Tag Archive: Philhealth for OFWs


May 03 - 1

In a previous article, we featured the guidelines on how you can be sure that you are eligible to claim your PhilHealth benefits after you have been confined and treated in a hospital.  There are cases, however, when even a qualified PhilHealth member is not able to fully enjoy his privileges in spite of showing sufficient proof that he or she must be afforded his PhilHealth benefits.  Sadly though, the causes of these issues are often due to the medical facility’s negligence and refusal to abide by the policies set by PhilHealth for its affiliated clinics and hospitals.

To help you maximize your PhilHealth benefits, here are four important tips you need to know when applying your privileges as a PhilHealth member:

  • PhilHealth does not refund benefits directly to members.

This means that the hospital or clinic must deduct the amount of PhilHealth’s participation in your treatment, from your total hospital bill.  The benefits may not be converted to cash that the hospital “pays” to the patient.

  • The PhilHealth benefit must be applied AFTER other tax deductions, including the Senior Citizen discount.

The Senior Citizen discount and Value-added Tax (VAT) are different from PhilHealth benefits.  If the patient is a Senior Citizen, the SC and VAT must first be deducted from his total hospital bill, before his PhilHealth benefits are applied.

This computation is applicable only if the No Balance Billing was not applied to the patient’s case.

  • 3 Must-have documents when claiming your PhilHealth benefits:
    • PhilHealth Claim Form 1 (CF1)
    • Member Data Record (MDR)
    • Contributions Record
  • PhilHealth members with complete documents must not be made to pay the hospital bill in full.

Some health institutions make the patient pay the full hospital bill with the promise of refunding them their PhilHealth benefits after they have received the funds from PhilHealth.

This is not how PhilHealth benefits are disbursed to members.

Should the hospital demand that you pay the bill in full, even after you have satisfied all requirements for the application of your PhilHealth benefits, report them right away to PhilHealth.  Most hospitals have PhilHealth helpdesks in its premises; you may also call the PhilHealth call center at 02-441-7442.

Reference: www.philhealth.gov.ph

Chips And Nibblers (1)

Closet Queen

Ad

Mar 14 (1)

The Philippine Health Insurance Corporation is responsible for implementing universal health coverage for Filipinos.  Every Pinoy must be listed as a member of the PhilHealth and make regular contributions to secure his claims in the event that he gets sick or gets into a medical emergency.  In the same manner, PhilHealth, being a social insurance program, provides a means for the healthy to pay for the care and wellness of the sick and those who cannot readily afford medical procedures and assistance.

As soon as an individual reaches the age of 21, whether employed or still studying, he or she must already be enrolled and provided with a PhilHealth number.

How does one become a PhilHealth member?  Here are the steps, procedures, and requirements to get a PhilHealth number and begin making contributions to the agency.

Requirements for: UNEMPLOYED MEMBERS (Individually Paying Member)

Submit the following to the nearest PhilHealth office in your area.  Foreigners residing in the Philippines may also enroll in the PhilHealth under this membership category.

  1. Duly filled out PhilHealth Membership Form (PMRF).  You may download a copy of the form here: https://www.philhealth.gov.ph/downloads/membership/pmrf_revised.pdf
  2. Photocopy of PSA birth certificate or any valid government-issued ID.  Bring an original copy of your birth certificate for verification.
  3. Photocopy of supporting documents for your beneficiaries.
  4. Two latest 1×1 ID pictures.
  5. Photocopy of Alien Certificate of Registration (ACR) issued by the Bureau of Immigration (for foreigners only).

Your PhilHealth number will be issued to you on the same day.  Your PhilHealth membership is a lifetime membership and will not change even if you change membership status (in case you become employed or later on, as a Senior Citizen).

Requirements for: EMPLOYED MEMBERS

  1. Duly filled out PhilHealth Membership Form (PMRF), making sure you include your employed status.
  2. Photocopy of PSA birth certificate or any valid government-issued ID.  Bring an original copy of your birth certificate for verification.
  3. Photocopy of supporting documents for your beneficiaries.

Requirements for: OFWs

OFWs may register and pay their contributions once they are registered at the POEA.

