The PhilHealth or Philippine Health Insurance Corporation plays a vital role in helping Filipinos access affordable healthcare. Every year, PhilHealth updates its contribution table to improve benefits and sustain its Universal Health Care (UHC) program.
As we enter 2025, new premium rates are now in effect — and it’s important for employees, employers, self-employed individuals, and OFWs to understand how much they should contribute, and how to pay properly.
What’s New in the 2025 PhilHealth Contribution Rates?
Under the Universal Health Care Law (Republic Act No. 11223), PhilHealth contributions gradually increase each year to ensure better healthcare coverage for all.
Starting January 2025, the premium rate is now 5.5% of the member’s monthly basic salary, up from 5% in 2024.
Here’s a breakdown:
| Category | Rate (2025) | Monthly Salary Range | Monthly Premium |
| Employees | 5.5% (shared by employee & employer) | ₱10,000 – ₱100,000 | ₱550 – ₱5,500 |
| Self-Employed / Voluntary Members | 5.5% | Based on declared income | Minimum ₱550 |
| OFWs | 5.5% | Based on monthly income (proof required) | Minimum ₱550 |
| Kasambahay (Household Workers) | Employer pays full if salary ≤ ₱5,000 | ₱275 – ₱550 | ₱275–₱550 |
💡 Example:
If your monthly salary is ₱30,000 — 5.5% of that is ₱1,650. Your employer pays half (₱825), and you pay the other half (₱825), deducted from your payroll.
Why Did PhilHealth Increase the Rate?
The increase follows the scheduled adjustment under the UHC Law, which aims to fund expanded benefits, hospital coverage, and primary care programs.
In return, members now enjoy:
- Higher case rate coverage for selected illnesses
- Expanded outpatient services
- Maternity, dialysis, and mental health coverage
- Access to Konsulta Package (preventive checkups and lab tests)
This means that while contributions rise, members gain wider protection and access to essential medical services — both in government and accredited private hospitals.
How to Pay PhilHealth Contributions (2025 Guide)
For Employed Members
Your company’s HR or payroll automatically deducts your share and remits it to PhilHealth. Make sure your Member Data Record (MDR) and PhilHealth Number are correct to avoid posting issues.
You can verify your contributions through:
- PhilHealth Member Portal: https://memberinquiry.philhealth.gov.ph
- PhilHealth Mobile App (available on Google Play)
For Self-Employed / Voluntary Members
You can pay monthly, quarterly, or yearly through these channels:
- Over-the-counter: Bayad Center, SM Bills Payment, M Lhuillier, Western Union
- Banks: Landbank, BPI, Security Bank, UnionBank
- Online:
- GCash: Go to Bills Payment → Government → PhilHealth.
- Maya: Select Bills → Government → PhilHealth.
- Credit/Debit Card via https://memberinquiry.philhealth.gov.ph
Always keep your Payment Reference Number (PRN) — this ensures your payment is credited to the correct period.
For OFWs (Overseas Filipino Workers)
You can pay through:
- PhilHealth-accredited collecting partners abroad, such as iRemit or Ventaja
- Online banking apps (with PhilHealth payment option)
- Through relatives in PH using your PRN
Make sure to update your Member Type to “Overseas Worker” to avoid penalties.
Reminders & Penalties
- Late payments may incur penalties or unposted months, which could affect your benefit claims.
- Always double-check your PRN and official receipts.
- Update your membership details if your employment or income changes.
For any issues, you can visit your nearest PhilHealth Local Office or contact their hotline (02) 8441-7442 or [email protected].
Final Thoughts
The PhilHealth Contribution Table 2025 reflects the government’s commitment to strengthening healthcare access for all Filipinos. Although the contribution rate has slightly increased, it supports the expansion of benefits and improved services that every member can enjoy.
Whether you’re employed, self-employed, or an OFW, staying updated with the latest rates — and paying on time — ensures that you and your family remain protected in times of medical need.
If you haven’t checked your latest contribution record yet, now’s the best time to log in to your PhilHealth portal or use their mobile app to confirm your payments.
Because when it comes to health, being prepared is always the best protection.