How to Register for PhilHealth: A Step-by-Step Guide for Employees, Self-Employed, and OFWs

PhilHealth, the Philippines’ national health insurance program, provides affordable healthcare coverage to all Filipinos. Whether you’re an employee, self-employed, or an Overseas Filipino Worker (OFW), registering with PhilHealth ensures you and your dependents have access to essential medical benefits. This step-by-step guide outlines the registration process for each category, ensuring compliance with the latest PhilHealth guidelines.

Who Needs to Register for PhilHealth?

PhilHealth membership is mandatory for the following groups:

• Employed Individuals – Those working in private and public sectors.
• Self-Employed or Voluntary Members – Freelancers, professionals, small business owners, and others who render services or sell goods outside of an employer-employee relationship.
• Overseas Filipino Workers (OFWs) – Both land-based and sea-based workers.
• Senior Citizens, Indigents, and Sponsored Members – Automatically covered by the government.

PhilHealth Registration Requirements

Before registering, prepare the following documents:

For Employees:

• PhilHealth Member Registration Form (PMRF)
• Valid Government-Issued ID – Such as a passport, driver’s license, or UMID.
• Birth Certificate – For dependent registration.
• Certificate of Employment – Provided by your employer.

For Self-Employed / Voluntary Members:

• PhilHealth Member Registration Form (PMRF)
• Valid Government-Issued ID
• Proof of Income – Documents like DTI/SEC registration for business owners, BIR Form 1701 for professionals, or an affidavit of source of income.

For OFWs:

• PhilHealth Member Registration Form (PMRF)
• Valid Passport
• Proof of Employment Abroad – Such as an Overseas Employment Certificate (OEC), valid work visa, or employment contract.

Step-by-Step PhilHealth Registration Process

1. How to Register as an Employee

1. Obtain a PMRF Form – Your employer will provide this, or you can download it from the PhilHealth website.
2. Fill Out the Form – Complete all required fields, including personal details and employer information.
3. Submit to Employer – Your employer will process your registration with PhilHealth.
4. Receive Your PhilHealth Identification Number (PIN) – This will be assigned to you and used for future transactions.
5. Start Contributions – Employers deduct monthly contributions and remit them to PhilHealth.

2. How to Register as Self-Employed / Voluntary Member

1. Download the PMRF Form – Available on the PhilHealth website.
2. Fill Out the Form – Provide your personal details and declared income.
3. Submit the Form and Requirements – Visit any Local Health Insurance Office (LHIO) or PhilHealth Express outlet nationwide.
4. Receive Your PhilHealth Identification Number (PIN) – After successful registration.
5. Pay Your Contributions – Payments can be made quarterly, semi-annually, or annually through accredited banks, payment centers, or online payment platforms.

3. How to Register as an OFW

1. Download and Fill Out the PMRF Form – Available on the PhilHealth website.
2. Submit Requirements – To any PhilHealth office, Philippine Overseas Employment Administration (POEA) office, or online via PhilHealth’s electronic registration system.
3. Receive Your PhilHealth Identification Number (PIN) – After verification.
4. Pay Contributions – Through accredited banks, remittance centers, or online platforms like GCash and Maya.

PhilHealth Contribution Rates (2025)

As of 2025, the premium contribution rate is set at 5.0% of the Monthly Basic Salary (MBS), with an income floor of ₱10,000 and an income ceiling of ₱100,000.

• Minimum Contribution: ₱500.00 (for MBS of ₱10,000)
• Maximum Contribution: ₱5,000.00 (for MBS of ₱100,000 and above)

Employers and employees share the contribution equally.

How to Check Your PhilHealth Contributions

1. Visit the PhilHealth Member Portal – Accessible on the PhilHealth website.
2. Log In Using Your PhilHealth Identification Number (PIN) – Ensure you have your PIN and password.
3. Check Contribution Records – To ensure payments are updated.

PhilHealth Benefits

Once registered, you and your qualified dependents can avail of benefits such as:

• Inpatient and Outpatient Services – Coverage for hospital confinements and day surgeries.
• Maternity Benefits – Assistance for childbirth and pregnancy-related expenses.
• Z Benefits – Treatment for catastrophic illnesses like cancer, kidney transplants, and severe heart conditions.
• Primary Care Benefits – Access to check-ups, laboratory tests, and medicines through PhilHealth Konsulta providers.

Final Thoughts

Registering for PhilHealth is a crucial step in securing affordable healthcare coverage for yourself and your dependents. By ensuring timely contributions and keeping your records updated, you can maximize the benefits offered by the national health insurance program. Whether you’re an employee, a self-employed individual, or an OFW, following this guide will help you navigate the registration process smoothly.

For more information, visit www.philhealth.gov.ph or contact their hotline at (02) 8441-7442.