  1. Duly accomplished PMRF
  2. Supporting documents of beneficiaries
  3. Any proof of being an active OFW

 

How to get your PhilHealth ID?

There are actually two types of PhilHealth IDs.

  • The paper ID that can be used when claiming inpatient or outpatient hospital benefits. This can be claimed without charge at any PhilHealth Local Health Insurance Office (LHIO).
  • The PhilHealth Insurance ID Card – a digitized ID card issued to members in the Formal Economy and Informal Sector.  This is issued on a voluntary basis at a cost of P90.00.  It is a duly recognized valid government-issued ID.

Both IDs may be applied for at any PhilHealth office.

The following perks are made available to holders of the digitized ID card:

  • 15% discount on generic drugs on Watson’s, Rose Pharmacy, South Star Drug, and The Generics Pharmacy.
  • 20% to 80% discount on flu vaccines on PQ Health Shield and GSK.
  • Free eye exam from Vivian Sarabia optical.
  • 20% discount on regular items in Vivian Sarabia Optical.
  • 10% discount on drug testing services at JNW Drug Testing sites.

Being a PhilHealth member and having any of the two types of IDs above are the most effective ways to claim your health assistance benefits at private and public hospitals.  Always update your contributions to ensure that you are able to claim your benefits in full, when and where you need to.

Reference: www.philhealth.gov.ph

 Chips And Nibblers (1)

Closet Queen

Ad

Feb 22

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:

1

THE MEMBER IS ELIGIBLE.

b. If the admission date is: FEBRUARY 21, 2018 and the member’s contributions are as follows:

2

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:

3

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:

4

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:

5

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:

5

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/

Chips And Nibblers (1)

Closet Queen

Ad

 

Jan 23 - 1 (1)

On January 1, 2018, PhilHealth’s premium rates have been adjusted to 2.75% of the member’s monthly basic salary (MBS).

To help everyone appreciate how the adjustment impacts an employee’s contribution (and effectively, the salary deduction he should anticipate as a result of the rate increase), we are sharing the following table lifted from PhilHealth’s official Facebook page.

Monthly Basic Salary

(MBS)

Monthly Premium

(@2.75% of MBS)

Personal Share Employer Share
P8,999.99 P275.00

Based on P10,000 floor

P137.50 P137.50
P11,250.00 P309.375

Rounded off to the nearest hundredths =

P309.38

P154.69 P154.69
P25,410.00 P698.775

Round off to the nearest hundredths =

P698.78

P349.39 P349.39
P41,999.99 P1,100

Based on P40,000.00 ceiling

P550.00 P550.00

According to PhilHealth, if an excess of a centavo will occur when equally sharing the computed monthly premium, the excess centavo shall be deducted from the Employee’s share to get the monthly premium due.

Monthly Basic Salary (MBS) Monthly Premium (@2.75% of MBS) Premium per Share Personal Share Employer Share
P22,500.00 P618.75

(P618.76)

P309.375

Round off to the nearest hundredths =

P309.38

(P309.38)

P309.37*

P309.38

*Since P309.38 per share will result to a total of P618.76, the centavo is deducted from the Personal Share.

In accordance with RA 10361, the premium contributions of a Kasambahay shall be shouldered solely by the household employer.  However, if the Kasambahay  is receiving a monthly salary of P5,000 or above, the Kasambahay shall pay his or her proportionate share.  The same rule is followed for the Kasambahay’s SSS contribution.

If you have further questions about the premium rate adjustments of PhilHealth, feel free to call their 24/7 hotline at (02) 441-7442.

Source:

https://www.facebook.com/PhilHealth/

Chips And Nibblers (1)

Closet Queen

Ad

10 - 09

What are the benefits that OFWs can enjoy as bona fide PhilHealth members?  Are their dependents entitled to the same benefits as well?

Below are the latest case rates applicable to OFW members.  The amount stated in this summary is PhilHealth’s participation in the member’s hospital and medical expenses.  Any amount over the stated coverage will be shouldered by the member or by his Health Maintenance Organization (HMO).

