PhilHealth Keeps Premium Contribution Rate at 5% for 2025

MANILA, Philippines — The Philippine Health Insurance Corp. (PhilHealth) has announced that the premium rate contribution will remain at five percent for the year 2025. This rate is consistent with the previous year's figure and aligns with the Universal Health Care Act.

All direct contributors are hereby advised that the premium rate effective for the applicable period of January 2025 remains at 5.0 percent, with an income floor of P10,000 and income ceiling of P100,000

PhilHealth stated in its Advisory No. 2025-0002.

This means that individuals earning a basic salary of P10,000 will have a premium rate of P500, while those with a monthly income of P100,000 must contribute P5,000.

The premium rate is in accordance with Section 10 of the UHC Act.

Under the UHC Law, PhilHealth premium contributions are set at 2.75 percent in 2019, three percent in 2020, 3.5 percent in 2021, four percent in 2022, 4.5 percent in 2023, and five percent in 2024 and 2025.

PhilHealth’s advisory follows the Social Security System (SSS) announcement of an increase in contribution rate from 14 percent to 15 percent, with 10 percent to be shouldered by the employer and five percent by the employee.

PhilHealth has also addressed concerns from private hospitals regarding unpaid claims.

As to claims of our health facilities, payment will be taken from the investment portfolio which already reached P492 billion as of Dec. 31, 2024

PhilHealth senior vice president for fund management Renato Limsiaco Jr. said at a recent briefing.

He noted that premium contributions this year would enhance the health insurer’s resources, which could be used for settling hospital claims.

PhilHealth president Emmanuel Ledesma has instructed concerned offices to expedite the processing of claims.

This is what our regional offices have been doing – claims processing

Limsiaco added.

PhilHealth is also taking measures to improve its payment system.

On the part of PhilHealth, we are doing this enhancement of claims processing

Limsiaco said.

The state health insurer has appealed to hospitals to submit quality claims promptly.

They should submit in a very fast manner so that PhilHealth will also be able to compensate in a fast manner

Limsiaco explained.

We need our health facilities to submit quality claims, meaning the signatories and requirements are complete

he noted.

Earlier, the Private Hospitals Association of the Philippines Inc. (PHAPI) expressed support for increasing benefits for PhilHealth members but emphasized the need for timely payment of hospitals’ claims.

They would always say, they are fixing their system so that they can pay us on time

PHAPI president Dr. Jose Rene de Grano said.

We will see the effects of the increase in benefits. We will see after around two months if PhilHealth will be good on their job of paying us for the money we will be advancing in behalf of our members

De Grano added.

Reference: PhilHealth retains premium rate amount for 2025