How to Use Your Philhealth for Hospitalization

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.[1] 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.

PMRF or Philhealth Member Registration Form

PMRF or Philhealth Member Registration Form

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.

CF1 or Claim Form 1

CF1 or Claim Form 1

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.

Sample of the latest MDR or Member Data Record taken from

Sample of the latest MDR or Member Data Record taken from

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 or call them at (+632) 441-7442.


My friend, be safe always!



Amazing Things To Do Before *insert age or life event here*

My friend, what is the most amazing thing you have done in your life?  Did you have fun after doing it?  I am very sure you can still remember all the wild details of your adventure.  Glad to know that you did something really awesome.

It is fun to try out something different, those that you never done before.  It adds zest to life, makes it exciting, nerve-wrecking, eyes dropping, heart-pounding and more!  Once a while, you have to try out something different from your usual routine to make an ordinary day extra special.

As an active web browser chick who subscribe to “Thought Catalog“, I always see an article about the things to try out before reaching a certain age.  All of the suggestions were very creative.  It’s just that, in my opinion at least, you don’t have to do all of them before you reach a certain age, status or whatever.  If you have the opportunity, study it well and grab it!

To those who know me they describe me as a nerdy, church-goer, shy & goody-two-shoe kind of girl that obeys every detail that parents will say.  In short, a very very bland gal.  Well, that’s what they think.  Though I always play on the safe side, I also did some amazing things that not everybody had experienced before.  So for those like me who always play safe, the ones who don’t believe in the motto YOLO (You Only Live Once – fyi for the oldies.  Hehe), here are some things you can do that some I have tried.  Especially that I am seeing a lot of people scanning posts like this and also to give you some other options that is possible because I tried them.

HOLD ON!  Before you leave and tried these out, always consider your health and your budget.  It’s fun to enjoy them but make sure you take all possible precautionary measures for you not to get hurt physically, emotionally, financially, and will not aggrevate another person’s feelings or reputation.

Here’s my bucket list:

[x]  Be at two places at the same time

You may recall the movie or the book “A Walk To Remember” on the scene when the leading man named Landon Carter asked his lady love Jamie Sullivan to stand between the border of two states since this was one item on her bucket list.  Yeah, that can be done.  But to make it more exciting, I add this and number two at the same time which is:

[x]  Swim at two bodies of water at the same time

Yes!  I did it literally!  How?  Where?  When?

My favorite travel buddies love the beaches at Patar, Bolinao, Pangasinan because of its serenity and ruggedness.  I believe that was in 2008.  We went there after a storm and after that town was devastated not only by the typhoon but also of tornado.  The path where the tornado went created a wide stream that connected the sea to the river.  An older friend of ours (we call him Sir Romie) told us that the other part of the stream was a river.  We did not believe him because we did not see any line or partision or border to see it.  He then challenged us to taste the water from two sides, and so we did.  The other part, the most obvious part was salty because it came directly from the sea.  But the other side of the small stream was not!  Nature is so mysterious in a beautiful way.  So we took this picture while we frolic on two bodies of water:

On the right is the West Philippine Sea, the left is the river of Bolinao, Pangasinan

On the left is the West Philippine Sea, the right is the river of Bolinao, Pangasinan

To continue with what I accomplished and pending goals on my bucket list, here it is:

[x]  Speak in public in front of (more than) a hundred audience

[x]  Learn to converse in foreign language (I have learned to speak & write in French & Spanish.  Thanks to my Foreign Language subject in College & Instituto de Cervantes)

[]  Re-learn my French in Paris, and Spanish in Spain

[x]  Create your own recipe (Click here to view it.  So far, it is my most popular blog post.  Thanks to all of you!)

[]  Ace baking (my biggest frustration as a kitchen person is me not being good at baking)

[]  Visit a flower field/farm

[x]  Party from sundown till noon the next day and attend a class after (did it in College)

[x]  Party from sundown to sun up then go to work after

[x]  Be at a volcanoes crater (See my blog post about it here)

[x]  Ride a Boeing 747 plane

[]  Fly Business Class to any international destination

[x]  Go on a blind date (hmm… will not provide details. HAHA!)

[x]  Be promoted at work

[x]  Run for public office (Somewhat I did this.  I was a VP candidate at our school government before)

[x]  Graduate with flying colors

[]  Have a second degree

[]  Enrol in Six Sigma and be certified with it

[]  Hop on a big ferris wheel (either at the London Eye or Singapore Flyer in SG)

[x]  Go on a cruise

[x]  Try wakeboarding, cliff diving, wall climbing, rock climbing, zipline

Different physical pursuits I have tried so far

Different physical pursuits I have tried so far

[]  Do sky jump at Macau Tower

[]  Master wakeboarding

[]  Be good at swimming

[]  Learn scuba-diving

[]  Scuba dive at Tubbataha Reef

[]  Go to Onuk Island in Southern Palawan

[]  Stay either at Lagen or Miniloc Island (both are in El Nido, Palawan)

[]  Go to Batanes

[]  Go to Maldives or Seychelles and enjoy their beaches

[x]  See a rainbow’s end

[]  Tour United Kingdom

[]  Meet a real Prince and/or Princess, or the Queen of England

[]  Tour the Holy Land

[]  Tour Italy (Milan, Tuscany, Rome, Vatican City)

[x]  Go to Ilocos Norte and see Bangui Windmills, Paoay Church & Cape Bojeador Lighthouse

My Ilocos Norte dream came true!