1. Examples of Case Rates

ILLNESS AMOUNT OF BENEFIT
Pneumonia Moderate Risk (Pulmonya) P15,000
Pneumonia High Risk P32,000
Stroke – Infarction P28,000
Stroke – Hemorrhagic or Stroke with Bleeding P38,000
Hypertensive Emergency/Urgency P9,000
Dengue (Severe) P16,000
Acute Gastroenteritis (AGE) or Diarrhea with Dehydration P6,000
Asthma in Acute Exacerbation (Hika) P9,000
Newborn Care Package or Services for Newborn Babies P1,750
SURGERIES AMOUNT OF BENEFIT
Hemodialysis P4,000
Maternity Care Package (Normal delivery in lying-in clinics) P8,000
Normal Spontaneous Delivery Package (Normal delivery in a hospital) P6,500
Cesarean Section P19,000
Radiotherapy Linear Accelerator (Linac) P3,000
Cataract Package P16,000
Dilatation and Curettage (Raspa) P11,000
Cholecystectomy P31,000
Appendectomy P24,000

1.1 Z Benefits

These types of packages are for those stricken by diseases that need long and continuous medication.  These normally entail costs beyond one’s usual hospitalization budget.  Z Benefit packages have pre-conditions and selection criteria that need to be met in order to qualify for the benefits at selected government hospitals.

ILLNESS / SURGERY AMOUNT OF BENEFIT
Acute Lymphocytic Leukemia or ALL P210,000
Breast Cancer (Stage 0 to 3) P100,000
Prostate Cancer (Low to Intermediate Risk) P100,000
Kidney Transplant (Low Risk) P600,000
Coronary Artery Bypass Graft Surgery P550,000
Surgery of Tetralogy of Fallot in Children P320,000
Surgery for Ventricular Septal Defect in Children P250,000
Cervical Cancer Chemoradiation with Cobalt and Brachytherapy (Low Dose)

Linear Accelerator and Brachytherapy (High Dose)

P120,000

P175,000

External Lower Limb Prostheses P15,000

1.2 Outpatient Benefits under All Case Rates

SERVICES AMOUNT OF BENEFIT
Tuberculosis – Directly Observed Treatment Short-course administered at accredited TB-DOTS centers P4,000
Malaria treatment administered at accredited rural health units. P600
Outpatient HIV/AIDS Treatment P30,000
Treatment package for animal bites administered at accredited government animal bite centers. P3,000
Vasectomy and Tubal Ligation P4,000

Important Reminder: A member is allotted 45 days of hospitalization in one year and another 45 days to be divided among his qualified dependents.

What are the conditions before an OFW member or dependent may avail of PhilHealth benefits?

  1. Updated contributions as shown in the member’s MDR.
  2. Make sure you are seeking consultation or treatment at a PhilHealth-accredited hospital and by a PhilHealth-accredited doctor.
  3. You have not yet used up the 45-day hospitalization period (OFW or dependents).

How does an OFW member and his dependents avail of PhilHealth benefits?

  1. Before checking out of the hospital, submit the following documents at the Billing Section of the hospital:
  • Duly accomplished PhilHealth Claim Form 1. You may request for a form at the hospital, PhilHealth offices and branches, or download from the PhilHealth website at philhealth.gov.ph
  • Health Insurance ID Card and or Updated Member Data Record (photocopies).
  • Proof of contributions (photocopies).
  1. Medicines purchased outside of the hospital while member is confined may be reimbursed at the hospital if the patient has not yet used up the allocated benefit amount. Make sure that PhilHealth benefits have been deducted from the total hospital bill and professional fees before signing the Claim Form 2.

What if the OFW member is confined in a hospital abroad?  Can he still use his PhilHealth benefits?

 A member confined abroad may file for benefits claim in the Philippines by submitting the following documents to any PhilHealth office, within 180 days after he has been discharged from the hospital abroad:

  1. Copy of Medical Certificate where the following are clearly stated:
    • Final diagnosis
    • Confinement period
    • Services rendered
  2. Duly accomplished PhilHealth Claim Form 1
  3. Copy of Official Receipt or detailed Statement of Account
  4. Updated Member Data Record or proof of payment.

