less than 120 months
• Photocopy of retirement voucher issued by GSIS

For Uniformed personnel of AFP, PNP, BJMP and BFP

• Photocopy of General/Special or Bureau Order indicating effectivity date of retirement
• Photocopy of Certification/Letter of Approval of Retirement from the GSIS indicating services of not less than 120 months
• Photocopy of Statement of Services issued by previous employer showing service of not less than 120 months

GSIS Disability Pensioner / SSS Permanent Total Disability Pensioner before March 4, 1995

• Photocopy of Death, Disability and Retirement (DDR) indicating the date of retirement and effectivity date of pension
• Photocopy of Disability Pensioner Certification issued by SSS/GSIS indicating effectivity date of pension or the period of coverage for disabled pensioners.

SSS Survivorship Pensioner before March 4, 1995

• Photocopy of Death, Disability and Retirement indicating the type of survivorship in nature and the effectivity date of pension
• Photocopy of Survivorship Pensioner Certification indicating the effectivity date of pension

Other individuals who are not under the above mentioned categories

• Photocopy of official receipts of premium payments to PhilHealth
• Any other documents indicating the months of premium payments to PhilHealth

3. Await Member Data Record (MDR) and PhilHealth ID Card

HOW do I Apply for PhilHealth Online?

With circumstances like lockdowns, PhilHealth has offered online registration also!

STEP 1: Visit PhilHealth website and click the Online Services link encircled below

Or just visit Philhealth Electronic Registration System at https://eregister.philhealth.gov.ph

STEP 2: Click Membership > Electronic Registration > Register link tabs and then new window will pop up looking like the photo below:

STEP 3: Once you reach the PhilHealth Electronic Registration System page, click Proceed.

Read the terms and conditions. Once done, tick the checkbox to confirm that you understood the terms.

After that, click Accept.

STEP 4: Fill out the PhilHealth online application form

And make sure all these items are filled out:

• Personal Information
• Contact Details
• Address
• Dependents Information
• Guardian Information
• Membership Category Information
• Upload Documents (optional)

Note: Single individuals may list the name of their parents who are aged 60 years or older as dependents. Married individuals may list their spouse and their children.

STEP 5: Upload supporting documents

Supporting documents includes birth certificate, passport or driver’s license. Scan these documents and save as .JPG, .PNG, .GIF or .PDF, then upload them one by one.

STEP 6: Review all information before proceeding.

For verification and security purposes, enter the Captcha code. Refresh if not legible.

STEP 7: Tick the checkbox to confirm that all information entered is correct and accurate.

After this, click Submit Registration.

STEP 8: Wait for the confirmation email upon completion of the registration.

Your PhilHealth number will also be sent to you.

Now, you’re all set for PhilHealth membership!

WHAT to do if I FORGET your PhilHealth Number?

If you ever forget your registered PhilHealth number, there are three ways to access your account.

1. VIA TEXT:

Text 0917-5129149 or send an email to PhilHealth to [email protected].

Include the following details in this format:

• LAST NAME
• FIRST NAME
• MIDDLE NAME
• BIRTHDAY

2. VIA PHYSICAL VISITS:

Contact PhilHealth branches near you or the head office. You can also visit PhilHealth Express sites at:

• Robinsons Manila
• LRT North Mall, Caloocan
• Robinsons Otis
• Robinsons Malabon
• Lucky Chinatown, Binondo, Manila
• Head office is located at Citystate Centre, 709 Shaw Blvd. 1603 Pasig City.

3. VIA YOUR EMPLOYER

Check with your previous employer if they still have your PhilHealth records.

HOW do I Get my PhilHealth Insurance ID Card?

PhilHealth Insurance ID Cards are granted to both the formal economy or (workers in the government and private sectors who have established employee-employer relations are qualified under this program) and informal (those who work for him/herself and are therefore both the employer and employee are qualified under this program) sector. You may claim it for P90 at any PhilHealth office.

