mobanmarketIf you’re an overseas Filipino worker (OFW), get ready to pay more for PhilHealth, the state-owned health insurer.
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Mandatory health insurance premiums for every expat Filipino worker — including domestic helpers — is set to hit Dh892 ($242) per year by 2024, according to reports quoting proposed implementing rules of a new law.
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On February 20, 2019, the Universal Health Care (UHC) Bill was signed into law (Republic Act No. 11223) by President Rodrigo Duterte. It automatically lists all Filipino citizens in the National Health Insurance Programme (NHIP).
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It also prescribes healthcare system reforms to bring world-class healthcare for all and incentivising Filipino health workers to stay back home, instead of leaving in droves for better-paying jobs overseas.
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In theory, the new law gives citizen-members access to the “full continuum” of needed health services, and protecting them from financial ruin when they fall ill. All Filipinos are automatically included in the NHIP, and it also guarantees immediate eligibility to programne benefits.
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Moreover, the law mandates PhilHealth to come up with a comprehensive outpatient package — which include outpatient drugs within two years after its enactment.
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In reality, as revealed by the Business Mirror, $242 premium per year would be a steep price for pay for Filipino housemaids overseas, whose government-prescribed a minimum pay is $400 a month.
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Currently, the fixed rate for premiums for PhilHealth for every OFW is Php2,400 (Dh172, or $47) across the board. Under the proposed new implementing rules (IRR) of the law, progressively higher PhilHealth premium would kick in.
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186% spike
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This 2019, under the law’s proposed IRR, individual PhilHealth premiums would be raised to Php6,864 (Dh490) per annum — a whopping 186% spike from the current rate, according to Business Mirror.
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By next year (2020), the annual premium will further rise to Php7,488 (Dh537).
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By 2024, monthly contributions of an OFW domestic worker to PhilHealth would be set at Php1,040 or Php12,480 (Dh892, or $242) per year at the minimum, under the proposed rules.
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A OFW who earns about $1,000 monthly (Php50,000) would have to pay PhilHealth premiums of Php16,500 when the new rates kick in.
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It was not immediately clear if or when the IRR prescribing the new rates would be adopted.
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A PhilHealth report in March stated did not mention if OFWs were consulted in crafting the IRR. “The event (drafting of implenting rules and regulations) was well attended by local and international experts and representatives from the academe, health care providers, local governments, collecting partners, regulatory agencies, among others,” a PhilHealth press release then said.
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Mandatory
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A vacationing OFW gets free medical treatment as a mandatory PhilHealth member. But there’s a caveat: free medical treatment can be availed of, provided but he or she would pay all missed contributions with interest, compounded monthly.
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The new health law also does not specify the designation of an OFW representative to PhilHealth’s Board of Directors.
###WHAT THE LAW SAYS###
OFWs issue with PhilHealth
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The PhilHealth Board of Directors faced the wrath of some OFWs after failure to resolve cases of those who claimed to have paid premiums to PhilHealth only to find out during desperate times that their premiums were pilfered and receipts were forged.
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The investigation of such cases had been left with Philippine Overseas Employment Administration, though criminal liability is seen involving of liaison officers of recruitment agencies that may be in cahoots with PhilHealth insiders.
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Who funds PhilHealth?
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For the first year of the law’s implementation, Php254.8 billion (Php18.21 billion) has been allotted. Among others, the law mandates the establishment of a National Health Workforce (NHW) Support System.
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In effect, every OFW-member will be asked to pay the near-double premium even before the main components of the UHC law are in place.
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Promises of better healthcare for all have been drowned by charges of corruption, fraudulent claims and mismanagement at PhilHealth.
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Whistleblowers have exposed at least one clinic for conspiring to rip off PhilHealth for “ghost” dialysis treatments, and submitting spurious receipts, leading to several arrests recently.
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On June 6, the agency released a statement saying they encourage whistleblowers who report fraud and conflicts of interest to come out in the open.
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On June 21, a complaint was filed with the Ombudsman against Duterte’s Health Secretary Francisco Duque III, over his alleged stock ownership of a building leased to the PhilHealth. As health secretary, Duque serves as ex-officio chairman of PhilHealth, an agency attached to the Department of Health.
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Some regions in the Philippines recorded outbreak proportions of pneumonia based on PhilHealth claims, rather than scientific medical data.
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Here’s a link to the full copy of the law:
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How can I check my PhilHealth status?
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Yes. Here’s some basic PhilHealth information for OFWs. If you wish to verify your status, do the following:
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(a) If you know your PhilHealth Identification Number o PIN, text it to +63-917-5129149.
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(b) You may also email the following information to [email protected]:
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