If you’re an employee in the Philippines, There’s something important you need to know about PhilHealth contributions for employees. PhilHealth has decided to keep the contribution rate at 4% of your salary. This decision helps make things a bit easier during the pandemic.
This guide is all about what you, as an employee, need to know: how your contribution is calculated. The benefits you can get, and what rules you need to follow.
PhilHealth Contribution Rate For Employees In 2023 – 2024
The employee contribution rate to PhilHealth is set at a steady 4%. This rate applies to all formal sector employees. With the monthly premium ranging between ₱400 and ₱3,200, depending on the salary. The income ceiling for this calculation is capped at ₱80,000.
This decision to maintain the rate, as opposed to an increase, comes as a relief to many. Reflecting the government’s recognition of the ongoing economic challenges.
Calculating Your PhilHealth Contribution As An Employee
Calculating your PhilHealth contribution is straightforward. The formula involves applying the 4% rate to your basic monthly salary. For instance, an employee earning ₱25,000 a month would contribute ₱1,000 monthly, split equally between the employee and employer.
This shared contribution model underscores the joint responsibility in ensuring healthcare accessibility for all employed members.
PhilHealth Contribution Table For Employees In 2024
| Monthly Salary (₱) | Total Monthly Contribution (₱) | Employee Share (₱) | Employer Share (₱) |
| 10,000 | 400 | 200 | 200 |
| 25,000 | 1,000 | 500 | 500 |
| 50,000 | 2,000 | 1,000 | 1,000 |
| 80,000 | 3,200 | 1,600 | 1,600 |
Benefits Of PhilHealth Contributions For Employees
PhilHealth helps you pay for different kinds of health care. You can get help when you stay in the hospital or when you visit and go home the same day. It also covers emergency services. This means you can get help to stay healthy, get better if you are sick, and even get care when you are very ill.
The best part is, even though you pay the same amount, you still get all these health benefits. This helps make sure that not having a lot of money doesn’t stop you from getting the medical care you need. You can read this detailed article about Benefits of having PhilHealth Id to understand everything.
Compliance and Penalties To Follow As An Employee
Following the rules for PhilHealth contributions is very important. If you work for someone, your boss takes care of taking out the right amount of money for PhilHealth from your pay and sending it to them.
If bosses don’t do this right, They might have to pay extra money as a penalty. As you are an employee, knowing these rules helps you make sure you can use your health benefits when you need them. It also stops you from having any problems or having to pay extra money you didn’t expect.
FAQS For Employees Contribution
How to Make PhilHealth Payments as an Employee?
As an employee, your PhilHealth contributions are usually deducted from your salary by your employer. They are responsible for sending these payments to PhilHealth.
Where Can Employees Find Contribution Records?
Employees can view their contribution history through PhilHealth’s online member portal. You’ll need to create an account to access this service.
What Determines Employee Eligibility for PhilHealth Benefits?
Your eligibility for benefits depends on being an active PhilHealth member with the required number of contributions. This usually means making regular payments through your employer before you need medical services. Further read PhilHealth Eligibility and Requirements if you don’t know yet.
Keeping PhilHealth After Retirement Is It Possible for Employees?
Yes, as an employee, if you’ve met the minimum number of contributions during your working years, you can continue your PhilHealth coverage as a lifetime member after you retire.