PhilHealth Contributions: How to Pay Contributions
Paying your PhilHealth contributions is essential to maintain your health insurance coverage. This comprehensive guide covers all payment methods, premium rates, and payment schedules for different member categories.
💡 Key Information
- Premium rate: 5% of monthly basic salary for 2025 and 2026 (PhilHealth Advisory PA2025-0002).
- Salary floor: ₱10,000/month. Salary ceiling: ₱100,000/month.
- Monthly premium range: ₱500 minimum to ₱5,000 maximum.
- Payment frequency: monthly (employed), or monthly/quarterly/semi-annual/annual (self-employed, voluntary, OFW).
- Benefit eligibility depends on your category: Employed members need 3 monthly contributions within the last 6 months. Self-paying / voluntary / OFW members need 9 monthly contributions within the last 12 months.
2026 Premium Rate Table
| Monthly Basic Salary | Premium (5%) | Employee Share (2.5%) | Employer Share (2.5%) |
|---|---|---|---|
| ₱10,000 and below | ₱500 | ₱250 | ₱250 |
| ₱20,000 | ₱1,000 | ₱500 | ₱500 |
| ₱30,000 | ₱1,500 | ₱750 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 | ₱1,250 |
| ₱70,000 | ₱3,500 | ₱1,750 | ₱1,750 |
| ₱100,000 and above | ₱5,000 (max) | ₱2,500 | ₱2,500 |
Who Pays What?
👔 Employed Members
- Employee: 2.5% of monthly basic salary
- Employer: 2.5% of monthly basic salary
- Payment: Automatic payroll deduction
- Frequency: Monthly
- Who remits: Employer to PhilHealth
💼 Self-Employed/Voluntary
- Member: Full 5% premium
- Minimum: ₱500/month or ₱1,500/quarter
- Maximum: ₱5,000/month or ₱15,000/quarter
- Payment: Self-payment
- Frequency: Quarterly
🇵🇭 OFWs (Overseas Workers)
- Rate: 5% of declared monthly income, same floor and ceiling as voluntary members
- Minimum: ₱500/month · Maximum: ₱5,000/month
- Sea-based OFWs: mandatory contributors (withheld by manning agency)
- Land-based OFWs: voluntary per Supreme Court ruling; encouraged to enroll to maintain continuous coverage
- Payment frequency: monthly, quarterly, semi-annual, or annual
🏠 Kasambahay (Domestic Workers)
- Premium: ₱500/month
- Kasambahay: ₱250 (2.5%)
- Employer: ₱250 (2.5%)
- Payment: Quarterly (₱1,500)
Payment Methods
Method 1: Online Payment Portal (Recommended)
The easiest way to pay for self-employed and voluntary members
- Visit PhilHealth online payment portal: payments.philhealth.gov.ph
- Click "Pay Contribution"
- Select member type: Self-Employed or Voluntary
- Enter your PhilHealth Number (PIN)
- Verify your personal information
- Select payment period (quarterly)
- Choose payment amount (₱1,500 minimum for 1 quarter)
- Select payment method:
- Credit/Debit Card (Visa, Mastercard)
- Online Banking (BPI, BDO, UnionBank, etc.)
