Philhealth also released memorandums for the new Philhealth Contribution Table 2015. Effective January 2014, the premiums for employed members, OFWs, self-employed or individually paying member and those members under the Sponsored program registered in the Philippine Health Insurance Corporation will be based on the list below. This applies for 2015 as well.
It is so important for all members and their dependents and beneficiaries to know the latest and updated premiums because it’ll all benefit them.
The main reason for the increase of premium contributions for employed individuals concerns about implementing benefits and due to uproar against increase by other government fees like taxes, tolls, fees, social security contributions and the like.
Philhealth Contribution Table 2014 – 2015 for Employed Members
The table below applies to the employed category membership of the NHIP. According to the memo from Philhealth,
members shall be entitled to in-patient hospital care including all case rate packages and catastrophic illness in the Case Type Z Benefit Package, out-patient coverage and othe special benefit package under the National Health Insurance Program (NHIP).”
Philhealth Contribution Table 2014 – 2015 for OFW
New premium contributions of P2,400/year applies to OFW or those under the OWP (Overseas Workers Program) applicable to Landbased OFWs, either documented or undocumented.
Members under this category can pay either P2,400 for the annual contributions or P1,200 for the 6 months contributions.
Philhealth Contribution Table for Self-employed, Individually Paying Member
- With monthly income of P25,000 and below – P2,400/year
- With monthly income above P25,000 – P3,600/year
All members under this category can pay quarterly, semi-annually or annually.
Philhealth Contribution Table 2014 – 2015 for the Sponsored Program Members
Sponsored members whose premium contributions are fully or partially subsidized by their sponsors such as LGUs, Private Entities, Legislators, and National Government Agencies are under this category.
- Annual premium of P2,400 is also applied to these type of members.
According to Philhealth, all sponsored members and their beneficiaries
shall be entitled to identified in-patient hospital care (including the Z Benefit Package), out-patient care services, and other health care services provided by accredited health care centers and providers. They shall also be entitled to the No balance Billing (NBB) Policy for health care services provided by accredited government health facilities in a non-private accommodation. Likewise, they shall also be entitled to the Primary Care Benefit 1 (PCB1) Package to be provided by their accredited Primary Care Benefit Provided where they are assigned and enlisted.”
Those health benefits sound so helpful. Health is wealth. Remember that in order to be eligible to benefits, we must always pay our premiums and avoid missing a month or months of unpaid contributions. Philhealth always require active membership and payment of premiums in availing benefits. It is always important to know our benefits and the requirements even if we are not availing them.
I hope though these premium requirements will not increase next year. They are too close to those private health insurance providers. Nonetheless, they must also increase health benefits packages and coverage.