2025 PhilHealth Premium Contribution Rates Explained

In line with the Universal Health Care (UHC) Act in the Philippines, the Philippine Health Insurance Corporation (PhilHealth) has released the updated premium contribution rates for all direct contributors for the calendar year 2025. This update aims to enhance health coverage for Filipinos and ensure sustainable health financing.

New Premium Rate and Contribution Details

Effective 2025, the premium rate for direct contributors is set at 5.0% of the Monthly Basic Salary (MBS). The premium contributions are computed based on the following income brackets:

1. Monthly Basic Salary of P10,000:

   • Premium Rate: 5.0%

   • Monthly Premium: P500.00

2. Monthly Basic Salary between P10,000.01 to P99,999.99:

   • Premium Rate: 5.0%

   • Monthly Premium: Ranges from P500.00 to P5,000.00

3. Monthly Basic Salary of P100,000:

   • Premium Rate: 5.0%

   • Monthly Premium: P5,000.00

It is important to note that the computations exclude certain earnings such as sales commission, overtime pay, allowances, thirteenth-month pay, bonuses, or other gratuity payments. Furthermore, any deductions resulting from the employee's absences should also be excluded in the computation.

Ensuring Compliance and Contribution Calculation

Employers are reminded to use the Monthly Basic Salary (MBS) in the accurate computation of the monthly contributions. This is crucial for complying with PhilHealth guidelines and ensuring that employees receive the full benefits of their contributions.

Contact PhilHealth for More Information

For further inquiries and detailed guidance on the updated premium contributions, direct contributors and employers are encouraged to reach out to the nearest PhilHealth Local Health Insurance Office. Additionally, assistance can be sought from the assigned PhilHealth Account Information Management Specialist (PAIMS).

By staying informed and compliant with the updated contribution rates, direct contributors can ensure they are maximizing their health coverage and benefiting from the comprehensive services offered under the Universal Health Care (UHC) Act.

Reference: Premium Contribution for All Direct Contributors for CY 2025