PhilHealth membership is not limited to regularly-employed Filipinos. In fact, unemployed and self-employed individuals are strongly encouraged to faithfully make monthly contributions to secure their PhilHealth claims in times of emergencies. Problem is, when a member fails to make a contribution for a month or two, they immediately think that they are no longer qualified to claim from PhilHealth. Others opt to completely neglect paying their contributions because they think that missing one payment already means that all their other payments have been written off already.
To help everyone understand how the PhilHealth appropriates a member’s contribution, we are sharing the following checklists lifted from PhilHealth’s Facebook page. These will help you determine if you are eligible for PhilHealth benefits in spite of irregular payments of your monthly contributions.
These checklists follow the 3/6 rule where the required number of monthly premium contributions is at least three (3) months within the immediate six (6) months (or 3/6!) prior to the first day of availment or hospital confinement. The six-month period is inclusive of the confinement month.
a. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS ELIGIBLE.
b. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS NOT ELIGIBLE because the member only paid contributions for 2 months.
c. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS ELIGIBLE because he completed 3 months’ contributions within the immediate 6 months prior to confinement.
d. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS ELIGIBLE because he completed 3 months’ contributions within the immediate 6 months prior to confinement.
e. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS ELIGIBLE because he completed 3 months’ contributions within the immediate 6 months prior to confinement, EVEN IF THESE ARE NOT CONSECUTIVE MONTHS.
f. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:
THE MEMBER IS ELIGIBLE because he completed 3 months’ contributions within the immediate 6 months prior to confinement, EVEN IF THESE ARE NOT CONSECUTIVE MONTHS.
Nonetheless, PhilHealth still maintains that all members must remit their contributions faithfully and consistently. This is the only way you can be assured of your eligibility to claim from PhilHealth.
Source: https://www.facebook.com/PhilHealth/
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