Philippines PhilHealth Premium Calculator (Employer & Employee)
The monthly premium and who pays it, for employees, kasambahay and self-paying members.
Philippines · PhilHealth PhilHealth’s premium table for direct contributors · Sources
Who pays what
How this was calculated
Each employee
Rules and official sources
- PhilHealth: premium contribution schedule for direct contributors (Circular 2019-0009)
- PhilHealth: employers (contribution table, payment and reporting)
- PhilHealth Circular 2020-0005: premium contribution schedule under the Universal Health Care Act
- PhilHealth Circular 2026-0011: coverage of self-paying members
- Republic Act No. 11223 (Universal Health Care Act)
- Republic Act No. 10361 (Batas Kasambahay)
- DOLE Bureau of Working Conditions: Handbook on Workers’ Statutory Monetary Benefits
An estimate, not legal or payroll advice. PhilHealth’s own records and computation prevail.
Results are estimates for general information and planning, not financial advice. Banks and institutions may calculate differently (rounding, fees, rate changes). Confirm figures with your lender or a qualified adviser before deciding.
About the Philippines PhilHealth Premium Calculator (Employer & Employee)
Enter a monthly basic salary and see the PhilHealth premium as PhilHealth's schedule for direct contributors sets it: 5% of the monthly basic salary, worked out on ₱10,000 when the salary is lower and on ₱100,000 when it is higher, so the premium runs from ₱500 to ₱5,000 a month. The calculator then splits it the way PhilHealth's rules do — equally between employer and employee, all by the household employer for a kasambahay earning less than ₱5,000, all by the member for self-earning people, professionals and land-based OFWs.
Daily-paid employees get the equivalent monthly rate of the DOLE handbook, an employed person with disability gets the National Government's share, and employers can paste a whole payroll to get every premium and the totals to remit as a CSV file. The rate, floor and ceiling are editable in case PhilHealth publishes a new schedule. Everything runs in your browser.
How to use it
- Choose the kind of member: an employee (private or government, sea-based OFWs too), a kasambahay, or a self-paying member (self-earning, professional, land-based OFW or Filipino abroad).
- Enter the monthly basic salary — or, for a self-paying member, the monthly income. For a daily-paid employee choose “By the day”, enter the daily rate and how many days a year it is paid for.
- Read the premium, the employer and employee shares, what that comes to for the year and how much each of two paydays would deduct.
- For a whole payroll, open “Several employees”, paste one employee a line (name, then monthly basic salary) and download the list as a CSV file.
- If PhilHealth announces a different rate, floor or ceiling, change them under “Schedule” and the figures follow.
Examples
Premium ₱1,250 a month · employee ₱625 · employer ₱625 · ₱15,000 for the year
Monthly basic salary ₱8,500
Premium ₱500 (5% of the ₱10,000 floor) · ₱250 each
Monthly basic salary ₱150,000
Premium ₱5,000 (5% of the ₱100,000 ceiling) · ₱2,500 each
₱800 a day, 6 days a week (313 days a year)
Monthly basic salary ₱800 × 313 ÷ 12 = ₱20,866.67 · premium ₱1,043.33 · employee ₱521.67 · employer ₱521.66
An odd centavo goes to the employee share here; a payroll system may round it to the employer instead.
Premium ₱500 (the floor) · household employer ₱500 · kasambahay ₱0
Self-paying member · monthly income ₱40,000
Premium ₱2,000 a month, all paid by the member · ₱24,000 for the year
Common uses
- Check the PhilHealth deduction on your payslip.
- Budget the employer’s share of PhilHealth for a new hire or a whole payroll.
- Work out a freelancer’s or OFW’s premium for the year.
- Compute a kasambahay’s premium as a household employer.
