Philhealth Registration

● Updated for 2026 · Independent guides

Your complete guide to PhilHealth registration, contributions and benefits

Clear, step-by-step help for employed, self-employed, OFW and senior members, plus employers. Know what to bring, what to pay and how to use your coverage without the confusion or the queues.
Start registration guide →
Check 2026 contributions
I am a:
Employee
Freelancer
OFW
Senior
Employer
  • Free to use
  • Reviewed against official sources
  • We never ask for your PIN or password
2026 premium at a glance
Direct contributors
of monthly basic income, split 50/50 for employees
0 %
Floor
₱10,000
Ceiling
₱100,000
Range
₱500–₱5,000

Registration checklist

  • Fill in the PMRF
  • Valid government ID
  • PSA birth certificate (if needed)
  • Dependents' documents (if any)
Member Portal
Check contributions online
In-depth guides covering every step
0
Member types explained
0
2026 premium rate, with examples†
0 %
Cost to use this site or register
₱ 0
Start here

What do you need to do today?

Pick your task. Each guide gives you a direct answer first, then the full steps, documents and common mistakes.

Check the requirements

See which documents you need as an employee, freelancer, OFW, senior or dependent, and avoid rejected applications.
Open checklist →
Popular

Register online

Follow the online route from preparing files to receiving your PIN, and learn what to do if your submission fails.
Start registering →

Know your contribution

Compute your monthly premium with the 5% rate, the floor and the ceiling, and see who pays what.†
See the 2026 table →

Pay PhilHealth online

Pay through e-wallets, bank apps or payment centers, then confirm the payment posted to your record.
How to pay →

Log in to the Member Portal

Create your account, reset your password and fix the most common login errors safely.
Login help →

Get or replace your ID

Understand the difference between your PIN, MDR and ID card, and recover a lost number.
PhilHealth ID guide →
2026 contributions

How much will you pay each month?

The 2026 premium rate is 5% of your monthly basic income, computed on a minimum of ₱10,000 and a maximum of ₱100,000. The total premium always falls between ₱500 and ₱5,000.†
Worked examples

Employee and employer shares

For employed members, the employer and employee each pay half. Allowances, bonuses and overtime are generally not counted.
Monthly basic incomeTotal premiumEmployee paysEmployer pays
₱8,000 (below floor)₱500₱250₱250
₱20,000₱1,000₱500₱500
₱40,000₱2,000₱1,000₱1,000
₱75,000₱3,750₱1,875₱1,875
₱180,000 (above ceiling)₱5,000₱2,500₱2,500
Full contribution guide →
Who pays?

Self-employed and voluntary members

You pay the full premium yourself, using the same 5% rate, floor and ceiling.
Employed: 50% you · 50% employer
Self-employed / voluntary: 100% you
Pay in minutes

Online payment channels

GCash
Maya
Bank apps
Payment centers
OFW partners
How to pay online →
Find your path

Choose your membership type

Registration, payment and documents differ depending on how you are covered. Select yours for the essentials.
How it works

Your PhilHealth journey in four steps

From your first registration to your first hospital claim, here is the path most members follow.
STEP 1

Register

Complete the PMRF, present a valid ID and receive your PhilHealth Identification Number.
Requirements →
STEP 2

Pay

Employees are deducted through payroll. Others pay the 5% premium through accredited channels.
How to pay →
STEP 3

Verify

Log in to the Member Portal to confirm your record, dependents and posted payments.
Portal login →
STEP 4

Use

Present your PIN or MDR at an accredited hospital and ask the PhilHealth desk how your benefit applies.
Benefits →
Get it right the first time

Documents to prepare and mistakes to avoid

Most delays come from small errors. Use this quick list, then read the full requirements guide for your member type.

