My employer didn't remit my PhilHealth — am I still covered, and where do I report it?
Last updated: 2026-07-12 · Educational content; not legal advice.
Short answer
Yes — you are still covered. The Universal Health Care Act (RA 11223, 2019) §9 states plainly that 'failure to pay premiums shall not prevent the enjoyment of any Program benefits.' If your employer deducted PhilHealth from your pay but did not remit it — or failed to deduct at all — that is the employer's violation, not yours, and you keep your benefits. The employer must pay all missed contributions with interest compounded monthly of at least 3% (RA 11223 §9). An employer who fails to accurately and timely remit faces a fine of ₱50,000 for every violation per affected employee, or imprisonment of 6 months to 1 year (§38(d)(1)); an employer who collects your share but does not remit it within 30 days is presumed prima facie to have misappropriated it. Report non-remittance to PhilHealth (Corporate Action Center, (02) 8662-2588) and to DOLE.
Primary sources
Frequently asked
Can PhilHealth deny my hospital benefit because my employer didn't pay?
No. RA 11223 §9 says failure to pay premiums shall not prevent the enjoyment of any Program benefits, and every member is granted immediate eligibility — your PhilHealth card is not even required to avail a service. The legal risk sits with the employer, who must pay the arrears plus at least 3% monthly compounded interest. If a hospital tells you that you can't use PhilHealth because of unremitted contributions, escalate to the PhilHealth desk and the Corporate Action Center.
What penalty does the employer face?
Under RA 11223 §38(d)(1), an employer that deliberately or negligently fails to accurately and timely remit (or report) contributions can be fined ₱50,000 for every violation per affected employee, or imprisoned 6 months to 1 year. An employer who deducted your share but did not remit it within 30 days is presumed prima facie to have misappropriated the amount and must return or remit it.
Where exactly do I report it?
Report to PhilHealth first — Corporate Action Center at (02) 8662-2588 or actioncenter@philhealth.gov.ph, or any PhilHealth office — with your payslips showing the deduction and your PIN. Because non-remittance of a mandatory deduction is also a labor-standards matter, you can report it to the Department of Labor and Employment (DOLE) as well. Keep copies of payslips as proof the deduction was taken.
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