The rate will increase by increments of 0.

5% every year until it caps off at 5% (the

maximum limit allowed by the law) in 2025.

Hence, from 3% in 2020, expect the rate to increase to 3.5% of the member’s monthly
income in 2021; 4% in 2022; 4.5% in 2023; and 5% in 2024 and 2025.

1.
Update: The scheduled premium hike has been suspended following PhilHealth’s
official announcement on January 5, 2021 that there’s an “interim arrangement” put in
place allowing the deferment of the said scheduled adjustment. PhilHealth will still stick
to the 2020 premium rate of 3% instead of 3.5% until Congress is able to pass a law to
make the suspension permanent. Otherwise, it will proceed with the scheduled
premium rate as shown in the table below.

Monthly Basic Salary Total Monthly Contribution Employee Share Employer Share

Php 10,000 and below Php 350 Php 175 Php 175

Php 10,000.01 to Php 69,999.99 Php 350 to Php 2,449.99 Php 175 to Php 1,224.99 Php 175 to Php 1,224.99
Monthly Basic Salary Total Monthly Contribution Employee Share Employer Share

Php 70,000 and above Php 2,450 Php 1,225 Php 1,225

As part of the full implementation of the Universal Health Care (UHC) Law, the monthly
PhilHealth contribution rate for employed members will increase from 3% of the
monthly basic salary in 2020 to 3.50% in 20211 starting January 2021. 

The monthly premium will continue to be shared equally between the employee and the
employer.

The monthly contribution for employees earning Php 10,000 and below is fixed at Php
350. Meanwhile, those earning Php 70,000 and above have a fixed monthly contribution
of Php 2,450.

Take note that the salary ceiling of Php 70,000 in 2021 will continue to increase by an
increment of Php 10,000 a year until it reaches Php 100,000 in 2024.

For those in between, use this formula to compute your PhilHealth contribution: 

Employee or employer share = (Monthly basic salary x 0.035) / 2

Here’s a sample computation for an employee with a salary of Php 25,000:

Php 25,000 x 0.035 = Php 875 (Total monthly contribution) / 2 = Php 437.5 (Employee
or employer share)

The PhilHealth contribution of employees who are on extended leave without pay
is equivalent to that of voluntary or individually paying members.

2. PhilHealth contribution table in 2021 for voluntary/self-employed or direct

contributors.
Update: The scheduled premium hike has been suspended following PhilHealth’s
official announcement on January 5, 2021 that there’s an “interim arrangement” put in
place allowing the deferment of the said scheduled adjustment. PhilHealth will still stick
to the 2020 premium rate of 3% instead of 3.5% until Congress is able to pass a law to
make the suspension permanent. Otherwise, it will proceed with the scheduled
premium rate as shown in the table below.

Monthly Income Total Monthly Contribution

Php 10,000 and below Php 350

 Monthly Income Total Monthly Contribution

Php 10,000.01 to Php 69,999.99 Php 350 to Php 2,449.99

Php 70,000 and above Php 2,450

Just like those in the previous category, voluntary/self-employed members will also follow the
new PhilHealth premium rate. Unlike salaried employees, however, they don’t have employers
who will shoulder half of their monthly premium.
Therefore, members in this category will remit the full 3.50% of their declared
monthly income to PhilHealth. For example, a voluntary member who earns Php
35,000 a month will pay a monthly premium of Php 1,225 (Php 35,000 x 0.035).

The current income floor and income ceiling for voluntary members are also fixed at
Php 10,000 and Php 70,000, respectively. This means that those who have a declared
monthly income of Php 10,000 and below will pay a fixed monthly premium of Php 350
while those who earn Php 70,000 and above a month will pay the same monthly
premium of Php 2,450.

This income ceiling will likewise increase by Php 10,000 every year until it reaches Php
100,000 in 2024/2025.

The premium can be paid monthly or quarterly by the member.

In order for PhilHealth to come up with an accurate computation, they may require
members to submit financial records like a duly-notarized affidavit of income declaration
or the latest income tax return received by the Bureau of Internal Revenue.

Otherwise, their contributions will be based on the highest computed rate.

3. PhilHealth contribution table in 2021 for land-based migrant workers and OFWs.
Update: The scheduled premium hike has been suspended following PhilHealth’s
official announcement on January 5, 2021 that there’s an “interim arrangement” put in
place allowing the deferment of the said scheduled adjustment. PhilHealth will still stick
to the 2020 premium rate of 3% instead of 3.5% until Congress is able to pass a law to
make the suspension permanent. Otherwise, it will proceed with the scheduled
premium rate as shown in the table below.

Monthly Basic Salary (in Philippine pesos) Total Annual Contribution (Monthly premium x 12)

Php 10,000 and below Php 4,200

Php 10,000.01 to Php 69,999.99 Php 4,200 to Php 29,399.99

Monthly Basic Salary (in Philippine pesos) Total Annual Contribution (Monthly premium x 12)

Php 70,000 and above Php 29,400

Land-based OFWs are also affected by the recent contribution hike and their
premiums will be computed straight based on their monthly earnings (see table
above).

For 2021, the premium rate of 3.50% will be followed. The computation only applies to
Philippine pesos so you first need to convert your monthly salary based on the current
exchange rate before you proceed.