The premium schedule
PhilHealth's contribution table for direct contributors (PhilHealth contribution table, from Circular 2020-0005) ends with a premium rate of 5% of the monthly basic salary, an income floor of ₱10,000 (premium ₱500) and a ceiling of ₱100,000 (premium ₱5,000) — the last step of the schedule in Section 10 of the Universal Health Care Act. PhilHealth still publishes this table on its employers page.
The premium is worked out on the floor when the salary is lower and on the ceiling when it is higher. The monthly basic salary is the fixed basic pay: it leaves out commissions, overtime, allowances, the 13th month pay and bonuses, and it is not reduced for undertime, tardiness, unpaid leave or absences.
Who pays the premium
- Employees in the private or government sector, including sea-based OFWs: the premium is shared equally by the employee and the employer (Circular 2020-0005 V.B).
- Kasambahay: the household employer pays the whole premium, unless the kasambahay earns ₱5,000 a month or more; then the kasambahay pays the proportionate share (V.G; RA 10361 s. 30).
- Self-paying members — self-earning individuals, professional practitioners, land-based OFWs and other members without an employer — pay the whole premium on their monthly income (V.E; Circular 2026-0011).
- Employed persons with disability: the employer pays its half and the National Government the employee share (V.H).
Daily-paid employees
For daily-paid employees the monthly basic salary is the estimated equivalent monthly rate of the DOLE-BWC handbook (Circular 2020-0005 IV.F): the daily rate times the days a year it is paid for, divided by 12. The handbook uses 365 days for monthly-paid employees, 395 for those who work every day including rest days and holidays, 313 for a six-day week and 261 for a five-day week (305 and 253 when the special days are not paid).
Paying, and paying late
Employers deduct the employee share, add their own and remit both. Self-paying members may pay any number of months at a time, but every month of a calendar year must be paid by 31 December; they have a one-month grace period, after which unpaid premiums carry interest (Circular 2026-0011). Under Section 9 of the UHC Act late premiums carry interest compounded monthly: at least 3% for employers and not more than 1.5% for self-earning members, professionals and workers abroad. Missing a payment does not stop anyone from using PhilHealth benefits, but the missed premiums and interest stay due.
Limitations
- Uses the last row of PhilHealth’s published premium table. If PhilHealth publishes a different schedule, enter the new rate, floor and ceiling under “Schedule”.
- Indirect contributors (whose premiums the government pays), lifetime members and senior citizens covered by the national government are not worked out.
- Where a premium has an odd centavo the calculator gives it to the employee share; employers’ systems may round the other way.
- An estimate, not legal or payroll advice: PhilHealth’s own records and computation prevail.
Privacy
Everything happens in your browser. What you enter or open here is not uploaded or stored by MySmartCoPilot.
Frequently asked questions
How much is the PhilHealth contribution?
5% of the monthly basic salary, never less than ₱500 (a salary of ₱10,000 or less) and never more than ₱5,000 (₱100,000 or more). An employee pays half and the employer half: on ₱25,000, ₱625 each.
Is PhilHealth based on gross pay or basic pay?
On the monthly basic salary: the fixed basic pay, without overtime, commissions, allowances, the 13th month pay or bonuses. Deductions for absences or tardiness do not lower it either.
How much is PhilHealth for the self-employed, freelancers and OFWs?
Self-earning individuals, professionals and land-based OFWs pay the whole premium themselves: 5% of their monthly income, from ₱500 to ₱5,000 a month. Sea-based OFWs share it with their manning agency like employees.
How much is deducted each payday?
The employee share is a monthly amount. When an employer deducts it over two paydays, each takes half: ₱312.50 of a ₱625 share. Some employers deduct the whole share on one payday instead.
Does a kasambahay pay PhilHealth?
Only from a monthly salary of ₱5,000. Below that, the household employer pays the whole premium — at least ₱500 a month, because the premium is worked out on the ₱10,000 floor.
Is my salary sent anywhere?
No. Everything, including a pasted payroll list, is worked out in your browser; nothing is uploaded or stored, and the page works offline once it has loaded.