My Ilocos Norte dream came true!

[]  Experience autumn & winter

[]  Make snowman & snow angel

[]  See cherry blossoms in full bloom

[]  See a live turtle on an island and set it free

[]  Tour Singapore-Malaysia-Bintan Island for a holiday

[x]  Kiss a total stranger

[x]  Do ballroom dancing and be good at it

[x]  Sing solo on stage in public

[x]  Cross another island via sandbar

[x]  Overnight stay in a floating house located in the middle of the sea

[x]  Stay in a luxury resort

[x]  Live on my own

[]  Have my own house under my name that I paid with my own money

[]  Stay in a luxury hotel in Manila (This is strange.  I worked in a luxury hotel in  Manila before but I haven’t stayed in it as a guest)

[x]  Write a letter to my favorite author

[x]  Buy a diamond jewelry with my own money (but a woman can’t get enough of diamonds.  I’d like to invest more on jewelries)

[x]  Spend a night sleeping under the stars

[x]  Watch sunset and then wait to watch the sunrise

[x]  Start a business

[]  Have a successful business

[]  Buy stocks and get a huge profit from it

[x]  Eat a strange meal (the ones with meats of animals like crocodile, woodworm, frog, etc.)

This is wood worm or "tamilok".  A strange meal in Puerto Prinsesa, Palawan

This is woodworm or “tamilok” soaked in vinegar. A strange meal in Puerto Prinsesa, Palawan

[x]  Go on vacation and hop on different hotels everyday (happened 2 years ago in Palawan)

[x]  Join a festival and their street dancing

[x]  Dance under the rain

[x]  Kiss under the rain with full moon (It’s true and the most magical experience I’ve had!!!)

[]  Witness a meteor shower

[]  See a comet

[]  See another planet clearly (from a telescope or from an eclipse)

[x]  Not speak for a day

[x]  Make a donation

[x]  Help someone to finish his/her  education

[x]  Witness  Solar and Lunar Eclipse

[]  Witness Aurora Borealis

[x]  Go dolphin watching at open sea (and not on whatever animal circus)

[x]  Swim with dolphins or any friendly whales or the gentle whale shark

[x]  Have my fortune told

[x]  Join a fun run

Successfully finished a Fun Run!

Successfully finished a Fun Run!

[x]  Win in any game of chance (in a casino, lottery, bingo and raffle draw even if it is not the grand prize)

[x]  Keep a blog

[]  Earn profit from my blog

[]  Visit at least one country from Asia (done!), Europe, North America, South America, Africa & Ocenia

[x]  Explore Angkor Wat in Siem Reap, Cambodia

[]  Go to France & see Musée du Louvre, Eiffel Tower, Champs-Élysées, Arc de Triomphe, Provence for their lavender field & any champagne winery

[]  Live in another country for a month

[]  Visit the remains of my 3rd grandparents in Australia

[x]  Go on vacation in any nice place in Mindanao

[x]  Learn any self-defense (boxing, muay thai, karate or aikido)

[]  Do wild water rafting

[x]  Go on a safari

[]  Touch a tiger

[x]  Ride on top of an elephant

[]  Hug a real live bear (panda or koala)

[x]  See Mickey & Minnie Mouse

Mickey & Minnie Mouse taken last February 2013 at HK Disneyland

Mickey & Minnie Mouse taken last February 2013 at HK Disneyland

[]  Buy a car from my own savings

[]  Be an expert driver without me screaming every time I take major roads (like SLEX, NLEX, SCTEX) especially at night

[]  See Christ the Redeemer in Brazil

[]  Shop in New York

[]  Shop in Beverly Hills in CA

[]  Spend a holiday overseas with my Mother

[]  See the New Year’s ball drop in NY

[x]  Ride a bullet train

[]  Go to DMX – border of North & South Korea (very intriguing place for me)

[]  Go clubbing overseas (Ibiza, Mykonos, Singapore, London, Las Vegas & NY seems to be the best venue.  Any of them will do.  HAHA!)

[x]  Own a lasting leather designer bag (Balenciaga!!!)

Oh, Balenciaga Classic Town.  When will you be mine?

Oh, Balenciaga Classic Town. When will you be mine?

[]  Go to a spa in Bali, Indonesia and enjoy their famous massage

[]  Build a tent and go camping

[x]  Spend all of my salary on a shopping spree

[x]  Have braces (already a graduate from it)

[]  Pay my insurance in full (almost done!)

[]  Touch the clouds

[]  Go on a hot air balloon ride

[]  Ride a helicopter

[x]  Swim with “Nemo” or a Clown Fish


Me under the sea of Boracay with Nemo!!!

[x]  Find true love

[x]  Open a savings account and consistently deposit money on it

[]  Open a saving account in any foreign currency ($$$)

[]  Be debt-free (with the list I have here, it’s quite impossible.  HAHAHA!)

That’s it!  I’m done with some but still got a long way to go.  Actually, some of it are already in a process of being fullfilled.  I will let you know once I go about it on preparation and tell you the experience I have while accomplishing it.  But for now, let me go back to work and earn more so I can fullfill all of it.

My friend, what’s on your bucket list?  Share it to me and I might help you make it come true.