For example, if you earn $500 a month and convert it to Philippine pesos based on the
exchange rate that exists as of this writing ($1 = Php 48.06), you’ll have a monthly basic
salary of Php 24,030.

Since the 2021 premium rate is 3.5%, your monthly PhilHealth premium based on your salary is
Php 841.05 (Php 24,030 x 0.035). Multiply your monthly premium by 12 and you have total
annual contributions of Php 10,092.06.
You don’t have to pay this in full. Instead, you can shell out the required initial payment
of Php 2,400 before leaving the country and pay the remaining balance in full after 6
months or by installment in the next two quarters.

To ensure accurate computation, PhilHealth may require land-based OFWs to present

their overseas employment contract as proof of income. Otherwise, their premiums will
be automatically based on the highest computed rate.

Due to public outrage, however, President Rodrigo Duterte temporarily suspended the
collection of higher Philhealth premiums from overseas Filipino workers at the height of
the 2020 pandemic2. In a subsequent advisory released by Philhealth (Advisory No.
2020 – 037)3, it was announced that the payment of PhilHealth premiums of OFWs shall
be voluntary for the duration of the pandemic.

Take note that the voluntary payment of OFW premiums is only valid during the
duration of a national health emergency4. Once things go back to normal, expect
PhilHealth to declare the payment of premiums as mandatory for all land-based OFWs.

Land-based migrant workers may see this as a burden but PhilHealth assures them that
the increase in contributions is intended to “guarantee fund sustainability and to
effectively implement the Universal Health Care (UHC)”5.

Seafarers have a different contribution rate and table, which is similar to

employed members (see Table 1 above). The seafarers’ share of contribution is
deducted from their monthly salary, and their manning agencies shoulder the employer
share. 

4. PhilHealth contribution table in 2021 for   kasambahays .

 Update: The scheduled premium hike has been suspended following PhilHealth’s
official announcement on January 5, 2021 that there’s an “interim arrangement” put in
place allowing the deferment of the said scheduled adjustment. PhilHealth will still stick
to the 2020 premium rate of 3% instead of 3.5% until Congress is able to pass a law to
make the suspension permanent. Otherwise, it will proceed with the scheduled
premium rate as shown in the table below.

Monthly Basic Salary Total Monthly Contribution Kasambahay Share Employer Share

Php 5,000 and below Php 350 None Php 350

Php 5,001 to Php 10,000 Php 350 Php 175 Php 175

Php 10,000.01 to Php 39,999.99 Php 350 to Php 1,399.99 Php 175 to Php 699.99 Php 175 to Php 699.99

Kasambahays have the same PhilHealth contribution rate (3.5% in 2021) and

computation with formally employed members. For household workers receiving a
monthly salary of Php 5,000 (and below), their employers are required to pay their total
monthly contribution in full to PhilHealth. However, kasambahays earning more than
Php 5,000 should share half of their total monthly contribution payment.

5. PhilHealth contribution table for foreigners.

Types of Foreign Members Quarterly Contribution Semi-annual Contribution Annual Contribution

Foreign retirees Php 3,750 Php 7,500 Php 15,000

Other foreigners Php 4,250 Php 8,500 Php 17,000

Foreigners pay the highest contribution amount among all PhilHealth

membership types.

Retirees in the Philippines pay Php 15,000 per year, while expats, exchange students,
and other foreigners pay Php 17,000. Alternatively, they may remit their contributions
every quarter or twice a year.

6. PhilHealth contribution for Filipinos with dual citizenship.

Dual citizens are also encouraged to pay their contribution every year based on the
2021 PhilHealth premium rate (3.50%)
They can make advanced payments for up to two consecutive years only. The
contributions can be remitted to any PhilHealth office or any PhilHealth-accredited
collecting agent here or abroad. 

Dual citizens refer to those who have retained and re-acquired their Filipino citizenship
by virtue of the Citizenship Retention and Re-acquisition Act of 2003 (Republic Act
9225).

Under the National Health Insurance Act of 2013 (R.A. 7875, as amended by R.A.
10606), Filipinos with dual citizenship can now register with PhilHealth so they can avail
of its benefits. For a list of membership requirements, click here.

Tips and Warnings.

1.  PhilHealth members shall incur interests/penalties for missed payments.
Starting January 2020, PhilHealth members who are lacking contributions will now be
billed for their unpaid monthly premiums with interests (compounded monthly).

Employers, kasambahays, and sea-based OFWs shall incur interest of at least 3%

for every month of missed payment.
Meanwhile, land-based migrant workers/OFWs, professional practitioners, and
voluntary/self-earning members will be charged a maximum interest of 1.5% for
every month of the missed payment. 

2. Higher Philhealth contribution means more added benefits.

The increased monthly premium is in line with the full implementation of the Universal
Health Care (UHC) Law which will begin in January 2020.

Under this law, members will have access to preventive, primitive, curative,
rehabilitative, and palliative care. In addition to these, they will also get outpatient
benefits including drug and emergency services.

The additional benefits will also cover mental, medical, and dental services, among
others.

3. The benefits of non-paying PhilHealth members will not be funded by regular

paying members.
These non-paying members who are exempt from paying Philhealth contributions
include the senior citizens and the indirect contributors or the sponsored
members/indigents.Their benefits will be funded from the sin tax and the government’s
shares from the Philippine Amusement and Gaming Corporation (PAGCOR) and
the Philippine Charity Sweepstakes Office (PCSO).