For further information on OFW’s PhilHealth membership, claims, and benefits, you may call the PhilHealth call center at 02-441-7442.  They are available to take your calls, 24/7.

Source: www.philhealth.gov.ph

Chips And Nibblers (1)

Closet Queen

ad

09 - 12

Here is the continuation of yesterday’s feature article on Philhealth contributions and membership renewals.  In today’s blog, we will cover the answers to common questions from Philhealth members such as refunds for unused contributions, how to “reactivate” membership after failing to pay several months, and how to continue paying for your Philhealth membership after you have resigned from your employment.

Read on!

How do I maintain my eligibility?

The key to maintaining eligibility is paying your premiums on-time.  If there are gaps in premium contribution, eligibility will also be affected.  Here are several tips for each member category to ensure that you’ll always be able to use your benefits:

  1. Sponsored Members
  • If the member’s card is about to expire, the member must proactively inquire, whether the Sponsor will renew his/her membership.
  • If not, the member may opt to register as an Individually Paying Member.
  1. Individually Paying Member
  • Ensure that each calendar quarter has been paid.
  • If possible, pay your premiums yearly for your own convenience.
  1. Overseas Workers Program Member
  • Premiums must be remitted prior to your membership’s expiration.
  • If your contract abroad is already terminated, make sure that you shift member category from OWP to IPM (or other applicable categories) to be able to pay premiums again.
  1. Employed Members
  • For seasonal employment or if you’re going to take a leave without pay, just head to the nearest Philhealth Service Office to pay your contributions for the months that you will not be compensated. You may continue paying your premiums as an Individually Paying Member (IPM).
  • To pay your premiums as an IPM, visit any Philhealth office and present a copy of the RF-1 from your employer indicating that you are on leave without pay or a Certification from your employer indicating the same.
  • Once you get separated from employment, make sure you shift category to IPM.

If I missed paying the past quarters, can I still pay for this now to become eligible again?

This is an example of a retroactive payment.  Unfortunately, Philhealth does not accept retroactive payments to avoid abuse of benefits.  This policy has to be in place to avoid those instances when members only choose to pay when they get sick or need to avail of benefits (and conversely stop paying when they don’t need it), which will be unfair for those who pay their premium contributions regularly.

What is the tolerable delay for paying premiums for a member to still be able to use his/her benefits?

None.  Philhealth strictly follows its policies on premium payment and benefit availment.

 Can contributions be refunded by the member who was not able to use it?

No. Philhealth is a social insurance program, wherein members’ premiums are pooled into a single fund used to pay for the benefits of sick members.  Even if a member is not able to use benefits or does not get sick within a particular enrolment year, funds are kept in the pool.

If I stopped paying my premium for considerable amount of time, can I still use my benefits?  Do I need to pay the missed contributions to be able to avail of the benefits again?

No.  Only active members are eligible to avail of Philhealth benefits.  Member should have paid at least three months premium contributions within the immediate six month period prior to medical confinement.  However, payment of at least nine months within the last 12 months shall be asked of Individually Paying Members availing of the following procedures/packages:

  • Pregnancy-related cases
  • Dialysis (except those undergoing emergency dialysis service during confinement)
  • Chemotherapy
  • Cataract Extraction
  • Radiotherapy
  • Selected surgical procedures

Individually Paying Members and Employed Members will now be required to have at least nine (9) months contributions within twelve (12) months prior to the month of availment for all confinements including availment of outpatient benefits.

What if the member passes away?  Can the dependents still use their benefits?

In case the member dies, his/her membership privileges are also terminated.  However, dependents of Sponsored Members may still avail of the Philhealth benefits for the unexpired portion of the member’s contribution.

I used to be employed, but am now self-employed.  Can I still continue paying for my premiums?  How do I go about this?

In case you get separated from employment, you may continue your Philhealth membership by becoming an Individually Paying Member and paying the applicable premium.  Simply accomplish the Philhealth Member Registration Form (PMRF) and tick the box “For Updating” and the appropriate box of the membership category to which you are shifting.  Make sure you continuously and religiously pay your premiums so as to avoid suspension of benefits.

