PhilHealth Philippines
Everything you need to know about your PhilHealth contribution — free calculator, complete premium table, and plain-language guides to your healthcare benefits and coverage.
Last updated: July 2026 · Philippine Health Insurance Corporation · PhilHealth Circular No. 2019-0009 · RA 11223
What is PhilHealth?
The Philippine Health Insurance Corporation (PhilHealth) is the government agency that administers the National Health Insurance Program. Every private sector employee, government worker, and self-employed Filipino is required to contribute monthly premiums. In exchange, PhilHealth covers a significant portion of hospital bills, surgical procedures, maternity care, and outpatient consultations — reducing out-of-pocket healthcare costs for members and their dependents.
For employed members, the contribution is split equally between employee and employer — you pay 2.5% of your monthly basic salary and your employer matches it with another 2.5%. Your PhilHealth deduction appears on your payslip every month. The total 5% premium goes into the National Health Insurance Fund, which pays for your benefits when you need them. Coverage extends to your legal spouse, children under 21, and parents over 60 — registered as dependents on your PhilHealth record.
PhilHealth Key Rates
| Concept | Value | Source |
|---|---|---|
| Total premium rate | 5% | PhilHealth Circular 2019-0009 |
| Employee share | 2.5% | RA 11223 |
| Employer share | 2.5% | RA 11223 |
| Income floor | ₱10,000 | PhilHealth Circular 2019-0009 |
| Income ceiling | ₱100,000 | PhilHealth Circular 2019-0009 |
| Min monthly deduction (employee) | ₱250 | PhilHealth Circular 2019-0009 |
| Max monthly deduction (employee) | ₱2,500 | PhilHealth Circular 2019-0009 |
What You’ll Find in This Section
- PhilHealth Contribution Calculator — Compute your exact monthly PhilHealth premium by salary
- PhilHealth Contribution Table — Complete premium table for all salary brackets
- How PhilHealth Works Philippines — Plain-language guide to benefits, coverage and dependents
Also in Philippines:
📋 Rates verified — Official sources: philhealth.gov.ph · PhilHealth Circular No. 2019-0009 · RA 11223 (Universal Health Care Act)
⚠️ This is general information, not financial, tax, or legal advice. KnowMyGovt is an independent service — not affiliated with or endorsed by the SSS, PhilHealth, Pag-IBIG, the BIR, DOLE, or the Philippine government — and is not liable for decisions made in reliance on it.
