My friends here in the Philippines, are you in good health? How about your family? I hope everybody is at the pink of health especially that it’s the flu season. If you or any of your family members need special medical condition, I hope that they will get well the soonest.
Getting sick, being hospitalized or any accidents may happen to us without a warning. So it is best that we all take very good care of ourselves and of our love ones. As the saying goes, “Health is wealth”. But if any of the unfortunate events mentioned happened to you or your loved ones, I hope that everybody has the means to go to the doctor and pay for any dues in the hospital.
As a part of the Philippine work force, we have the privilege of using our Philhealth benefits. Philhealth or the Philippine Health Insurance Corporation “was created in 1995 to create a universal health coverage for the Philippines. It is a tax-exempt, government-owned and government-controlled corporation (GOCC) of the Philippines, and is attached to the Department. It states its goal as insuring a sustainable insurance program for all. “ it is one of the things we enjoy and have the right to avail in case of need. (Source Wikipedia)
Just recently, my mother underwent laser eye surgery to remove her cataract. After check-up, her Ophthalmologist asked me to prepare everything needed for her operation which includes all Philhealth requirements. Since my information was not updated, I spent days and long hours just to take care of it. Lesson learned: make sure all your information is correct and updated.
My friend, in order for you not to experience the same mistake I’ve had, here are some tips:
1. Check with your employer if you are a Philhealth member
All companies should register their employees to this. To verify, ask your Human Resources Department or Compensation and Benefits Department in your office. The easiest way is to check your payslip. If you were deducted a certain amount tagged as “Philhealth”, it means your company is doing their share to ensure you will get your privileges in using this Government service.
If you are not yet a member of Philhealth, secure a PMRF or Philhealth Member Registration Form from your HR or from any Philhealth offices near you. You may get a copy of PMRF here or register online by clicking here.
2. Ensure that your qualified dependents were registered under your name.
If you will apply for membership, include the names of those people that you want to be your dependent, which means these people can enjoy the Philhealth privileges by using your Philhealth number. Those who can be your dependent are your parents who are 60 years old and above, your legal spouse and your children who are under the age of 21 or above 21 and permanently disabled. If you register them, make sure that you attach original copies of legal documents confirming your relationship to them. For your parents, it’s their authenticated Birth Certificate & Marriage Contract. For your spouse, its your authenticated Marriage Certificate. Together with your marriage contract, add your kids authenticated Birth Certificate on the form you filled out. If you opt to register online, scanned the documents and attach them on the option provided.
If you registered online, you just have to wait for an email confirmation if your registration was successful. If you filled out their form the traditional way, you may forward it to your HR together with the original copies of the requirements mentioned. It might take a while for the records to be updated. If you are in a hurry, go to your nearest Philhealth branch and submit it personally to them. You can check the nearest Philhealth offices here. The great thing about submitting it to their office is you will immediately be given your official Philhealth card with your updated MDR (Member Data Record) which you can use to avail of the privileges, if needed.
Let’s just say you successfully registered to Philhealth and now want to avail of the benefits since you or your dependents need it, here are the things you need to check:
– The hospital/clinic is an accredited hospital of Philhealth (usually, they have posters/signage saying that they are)
– Attending Physician or Doctor is a Philhealth member
– Have paid at least 3 months premium within 6 months prior to confinement or availment
– The 45 days allowance for hospital room and board is not consumed yet
If you are sure of all listed above, secure the following forms and documents before settling your hospital bill:
1. CF 1 or Claim Form 1 – You may get this from your HR or Philhealth offices or click on here for a copy. Fill out all information at Part 1 in CAPITAL LETTERS. Part 2 of the form should be filled by your HR Specialist or your employer.
2. MDR or Member Data Record (2 copies) – For big companies, they can provide you a copy from your HR. But usually, you can get this from Philhealth offices. This form confirms that you are a member of Philhealth with the list of approved qualified dependents.
UPDATED: If you already have a MDR, keep one or two copies at home. That way, you have a back-up in case of any emergencies when you need to use them e.g., any accident that may happen to you or your dependents.
3. Schedule of Compensation – You can only avail this from your employer or HR Department. This is a proof that you and your company have paid the minimun required contribution to avail of the benefits.
UPDATED: I am very lucky since I get this within the day I requested for it from my company. But for some, it might take a day to process it. The point is, companies should have easy access to your record of contribution.
Some medical conditions may need to fill out other forms or documents (like Chemotheraphy or giving birth) but the ones listed about are the basics. For more questions, you may log on to their website at www.philhealth.gov.ph/ or call them at (+632) 441-7442.
My friend, be safe always!