Declaration of Dependents: A Comprehesive Guide

Declaration of dependents in the Philippines Health Insurance Corporation, or PhilHealth is important to ensure that your family has access to quality healthcare. It also helps you save money on premiums and offer discounts on certain medical services. If you are a married parent with dependent children, you are legally obliged to declare them as such to benefit from the opportunities offered by the government.

We will discuss who qualifies as a dependent under PhilHealth law and regulations, what documents need to accompany the declaration form, how much it costs to register yourself and your dependents with PhilHealth coverage, and more. By knowing these answers in advance before declaring your dependents with PhilHealth, you can save time and money while ensuring your loved ones have access to quality healthcare coverage. So let’s begin!

What is PhilHealth?

PhilHealth is a government-owned and controlled corporation mandated to provide social security insurance services to Filipino citizens. It offers financial assistance to members in case of sickness or disability and covers hospitalization expenses such as room confinement, doctor’s fee, laboratory fees, and medicine.

Related: PhilHealth Contribution 2022

Who Qualifies for Dependent Coverage Under PhilHealth Law?

Aside from your spouse, other individuals can be registered as dependents under your PhilHealth policy. It includes:

Children below the age of 21 or those enrolled in school full-time, including any adopted or stepchild living in the same household;
Parents who have an annual income not exceeding P50,000;
Siblings related to you by blood or marriage who don’t have their coverage and with a total annual income not higher than P30,000;
Legitimate spouses who are not members;
Children over 21 suffering from a congenital disability (as determined by PhilHealth) that render them dependent on the member for support;
Foster children are defined in Republic Act 10165 (Foster Care Act of 2012);
Parents aged 60 years old and above whose monthly income is below an amount determined by PhilHealth;
Parents with permanent disabilities, regardless of age, render them dependent on the member for subsistence.

These qualified dependents are then entitled to coverage of up to 45 days per calendar year – however, this allowance shall be shared among them all.

The principal member must declare qualified dependents, and their names must be listed under the member’s Member Data Record (MDR) to ensure hassle-free availment of benefits. All dependent coverage must be registered under the same policy as the primary member. It will enable them to access all associated benefits and services and ensure that claims are processed quickly and efficiently.

Documents Needed In Declaration of Dependents

When declaring dependents, you must present valid documents such as a birth certificate for children below 18 years of age, a marriage certificate for a spouse, guardianship papers for grandchildren or stepchildren below 18 years of age, and other necessary papers as required by PhilHealth. You should also present copies of the member’s ID card or proof of identity. The original documents should always accompany declaration forms.

How Much To Register in PhilHealth?

The declaration cost depends on the number of dependents you are registering. Generally, each declaration form costs Php 200.00 plus an additional premium per dependent, depending on the declaration type (new or renewal). In addition, the member must pay a one-time registration fee and a quarterly contribution, which will vary depending on the age and number of dependents registered.

Conclusion

Now that you know who qualifies as a dependent in PhilHealth, what documents are needed for the declaration of dependents, and how much it costs to register yourself and your dependents with PhilHealth coverage, you can confidently move forward with the declaration process. It is important to note that declaration forms should be filled out accurately and altogether to avoid any issues or delays down the line.

Disclaimer: This article has been an overview of filing PhilHealth declarations of dependents and the necessary information required. We hope this has provided you with some helpful insight into understanding who are qualified dependents and how to add them to PhilHealth declaration forms. Good luck!

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