The rules for how much money OFWs Overseas Filipino Workers need to pay for PhilHealth contributions in 2024 changed a bit. Everything is mentioned in this article easily. Let’s talk about these changes of OFWs contribution 2024. If you are an OFW or know someone who is. This will help you understand how much to pay and what you get for it.
Overview of PhilHealth Contribution For OFW 2023 – 2024
The beginning of 2024 brought an important update to the PhilHealth contributions. Particularly affecting Overseas Filipino Workers (OFWs). The adjustment, rooted in the Universal Health Care (UHC) law, saw a rise in the contribution rate from 4% to 4.5%.
This increase is part of a broader initiative to enhance the accessibility of medical services for Filipinos and to bolster the financial foundation of the Philippine Health Insurance Corporation PhilHealth as it spearheads the national health insurance program.
This rise in contributions is not just a number change. It reflects a deeper commitment to the health and well-being of Filipinos, especially those working overseas. For OFWs, understanding these changes is not just about compliance. It’s about recognizing the value of their contributions towards a more robust and inclusive healthcare system back home.
Calculation of Contributions For OFWs 2023 – 2024
The calculation of PhilHealth contributions for OFWs closely ties to their monthly earnings. Under the revised scheme, the contributions are 4% of the monthly salary. This results in a range of PHP 400 to PHP 3600 per month, depending on the individual’s earnings. Specifically, The system computes the contributions for OFWs with a monthly salary base starting at PHP 10,000 accordingly. Ensuring a fair and proportional contribution system.
This calculation method ensures that OFWs contribute an amount that reflects their earnings, thereby maintaining equity in the system. Moreover, it ensures that OFWs are not overburdened financially while also contributing their fair share to the healthcare system. See the table below to understand easily.
Easy to Understand Table Of PhilHealth Contributions For OFW 2023 – 2024
A detailed table for Philhealth’s contribution for OFWs as per the salaries.
| Monthly Basic Salary (PHP) | Total Monthly Contribution (PHP) |
| 10,000 | 400 |
| 15,000 | 600 |
| 20,000 | 800 |
| 25,000 | 1,000 |
| 30,000 | 1,200 |
| 35,000 | 1,400 |
| 40,000 | 1,600 |
| 45,000 | 1,800 |
| 50,000 | 2,000 |
| 55,000 | 2,200 |
| 60,000 | 2,400 |
| 65,000 | 2,600 |
| 70,000 | 2,800 |
| 75,000 | 3,000 |
| 80,000 | 3,200 |
| 85,000 | 3,400 |
| 90,000 and above | 3,600 |
Payment Flexibility and Instalment Options
Recognizing the unique financial situations of OFWs, PhilHealth offers considerable flexibility in payment methods. OFWs can initially pay PHP 2,700 before leaving the country. Subsequently, they can pay the balance in instalments.
They have the flexibility to make these instalments every three, six, or twelve months, allowing them to manage their contributions conveniently in line with their financial capabilities and schedules.
This flexibility in payment options underscores PhilHealth’s commitment to making healthcare contributions manageable and accessible for OFWs, regardless of their location or financial situation.
Benefits Under the Revised Contribution Scheme For OFW
Increased contributions in 2024 will fund a variety of benefit plans. Notable among these is the KonSulTa Konsultasyong Sulit at Tama program. Which offers comprehensive healthcare services including consultations, health risk screenings, laboratory tests, and medications.
Additionally, the package includes outpatient care for severe malnutrition and mental health, as well as a continued COVID-19 benefit package.
These benefits represent a tangible return on the contributions made by OFWs. Offering them and their dependents in the Philippines access to essential healthcare services. It’s a reassurance that their contributions directly contribute to improving the Philippines’ healthcare landscape.
FAQ For OFW Contributors in 2024
Are there any differences in PhilHealth contributions for land-based and sea-based OFWs?
Yes, there are differences in the contribution rates for land-based and sea-based OFWs. Land-based OFWs follow the general OFW contribution table, while sea-based OFWs have a different rate, similar to employed members
What is the new PhilHealth contribution rate for OFWs in 2024?
In 2024, Overseas Filipino Workers (OFWs) will pay a PhilHealth contribution rate of 4% of their monthly salary. Which translates to a range from PHP 400 to PHP 3600 per month, depending on their earnings.
How can OFWs make their PhilHealth contributions?
OFWs have the option to pay an initial amount of PHP 2,700 before leaving the country and can then pay the remaining balance in instalments. OFWs can make these instalments every three, six, or twelve months, which allows them to manage their contributions flexibly according to their financial situation.
What benefits are included in the 2024 PhilHealth package for OFWs?
The 2024 PhilHealth package for OFWs includes the KonSulTa (Konsultasyong Sulit at Tama) program, which offers consultations, health risk screenings, laboratory tests, and medications. Additionally, there are outpatient care packages for severe malnutrition, and mental health, and a continuous COVID-19 benefit package.
Can OFWs Pay in Parts?
Yes, OFWs can choose to pay a part of their total amount first and then pay the rest later. They can pay every three months, every six months, or once a year. This makes it easier for them to manage their money.