Payment Schemes for Premium Contributions
- PHCPs may choose between two payment options upon accreditation application:
- Full Payment: Pay premium contributions upfront covering the entire valid accreditation period (up to 3 years)
- Partial Payment: Pay premiums equivalent to current year's applicable quarters upfront, with subsequent payments due by March 31 of succeeding years
- Partial payment must cover total premiums within a maximum of three installments
- Example detailed illustrating quarterly payments aligned with accreditation validity
Timeline and Amounts for Partial Payments
- 1st Payment: upon application, covers premium contributions from application date to December of current year
- 2nd and 3rd Payments: due by March 31 of the following years; may cover one or more years of premium contributions
- Total payments cannot exceed three installments for the entire accreditation period
Consequences of Non-Payment
- Each missed payment (full or partial) during accreditation counts as one (1) violation
- Violations considered under PhilHealth Circular 10, s. 2008, affecting future accreditation renewal or re-accreditation
Income-Based Exemption from Premium Increase
- PHCPs with average family income of P25,000/month or less pay a fixed annual premium of P1,200 (P300 per quarter)
- Income eligibility must be supported by the latest Income Tax Return or Community Tax Certificate
- If claims data later shows income exceeding P25,000/month for 12 months, standard premium rates apply for remaining accreditation period
- PHCPs currently accredited but no longer formally employed remain responsible for individually paying premiums
Effectivity and Repeal of Inconsistent Guidelines
- This circular supersedes previous conflicting issuances and guidelines
- Effective 15 days after publication in the official gazette or a newspaper of general circulation
Signatory
- Signed and adopted by Dr. Rey B. Aquino, PhilHealth President and CEO, on March 22, 2011