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If you looked for a job before, you probably had a chance to apply for a PhilHealth ID as a primary requirement for the employment documents.
But you may be wondering what’s the purpose of this government document/ID or how do you sign up to get one – in case you’re new in the workforce.
Luckily, this article will discuss the ins and outs of applying for PhilHealth ID and what are the benefits you can get if you have one.
Before that, let’s first answer the question:
01 of 08What is a PhilHealth ID?
According to Administrative order 2013-0025 of the Department of Health, PhilHealth ID is defined as a “unique and permanent number issued to any client upon enrolment/membership registration to the National Health Insurance Program of the Corporation for purposes of identification, eligibility verification, and utilization recording.” Meaning, this ID is proof that you are a PhilHealth member which essentially allows you to get all the organization’s health insurance and benefits.
02 of 08What are the PhilHealth benefits available?
If you are admitted to a hospital and seek care, PhilHealth will shoulder some parts of your total bill as long as the hospital you’re admitted to is a certified PhilHealth partner.
If you wish to not be admitted but need immediate medical care, PhilHealth will cover parts of the entire cost of your day surgery such as hemodialysis, radiotherapy, and other primary care. Some doctor consultations are also covered by PhilHealth benefits.
Leukemia, prostate cancer, cervical cancer, and breast cancer are just some of the many diseases that need to be treated and cost too much. Fortunately, PhilHealth will cover some of the amounts of treatment as long as the hospital or clinic is a PhilHealth partner.
For leukemia – regardless of any medical case, the average shouldered cost of the organization is up to PHP 28,000 for the first case rate.
For cancer – regardless of any medical case, the average shouldered cost of the organization is up to PHP 29,200 for the first case rate.
For malignant neoplasm digestive organs – the average shouldered cost of the organization is up to PHP 28,000.
Furthermore, if you want to view a specific medical case and the shouldered cost of PhilHealth, click here.
Sustainable Development Goals or SDG benefits are objectives set by United Nations and mandated all the public health organizations to meet such aims. Meaning, diseases like Animal Bite, HIV-AIDs, outpatient anti-tuberculosis treatment, and others that need a cluster of treatment are partly carried by PhilHealth’s SDG-related benefits.
For further terms and conditions of each benefit, view it here.
03 of 08PhilHealth benefits for Foreign citizens and Dual citizens
Aside from Filipino citizens, foreigners and Filipinos with dual citizenship are also eligible for the benefits of PhilHealth.
Foreigners – they can enjoy inpatient and outpatient benefits of the organization in any PhilHealth accredited hospital or clinic. But, they are not eligible for Z benefit packages or if they’re about to give birth in the country. Also, they are not allowed to make reimbursements claims for hospital confinements out of the country.
For Filipinos with dual citizenship – In line with this matter, they can avail all the benefits of PhilHealth on any accredited facilities nationwide and abroad. But before being qualified, they at least have to pay three months of PhilHealth monthly contributions within 6 months before infirmity.
In addition to these benefits, PhilHealth newly announced that they are offering benefits for COVID-19 patients. The following are the common medical cases and the shouldered cost of the organization:
- Mild Pneumonia – P HP 43,997
- Moderate Pneumonia – PHP 143,267
- Severe Pneumonia – PHP 333,519
- Critical Pneumonia – PHP 786,384
Those with probable COVID-19 cases and negative RT-PCR test results may avail of the following Intermediate packages:
- Moderate Pneumonia – PHP 18,000
- Severe and Critical Pneumonia – PHP 38,000
04 of 08Who is entitled for a PhilHealth ID?
All Filipino citizens even unemployed are eligible for an ID. But before you can get one, you have to become a PhilHealth member first. If you’re wondering how to become one, follow these succeeding steps:
How to become a PhilHealth member?
1. Look for the nearest PhilHealth or PhilHealth express branch.
2. Prepare two copies of PhilHealth Member Registration form. The latter is available online or you can just go to this link. Fill out the form with your full name, address, age, birthday, and other primary information about you.
3. Ready your two valid government IDs. You can also bring your PSA birth certificate and two recent 1×1 photos.
4. Submit your complete documents to the officer-in-charge in the branch.
5. After processing your forms, you will be given a Member Data Record and a PhilHealth Number. You are also required to pay a monthly contribution depending on your monthly salary.
Those with a monthly basic salary of PHP 10,000 and below has a fixed monthly contribution of PHP 350.
While those with a monthly salary of PHP 70,000 above will pay a fixed rate of PHP 2,450 a month.
The premium rate of PhilHealth costs 3.5 percent of your salary. Take note: if you are an employee, it’s better if you coordinate with the HR department since they are liable to arrange this.
Read more: How to transfer RDO BIR 1905 form Online
05 of 08Membership requirements for others
For foreigner retirees
- Applicant must be registered with the Philippine Retirement Authority (PRA)
- Accomplished PhilHealth Member Registration Form (PMRF) for Foreign Nationals that must be submitted to any PRA office
- Special Resident Retiree’s Visa (SRRV)
- Permanent residency status
For Filipinos with Dual Citizenship
- Accomplished PMRF
- Certificate of Re-acquisition/Retention of Philippine Citizenship (CRPC)
- Identification Certificate (IC) issued by the Philippine Embassy or Philippine Consulate abroad or by the Bureau of Immigration
For foreigners living and working in the country
- Valid Alien Certificate of Registration Identity Card (ACR I-Card) issued by the Bureau of Immigration
- Valid working permit
- Accomplished PMRF for Foreign Nationals that must be submitted to any Local Health Insurance Office
Now that you are a member of PhilHealth, let’s take into account how you can get an ID as proof that you are a member and are entitled to government-mandated health insurance benefits.
