All you need to know about PhilHealth Voluntary Member.
PhilHealth is the government arm responsible for providing Filipinos with medical assistance and health benefits. For employed PhilHealth members, their company’s HR department handles the application requirements and process, as well as contribution payments.
For the unemployed and members of the informal economy, application and membership contributions are done by the member under PhilHealth voluntary membership.
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What is PhilHealth Voluntary Membership?
PhilHealth voluntary membership refers to the privilege extended to individuals who are not formally employed by a registered company or by an employer in the Philippines.
Unlike employed individuals who get automatic membership, voluntary members register and pay for their contributions on their own.
Who Can Apply as a PhilHealth Voluntary Member?
Any Filipino who doesn’t have a fixed employment term and is not a senior citizen, indigent member, or sponsored member can register as a voluntary member.
Collectively categorized as members in the informal economy, qualified voluntary PhilHealth members include the following:
- Overseas Filipino Workers / Migrant Workers
Filipinos working in other countries are eligible to apply for PhilHealth voluntary membership. These can be documented and undocumented OFWs who are not citizens in their current location.
- Informal Sector
These are self-earning individuals who produce or deliver goods and services. They have casual employment and don't engage in formal or contractual employment agreements.
Examples of PhilHealth members in the informal sector are tricycle drivers, jeepney operators, street vendors, and small construction workers. Those managing and working for home-based industries also belong to this category. Household helpers (kasambahay) and family drivers are excluded since their employers are mandated to register and enlist them as employees.
- Self-Earning Individuals
These are individuals who provide goods and services outside of employee-employer agreements. Examples are entrepreneurs, professional athletes, news correspondents, freelancers, and other professionals. They are not hired for work or do not hire someone under any formal employment agreements.
- Dual Citizens
These are Filipinos who hold two citizenships or who are also a citizen of another country while maintaining their Filipino citizenship.
- Naturalized Filipino Citizens
These are foreign individuals who have become Filipino citizens through naturalization made possible by the Commonwealth Act No. 473 or the Revised Naturalization Law.
These are foreign individuals who currently live in the Philippines to work. They are required to have a valid working visa or an Alien Certificate of Registration.
Who are PhilHealth Qualified Dependents of Voluntary Members?
PhilHealth for unemployed and individually paying individuals can extend their benefits to their qualified dependents at no additional cost.
These are the qualified dependents:
- Legitimate spouse who is not a PhilHealth member - If the wife is a voluntary contributor, the husband automatically qualifies to enjoy the same privilege and coverage as his wife.
- Children - All unmarried and unemployed children of the voluntary member who are below 21 years old qualify as dependents. This mandate covers legitimate, illegitimate, adopted, stepchild, and step-children, as long as the birth certificate indicates the name of the voluntary member as a parent.
- Children who are 21 years old and above suffering from physical, mental, and any kind of disability that makes them dependent on the voluntary member for support.
- Children who are under voluntary member’s foster care as explained in the Foster Care Act of 2012 or Republic Act 10165.
- Parents of the voluntary member who are 60 years old and above and not enrolled as PhilHealth members. They should also not be earning a monthly income more than the amount which will be determined by PhilHealth according to the NHI Act of 2013.
- Parents of qualified members who have permanent disability regardless of their age and who shall be determined by PhilHealth should disability make them dependent for the members’ benefits.
PhilHealth Members Benefits
PhilHealth and beneficiaries have access to a comprehensive package of services, including inpatient care, catastrophic coverage, ambulatory surgeries, deliveries, and outpatient treatment for malaria and tuberculosis. Those identified as indigent and OFW are also entitled to outpatient primary care benefits (PCB1) or TSEKAP.
Inpatient care includes room and board, medicines, diagnostic and other services, professional fees and operating room services under the "all case rate" payment scheme. The case rate amount will depend upon the final diagnosis and each diagnosis has a corresponding fixed amount or package. The case rate amount shall be deducted by the HCI from the member's total bill, which shall include professional fees of attending physicians, prior to discharge. Catastrophic conditions, ambulatory surgeries including ambulatory dialysis, deliveries and outpatient malaria and TB-DOTS care.
Outpatient benefits include day surgeries, radiotherapy, dialysis, outpatient blood transfusion, TB-DOTS, malaria treatment, HIV/AIDS treatment, animal bite treatment, cataract operations and vasectomy and tubal ligation.
Except for the outpatient primary care benefits (PCB1) that the indigents and OFWs are entitled to via public providers, patients have free choice of providers, both public and private.
To learn more about this, I have a complete list of PhilHealth Inpatient and Outpatient Benefits
PhilHealth Voluntary Membership Requirements
For membership registration and dependent enrollment, PhilHealth no longer asks for supporting documents such as birth certificates or marriage contracts, as stated by PhilHealth VP Corporate Affairs Dr. Israel Francis Pargas in an interview.
