The Philippine Health Insurance of the Philippines releases the New Philhealth Contribution Table 2020 effective December 7, 2019. This is pursuant to the Universal Health Care Act (RA 11223) where every Filipino will be a member of Philhealth either as direct contributors or indirect contributors.
Coverage
The premium contribution table covers direct contributors. Direct contributors are those that have the capacity to pay a premium like employed, self earning, professional practitioners, and Overseas Filipino Workers.
PhilHealth Contribution Table 2020
Philhealth Contribution Table 2020 form employed members.
The premium contribution of employed members in the government and private sector including household help and sea-based OFW shall be computed straight based on the monthly basic salary of the employee to be equally shared between the employee and the employer.
However, for self earning individuals, professional practitioners, land-based OFW and all Direct Contributors with no employer-employee relationship, their premium contribution shall be computed based on their monthly basic income to be paid wholly and individually by themselves.
For those whose basic salary is below the income floor, the premium contribution shall be computed based on the income floor while those with basic monthly income is above the income ceiling, the premium contribution shall be computed based on the income ceiling in accordance with the DBM Circular No. 2019-8.
Refer to the photo below.
Section 4 of DBM Circular No. 2019-8
4.0 The Universal Health Care Act (RA No. 11223) provides for the adoption of the higher income ceiling in line with the expanded benefits therein. Said RA was approved last February 20, 2019 and published on February 21, 2019, prescribing the following schedule and monthly income floor and ceiling for premium contributions:
| Year | Premium Rate | Income Floor | Income Ceiling |
| 2019 | 2.75% | P10,000 | P 50,000 |
| 2020 | 3.00% | P10,000 | P 60,000 |
| 2021 | 3.50% | P10,000 | P 70,000 |
| 2022 | 4.00% | P10,000 | P 80,000 |
| 2023 | 4.50% | P10,000 | P 90,000 |
| 2024 | 5.00% | P10,000 | P 100,000 |
| 2025 | 5.00% | P10,000 | P 100,000 |
Section 5
5.0 In accordance thereto, effective the applicable month of 2019, i.e., 15 days after publication, or March 8, 2019, the monthly premium contribution shall be at the rate of 2.75%, computed straight based on the MBS, with a salary floor of P10,000 and a ceiling of P50,000, to be equally shared by the employee and the employer (government), as follows:
| Monthly Basic Salary (MBS) | Monthly Premium 2.75% x MBS | Personal Share | Employer Share |
| P10,000 and below | P275.00 | P 137.50 | P 137.50 |
| P10,000.01 to P49,999.99 | P 275.02 to P1,100.00 | P 137.51 to P 550.00 | P 137.51 to P 550.00 |
| P50,000 and above | P 1,375.00 | P 687.50 | P 687.50 |
In accordance with RA no 10361, the premium contributions of the kasambahay or the household employer shall be shouldered solely by the household employer. However, if the kasmabahay is receiving a salary of P5,000 and above, the kasambahay shall pay his/her proportionate share.
RA no 11228 decrees the mandatory Philhealth coverage of all persons with disability. Premium contributions for all PWD’s shall be paid by the National Government. For employed PWD members, the premium shall be shared equally by their employers and the National Government.
Philhealth Contribution Table for OFW & Schedule of Payments
Here is the newly release Philhealth Contribution for OFWs. Landbased OFW’s will shoulder the payment by themselves. The premium contribution will be based on their monthly income. They will be required to provide a copy of proof of income subject to Philhealth validation.
Payment of not less than P2,400 will be accepted as an initial payment before their departure date. The balance can be paid in full after 6 months or in the next 2 quarters.
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