But if you wish to declare a dependent for your ID card, you need to go to any Bayad Center outlet and pay P358. Two (2) valid IDs of your dependent are required to proceed.

Can I SEE the PhilHealth Contribution Table [2021]?

The Philippine Circular No. 2020-0005: Premium Contribution Schedule in the National Health Insurance Program (NHIP) Pursuant to RA 11223 — known as The Universal Health Care Act – Revision 1, was signed in February 2020.

It provides the key guidelines, objective and rationale of the contribution. It includes the updated Philhealth Premium Contribution Table showing the planned changes in the rates and premiums in the upcoming years.

Contribution changes:

• Lowest combined Employee and Employer contribution: Php350
• Highest combined Employee and Employer contribution: Php2,450

Note: A directive from the Office of the President defers the adjustment in premiums in consideration of the ongoing pandemic. Philhealth will keep collecting the same 3% rate (instead of 3.5%) and maximum of P60,000 (instead of P70,000) until Congress is able to pass a new law allowing the deferment of the scheduled premium adjustment in the Universal Health Care Act of 2019. Philhealth will proceed with the scheduled adjustments should no new legislation is passed for this reason.

HOW do I Monitor my Philhealth Contributions?

There are two ways to check your PhilHealth contributions:

1. VIA WEBSITE

• Visit the PhilHealth website
• Log in to the Member Inquiry facility by entering your PIN and password (check activation sent to your email)
• Answer the security question briefly
• The Member Static Information page will appear. Click on Premium Contributions below the table that shows your personal details.

2. VIA PHONE CALL

PhilHealth has an Interactive Voice Response System, a 24/7 landline-based service that accommodates all member inquiries regarding contribution status, membership, benefits and other related concerns. Just dial (02) 441-7442 and follow the instructions from the voice prompt.

WHO are QUALIFIED as PhilHealth dependents?

The following people can be registered as a PhilHealth dependent:

• Legitimate spouse (non-member)
• Child or Children (legitimate, legitimated, acknowledged and illegitimate)
• Child or Children (adopted or stepchild or step children below 21 years of age that are unmarried and unemployed
• Children (21) years old or above but suffering from congenital disability, either physical or mental, or any disability acquired that renders them totally dependent on the member for support, as determined by the Corporation;
• Foster child as defined in Republic Act 10165 otherwise known as the Foster Care Act of 2012;
• Parents who are (60) years old or above (non-member), whose monthly income is below an amount to be determined by PhilHealth in accordance with the guiding principles set forth in the NHI Act of 2013
• Parents with a permanent disability regardless of age as determined by PhilHealth, that renders them 100% dependent on the member for support.

HOW do I CLAIM my PhilHealth benefits?

There are some considerations to claim your benefits:

Per the Sufficient Regularity of Payment (SRP) rule mentioned in PhilHealth Circular No. 2017-0021:

• You should have been able to make 6 months worth of contributions preceding the 3 months qualifying contributions within the 12-month period prior to the first day of confinement.

This means that to be eligible to claim PhilHealth benefits, you should have paid at least 9 months worth of premiums within the 12 months preceding the confinement (including the period of confinement).

• Claims should be made within 45 days of obtaining room and board.

Here are the STEPS for CLAIMING your PhilHealth benefits:

Once you’ve met the considerations we’ve listed above, you can follow this easy step in claiming your PhilHealth benefits:

Prepare and complete all the necessary documents for filing a claim. You can get copies from the hospital or download the appropriate forms from the Philhealth website.

• Member Data Record Form (MDR)
• PhilHealth claim form 1 (original copy)
• Certificate of payments (with OR numbers)
• PhilHealth ID and another valid ID

Can I UPDATE my PhilHealth Member Data Record online?

The answer is yes! Updating is made easier with PhilHealth’s online procedures. It’s a good thing to make it a habit to have your PhilHealth information regularly updated to avoid unnecessary headaches.

