Learn how to compute your PhilHealth monthly payment and its benefits.
PhilHealth or the Philippine Health Insurance Corporation contribution is one of the fundamental government-mandated benefits for employees in the Philippines. To find how much of your monthly salary is paid to PhilHealth, the formula is as follows:
How to compute PhilHealth Contribution 2023
Premium Rate x Monthly Basic Salary
The resulting amount is then divided equally between the employer and the employee. This applies to employees in the private and public sectors.
Let us say an employee is earning Php 20,000 in basic salary. We multiply this amount by the adjusted premium rate for 2022, which is 4% or 0.04.
20,000 x 0.004 = 800
The resulting Php 800 is then divided equally between the employer and the employee:
Employer share: Php 400
Employee share: Php 400
PhilHealth Premium Contribution 2023 Schedule
Below are the new guidelines from the Philippine Health Insurance Corporation (PhilHealth) for the adjusted contribution rates starting this 2022.
How much was the PhilHealth contribution increase in 2022?
The Philippine Health Insurance Commission (PHIC) or PhilHealth, released an advisory on May 11, 2022, to formally inform the public of its adjusted premium rate for 2022. The PhilHealth advisory cites Republic Act 11223 or the Universal Health Care (UHC) Act, which requires an increase of 0.5 in premium rate annually, beginning in 2019. As such, the new premium rate for 2022 is now 4% for direct contributors.
PhilHealth Contribution Table for Private Employees
How much is the 2022 monthly PhilHealth contribution rate for private employees?
PhilHealth has recently increased its contribution rate for 2022. Below is the updated table, including the minimum salary and income ceiling.
Furthermore, the agency has laid down its contribution rates factoring in the scheduled increase from 2023 to 2025.
PhilHealth Contribution 2023 (Up to 2025)
|Premium Rate||Monthly Basic Salary||Premium Rate|
|2022||Php 10,000 to Php 80,000||4%|
|2023 (suspended hike)||Php 10,000 to Php 80,000||4.5%|
|2024||Php 10,000 to Php 80,000||5%|
|2025||Php 10,000 to Php 80,000||5%|
Citing difficult times, the Palace has released a memorandum order suspending the scheduled increase in PhilHealth contributions under the Universal Health Care Act. Accordingly, the PhilHealth contribution rate for 2023 will remain at 4.0%. Furthermore, the income ceiling for contribution is also fixed at Php 80,000 for 2023.
The income floor where the contribution rate is applicable will remain at Php 10,000, and the income ceiling is still Php 80,000. For those daily paid employees with no fixed monthly basic salary, the estimated equivalent monthly rate will be the basis for the PhilHealth premiums. Furthermore, it is not mandatory for indigents, 4Ps beneficiaries, and unemployed senior citizens and PWDs to pay PhilHealth contributions.
How much is the PhilHealth monthly contribution for 2023?
Below is a sample computation table of the monthly paid premium contribution rates based on the employee’s basic salary. The computation for the PhilHealth monthly payment does not include overtime pay, sales commissions, and other gratuity payments.
Following the PhilHealth circular, the premium rates have been adjusted from three percent to four percent.
As a result, the following is a table for the sample computations for different salary ranges:
How do PhilHealth members pay premiums?
a. For private employee contributors:
Private employers deduct the PhilHealth premium from the employee’s salary, but employers do not do it manually. PhilHealth has a platform called the Electronic Premium Reporting System (EPRS) that speeds up the preparation and submission of PhilHealth report. As such, employers can register, enroll, and pay their employees’ premiums easily and conveniently.
To enroll employees in the electronic premium remittance system (EPRS), employers have four major steps to follow:
- Register online or walk in at any PhilHealth branch.
- Update your employee master list online, either individually or in bulk.
- Generate the Statement of Premium Account (SPA) as the basis for payment.
- Pay the amount due via PhilHealth’s partner banks or any other accredited collectors. Once payments are made, they will be validated and posted within three days.
Currently, the PhilHealth website states that they require all employers to pay using the ERPS.
b. For self-paying members:
Alternatively, self-paying members can pay their contributions by logging into the PhilHealth member portal. From there, they could generate a SPA, which will serve as the billing statement. Additionally, self-paying members can choose how long they will pay. Once all the desired ranges are set, the site generates the amount and due date.
How can employers settle the PhilHealth premium differential payments?
Employers who have not made payments for the adjusted PhilHealth contribution rate still have until December 31, 2022, to settle the differential amount. The corresponding Statement of Premium Account is also automatically available in the ERPS.
How much is the minimum contribution for PhilHealth in 2023?
Following the increase in contributions for 2022, the minimum premium for PhilHealth in 2022 would be Php 400 for those earning Php 10,000. When divided equally between the employer and the employee, the minimum contribution for an employee earning a fixed monthly basic salary is Php 200.
What is the maximum contribution for PhilHealth in 2022?
As previously mentioned, the income ceiling for PhilHealth contributions remains at Php 80,000. But with the new contribution rate, the maximum premium for 2022 is now Php 3,200. Furthermore, this means an equal share of Php 1,600 between the employer and the employee.
How can PhilHealth members check their total contributions?
Members can check their total PhilHealth monthly payment contributions and breakdown on PhilHealth’s official website by following these steps:
- Go to PhilHealth’s official website and click on the ‘Online Services’ section.
- Click the ‘Member Portal’ section to either sign in or register.
- For signing in, you will need your PhilHealth number and password. Alternatively, signing up would require your PhilHealth number, a new password, and answer a security question.
- Once you are in the member portal, you can click the ‘Premium Contributions’ to see the updated summary of your monthly premium and paid periods.
Under RA 11223, also known as the Universal Health Care Act, all Filipinos are PhilHealth beneficiaries. But what benefits does PhilHealth provide?
PhilHealth members that are hospitalized can have a portion of their bill shouldered by PhilHealth, provided that the health care institution (HCI) is a partner of the agency. The covered amount includes hospital rates and the attending physician’s professional fee. Lastly, PhilHealth can only reimburse admitted cases under inpatient benefits.
PhilHealth also offers financial assistance to patients who do not need hospital admission. The agency can cover the cost of day surgeries, radiotherapy, hemodialysis, and outpatient blood transfusion. The case rate for the sessions varies and is also inclusive of hospital charges and the physician’s fees.
The ‘Z Benefit’ package covers illnesses that cause long hospitalization and costly treatments. As such, PhilHealth can cover a portion of the cost of treatment for diseases like leukemia, breast cancer, prostate cancer, kidney transplants, heart surgery, and cervical cancer.
SDG Related Benefits
SDG benefits of Sustainable Development Goals benefits provide an assistance package for malaria, HIV-AIDS, tuberculosis, surgical contraception, and animal bite.
Legal basis of PhilHealth
The National Health Insurance Program (NHIP) is a mandatory government health insurance program that aims to provide universal healthcare for all Filipinos. Furthermore, it also aims to make healthcare services affordable and accessible for everyone. PhilHealth was created by the Republic Act (RA) 7875 and amended by the succeeding RA 9241 and RA 10606.
Simplify PhilHealth contribution calculations with eezi
Enroll employees in eezi’s payroll software and compute PhilHealth contributions in a few clicks. Learn more on how to configure your payroll system for PhilHealth contributions.