Last verified: October 5, 2026
Independent guide. We are not affiliated with PhilHealth (Philippine Health Insurance Corporation). Contribution rates and benefit packages change by official circular — always confirm current figures on philhealth.gov.ph.
Quick answer: PhilHealth is the Philippines’ national health insurance. In 2026 the contribution rate is 5% of your monthly basic salary (minimum ₱500, maximum ₱5,000/month), and members get hospitalization coverage plus the YAKAP primary-care package: free checkups, 13 lab tests, 6 cancer screenings, and up to ₱20,000/year in free medicines. Registration is online through the Member Portal; your 12-digit PIN arrives by email in 3–5 working days. OFWs pay as self-paying members, seniors (60+) are covered free and automatically, and indigents are sponsored by the government — see the special-types section below.
All our PhilHealth guides
How to Register for PhilHealth Online (2026)
Get your 12-digit PhilHealth PIN without visiting a branch: Member Portal steps, requirements (PMRF, PSA birth certificate or valid ID), and what to do if your application is delayed or rejected.
PhilHealth Contribution Table 2026
The full 5% rate schedule: ₱500 floor, ₱5,000 ceiling, sample computations, 50/50 employer-employee split, and what self-employed, voluntary, and kasambahay members pay.
PhilHealth MDR: What It Is and How to Get It Online
Your Member Data Record is the document hospitals actually ask for. Download it instantly from the Member Portal, and learn how to claim your physical PhilHealth ID card.
PhilHealth Benefits 2026: YAKAP, Hospitalization, and Senior Coverage
Everything your membership pays for: the YAKAP package (free consultations, labs, 75 medicines, cancer screening), hospitalization case rates, free senior citizen coverage under RA 10645, and Zero Balance Billing.
PhilHealth in 60 seconds
| Topic | The essentials |
|---|---|
| What it is | National health insurance for all Filipinos (RA 7875, expanded by the Universal Health Care Act, RA 11223) |
| 2026 contribution | 5% of monthly basic salary; ₱500 min – ₱5,000 max |
| Registration | Online via the Member Portal; PIN by email in 3–5 working days |
| Proof of membership | MDR (Member Data Record) — downloadable from the portal |
| Primary care | YAKAP — free checkup, labs, medicines, cancer screening at accredited clinics |
| Hospitalization | Fixed case rates deducted from your bill |
| Senior citizens | Free, automatic coverage under RA 10645 |
Who must be a member?
Under the Universal Health Care Act, every Filipino is covered. Members fall into two groups:
- Direct contributors — employed, self-employed, OFWs, professionals, kasambahay: you (and your employer, if any) pay premiums.
- Indirect contributors — senior citizens, indigents, sponsored members: the government pays your premiums.
No Filipino may be denied basic health services for failure to pay contributions — unpaid premiums are billed separately.
PhilHealth for OFWs, Seniors, and Indigent Members
Not every member pays the same way — or at all:
- OFWs register and pay as self-paying members, usually in advance before deployment or while abroad. Generate an SPA on the Member Portal and pay via GCash, Maya, card, or bank channels; keep every remittance receipt and verify posting on the portal. See the contribution table.
- Senior citizens (60+) are covered free and automatically under RA 10645 — premiums are paid by the national government. Coverage is automatic by law, but register at your LGU’s OSCA or any LHIO so your records exist in the system. See benefits.
- Indigent members (including 4Ps beneficiaries) are covered as indirect contributors — the government pays the premiums. Listing is coordinated through your barangay or DSWD; ask your barangay health worker where to start.
Why our guides beat the old ones
The top-ranking PhilHealth guides include pages that are 2+ years stale — one still-ranking tutorial uses screenshots from the 2022-era portal and pre-2024 contribution rates. PhilHealth hit its final 5% rate in 2024 and rebranded Konsulta as YAKAP in 2025; guides written before those changes are actively misleading. Every guide here is verified against 2026 sources and carries a visible last-verified date.
Buod sa Tagalog
Ang PhilHealth ay ang pambansang health insurance ng Pilipinas. Sa 2026, ang kontribusyon ay 5% ng basic salary (₱500 pinakamababa, ₱5,000 pinakamataas kada buwan). Libre ang checkup, lab tests, 75 gamot, at cancer screening sa ilalim ng YAKAP program. Awtomatiko at libre ang coverage ng senior citizens. Magrehistro online sa Member Portal — darating ang 12-digit PIN sa email sa loob ng 3–5 araw.
Troubleshooting
I can’t tell which registration channel is current — portal, email, or walk-in?
All three exist, but the Member Portal PIN application is the current primary online channel. Employed members should register through HR instead. Walk in at an LHIO only if the online route doesn’t cover your case.
Old guides show different rates — which is right?
The 5% rate (floor ₱10,000 / ceiling ₱100,000) has been final since 2024. Any guide quoting 4.5% or lower, or showing 2022-era portal screenshots, is outdated — including one tutorial that still ranks despite being ~2 years stale.
My hospital says my PhilHealth record can’t be found.
This usually means your MDR details don’t match your ID, or your membership was never activated. Log in to the Member Portal to check your record, or visit the nearest LHIO with a valid ID.
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Related guides: PhilHealth Online Registration · PhilHealth Contribution Table 2026 · PhilHealth MDR · PhilHealth Benefits 2026
Last verified: 2026-10-05. Official source: philhealth.gov.ph. Contribution figures (5% rate, ₱10,000 floor, ₱100,000 ceiling) per PhilHealth’s 2026 guidance via the Philippine Information Agency and PhilHealth Circular 2025-0017 (YAKAP). Senior citizen coverage per RA 10645.
Always confirm details on the official government portal:
Visit the official PhilHealth portalFrequently asked questions
Is PhilHealth membership mandatory?
Effectively yes — the Universal Health Care Act covers every Filipino. If you are employed, your employer enrolls you. If you are self-employed, voluntary, or an OFW, you register and pay on your own. Senior citizens and indigents are covered as indirect contributors at no cost.
How much do I pay PhilHealth in 2026?
5% of your monthly basic salary, with a floor of ₱500 and a ceiling of ₱5,000 per month. Employed members split it 50/50 with their employer. Self-employed and voluntary members pay the full 5% on their declared income.
What is the difference between Konsulta and YAKAP?
YAKAP (Yaman ng Kalusugan Program, launched July 2025) is the expanded replacement for Konsulta. It raised medicine coverage from 21 to 75 drugs, added 6 cancer screening tests, and set a ₱20,000 annual medicine credit line per beneficiary.
Do I need to pay before I can use benefits?
No. Under the UHC Act, no Filipino may be denied basic health services for failure to pay. That said, keep your contributions current — employers must remit, and self-paying members should generate an SPA before paying.
Where do I start?
Register online to get your PIN, then download your MDR — it is the document hospitals ask for. Then enroll in YAKAP at a clinic near you for free checkups and medicines.
Is this site affiliated with PhilHealth?
No. This is an independent guide. For official transactions, always use philhealth.gov.ph or visit a PhilHealth office.
I'm an OFW — how do I pay my PhilHealth contributions?
As a self-paying member: generate an SPA on the Member Portal, then pay through GCash, Maya, a credit/debit card, or your bank's bills payment. Many OFWs pay several months in advance. Keep your remittance receipts and confirm each payment posts on the portal.
How do indigent members get PhilHealth coverage?
Indigents and 4Ps beneficiaries are enrolled as indirect contributors with premiums paid by the government. Listing is usually coordinated through the barangay or DSWD — ask your barangay health worker where to start.
