Details about the PhilHealth Beneficiaries Eligibilities
PHILHEALTH BENEFICIARIES – Here is a guide on who are covered by the insurance of a member under the Philippine Health Insurance Corporation.
Are you one of the members of the Philippine Health Insurance Corporation or more popularly called PhilHealth? Or you might be one of those people who are about to process a membership to the state-run social insurance institution?
Undeniably, although the PhilHealth coverage which includes the PhilHealth Konsulta Package Benefits may not offer as big as the private health insurance offers, the health insurance under the state-run social insurance agency is a more affordable option. It can be one of the preparations against the unforeseen medical situations most especially for middle and low-earner individuals.
The PhilHealth membership is open for a lot of individuals coming from different walks of life. Here are those who come up the member populace of the state-run health insurance institution:
- private employees of both local and foreign business organizations, corporations, partnerships, and institutions
- government employees
- all workers rendering service
- owners of micro enterprises
- owners of small, medium, and large enterprises
- household helpers
- family drivers
Aside from the member, there are PhilHealth beneficiaries. These are dependents of the member who are entitled to a separate coverage of the insurance offer. Here are the individuals considered dependents of a member:
- legal spouse who is not a PhilHealth member
- child or children below 21 years old, single and unemployed
- legitimate, legitimated, acknowledged and illegitimate, adopted or stepchild or stepchildren
- children who are twenty-one (21) years old or above but suffering from congenital disability
- Foster child as defined in Republic Act 10165 otherwise known as the Foster Care Act of 2012
- parents of PhilHealth member who are at least aged 60 and not members of PhilHealth and whose monthly income is lower than an amount to be determined by PhilHealth in accordance with the guiding principles set forth in the NHI Act of 2013
- parents with permanent disability regardless of age as determined by PhilHealth
The PhilHealth beneficiaries are entitled to up to 45 days of coverage in a year. The said separate coverage is shared by all the dependents of a PhilHealth member.