The Philippine Health Insurance Corporation, more commonly known as “PhilHealth,” is a government corporation tasked to implement universal healthcare in the country. Established in 1995, its main goal is “to ensure a sustainable national health insurance program” for all Filipinos. Members include workers in the public and private sectors, self-earning individuals, people in the informal sector, overseas Filipino workers (OFWs), and other categories.
If you are in the public or private sector, your company or employer is the one who pays your PhilHealth contributions. On the other hand, if you are a self-earning individual, OFW, or voluntary member – then you have to take care of these yourself. Fortunately, there are different ways to pay PhilHealth contributions, including over-the-counter and online payment methods.
Different Ways to Pay PhilHealth Contributions
PhilHealth contributions can be paid via over-the-counter transactions in several banks, “non-banks,” and select Local Government Units (LGUs). These banks include the Bank of Commerce, BDO Network Bank, China Banking Corporation, and Land Bank of the Philippines. Meanwhile, non-bank options include CIS Bayad Centers and SM Business Centers.
Likewise, contributions can be paid through several online platforms, namely: Bank of the Philippine Islands (via Bizlink), Security Bank Corporation (via Digibanker), and Union Bank of the Philippines (via OneHUB). Another method is through BancNet’s e-Gov facility, which is specifically for BancNet member like Asia United Bank Corporation, Maybank Philippines, Philippine National Bank, and Rizal Commercial Banking Corporation.
However, the above online payment options are available mostly for “corporate clients” and employers only. If you are a self-earning individual or voluntary member who wants to pay contributions online, you can try another method: the Moneygment mobile app.
Pay PhilHealth Online Using Moneygment App
According to the app’s description on Google Play, Moneygment is “an all-in-one financial solution for self-employed individuals, small to medium enterprises, homemakers, OFWs, and the general unbanked population.” You can use it to pay PhilHealth contributions, though you need to download the app, register, and create an account first. Take note of the following steps:
A. Account Creation and Registration
- Download and install the Moneygment app. It is available via Google Play at https://play.google.com/store/apps/details?id=ph.moneygment&hl=en&gl=US), or the App Store at https://apps.apple.com/ph/app/moneygment/id1331316738.
- Launch the app and click “Register Now.”
- Enter your email address and password, then click “Register.”
- You will receive an email message with a verification link. Click this link to activate your Moneygment account.
- Return to the app and log in using your email and password. A message will appear inviting you to create a profile. Click “Create.”
- Enter your name, birthdate, gender, phone number, source of funds, and other required information. Click “Next.”
- Enter your address, including the city or province, and zip code. Click “Next.”
- Enter your account numbers for PhilHealth, Social Security System, Pag-IBIG (yes, the app can be used for paying SSS and Pag-IBIG contributions, too). All of these fields are optional, though. Click “Save.” That’s it!
B. Paying Your PhilHealth Contribution
- Open the Moneygment app and log in to your account.
- Click the “Pay Pag-IBIG, PhilHealth, and SSS” icon.
- Click the “PhilHealth” tab.
- Enter your PhilHealth membership number.
- Choose your salary range (PHP 25,000 below or PHP 25,000 above).
- Choose your payor type (Employed, Self-Employed, Voluntary, or OFW).
- Choose your preferred payment term (Monthly, Quarterly, Semi-Annual, or Annual).
- Click “Submit,” then check all the details and click “Confirm.”
- Choose your preferred payment method and click “Proceed.”
- You will receive an email message as confirmation of your payment. Keep in mind that it could take 2-3 working days for Moneygment to verify your payment.
NOTE: The payment methods you can use to “top up” your Moneygment account include bank deposit (BDO, BPI, Bank of Commerce, Metrobank, PNB, RCBC), ECPay, 7-Eleven, Dragonpay (online banking, over-the-counter banking, ATM), and Paypal.
There you have it! As you can see, the Moneygment app appears to be the sole option for self-earning individuals, OFWs, and voluntary members who want to pay their contributions online. Let’s hope that more digital channels will be added to the list. In any case, for more information about membership, contributions, and benefits, you can visit the PhilHealth official website at http://www.philhealth.gov.ph/