If you have further questions regarding your Philhealth membership, claims, and other benefits, you may call their hotline at 02-441-7442.  They are available to take your call 24/7!

If this blog helped you, share it with others so it would help them too.

Source: www.philhealth.gov.ph

Chips And Nibblers (1)

Closet Queen

 

ad

09 - 07

There are two types of Philhealth members, those whose contributions are regularly remitted by their employers, part of which is deducted from their salaries, and those who pay for their contributions voluntarily.  Of the two types, the latter often fall into the trap of foregoing monthly remittances to Philhealth and as a result, their claims for benefits and assistance are adversely affected.

We ran a research on how Pinoys can keep their contributions regular and consistent, and why we all need to make an effort to ensure that our Philhealth memberships are updated.

Read on!

Why must a member pay his contributions regularly?

Regularly contributing to Philhealth assures the member of hassle-free availment of hospitalization benefits when medical needs arise.  This will also ensure the member’s qualification/eligibility to register under the Lifetime Member Program upon reaching the age of 60 years old, provided he has paid at least 120 monthly premium contributions.

How much is the premium contribution rate?

The premium contribution that each member has to pay is detailed in the following table:

09 - 07 TABLE (2)

Are overtime pay, commissions, and allowances included in the computation of premium contributions of employees?

No they are not included.  The amount of monthly premium contribution of members shall be based on the employee’s salary or wage, which is the basic monthly compensation received for services rendered.

Where can the members remit their contributions?

  1. Philhealth has over 100 service offices all over the country wherein members can pay for their premiums.
  2. Philhealth has also accredited the following collecting agents:
  • More than 1,000 CIS Bayad Centers
  • Collecting Banks
  • MLhuillier Philippines Pawnshops
  • LBC Express outlets
  • Offices of the Philippine Postal Corporation
  • Selected Local Government Units
  1. For Overseas Workers Program Members, i-Remit branches, other partner agents, and foreign offices of Philippine Veterans Bank (UK, Abu Dhabi, and Qatar) also accept premium payments.

When is the deadline for paying my premium contributions?

The following table summarizes when premiums have to be in for each member category:

Membership Category Deadline for Paying Premium
Overseas Worker Before leaving the country or before the last contribution expires.
Employed Tenth day of the following month.
Sponsored Based on the agreement between the Sponsor and Philhealth
Individually Paying 1. Semi-annually/Annually – last day of the third month of the first quarter.

2. Quarterly – last day of the third month of a quarter.

3. Monthly – last day of the month.

What is the effectivity date of Philhealth coverage?

Philhealth benefit coverage starts upon payment of premium (no waiting period) and is valid for one year from the date of payment.

 What are the requirements for eligibility?  When is a member eligible to claim?

In order to become eligible to claim benefits, a member must pay premium contributions regularly.  If the member missed paying for a certain period, he/she and his/her dependents may not be able to use the benefits.  The table below summarizes the eligibility requirements:

Sponsored Members Date of hospitalization/availment must be within the effectivity period indicated in the member’s ID and MDR.
Individually Paying Members 1. There are certain confinement cases wherein three months’ worth of premium within the last six months (3/6) prior to confinement is acceptable.

2. For pregnancy-related cases, dialysis, chemotherapy, radiotherapy, and other selected surgical procedures, the member must have paid nine months worth of premium within the last 12 months (9/12) prior to confinement in order to become eligible.

Lifetime Members and Senior Citizens The member just has to show their Lifetime ID Card or Senior Citizen ID; no need to pay premiums anymore.
Employed Members Three months worth of premium within the last six months (3/6) prior to hospitalization.
Overseas Workers Date of hospitalization/availment must be within the coverage period specified in the member’s MDR.

Just remember the 3/6, 9/12, and effectivity period requirements and you’re good to go!

We will continue with more information on eligibility, contributions, and benefits availment tomorrow.  Meantime, if you have questions about Philhealth membership, send us a message and we will answer your questions to the best of our abilities (and as far as our research will take us!).  You are most welcome to share your knowledge on related topics as well.

