PhilHealth Contribution Calculator 2025-2026
Calculate your monthly PhilHealth contribution based on salary. 2025 rate: 5% with P10,000 floor and P100,000 ceiling. Free calculator for employees.
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Enter your gross monthly basic salary
How PhilHealth Contributions Work in 2025
PhilHealth (Philippine Health Insurance Corporation) provides universal health coverage for Filipinos. All employed, self-employed, and voluntary members contribute based on their monthly income, with benefits covering hospitalization, outpatient care, and more.
2025 PhilHealth Contribution Parameters
| Parameter | Value |
|---|---|
| Premium Rate | 5% of Monthly Basic Salary |
| Income Floor | ₱10,000 |
| Income Ceiling | ₱100,000 |
| Minimum Contribution | ₱500/month (₱250 each for EE/ER) |
| Maximum Contribution | ₱5,000/month (₱2,500 each for EE/ER) |
| Sharing Ratio | 50% Employee / 50% Employer |
Sample PhilHealth Contribution Table
| Monthly Salary | Total Premium (5%) | Employee Share | Employer Share |
|---|---|---|---|
| ₱10,000 or below | ₱500.00 | ₱250.00 | ₱250.00 |
| ₱15,000 | ₱750.00 | ₱375.00 | ₱375.00 |
| ₱20,000 | ₱1,000.00 | ₱500.00 | ₱500.00 |
| ₱30,000 | ₱1,500.00 | ₱750.00 | ₱750.00 |
| ₱50,000 | ₱2,500.00 | ₱1,250.00 | ₱1,250.00 |
| ₱100,000 or above | ₱5,000.00 | ₱2,500.00 | ₱2,500.00 |
Who Pays PhilHealth Contributions?
- Employed Members: Contribution is shared equally (50-50) between employee and employer
- Self-Employed: Pay the full 5% contribution themselves
- Voluntary Members: Pay the full 5% based on declared income
- OFWs: Pay the full contribution based on declared income. Land-based OFWs pay a minimum of ₱500/month (₱6,000/year), the ₱10,000 floor at 5%.
- Kasambahay: Employer pays full contribution if salary is ₱5,000 or below
- Senior Citizens: Government-subsidized (no contribution required)
PhilHealth Benefits Coverage
Membership covers you and your qualified dependents for benefits including the following. Actual coverage depends on the benefit package, the facility's accreditation, and PhilHealth's rules for each case — confirm entitlement with PhilHealth or the accredited facility before relying on it:
- Inpatient Care: Room and board, drugs and medicines, operating room fees
- Outpatient Care: Consultations, laboratory tests, minor surgeries
- Z Benefits: Coverage for catastrophic illnesses (cancer, kidney disease, etc.)
- Primary Care Benefits: Preventive services, check-ups, vaccinations
- Maternity Package: Pre-natal, delivery, and post-natal care
How to Pay PhilHealth Contributions
Generate a Statement of Premium Account (SPA) through the PhilHealth Member Portal, then pay via accredited banks, payment centers, GCash, Maya, or online banking.