PhilHealth Contribution Calculator Philippines 2026
PhilHealth, officially the Philippine Health Insurance Corporation, is the national health insurance program that helps Filipinos pay for hospital and medical expenses. As a member, you contribute a small percentage of your salary each month in exchange for coverage that can significantly reduce your out-of-pocket costs when you get sick, injured, or need surgery. For employed members, the premium is split equally between you and your employer, so half the cost is already taken care of by your company. Starting 2026, the premium rate is set at 5% of your monthly basic salary, with a minimum salary basis of ₱10,000 and a maximum of ₱100,000. Self-employed individuals and OFWs pay the full premium themselves, but they gain access to the same inpatient and outpatient benefits. Pensioners and senior citizens are covered through a government subsidy, meaning they pay nothing out of pocket.
Calculator
How It Works
- 1
Enter your monthly basic salary. This is your base pay before allowances or deductions.
- 2
The salary basis is capped between ₱10,000 (minimum) and ₱100,000 (maximum) for premium computation purposes.
- 3
The total premium rate is 5% of the salary basis.
- 4
Employed members split the premium equally: 2.5% from you and 2.5% from your employer.
- 5
Self-employed and OFW members pay the full 5% themselves with no employer counterpart.
- 6
Pensioners and senior citizens have their premium subsidized by the government and owe nothing.
- 7
Your annual premium is your monthly employee share multiplied by 12.
Frequently Asked Questions
PhilHealth covers inpatient hospital care, day surgeries, outpatient consultations through Z Benefits and case rates, maternity care, newborn care packages, and selected expensive medicines under the No Balance Billing policy for indigent and sponsored members. The coverage amount depends on the procedure and your accreditation status, but it can significantly reduce what you pay at the hospital.