Source: www.philhealth.gov.ph

Chips And Nibblers (1)

Closet Queen

ad

11-14

We have been receiving a lot of questions about Philhealth contributions and membership renewals so we decided to run a research on these topics.  Below are just some of the questions we researched on; all answers were lifted from the Philhealth website and memorandum circulars available online:

  1. If I don’t get hospitalized in a year, can I refund my unused Philhealth contributions?
  2. Does Philhealth accept retroactive contribution payments?
  3. Do I need to pay more than one Philhealth contribution if I have multiple jobs?
  4. Are my Philhealth privileges transferable to my dependents after I pass away?
  5. Are employed Senior Citizens still mandated to make Philhealth contributions?

Read on:

  1. Can a member who has not used his Philhealth benefits for an entire year refund his Philhealth contributions?

The answer is no.  Philhealth members’ premiums are pooled to become a single fund which is then used to pay for the benefits of sick members.  It being a social health insurance program, whatever funds are not “used” by a member, are kept in the premiums pool.

2. Can a member, who has ceased making regular Philhealth contributions, still use his benefits?  If not, can he pay his missed contributions in lump sum and immediately become eligible for Philhealth benefits once again?

A member should have paid at least three months premium contributions within the immediate six-month period before his medical confinement and Philhealth benefits claim.  If the member is an Individually Paying member, he must have paid at least nine months’ contributions within the last 12 months in order to enjoy the following Philhealth benefits:

  • Pregnancy-related cases
  • Dialysis (except those undergoing emergency dialysis service during confinement)
  • Chemotherapy
  • Cataract Extension
  • Radiotherapy
  • Selected surgical procedures

Only active members (updated contributions payments) will be afforded Philhealth benefits.

Retroactive payments are only allowed if the member can show proof of sufficient regularity of premium contributions or payment of nine consecutive months or three consecutive quarters within the last 12 months prior to the missed quarter.  Should the member be able to execute the said proofs, he shall be given a grace period of one month immediately after the missed quarter to pay retroactively including the current calendar quarter.

Newly enrolled members (with less than 12 months totaled from date of enrollment), retroactive payment for the missed quarter including the current calendar quarter shall also be allowed within the month immediately following the missed period.

This privilege is granted only once every 12 months.

3. If an employed member who was separated from service last October 2011 wants to continue his membership as an Individually Paying Member in March 2012, can he retroactively pay the premiums for November to December 2011 and first quarter 2012, in March 2012?

Yes; the said member shall be given a grace period of one calendar quarter immediately after the unpaid quarterly period to retroactively settle his obligation.

4. Do I need to pay more than one Philhealth contribution if I have multiple jobs?

According to RA 7875 (Section 18-20 of IRR), employers are mandated to enroll their employees, deduct from their salaries the required premium contribution, and remit the same, together with the corresponding employer share, to Philhealth.  This means that Philhealth members who have more than one employment should consequently be deducted of their corresponding employee share by each and every employer with which they are currently employed.

5. Are my Philhealth privileges transferable to my dependents after I pass away?

No; a deceased member’s privileges are automatically terminated as well.  Only the dependents of a Sponsored Member are allowed to use the unexpired portion of the member’s contributions.

6. I already have a lifetime member card, but my current employer still continues to pay for my premiums.  Can these premium contributions be credited to my son/daughter’s membership when I retire?

As mentioned in item number 4, employers are mandated to pay the Philhealth contributions of their employees, including those within the Senior Citizen bracket.  The payments made are non-transferable  and cannot be credited to the Senior Citizen’s dependents after the member retires.

Sources: www.philhealth.gov.ph (Philhealth FAQs)

ad

 

09-19

Sea-based Overseas Filipino Workers (OFW) are also encouraged to become Philhealth members or continue their Philhealth contributions even while they are working abroad.  Here are the frequently asked questions of sea-based OFWs regarding Philhealth membership, contributions, and how they can avail of services and benefits.

Q: How do I register as a sea-based OFW Philhealth member?

A: You need to fill out and submit a Philhealth Member Registraton Form to the Human Resource Department of your Manning Agency.  You may also download a copy of the form here (hyperlink PDF copy).

Q: How do I update my personal information?

