PhilHealth (Philippine Health Insurance Corporation) runs the national health insurance program. Under the Universal Health Care Act (RA 11223), every Filipino is a member; employed members pay premiums shared with their employer, self-employed and voluntary members pay their own, and the government pays for indigent and other subsidized members.
Coverage (benefit packages change, so check PhilHealth's current list):
- Hospital confinement and procedures, paid through case rates and benefit packages
- Selected outpatient and primary care benefits
Premium (2026):
- 5% of monthly basic salary, with a ₱10,000 floor and ₱100,000 ceiling
- Employed members split it 2.5% / 2.5% with the employer
- Self-employed and voluntary members pay the full 5% of declared income (₱500–₱5,000 a month)
See the PhilHealth contribution table for amounts by salary.
What it means for you:
- Coverage is partial — many people add an HMO or private insurance
- Check what your benefit package covers before a planned procedure