Core documents

  • PMRF (PhilHealth Member Registration Form), filled in fully and legibly
  • Valid government ID, original and photocopy
  • PSA birth certificate when your name or birthdate must be verified
  • Proof of income for self-employed and voluntary members, if asked
  • Marriage and birth certificates to declare a spouse or children
Full requirements guide →

Five mistakes that cause delays

  • Misspelled names or wrong birthdates. Match your PSA certificate exactly.
  • Registering twice. Each person should have only one PIN.
  • Incomplete or unreadable sections on the PMRF.
  • Expired ID, or a photocopy without the original.
  • Declaring dependents who are not eligible.
Sending a representative? Get the letter →
Guide library

More PhilHealth guides

Everything else you may need, from office visits to hospital benefits.

PhilHealth near me

Find your Local Health Insurance Office, know which services it offers and what to bring.
Find an office →

Online appointment

Learn how office scheduling works, what to prepare and what to do when no slots are available.
Book a visit →

PhilHealth benefits

Inpatient, outpatient, maternity and high-cost illness coverage, plus how claims work.
See what is covered →

Authorization letter

A free, ready-to-use template so a representative can submit or claim documents for you.
Get the template →

Employer guide

Register your business, enroll employees, compute the split and remit on time.
Employer steps →

PhilHealth FAQ

Fast answers on registration, contributions, ID, appointments and benefits in one place.
Browse the FAQ →
For employers & HR

Stay compliant and keep your team covered

Registering your business, enrolling employees and remitting on time protects your people when they need care most, and protects you from interest and penalties.
  • Register as an employer and enroll new hires
  • Compute the 50/50 split with the correct floor and ceiling
  • Remit through the electronic system and reconcile monthly
Read the employer guide →
Premium rate (2026)†5%
Employer share2.5%
Employee share2.5%
Salary floor / ceiling₱10,000 / ₱100,000
Max total premium₱5,000
Stay safe

Protect yourself from PhilHealth scams

Fake sites, paid fixers and OTP phishing target members every year. Four simple rules keep you safe.

Registration is free

Never pay anyone to process a first-time registration or an appointment.

Never share OTPs

PhilHealth staff and payment apps never need your one-time password.

Check the domain

Log in only on philhealth.gov.ph and its official subdomains.

Keep your receipts

Save payment confirmations until they appear in your Member Portal.
Why trust this guide

Independent, plain-language and kept current

We are not PhilHealth and we do not sell placements or fast-track services. Our only job is to explain the process clearly and point you to the official source.
How we work →

Plain language

No legal jargon. Every guide starts with a direct answer.

Checked against official sources

Rates and steps are verified and dated, and uncertain details are flagged.

Privacy first

We do not ask for your PIN, password or ID scans.

Corrections welcome

Found an error? Tell us and we will fix it promptly.
FAQ

Common questions, straight answers

Short answers to what members ask most. Each links to the full guide.
See all FAQs →
PhilHealth, the Philippine Health Insurance Corporation, is the government health insurance program. Under the Universal Health Care Act (RA 11223) every Filipino citizen is covered. Read the requirements guide to confirm your member type.
The premium is 5% of monthly basic income, computed on a ₱10,000 floor and ₱100,000 ceiling, so the total is ₱500 to ₱5,000 per month. Employers and employees split it equally. See the contribution guide.†
Yes, PhilHealth offers online channels and steps can change, so follow our online registration guide and confirm on the official website.
Check old payslips, ask your employer’s HR, or view your Member Data Record. If you cannot find it, contact PhilHealth or visit a local office with a valid ID. See the PhilHealth ID guide.
Usually yes, with a signed authorization letter and valid IDs for both of you. Use our free authorization letter template and check with your office first.
No. This is an independent information site. Official services are on philhealth.gov.ph. Read our disclaimer.
Verify before you act. Rates, forms and procedures change. Details marked with † should be confirmed on the official PhilHealth website. This site cannot access or change your account.

Ready to get your PhilHealth membership in order?

Start with the requirements checklist, register online, then check your contributions. It takes minutes, not hours.
Start with the checklist →
Ask a question