Philippine Health Insurance
PhilHealth Contribution Calculator 2026
Estimate the monthly PhilHealth premium and the employee share deducted from payroll. The calculator applies the 5% premium rate within the income floor and ceiling, then splits the premium equally between employee and employer.
Official Standards & Rule Matrix
Premium rate5% of monthly basic salary
Income range₱10,000 floor to ₱100,000 ceiling
Split50% employee, 50% employer
Payroll viewMonthly premium and per-pay-period deduction
How to use this tool
- Enter the monthly basic salary.
- The calculator applies the floor or ceiling if the salary is outside the range.
- Review the total premium and the employee’s 50% share.
- Compare the employee share with the PhilHealth deduction on the payslip.
Computed completely in your browser. No personal data or numbers are transmitted over the network.
Frequently Asked Questions
- Is PhilHealth based on basic salary only?
- The premium is generally based on monthly basic salary, not allowances or overtime. Confirm with your payroll because some employers use a different premium base.
- What if my salary is below ₱10,000?
- The calculator uses the ₱10,000 floor, so the premium does not go below the minimum. The same logic applies at the ₱100,000 ceiling.
- Do employers pay half?
- Yes. The premium is split equally between employee and employer. The employee share is the amount deducted from take-home pay.
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