- E-Wallets (GCash, PayMaya)
- Complete payment
- Save Official Receipt (OR) and reference number
✓ Advantages: 24/7 availability, instant posting, no queuing, digital receipt
Method 2: Banks (Over-the-Counter)
Pay at any of these accredited banks
Steps:
- Get PhilHealth Contribution Payment Form (PMRF) or ask teller
- Fill out form with your PhilHealth Number (PIN)
- Indicate payment period and amount
- Submit form with payment to teller
- Keep Official Receipt (OR)
Note: Some banks charge a minimal service fee (₱10-20)
Method 3: Payment Centers
Convenient payment at retail locations
Steps:
- Go to any payment center
- Tell staff you're paying PhilHealth contribution
- Provide your PhilHealth Number (PIN)
- Provide payment amount
- Pay in cash
- Get and keep Official Receipt
Service Fee: ₱5-15 depending on location
Method 4: GCash/PayMaya (E-Wallets)
Pay using your mobile wallet
Steps (GCash):
- Open GCash app and login
- Tap "Bills"
- Search for "PhilHealth"
- Enter your PhilHealth Number (PIN)
- Select payment period and amount
- Review details and confirm
- Enter MPIN to complete payment
- Save digital receipt
Steps (PayMaya/Maya):
- Open Maya app and login
- Tap "Pay Bills"
- Select "PhilHealth"
- Enter PhilHealth Number and details
- Choose amount and complete payment
✓ Advantages: No service fee, instant, mobile-friendly
Method 5: PhilHealth Office (Over-the-Counter)
Pay directly at any PhilHealth branch
- Go to nearest PhilHealth branch
- Get queue number for "Payments"
- Prepare PhilHealth ID or PIN
- When called, inform staff of payment
- Pay contribution (cash or check)
- Receive Official Receipt (OR)
Note: May have long queues during peak hours. Best to go early morning.
Payment Schedule & Deadlines
| Member Type | Payment Period | Coverage Period | Deadline |
|---|---|---|---|
| Employed | Monthly | Current month | By employer monthly |
| Self-Employed/Voluntary | Q1 (Jan-Mar) | January - March | March 31 |
| Q2 (Apr-Jun) | April - June | June 30 | |
| Q3 (Jul-Sep) | July - September | September 30 | |
| Q4 (Oct-Dec) | October - December | December 31 | |
| OFWs (sea-based, mandatory) | Monthly / quarterly / annual | Matches paid period | Withheld by manning agency |
| OFWs (land-based, voluntary) | Same options as voluntary | Matches paid period | End of chosen period |
| Kasambahay | Quarterly | 3 months | End of quarter |
Complete Example: Quarterly Payment
Scenario: Rosa Fernandez, freelance graphic designer, paying Q1 2026 contributionBackground:- 32 years old, self-employed - PhilHealth Number: 12-345678901-2 - Average monthly income: ₱25,000 - Payment period: Q1 2026 (January-March)Step 1: Compute Contribution (January 15, 2026)Monthly income: ₱25,000 Premium rate: 5% of income Monthly premium: ₱25,000 × 5% = ₱1,250 Quarterly payment (3 months): ₱1,250 × 3 = ₱3,750Step 2: Choose Payment MethodRosa chose GCash (convenient, no fee)Step 3: Pay via GCash (January 15, 2026)• Opened GCash app • Tapped "Bills" → Searched "PhilHealth" • Selected "PhilHealth Contribution" • Entered PIN: 12-345678901-2 • Name auto-filled: ROSA MARIA FERNANDEZ • Selected payment period: Q1 2026 (Jan-Mar) • Entered amount: ₱3,750 • Reviewed details • Entered MPIN to confirm • Payment successful!Step 4: Save ReceiptGCash displayed transaction details: - Transaction ID: GC260115123456789 - Amount paid: ₱3,750.00 - Payment for: Q1 2026 (Jan-Mar) - Date: January 15, 2026, 10:23 AM - Status: Successful Rosa took screenshot and saved PDF receiptStep 5: Verify Payment (January 17, 2026)2 days later, Rosa checked PhilHealth portal: • Logged in to her account • Checked "Contribution Records" • Q1 2026 payment posted: ✓ PAID • Coverage: January 1 to March 31, 2026Rosa's Summary:✓ Paid ₱3,750 for 3 months coverage ✓ No service fee with GCash ✓ Payment posted within 2 days ✓ Coverage effective immediately ✓ Can use PhilHealth benefitsTotal Paid: ₱3,750Coverage: January 1 - March 31, 2026 (Q1 2026)Payment Method: GCash (instant, no fee)Frequently Asked Questions
Can I pay for multiple quarters at once?
