When PHILHEALTH released the news that they are going to increase the premium rate contribution to 2,400/year, most OFW’s raised the eyebrow and questioned its technicalities.

Do OFW’s really need PHILHEALTH? Why do OFW’s need to pay a compulsory contribution to PHILHEALTH? – These are just a few common questions that most OFW complain about. I myself complaint when I first heard about it.

My first reaction was – It is ridiculous! Most OFW’s have their own company health insurance and you want us to pay for something we don’t even benefit from it.? NO WAY! And now, you want to increase the premium contribution of PHILHEALTH per year? That’s a BIG NO for us OFW’s.

But everything changed when my wife gave birth in Philippines. (By the way, we both are OFW’s and she just went back to Phils. to give birth). During the delivery of our 2nd baby, complications happened and right away she was Caesarean Section. It was totally unplanned CS delivery and the worst part is, our budget was just enough to cover a normal delivery hence during pre-natal, everything looks normal.

Normal delivery(Private Hospitals) should have had costs us around 25k – 35k pesos only. But for C-Section, it costs us around P103,000 pesos just for 5 days in the hospital. There, I realized how lucky we are to have a PHILHEALTH Insurance. We were able to saved around P20,000 pesos for Philhealth Deductions including the Professional Fee.

PhilHealth Philippines Ceasarean Deductions

So, Do OFW’s really need PHILHEALTH? Is P2,400/year premium contribution to Philhealth is just? I would definitely say YES now.

In my case,  I just paid P2,400 contribution this year and yet I’ve already enjoyed the P20,000 Philhealth Benefit. Just Perfect! On the right time and in the right place.

Below is the PHILHEALTH Contribution Table.

Philhealth Premium Contribution Table

Salary Bracket Salary Range Salary Base Total Monthly Premium Employee Share Employer Share
*Employee share represents half of the total monthly premium 
while the other half is shouldered by the employer.
1 4,999.99 and below 4,000.00 100.00 50.00 50.00
2 5,000.00 – 5,999.99 5,000.00 125.00 62.50 62.50
3 6,000.00 – 6,999.99 6,000.00 150.00 75.00 75.00
4 7,000.00 – 7,999.99 7,000.00 175.00 87.50 87.50
5 8,000.00 – 8,999.99 8,000.00 200.00 100.00 100.00
6 9,000.00 – 9,999.99 9,000.00 225.00 112.50 112.50
7 10,000.00 – 10,999.99 10,000.00 250.00 125.00 125.00
8 11,000.00 – 11,999.99 11,000.00 275.00 137.50 137.50
9 12,000.00 – 12,999.99 12,000.00 300.00 150.00 150.00
10 13,000.00 – 13,999.99 13,000.00 325.00 162.50 162.50
11 14,000.00 – 14,999.99 14,000.00 350.00 175.00 175.00
12 15,000.00 – 15,999.99 15,000.00 375.00 187.50 187.50
13 16,000.00 – 16,999.99 16,000.00 400.00 200.00 200.00
14 17,000.00 – 17,999.99 17,000.00 425.00 212.50 212.50
15 18,000.00 – 18,999.99 18,000.00 450.00 225.00 225.00
16 19,000.00 – 19,999.99 19,000.00 475.00 237.50 237.50
17 20,000.00 – 20,999.99 20,000.00 500.00 250.00 250.00
18 21,000.00 – 21,999.99 21,000.00 525.00 262.50 262.50
19 22,000.00 – 22,999.99 22,000.00 550.00 275.00 275.00
20 23,000.00 – 23,999.99 23,000.00 575.00 287.50 287.50
21 24,000.00 – 24,999.99 24,000.00 600.00 300.00 300.00
22 25,000.00 – 25,999.99 25,000.00 625.00 312.50 312.50
23 26,000.00 – 26,999.99 26,000.00 650.00 325.00 325.00
24 27,000.00 – 27,999.99 27,000.00 675.00 337.50 337.50
25 28,000.00 – 28,999.99 28,000.00 700.00 350.00 350.00
26 29,000.00 – 29,999.99 29,000.00 725.00 362.50 362.50
27 30,000.00 and up 30,000.00 750.00 375.00 375.00

You may also download the Philhealth Forms here.

In case you have futher inquires about PHILHEALTH Philippines, you may contact the following PHILHEALTH Number or visit the PHILHEALTH Website.