06 of 08Types of PhilHealth ID
There are 2 types of PhilHealth ID issued to their members. The regular PhilHealth ID and the Digitized PhilHealth insurance ID card.
The succeeding descriptions can locate the differences between the two.
1. Regular PhilHealth ID
Regular PhilHealth ID looks like a business card since it’s made with card stock and can be laminated. And unlike other government-issued IDs like UMID and Driver’s license, regular PhilHealth ID don’t have many security features and the design is simple.
When you presented this to avail the inpatient or outpatient benefits, it will help you speed up the processing of insurance claims. This ID is free to all the members of PhilHealth.
07 of 08How to get a regular PhilHealth ID?
The regular ID is normally issued once you applied to be a member or get your Member Data Record for personal purposes. But if you don’t have one, follow the succeeding steps to get a regular PhilHealth ID.
- Go to any PhilHealth office (PhilHealth branches in malls also issue regular IDs). Bring your PhilHealth number and two valid IDs (regardless if primary or secondary).
- Come close to a PhilHealth officer, get a Request Form and a queue number.
- Fill out the Request Form and state that you need to get a “PhilHealth Identification Card (PIC)”.
- When your number is called, give your accomplished form to the officer.
- Be patient while they are processing your request. Wait for a few minutes until your ID is printed and issued to you.
Note: Before leaving the branch, make sure that you check all your information in the ID. This is to avoid mishaps when you have to use it.
Before leaving the branch, make sure that you check all your information in the ID. This is to avoid mishaps when you have to use it.
If you don’t have the time to personally get your regular PhilHealth ID, you can ask a representative to get it for you. Just write and sign an authorization letter along with your ID.
On the other hand, the authorized representative must also have a valid ID because if none, he/she won’t be able to fill in your request. Now that you have your regular PhilHealth ID, don’t forget to sign below it, attach your 1×1 ID photo, and have it laminated.
Now that you have your regular PhilHealth ID, don’t forget to sign below it, attach your 1×1 ID photo, and have it laminated.
2. Digitized PhilHealth Insurance ID Card
This is a digitized PVC card that’s optional for employed members of PhilHealth. And just like the regular, Digitized PhilHealth Insurance ID Card is to get a faster transaction in case of any medical cases.
But, it is honored in government and bank transactions. It will also entitle the holder to a discount on any medical services and medicines from PhilHealth’s partnered pharmacies, hospitals, or clinics.
Digitized PhilHealth Insurance ID Card will cost you PHP 90. However, if you want to include your dependent, it will cost you an additional fee of PHP 358.
How to get a Digitized PhilHealth Insurance ID Card?
Only employed members can get this ID. Meaning, you can get ahold of it only through your HR department. The latter has the ability to order the ID in bulk. So if you’re an employee and are interested to get this, better coordinate with your HR and ask if you can apply for one.
FREQUENTLY ASKED QUESTIONS (FAQS)
- How can I replace my lost or damaged PhilHealth ID?
The procedure required by PhilHealth is pretty much the same as applying for a new regular ID. But if your ID is lost or damaged, you have to submit additional requirements.
For lost ID, you need an affidavit of loss. You can go to a notary public near you and they usually have a ready-made template for this kind of situation.
On the other hand, you need to surrender your old damaged ID card in order to get a new one in the PhilHealth branch near you.
- How many months before I can use PhilHealth benefits?
To become eligible for their benefits, members should at least have paid 9 months’ premium contribution within the immediate twelve-month period to the first day of confinement.
- What happens if I missed my monthly payment?
The organization allows retroactive contribution payment for up to 3 consecutive months. Meaning, as long you only missed 1 to 2 months of contribution, you still have a chance to make that up in the 3rd month.
Although, in order to allow you by PhilHealth, you must follow these two conditions:
1) Have paid nine consecutive monthly contributions before the unpaid months.
2) Pay retroactively within one month after the unpaid months.
- How many times I can use the benefits of PhilHealth in a year?
You can avail the benefits of being a PhilHealth member as long as you’re fulfilling the contribution requirements and eligibility criteria they have.
- Do I need to be a PhilHealth member even if I am unemployed?
Even if you don’t have a job but you’re willing and capable to pay monthly premiums, you can be a PhilHealth voluntary member.
08 of 08Conclusion
Being a PhilHealth member aims to provide the citizens of the Philippines affordable health services and financial assistance to major medical cases. With just a little deduction on your monthly salary, you can save a lot of money when a medical emergency comes.
Moreover, PhilHealth covers ambulatory and non-emergency surgical procedures in outpatients. Regardless of the surgery is minor or major, as long as you can be sent home within the day and therefore considered as an outpatient, you can get all the designated benefits from PhilHealth.
So to assure that your personal savings or investments are not affected when fatalities come, become a PhilHealth member and take advantage of the benefits they offer to the public.
Getting your PhilHealth ID is much easier and provided more benefits for a low monthly premium compared to other private insurance companies. With the signing of Universal Health Care, you can be sure that coverage of PhilHealth will be wider and provide more benefits to all Filipinos in terms of health care.
Before you’ll be surprised how much you will pay after discharge at a hospital, now you’ll get surprised how little you will pay now because of PhilHealth benefits, Malasakit Center, and Universal Health Care act.
If you have any questions, just comment down below.
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