All you have to do is:

1. Visit the Philhealth website: https://www.philhealth.gov.ph/
2. Download a copy of the Philhealth Member Registration Form (PMRF).
3. Tick the box on the upper right hand of the page that says, “UPDATING/AMENDMENT”
4. Complete all required information on the form and double check for accuracy.
5. Download a copy of the completed form and attach it to an email. Send the email to [email protected]
6. You’ll receive confirmation that your MDR has been updated via email so make sure to check your inbox. (casually check your SPAM folder as it may have been routed there)

Other PhilHealth Frequently Asked Questions [FAQs]:

Here are more common questions that you might need answers to:

1. Does PhilHealth membership expire?

Yes, if you haven’t made the required contributions within a specified amount of time, you won’t be entitled to claim benefits when you need it. PhilHealth circular No. 2017-0021 states that you should have at least paid 9 months worth of premiums within the 12 months preceding confinement.

2. Can parents be dependents for PhilHealth?

Yes, but only if the parent(s) is deemed as permanently disabled and completely dependent on the PhilHealth member.

The National Health Insurance Act of 2013 states that “Parents with a permanent disability, regardless of age as determined by the Corporation that renders them totally dependent on the member for subsistence.” can be legally declared as a dependent.”

3. What are the PhilHealth Contribution Payment Deadlines?

Payment deadlines are based on the last digit of the PhilHealth employer number:

• 0 to 4: 11th to 15th day of the month
• 5 to 9: 16th to 20th day of the month

4. How can I pay for PhilHealth contributions?

Assuming you make voluntary contributions (not from formal economy segment), you can pay your premiums via the following outlets:

• Any branch of PagIBIG, SSS, or PhilHealth
• 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)

5. How will I know my PhilHealth number?

Just dial (02) 441-7442 and follow the instructions from the voice prompt.

Before you make a call, get your PhilHealth Identification Number (PIN) ready, as this will be required to access your records.

You can find it on your PhilHealth ID card.

6. How can I check my Philhealth contributions?

The most efficient way of verifying your PhilHealth contributions is via the My PhilHealth Portal.

You have to know your PIN beforehand though as it will be required during registration (so you can access their Member Inquiry page). And then enter the number shown on the black box to continue.

For those who need to know their PhilHealth PIN, you can try reaching PhilHealth to inquire via the following ways:

• Textline: 0917-898-7442 (PHIC)
• PhilHealth Trunkline: (02) 441-7444
• PhilHealth Hotline Call Center: (02) 441-7442
• Email: [email protected]
• Official Facebook page: https://www.facebook.com/PhilHealthofficial/

Or best would be to visit any PhilHealth branch or satellite office in your area so you can inquire about your PIN and your contribution history.

7. How can I change my PhilHealth status?

For changing your marital status in your PhilHealth information, here are the documents required to do it:

• If Married– Original or Certified true copy of Marriage Contract/Certificate
• If Widowed – Original/Certified true copy of Death Certificate of spouse OR Judicial Declaration of Presumptive Death
• If Annulled – Original or Certified true copy of Annulment Papers

Present this at any nearest PhilHealth branch. You will be asked to complete a new Membership form. A new PhilHealth ID will be issued upon updating of your civil status.

8. WHERE are the Philhealth Branches?

If lockdown restrictions allows you, you can get in touch with PhilHealth personnel in PhilHealth regional branches listed below:

• PRO I – Dagupan

Regional Office

Address: EMDC Bldg., Sec. Francisco Q. Duque, Jr. Road, Tapuac District,

Dagupan City, Pangasinan

Phone: (075) 515-3333; (075) 5229691 (fax)

Email: [email protected]

• PRO II – Tuguegarao

Regional Office

Address: The Builder’s Place, Del Rosario Street, Tuguegarao City 3500

Phone: (078) 255-1342; 255-1341; 255-1340; 255-1338

Email: [email protected]

• PRO CAR – Baguio

Regional Office

Address: SNOBT Inc. Building, No. 19 Leonard Wood Road Baguio City 2600

Phone: (074) 444-5345; 444-8361; 444-9862

Email: [email protected]

• PRO III-A – San Fernando

Regional Office

Address: G/F PhilHealth Bldg., Lazatin Blvd., San Agustin,

San Fernando City, Pampanga C-2000

Phone: (045) 961-1977; (045) 961-3949 loc. 4330

• PRO III-B – Malolos

Regional Office

Address: The Cabanas Mall of Malolos 2nd and 3rd floors N4 Bldg.

