Like SSS and PAG-IBIG deductions, Philhealth contributions are also deducted from the pay of employees every month. Philhealth aims to be a partner to its members during sickness by providing inpatient and outpatient benefits, which is done by shouldering a portion of an employee’s hospitalization bills or by covering the costs of certain medical procedures.
Philhealth Benefits
Some of the outpatient benefits provided by Philhealth are blood transfusions, radiotherapy, and hemodialysis. Certain diagnostic examinations and selected medicines are also covered by Philhealth.
Computation of Philhealth Contributions
Philhealth contribution is computed at 2.5% of an individual’s salary rate, with the maximum salary rate pegged at P35,000.00. This means that individuals who receive a salary of more than P35,000.00 will still be deducted 2.5% of P35,000.00 every payday for their Philhealth contribution, or the amount of P875.00.
It is important to note, though, that this is not the actual amount that employees pay because half of the contribution is shouldered by the employer. Meaning, individuals receiving P35,000.00 monthly salary are only deducted P437.5 from their pay—the other P437.5 is shouldered by the employer.
Meanwhile, for employees who receive a salary of P5,000 or lower every month, the employers must shoulder the employees’ full Philhealth contribution.
Philhealth Contribution Table
Below is the complete contribution table for Philhealth employees and employers:
Credits
Philhealth Contributions for OFWs, Self-Employed, and Individual Paying Members
For Philhealth members with no employers, the following are the required contributions:
OFWs: P2,400 annual or P1,200 six-month contribution
Self-Employed & individual paying members:
- P2,400 annual contribution - for those with a monthly income of P25,000 or lower
- P3,600 annual contribution - for those with a monthly income of higher than P25,000