We do not know when these health related problems will occur. So now I decided to update my PhilHealth membership and I thought of sharing the information and process with you.
In this particular post, I’ll show you how much contribution you need to pay to keep your membership active.
The Philippine Health Insurance Corporation released an updated PhilHealth Contribution Table for employed members, OFWs, self-employed members or individually paying members, and those who are under the sponsored program for 2018.
It is a must for all members, beneficiaries, and qualified dependents to become aware about these recent and updated premiums to keep your membership active.
If you haven’t registered yet, here’s an easy guide you can follow: How to Do Philhealth Online Registration. Your friends might need this guide as well! Help your friends by sharing this article to them.
Philhealth Contribution Table 2018 for Employed Members
This membership category are those who have formal contracts and fixed terms of employment. Whether you are in a private sector or in government, the employer and employee will share the premium contribution payments.
Starting the month of January this 2018 and onwards, monthly contributions shall be 2.75% of the monthly basic salary with floor of P10,000 and ceiling of P40,000. Just like before, Philhealth monthly premium is to be equally shared by the employee and employer. The previous salary bracket is removed and is now computed based on the following table:
|Monthly Premium||Personal Share||Employer Share|
|P 10,000.00 and below||P 275||P 137.50||P 137.50|
|P 40,000.00 and above||P 1,100.00||P 550.00||P 550.00|
In accordance with RA 10361, the premium contributions of the Kasambahay shall be shouldered solely by the household employer. However, if the Kasambahay is receiving a monthly salary of five thousand pesos (P 5,000.00) or above, the Kasambahay shall pay his/her proportionate share.
Philhealth Contribution 2018 for OFWs
If you’re a Sea-based OFW(seafarer), or Land-based OFW, or Filipino with dual citizenship, you will fall under this membership category.
For Land-based OFWs, the annual premium contribution is prescribed by the corporation. Basic rate is P2,400 per year but can be advanced for two years to five years. This may rely on the duration of the contract with your overseas employer.
For Sea-based OFWs (seafarers), the contribution rate depends on your salary. The premium you will pay is going to be similar with employed membership category. You can refer to the table above for this matter.
There are PhilHealth accredited collecting agencies overseas where you can pay your premiums:
- Development bank of the Philippines
- Philippines Veterans Bank
- Landbank of the Philippines
- iRemit Incorporated
- Ventaja International Corporation
- Bank of Commerce
- Asia United Bank
If there are no accredited agents in the country where you are in, you can simply ask one of your family members to pay to a near PhilHealth insurance office.
Philhealth Contribution 2018 for Self-Employed and Individually Paying Members
This category of membership comprises of people who work for themselves. Members under this category can pay either quarterly, semi-annually, or annually.
If you’re somebody whose monthly income is Php 25,000 below, your annual premium will be Php 2,400 per year.
If you’re monthly income is Php 25,000 and above, your yearly contribution will be Php 3,600.
Philhealth Contribution 2018 for the Sponsored Program Members
Members in this category are those whose contributions are paid by another individual, private entities, or government agencies.
Orphans, Barangay health workers, nutrition scholars, barangay tanod, and other barangay volunteers shall be subsidized by the Local Government Units.
Unenrolled women who are about to gave birth should also be subsidized by the LGUs if determined to be indigent.
Still, the annual contribution for this type of membership is worth Php 2,400 annually.
All Philhealth members and their beneficiaries are entitled to the benefits stated in their website. To see what benefits you can avail, you can checkout this part of Philhealth’s website.
This is part of the government’s move to bring health care to its citizens. We all deserve to have these kind medical attention. Whether you are an indigent or you’re somebody of higher social status, one thing is common: we are all human.
Just like what we usually hear, Health is Wealth. We need to be ready in times of health related troubles. To do that, PhilHealth is one of the best option if you cannot afford other health insurances, cards, and etc.
Real talk: It’s just 200 pesos per month. If you’re earning 20,000 pesos monthly, it won’t hurt your pocket. You can actually pay your annual contribution in one payment.
But despite this government healthcare being cheap, many people are lazy processing their membership. I myself included. (yeah boo me)
But imagine P2,400 per year in comparison to hospital bills that usually cost tens of thousands up to hundreds of thousands.
I can say that one of the most pitiful things you can do to yourself and your family is to not process your Philhealth membership. So go ahead and update your Philhealth membership as soon as possible. No buts, no second thoughts, just do it.
If you know somebody who needs this, please spread the love. You can save lives by sharing this post. Hey it’s as easy as 2 or 3 clicks.