Mommy Hacks, Mommyhood, Pregnancy

2018 Update! Philhealth Maternity Benefit: How It Can Lighten Your Maternity Costs

Update: New policy on Benefit Eligibility starting October 1, 2018

 

The time you discover that you have a growing human inside your belly is a magical moment! But before you get too pumped up with decorating the nursery or thinking of baby names, let’s dive into the practical side of having a baby – expenses, expenses, and more expenses!

If you don’t know it yet, let me tell you that it’s expensive to be pregnant and to give birth. The minimum cost is P5,000 if you give birth in a small birthing clinic or a charity ward. But, if you prefer a private hospital, chances are your bill will amount to at least P100,000. Caesarian delivery costs even more – believe me, I’ve been on the receiving end of a CS delivery bill.

I don’t mean to scare you! I just want to point out the importance of being financially prepared before your little bundle of joy arrives.

You can lessen your maternity costs by knowing the benefits you’re entitled to, namely Philhealth and SSS Maternity Benefits. (I’ve published a separate post on How You Can Qualify For SSS Maternity Benefit)

Here’s the lowdown on the Philhealth Maternity Coverage that every expectant Filipino mother should know:

1. You should be a Philhealth member to avail of the Maternity Benefits

If you’re pregnant but not a Philhealth member yet, I suggest you register now! You may do so through their electronic registration via My Philhealth Portalย or by personally filing an application in one of the Philhealth branches both locally and abroad.

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2. Timely payment of monthly contributions

Just because you’re a Philhealth member doesn’t mean you automatically qualify for maternity benefit. Your contributions should be updated to meet the minimum requirements.

Employed, self-employed, or voluntary members are required to pay at least 9 months worth of contributions in the 12 months before delivery dateย including the confinement month.

Note: Payments made during your confinement at the hospital are not considered as valid payment for the purpose of this claim.

You may check your payments online through their Member’s Inquiry Portal.

3. What are the Philhealth Maternity Benefits?

Pregnant? Yes!

Already a Philhealth member? Yes!

Are your contributions up-to-date? Yes!

Then, congratulations! You are now qualified to avail of the Philhealth Maternity Benefit Packages, as follows:

a. Maternity Care Package (MCP)

The MCP covers health care services during pregnancy, labor, childbirth, and even follow-up visits. The coverage is P8,000 if you give birth in a small non-hospital facility like a lying-in clinic or maternity clinic. However, if you give birth in a hospital, your MCP package is P6,500.

b. Normal Spontaneous Delivery (NSD)

This package covers normal low-risk vaginal deliveries and follow-up visits. The coverage is P6,500 if you give birth in a non-hospital facility like lying-in clinics or maternity clinics. Should you give birth at a hospital, the coverage is P5,000.

c. Other Deliveries Covered by Philhealth

Philhealth maternity benefit also covers mothers who give birth via Caesarian section (P19,000), complicated vaginal delivery (P9,700), Vaginal Delivery After C-section (P12,120), and breech extraction (P12,120).

d. Newborn Care Package (NCP)

The NCP ensures that newborns have access to healthcare services in the first hours of life. This package amounting to P1,750 covers newborn screening test, newborn hearing test, and other essential newborn care services.

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4. How to file your Philhealth Maternity Claims

Be sure to prepare the following documents for an expeditious processing of your Philhealth maternity claims:

  • Updated Member Date Record (MDR)
  • Completely filled out Philhealth Claim Form
  • Photocopy of valid ID
  • Supporting documents like marriage certificate
  • Official Receipts of your Philhealth contributions

Should you have further questions, you may contact Philhealth directly at (02) 441-7442 or send them an email atย actioncenter@philhealth.gov.ph. You may also send them a message on their Official Facebook Account.

You may also contact me through my Facebook Page or Instagram Account.

 

It’s best to settle your SSS and Philhealth requirements early, mommies – for a carefree and enjoyable pregnancy. Cherish those kicks and may we all have a safe delivery! God bless!

22 Comments

  1. Jennylord Salapantan

    Can I use my husband’s philhealth card instead?

    1. mommykrystal

      Hi Jennylord,
      Yes! If you’re married, you automatically become your husband’s dependent. But, I suggest you check your husband’s records if it has already been updated (to married status and you as his spouse).

  2. hazel

    can i have my refund even if my baby is late register she don’t have yet her birth certificate until now..my philhealth have completely contribution but i can’t avail

    1. mommykrystal

      Hi Hazel. Can you be more specific? Wala pang birth certificate si baby? Pero nakapagclaim kayo ng philhealth benefit before kayo lumabas sa hospital?

  3. Kim

    Dec 22 ang due date ko and quarterly naghuhulog yung company namin so hanggang August lang ung posted na contri ko though tuloy tuloy naman sya. Paano kaya un? Baka sa January pa ung next update ng contributions namin baka hnd ko ma avail ๐Ÿ™

    1. mommykrystal

      Hi Kim. You don’t have to worry kasi for you to qualify for maternity benefit, kailangan lang makabayad ka ng at least 3 monthly contributions from July 2017 to June 2018. Go ahead and file for maternity notification na, mamsh!