Km. 44/45 MacArthur Highway Longos, Malolos City, Bulacan

Phone: (044) 796-1559; (044) 796-1560 loc. 440

• PRO NCR

Regional Office

Address: VCP Building, Block 56, Lot 11, 68 Kalayaan Avenue

Teacher’s Village West, Quezon City

Phone: (02) 441-5673

• PRO NCR North – Manila

Branch Office

Address: 10th Commandment Building, Rizal Avenue, Caloocan City

• PRO NCR Central – Quezon City

Branch Office

Address: Corporate 145 Building, 145 Mother Ignacia, Barangay South Triangle, Quezon City

• PRO NCR South – Pasig

Branch Office

Address: 12/F Citystate Centre Bldg., 709 Shaw Boulevard, Pasig City

• PRO IV-A – Lucena

Regional Office

Address: Lucena Grand Central Terminal, Brgy. Ilayang Dupay, Lucena City

Phone: (042) 373-7554

Email: [email protected]

• PRO IV-B – Batangas

Regional Office

Address: Caedo Commercial Center

Calicanto, Batangas City 4200

Email: [email protected]

• PRO V – Legazpi

Regional Office

Address: ANST III Building, Alternate Road, Legazpi City

Phone: (052) 481-5596

• PRO VI – Iloilo

Regional Office

Address: Gaisano Capital Building, Luna Street, Lapaz, Iloilo City

Phone: (033) 501-9160 to 62 loc. 100/102; (0998) 959-9487

Email: [email protected]

• PRO VII – Cebu

Regional Office

Address: Golden Peak Hotel & Suites,

Gorordo Ave. corner Escario St., Cebu City 6000

Phone: (032) 233-3270; 233-3289; 233-7407; 233-752

• PRO VIII – Tacloban

Regional Office

Address: PhilHealth Building 167 P. Burgos St. Tacloban City, Leyte

Phone: (053)325-3563; (053) 523-1195 (Fax)

Email: [email protected]

• PRO IX – Zamboanga

Regional Office

Address: BGIDC Corporate Center, Gov. Lim Ave., Zamboanga City

Phone: (062) 992-2739 (fax)

Email: [email protected]

• PRO X – Cagayan De Oro

Regional Office

Address: 4th Floor, Gateway Tower 2, Limketkai Center, Lapasan Highway, Cagayan de Oro City 9000

Email: [email protected]

• PRO CARAGA – Butuan

Regional Office

Address: Lynzee’s Building, 766 J. Rosales Avenue, Butuan City

Phone: (085) 342-5747; (085) 342-5748; (085) 225-7026; (085) 816-0019

Email: [email protected]

• PRO XI – Davao

Regional Office

Address: Valgosons Building Bolton Extension, Poblacion, Davao City

Phone: (082) 295-2133 (PAU); (082) 282-2951 (PMAC); (0925) 7819987 (Local Healthline)

Email: [email protected] and [email protected]

• PRO XII – Koronadal

Regional Office

Address: CSA I Building Cor. Zulueta Street, General Santos Drive, Koronadal City

Phone: (083) 228-9731 to 34 (fax); (083) 228-4733

Email: [email protected]

• PRO ARMM – Marawi

Regional Office

Address: Noramis Building, Congressman Omar Dianalan Blvd.,

Lilod Saduc, Marawi City

Phone: (063) 876-0081, (0928) 507-1910; (0920) 937-2263

Email: [email protected] and [email protected]

You can also go to the various Local Health Insurance Offices. For the complete list of PhilHealth branches, please visit https://www.philhealth.gov.ph/about_us/map/regional.htm.