A complete PhilHealth Member Registration Form (PMRF) is all you need to enroll as a voluntary member.
How to Register for Voluntary Membership in a PhilHealth Office
- Go to the nearest Local Health Insurance Office or PhilHealth Express outlet.
- Fill out two PMRF copies.
- Submit your accomplished and signed forms.
- Wait for the PhilHealth Member Data Record (MDR) and ID card to be issued to you.
- Using your PhilHealth ID number (PIN), pay your premium contribution to the cashier.
How to Register for PhilHealth Voluntary Membership Online
- Go to the PhilHealth Electronic Registration System.
- Click “PROCEED”.
- Read the Terms and Conditions, tick the small box below, and click “Accept.”
- On the online registration form, enter the required information.
- Upload your document in jpeg, pdf, gif, or png format. This step is optional.
- Enter the provided Captcha code, tick the small box below, and click “Submit Registration.”
- You’ll receive instructions via email on how to complete your PhilHealth membership application. Copy the transaction number, which serves as a reference to your registration.
Philhealth Monthly Premium Rates from 2023, 2024 and 2025
According to the Universal Health Care Act of the Philippines, Philhealth monthly premiums for direct contributors from 2023 onwards will be based on the rates of this chart. However, premiums for 2023 will remain 4%.
When do I Pay for Philhealth Contribution?
PhilHealth members (especially those Self-Earning and Voluntary Members) can choose any of the 4 payment options:
Learn more about PhilHealth Contribution Schedule and Computation.
Philhealth Contributions for OFW and Individual Paying Members
Premiums of individual-paying members (voluntary members), self-employed professionals, and land-based OFWs are computed straight based on their monthly earnings and paid in whole by the member.
For this category and to ensure accuracy in computation, PhilHealth will require submission of proof of income such as the following documents:
- Financial Books / Records
- Latest ITR (Income Tax Return) received by the Bureau of Internal Revenue
- Duly-notarized affidavit of income declaration
- Overseas Employment Contract
Failure to submit any of the document above, the contribution of the said member will be based on the highest computed rate.
How Much is PhilHealth Monthly Contribution for 2023?
Philhealth members will still follow the premium rate of 4% in accordance with the Universal Health Care law and Philhealth Circular on premium contribution schedule.
PhilHealth will now collect premiums from direct contributors using the 4% instead of the supposed increase of 4.5% contributions rate; and will follow the P80,000 instead of the P90,000 ceiling set for 2023.
ATTRACTIONS TO SEE IN MANILA
Frequently Asked Questions (FAQs) About PhilHealth
How can I check my Philhealth contribution online?
- Go to the Philhealth website.
- Log in to the Member Inquiry facility by entering your PIN and password (from the activation email.)
- Answer the security question.
- The Member Static Information page will appear.
How to update Philhealth contribution?
- Fill out Form PMRF (Philhealth Member Registration Form)
- Tick the Updating Box
- Enter personal information properly
- Send the PMRF to any Philhealth office near you
Can I continue my Philhealth contribution?
In the event of resignation or any circumstance that stopped you from paying for your Philhealth premiums, you can still resume your active membership by updating your account into individually paying member. You may do this by submitting PMRF to Philhealth before paying your premiums.
Is PhilHealth a Health Maintenance Organization (HMO)?
No. PhilHealth is a social health insurance agency. It is neither a health maintenance organization nor a private health insurance firm.
ACTIVITIES AND TOURS IN MANILA
The Philippine Health Insurance Corporation or Philhealth was created in 1995 to implement universal health coverage in the Philippines. It is a tax-exempt, government-owned and controlled corporation of the Philippines, and is attached to the Department of Health.
PhilHealth Head Office: Citystate Centre, 709 Shaw Blvd, Pasig City, Metro Manila
PhilHealth Website: philhealth.gov.ph
How to Contact PhilHealth
Callback Channel: 0917-898-7442 (PHIC)
Text "PHICcallback [space] Mobile No. or Metro Manila landline [space]
details of your concern" and we will call you during office hours, weekdays only.
(Callback requests will expire after 72 hours.)
Call Center Hotline: 84417442 (PHIC)
(Self-help only; agent assistance temporarily not available)
Email address: firstname.lastname@example.org
PhilHealth LHIO Branches
I have written a comprehensive guide on how to find the nearest PhilHealth branch near you.
You can also process your PhilHealth requests and payments from any of the PhilHealth Express Branches near you.
IMPORTANT NOTE: The rates, contact details and other information indicated in this post are accurate from the time of writing but may change without IMFWJ's notice. Should you know the updated information, please message us on Facebook.