PhilHealth contribution for OFW in 2026
Quick answer
OFWs are direct contributors to PhilHealth and pay the whole premium themselves: 5% of their monthly income, with a minimum of PHP 500 and a maximum of PHP 5,000 a month (income floor PHP 10,000, ceiling PHP 100,000). You can pay monthly, quarterly, every six months or once a year, through PhilHealth-accredited collecting agents in the Philippines or abroad. While abroad, you and your dependents can claim reimbursement for a hospital stay overseas, filed within 180 days after discharge.
Use our PhilHealth contribution calculator to see your amount.
What are the requirements?
- Your PhilHealth Identification Number (PIN).
- An up-to-date Member Data Record (MDR), with your contact details and your dependents. See how to print your MDR.
- A PhilHealth Member Portal account or the eGovPH app, to check that your payments are posted. See how to register.
- Your monthly income abroad in pesos, to compute the premium.
How do you apply, step by step?
1. Update your record
Check your category, address, contact details and dependents on the Member Portal or at a PhilHealth Local Health Insurance Office.
2. Compute your premium
Take 5% of your monthly income. If you earn PHP 10,000 or less, the premium is PHP 500. If you earn PHP 100,000 or more, it is PHP 5,000.
3. Choose how often to pay
monthly, quarterly (3 months), semi-annually (6 months) or annually (12 months).
4. Pay at any PhilHealth-accredited collecting agent, in the Philippines or overseas
Keep the receipt.
5. Check the posting on the Member Portal or in the eGovPH app
How much does it cost?
| Item | Amount | Notes |
|---|---|---|
| Monthly premium, income PHP 10,000 or less | PHP 500 | Minimum; PHP 6,000 a year |
| Monthly premium, income PHP 30,000 | PHP 1,500 | PHP 4,500 a quarter; PHP 18,000 a year |
| Monthly premium, income PHP 100,000 or more | PHP 5,000 | Maximum; PHP 60,000 a year |
| Premium rate | 5% of monthly income | Same rate since January 2025; paid in full by the OFW |
How long does it take?
- Payments: check the Member Portal or the eGovPH app after you pay to see that they are posted.
- Overseas hospital claims: file within 180 days from the date of discharge.
Where to go
- Online: the PhilHealth Member Portal and the eGovPH app.
- Payments: PhilHealth-accredited collecting agents in the Philippines and overseas.
- In the Philippines: PhilHealth regional offices and Local Health Insurance Offices, through the officer assigned to Overseas Filipinos.
- By phone or email: the PhilHealth Corporate Action Center, (02) 8662 2588, actioncenter@philhealth.gov.ph.
Frequently asked questions
Is PhilHealth mandatory for OFWs?
Yes. Under the Universal Health Care Act (RA 11223), all members contribute, and OFWs are direct contributors who pay the full premium.
How much is PhilHealth for OFWs in 2026?
5% of your monthly income, from PHP 500 to PHP 5,000 a month.
Can I pay PhilHealth for a full year?
Yes. PhilHealth accepts monthly, quarterly, semi-annual or annual payments. A year at the minimum costs PHP 6,000.
Can I use PhilHealth for a hospital stay abroad?
Yes, by reimbursement. You or your dependents file the claim within 180 days after discharge. The amount follows the PhilHealth case rate for the illness or procedure.
Can my family in the Philippines use my PhilHealth?
Yes, if they are listed as your dependents in your Member Data Record and your contributions are paid.
Where do I check if my payments are posted?
On the PhilHealth Member Portal or in the eGovPH app.
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