PhilHealth for OFWs Abroad — Overseas Programme Guide 2026

PhilHealth's Overseas Programme provides affordable healthcare coverage for OFWs and their dependents in the Philippines. With contributions as low as PHP 4,800 per year, OFWs get hospitalisation benefits, outpatient coverage, and Z-benefit packages for catastrophic illnesses.

Mandatory: Under Republic Act 11223 (Universal Health Care Act), PhilHealth membership is mandatory for all Filipinos, including OFWs. Your contribution is based on your declared monthly income abroad.

Contribution Rates 2026

Monthly Income	Monthly Contribution	Annual Total
PHP 10,000 and below	PHP 400	PHP 4,800
PHP 10,001 – 99,999	5% of income (shared)	Varies
PHP 100,000 and above	PHP 5,000	PHP 60,000

For OFWs, the premium rate is 5% of monthly income with a floor of PHP 400 and ceiling of PHP 5,000/month. OFWs pay the full premium (no employer share).

Benefits Coverage

Inpatient Benefits

Room and board (PHP 800–1,500/day)
Drugs and medicines
Laboratory and diagnostics
Operating room fees
Professional fees (surgeon, anaesthesiologist)

Outpatient Benefits

Primary care consultations
Outpatient drugs and medicines
Maternity package (PHP 8,000–19,000)
TB-DOTS, HIV, malaria treatment
Animal bite treatment

Z-Benefits (Catastrophic Packages)

Breast cancer — up to PHP 100,000
Prostate cancer — up to PHP 100,000
Kidney transplant — up to PHP 600,000
Coronary artery bypass — up to PHP 550,000
Leukaemia, lymphoma — up to PHP 210,000

How to Register / Pay Abroad

Registration

Register online at philhealth.gov.ph or the PhilHealth Member Portal
Present your PhilHealth ID Number (PIN) at the POLO/MWO office at the Philippine embassy
For new members: bring passport, OEC, and completed PMRF (PhilHealth Member Registration Form)

Payment Options Abroad

POLO/MWO offices at Philippine embassies
Online banking through Philippine bank accounts (BDO, BPI, Metrobank)
GCash / Maya — pay via mobile wallet
Bayad Center / 7-Eleven — have family pay in the Philippines

How to File Claims

Your dependent in the Philippines gets treated at a PhilHealth-accredited hospital
Present the PhilHealth ID or MDR number at the hospital
For accredited hospitals: benefits are automatically deducted from the bill
For non-accredited facilities: file a claim within 60 days at the nearest PhilHealth office
Required: official receipt, claim form, medical records, PhilHealth MDR

Min contribution: PHP 400/month
Max contribution: PHP 5,000/month
Dependents covered: Spouse + children
Claims period: Within 60 days
Hotline: +63 2 8441-7442

OFW Services