Yes! You can pay in advance for multiple quarters. For example, you can pay ₱6,000 for 4 quarters (1 year) if your monthly premium is ₱500. This is convenient and ensures continuous coverage.
What happens if I miss the quarterly deadline?
You can still pay late contributions, but there will be a gap in coverage. PhilHealth does not charge penalties for late payment, but you won't be able to use benefits for periods not paid.
How do I check if my payment was posted?
Login to the PhilHealth member portal or call the PhilHealth hotline with your PIN. Payments typically post within 1-3 business days for online payments, or 5-7 days for over-the-counter payments.
Can I change my premium amount?
Yes, self-employed and voluntary members can choose any amount between the minimum (₱500/month) and maximum (₱5,000/month). Higher contributions may entitle you to higher benefits for certain packages.
What if I'm both employed and self-employed?
If you have a full-time employer, your contributions should be paid through them. If you have additional self-employment income, you may optionally pay additional voluntary contributions to increase your coverage.
Do I get a refund if I don't use PhilHealth benefits?
No, PhilHealth contributions are not refundable. It's insurance coverage - you pay premiums to have protection in case you need medical care. Think of it as health insurance, not a savings account.
Are my dependents covered by my contributions?
Yes! Your legal spouse and legitimate, legitimated, legally adopted or acknowledged dependent children below 21 years old (or up to 25 if full-time students) are automatically covered by your contributions.
Do I need to pay if I'm unemployed?
You should register as a voluntary member and continue paying to maintain coverage. However, if you're indigent or financially unable, you may qualify for sponsored membership through your local government unit (LGU).
Important Reminders
- Eligibility rule (read carefully): Employed members need 3 monthly contributions within the last 6 months. Self-paying / voluntary / OFW members need 9 monthly contributions within the last 12 months. These are the two different rules under PhilHealth Circular 2020-0009 — the one that applies depends on your category.
- Keep receipts: Always save your Official Receipts (OR) as proof of payment
- Verify posting: Check online if your payment was posted within 1 week
- Pay on time: Avoid gaps in coverage by paying quarterly contributions before deadlines
- Update information: Inform PhilHealth of any changes in address, employment, or civil status
- Dependents automatic: Your spouse and children are automatically covered - no additional payment needed
- Lifetime membership: You qualify as a Lifetime Member after paying at least 120 monthly contributions AND reaching age 60 (retired). Lifetime members pay no further premiums for the rest of their lives.
Need Help?
Contact PhilHealth
- Action Center: (02) 8866-225-88 (24/7)
- Smart mobile: 0998-857-2957 / 0968-865-4670
- Globe mobile: 0917-127-5987 / 0917-110-9812
- Email: actioncenter@philhealth.gov.ph
- Member Portal: memberinquiry.philhealth.gov.ph
- Website: www.philhealth.gov.ph
Legacy (02) 8441-7442 still answers for self-help; agent assistance has moved to the Action Center number above.
Sources
- PhilHealth Advisory PA2025-0002 — 5% premium rate, ₱10,000 floor / ₱100,000 ceiling for 2025–2026 (philhealth.gov.ph/advisories/2025/PA2025-0002.pdf).
- PhilHealth Employer Contribution Table v2 (ContributionTable_v2.pdf).
- PhilHealth — Continuing membership (self-employed and voluntary contributors): philhealth.gov.ph/members/formal/continuing.php.
- PhilHealth Circular 2020-0009 — eligibility rules for direct vs. indirect contributors.
- Republic Act No. 11223 — Universal Health Care Act (2019).
- Online Payment Portal: payments.philhealth.gov.ph.
Disclaimer
This guide is provided for general informational purposes only. The requirements, steps, fees, and procedures mentioned here may vary depending on the PhilHealth you visit. We recommend visiting your nearest PhilHealth first to confirm the specific requirements and process before preparing your documents.