PhilHealth Contribution Calculator
Updated November 2026 · Free · No sign-up
Calculate PhilHealth contributions — the Universal Health Care Act’s premium: 5% of monthly basic salary, split equally, on an income floor of ₱10,000 and ceiling of ₱100,000 (verify current — the schedule has moved with UHC funding debates).
Quick answer: PhilHealth: 5% of basic monthly salary — 2.5% employee + 2.5% employer — floored at ₱10,000 (min ₱500 total) and capped at ₱100,000 (max ₱5,000 total). ₱30,000 salary → ₱750 each side. Kasambahay, OFW, and self-paying members follow the same rate on declared income.
The Premium Schedule
| Monthly basic salary | Premium (5%) | You pay (half) |
|---|---|---|
| ≤ ₱10,000 (floor) | ₱500 | ₱250 |
| ₱30,000 | ₱1,500 | ₱750 |
| ₱50,000 | ₱2,500 | ₱1,250 |
| ≥ ₱100,000 (ceiling) | ₱5,000 | ₱2,500 |
The UHC Act’s schedule reached 5%/₱100,000 in 2024-25 and holds there (rate-hike suspensions have been debated politically — verify the current circular). Basis is BASIC salary (not allowances/OT); employers remit monthly via EPRS.
What You Get
Universal coverage under UHC — every Filipino is a member. Konsulta (primary care), case-rate inpatient packages (hospital bills reduced by fixed amounts per condition), Z-benefits for catastrophic illness, hemodialysis sessions (now 156/year), and expanded outpatient benefits. The practical gap: case rates cover a fraction of private-hospital bills — HMO coverage rides on top in most formal employment.
Direct Contributors vs Indirect
Employed, kasambahay, OFWs, and self-earning members pay premiums (self-earners: 5% of declared income, quarterly options); indigents/seniors/sponsored members are subsidized. Miss payments as a voluntary member? Benefits need 9 months of contributions in the prior 12 for some packages — keep the streak.
Audit Notes
Deduction = half the schedule amount on BASIC salary — employers deducting 5% entirely from employees violate the split; kasambahay under ₱5,000/month: employer shoulders the whole premium. Stack with SSS and Pag-IBIG for the full statutory picture, then income tax on the rest.
Frequently Asked Questions
How much is the PhilHealth contribution?
5% of monthly basic salary, split equally (2.5% each) — floored at ₱10,000 and capped at ₱100,000 of salary; verify the current circular as schedules have shifted.
Is the premium on basic or gross pay?
Basic monthly salary — allowances, OT, and bonuses are excluded from the base.
Who pays for kasambahay members?
Employers shoulder the full premium for domestic workers earning under ₱5,000/month; above that, the normal split applies.
What does PhilHealth actually cover?
Case-rate deductions on hospital bills, Konsulta primary care, Z-benefits for catastrophic conditions, dialysis sessions — real but partial; HMOs fill the private-hospital gap.
Do voluntary members have waiting periods?
Some benefits require sufficient contributions in the look-back period (e.g. 9 of 12 months) — lapsed self-paying members should restore the streak before planned procedures.
✓ Formula verified • Last updated: November 3, 2026