Mga OFW's, Required ng magbayad ng 3% ng kanilang sweldo para sa Philippine Health Insurance

Source: governmentph Simula ngayong taon, ang mga Pilipino sa UAE at sa iba pang panig ng mundo ay required na magbayad ng 3% mula sa ka...

Source: governmentph

Simula ngayong taon, ang mga Pilipino sa UAE at sa iba pang panig ng mundo ay required na magbayad ng 3% mula sa kanilang salary para sa Philippine Health Insurance (PhilHealth).

Ang pagtaas ng PhilHealth premiums ay huling inihayag noong nakaraang taon, at nito lamang Abril 22, 2020, nag-publish ang korporasyon ng detailed circular na nagpapaliwanag tungkol sa kontribusyon at collection of payment mula sa mga overseas Filipino members.

Sinabi ng PhilHealth na ang expats’ three per cent premium rate ay mako-compute base sa kanilang buwanang suweldo, na may range set na P10,000 (Dh730) hanggang P60,000 (Dh 4,385).

Kung ang isang tao ay may monthly salary na mas mataas kaysa sa Dh4,385, magbabayad pa rin siya ng P1,800 (Dh132) buwan-buwan, o ang “three per cent of the incoming ceiling.”

Sa buong taon, ang expat earning Dh4,385 o higit pa ay makapagbabayad ng P21,600 (Dh1,579).

Ayon sa circular, "While the premium is computed based on the monthly income, payment shall be made every three-month, six-month or full 12-month period."

Dagdag pa rito, sinabing ang taong 2020 ang magsisilbing transition year, kaya ang initian payment na P2,400 (Dh175) ay magagawa para ma-meet ang mga bagong policy requirements. Subalit, ang natitirang balance ay dapat na mabayaran “within the year”.

“A member who fails to pay the premium after the due date set by the corporation shall be required to pay all missed contributions with monthly compound interest. By January 1, 2021, the minimum acceptable initial payment is a three-month premium based on the prescribed rate at the time of payment. Still, the member has the option to pay the balance in full or in quarterly payments.”

MEMBERSHIP MUST BE UPDATED
Sa ilalim ng Philippines’ universal healthcare law, ang mga overseas Filipinos ay “classified” bilang ‘direct contributors’ kaya naman, “payment and remittance of premium contributions is mandatory”.

Kailangan nilang i-update ang kanilang PhilHealth membership at magsumite ng proof of income, na siyang magsisilbing basis para sa mandatory contribution.

Sinasaklaw rin ng bagong polisiya ang mga taong hindi employed. "This circular covers all overseas Filipinos living and working abroad, including those on vacation and those waiting for documentation, whether registered or unregistered to the National Health Insurance Program".

COVERAGE INCLUDES HOSPITALIZATION ABROAD
Isang PhilHealth representative ang nagkumpirma na ang mga miyembro at ang kanilang dependents ay maaaring makagamit ng insurance’s benefits kahit na sila ay nasa labas ng bansa.

"Should a member be hospitalised abroad, he or she will just have to submit the bills, medical abstract and filled-out Claim Form 1 and Claim Form 2." Maaaring ma-download ang mga claim forms mula sa website ng PhilHealth.

"Documents should be submitted within 180 days after the patient has been discharged".

PREMIUM TO INCREASE YEARLY TILL 2024-25
Ayon sa circular, ang PhilHealth contributions ng Filipino expats ay tataas bawat taon hanggang 2024 – 2025.

Mula sa three per cent ngayong taon, ang premium ay magiging 3.5 per cent sa taong 2021; apat na porsiyento sa taong 2022; 4.5% sa taong 2023; at 5 per cent sa 2024 hanggang 2025.

Ang income ceiling ay tataas ng P70,000 (Dh5116) sa 2021, 80,000 (Dh5,847) sa taong 2022, 90,000 (Dh6,578) sa 2023, at 100,000 (Dh7,309) mula 2024 hanggang 2025.

Source: khaleejtimes

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