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  4. danilo

    hi may tanong po ako magkano lang ang mabayad sa philhealt pag ceasarian case

    1. mommykrystal

      Hi Danilo. In my case, my bill was deducted by 19,000 because of C-section. ๐Ÿ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  5. Lyn

    Hi my sister in law gave birth November 4, 2018 via CS delivery. The hospital staff require us to have at least 9 mons contributions. We present the certification from my sister in law’s company. Indicated in the certification that from Dec 2017 – July 2018 only 8 mons contribution was posted. Based on your blog indicates 3-6 mos contribution before delivery date will qualify for the benefit, but the staff requires to pay at least Aug 2018 – Sept 2018 for her to qualify in the philhealth benefits. Does we need to pay for the month of Aug-Sept or we need to clarify for 3-6 mons contribution? Hoping for your immediate response. Thank you.

    1. mommykrystal

      Hi Lyn, I published my post on Philhealth maternity benefit last May 2018. Per confirmation, a new policy on eligibility was passed starting October 1, 2018 saying “a member should have paid at least nine (9) monthsโ€™ worth of premiums in the twelve (12) months preceding the confinements including the confinement month of the patient.” So sorry I wasn’t able to update my post on time.

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  6. jerome guban

    ask ko lang po if may makukuha po ba kaming cash dito or ung ospital na mismo ang bahala sa mga gastusin pag nilakad na namin ung phil health po ng nanganak? slmat po..

  7. maricel refrea

    i delivered via cs last january 18 2018…nung mag inquire kme s philhealth nbyran n daw nila ang refund namin thru auto debit,pero reply ng hospital wla p cla ntatanggap n byad ng philhealth,mlpit n mag 10 mos wla p rin ang refund namin

    1. mommykrystal

      Hi Maricel. Sorry, I can’t help you mamsh. I suggest you get in touch with Philhealth as well as the hospital to clear things out. I am not in any way associated with Philhealth kasi. I only published this to inform mommies-to-be that there is a maternity benefit they can avail of. Update mo ko, mamsh. ๐Ÿ˜€

      Hi Lucy. If you have no valid ID with your married name yet, you may present your current ID (with maiden name). Just bring your marriage certificate, old passport, and birth certificate. ๐Ÿ˜€

      Support this blog by following my Facebook Page and Instagram Account. You may also contact me via these social media account. Thanks! ๐Ÿ˜€

  8. star

    naku d kasi continous ung philhealth ko and due date q is april 1 last sept. 2017 pa ang payment ko di ko n ba maavail un ๐Ÿ™

    1. mommykrystal

      Hi Star, last October 2018 may new regulation si Philhealth na at least 9 months contribution before confinement. I suggest you get in touch with Philhealth directly para macheck ung account mo or baka pwede ka pa magbayad for the previous quarter.

      Support this blog by following my Facebook Page and Instagram Account. You may also contact me via these social media account. Thanks! ๐Ÿ˜€

  9. Kym

    hi mamsh! ask ko lang po kasi due date ko is by january 8 2019..but possible manganak din by decemeber 2018..I have contribution last Jan. 2018 pa and recent is for oct, nov and dec2018. eligible po kaya ako for the maternity benefit? ano po ba irerequire for maternity notification? ang gulo po kasi nung nakausap ko sa branch dito samin..

    1. mommykrystal

      Hi Kym. If manganganak ka sa January, you’re required to have paid at least 3 monthly contributions from October 2017 to September 2018. So, paid ba yung October 2017 to January 2018 mo, mamsh? Because if yes, qualified ka for maternity benefit. Regarding naman sa maternity notification, you just need to present your proof of pregnancy (ultrasound result) and a valid ID. They will be the one to provide the MAT1 form. ๐Ÿ˜€

      Support this blog by clicking Like on my Facebook Page and following my Instagram Account. You may also contact me through these social media accounts.

  10. Jobelle De guzman

    Manganganak nako ako this December. Pwede pa po ba ihabol un ? Ndi po kami kasal kaya ung Phil health kopo magagamit q.

    1. mommykrystal

      Hi Jobelle, you need to have updated premium payments. Also, hihingin nila yung official receipt ng payments mo. Let me know kung anong months ka nakapagbayad sa Philhealth, mamsh. ๐Ÿ˜€

      Support this blog by following my Facebook Page and Instagram Account. You may also contact me via these social media account. Thanks! ๐Ÿ˜€

  11. Jobelle De guzman

    Ano mga requirements kapag ndi kasal ?

  12. Jobelle De guzman

    Hi po. Manganganak na po ako this December. Nakapunta na po ako sa SSS branch na notify na sila about sa pregnancy ko po. May hinihingi lng po sila na 3 requirements galing sa dati kong agency. So COE nlng po ang kulang ko. Pwede kopo kaya ihabol un kahit nanganak na po ako ???

    1. mommykrystal

      Hi Jobelle, yes you may submit that kapag magffile ka na ng reimbursement. ๐Ÿ˜€

      Support this blog by following my Facebook Page and Instagram Account. You may also contact me via these social media account. Thanks! ๐Ÿ˜€

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