A: Secure a copy of the Philhealth Member Registration Form (PMRF) (hyperlink PDF copy) and submit accomplished copy to the nearest Philhealth office or email to ofp@philhealth.gov.ph.  Include supporting documents.  Make sure that you signed the PMRF as proof that all submitted information are true and correct.

Q: Can I still continue paying my Philhealth contributions even after my contract has already expired?

A: Yes.  All sea-based OFWs are encouraged to continue paying their Philhealth contributions. This ensures continuous Philhealth coverage of the member and his listed dependents.

After expiration of job contract, the member only needs to update his membership category at Philhealth from Formal Economy to Informal Economy member.  He needs to do this every time his contract expires.  Premium contribution as an Informal Economy member is PHP 600.00 per quarter.

Q: What do I need to submit to avail of the benefits?

A: For confinement in the Philippines, bring the following:

  • Duly accomplished copy of the Philhealth Claim Form 1 (CF 1). If the OFW member is currently on-board a vessel or job contract has not expired yet, the second part of the CF 1 must be signed by the Manning Agency. You may secure a copy of the CF 1 from the hospital.
  • Copy of MDR.
  • Proof of contributions (if not stated in the MDR).

For confinement abroad, submit the following to any Philhealth office in the Philippines within 180 days after member has been discharged from the hospital:

  • Statement of account in English.
  • Copy of medical certificate in English, with clear description of diagnosis, confinement period, and procedures given to the patient.
  • Official receipt of patient’s hospital and physician fees.

Next week, we will feature Philhealth information for Pinoys residing permanently abroad as immigrants and those with dual citizenship.

Source: www.philhealth.gov.ph

ad

09-15-1

Philhealth membership is open to all Filipinos in the country and those working abroad.  Recently, automatic membership has been granted to Pinoy senior citizens, a move that delighted our parents.  Lolos and Lolas as they no longer need to pay their Philhealth contributions but are assured of Philhealth assistance when they need medical care.

This article shall focus on all the information that Pinoys need regarding Philhealth membership while they are working abroad as land-based OFWs.  Share this to your family and friends who are Philhealth members or want to become Philhealth members but are residing outside the Philippines.

Q: I forgot my Philhealth number, where can I verify?

A: You can send an email to ofp@philhealth.gov.ph, include the following information:

  • Last Name
  • First Name
  • Middle Name
  • Birthday

A Philhealth representative will reply to your email with your Philhealth number.

Q: I used to be a Voluntary Member of Philhealth.  I am an OFW now.  What are the documentary requirements I need to submit in order to update my membership category?

A: You need to accomplish a PMRF form and submit this to any Philhealth office with the following documentary attachments:

  • Valid Overseas Employment Certificate (OEC)
  • Valid E-Receipt
  • Valid working visa/re-entry permit
  • Valid job employment contract
  • Valid company ID issued by employer abroad
  • Certificate of Employment for applicable period from employer abroad
  • Cash remittance receipt from member abroad at least 2 months prior to the date of renewal/payment
  • Valid ID/Certificate issued to OFWs in the host country
  • Any other equivalent proof, subject to the approval of the authorized officer.

Q: My foreign employer has granted me an insurance abroad, do I still need to pay for my Philhealth contributions?

A: Yes because Philhealth is mandatory among OFWs.  Through your contributions, you can still avail of Philhealth benefits abroad and also cover your qualified dependents in the Philippines.

Q: Can I still pay my contributions for the months I missed?

A: Yes, Philhealth gives OFWs a 30-day grace period to settle unpaid contributions from the expiry date.

Q: When can I use my Philhealth benefits?

A: If your contributions are updated, you may use your Philhealth benefits within the validity coverage stated in your MDR.

Q: What numbers do I call if I have questions regarding my Philhealth OFW membership?

A: You may call the following numbers:

  • Corporate Action Center: (63) 2 – 4417442
  • OFW Mobile Phone: +63 917 5129149

You may also send an email to: actioncenter@philhealth.gov.ph and ofp@philhealth.gov.ph

Next week, we will post facts for Sea-based OFWs and Filipinos residing abroad.

Source: www.philhealth.gov.ph

Ad

%d bloggers like this: