Topic hub
Health coverage
PhilHealth premiums and how they fit into payroll. Medical benefit rules change — verify circulars on the official PhilHealth website.
Scope of this hub
This hub centers on PhilHealth as it affects payroll: how premiums relate to income and how they appear alongside SSS and Pag-IBIG in a typical payslip. We link the salary calculator so you can see the full deduction picture.
We do not compare private HMO plans, process claims, or provide medical advice. For benefit entitlements and contributions, PhilHealth’s official site and your employer’s HR are the primary sources.
Related tools and reading
Use the Government benefits hub for SSS MSC and contribution detail. The PhilHealth premium guide article walks through rate logic in plain language. If you are modeling total take-home pay, start from gross in the salary calculator after skimming the premium guide.
If you are comparing employer benefits, separate statutory PhilHealth deductions from private HMO coverage, reimbursements, and company medical allowances. They appear together in HR conversations but follow different rules and documents.
Calculators
Guides & articles
All articlesHow to Compute Salary in the Philippines (2026 Guide)
Complete guide to computing your net take-home pay in the Philippines. Learn how SSS, PhilHealth, Pag-IBIG, and income tax affect your monthly salary.
Health · 10 min readPhilHealth Premiums in the Philippines: A Guide for Employees
Understand how PhilHealth premiums are typically computed on salary, why shares are split between employee and employer, and where to verify official rates.
Health · 10 min readPhilHealth vs HMO in the Philippines: How They Work Together
A practical explanation of PhilHealth and private HMO roles, where each is useful, and why many households treat them as complementary layers.
Health hub FAQs
Why is there only one calculator listed here?
How do I dispute a wrong PhilHealth deduction?
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