GSIS Introduction
GSIS is the Government Service Insurance System, a social insurance institution that provides life insurance, retirement, and other benefits to all government employees in the Philippines. GSIS serves as the counterpart of SSS (Social Security System) for the public sector, covering over 1.5 million active government workers and pensioners.
What is GSIS?
- GSIS stands for Government Service Insurance System
- GSIS was established under Commonwealth Act No. 186 in 1936 and reorganized under Republic Act No. 8291 (GSIS Act of 1997)
- GSIS provides social security and insurance benefits to all government employees in the Philippines
- GSIS coverage is mandatory for all government employees receiving fixed monthly compensation
- GSIS administers life insurance, retirement, disability, and survivorship benefits
- GSIS also offers loan programs such as policy loans and emergency loans to active members
- GSIS is governed by a Board of Trustees and headed by the President and General Manager
A Simple GSIS Benefits Overview
Example
Step 1: Get appointed to a government position
Step 2: Automatic GSIS membership and monthly premium deductions
Step 3: Access loan programs while in active service
Step 4: Build up service credits over your career
Step 5: Claim retirement, life insurance, or other benefitsExample Explained
Step 1: Once you are appointed to a government position (national or local government, GOCCs, state universities, constitutional offices), you automatically become a GSIS member.
Step 2: Your GSIS premiums are automatically deducted from your monthly salary. Both the employee and the government employer share the premium contributions.
Step 3: As an active member with sufficient service, you can apply for GSIS loans such as the Consolidated Loan (Policy Loan) or Emergency Loan to help with financial needs.
Step 4: For every month you are employed in government, you earn service credits that count toward your retirement and other benefits.
Step 5: Upon retirement, separation, disability, or death, you or your beneficiaries can claim the corresponding GSIS benefits based on your accumulated service and contributions.
GSIS Services Overview
Membership & Registration
Automatic membership for all government employees. Register online, activate your GSIS account, and manage your membership details through the GSIS portal.
Loan Programs
Access financial assistance through the Consolidated Loan (Policy Loan), Emergency Loan, and other special loan programs offered exclusively to GSIS members.
Retirement Benefits
Receive monthly pension or lump sum benefits upon retirement from government service. Options vary based on years of service and age at retirement.
Insurance & Survivorship
Life insurance coverage, disability benefits, and survivorship benefits for beneficiaries in case of death or permanent disability of the GSIS member.
GSIS Contribution Rates
| Contribution Type | Employee Share | Employer Share | Total |
|---|---|---|---|
| Life Insurance Premium | 2% of monthly compensation | Included in employer share | Varies |
| Retirement/Social Insurance | 9% of monthly compensation | 12% of monthly compensation | 21% |
| ECC (Employees' Compensation) | None | 1% of monthly compensation | 1% |
Note: Contribution rates are based on the member's basic monthly compensation. The maximum insurable compensation for GSIS purposes is subject to the current salary cap set by the GSIS Board. Premium deductions are automatically processed through your agency's payroll system.
Important Reminders
- GSIS membership is mandatory for all government employees receiving fixed monthly compensation
- GSIS is separate from SSS — government employees are covered by GSIS, private sector employees are covered by SSS
- Premium contributions are automatically deducted from your salary and remitted by your agency
- Register for an online account at the GSIS eGSISMO portal to manage your membership, apply for loans, and check your records
- Keep your GSIS records updated — especially your beneficiaries, contact information, and civil status
Disclaimer
This guide is provided for general informational purposes only. The requirements, steps, fees, and procedures mentioned here may vary depending on the GSIS you visit. We recommend visiting your nearest GSIS first to confirm the specific requirements and process before preparing your documents.