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SSS & PhilHealth 2026

Kumpletong gabay para sa miyembro – employed, self‑employed, at OFW
Updated for 2026 Expert‑reviewed content 100% Free • Walang bayad
SSS at PhilHealth: kontribusyon, benepisyo, at pag‑apply

SSS contribution table 2026 (employed & self‑employed)

Monthly salary credit (MSC) ranges from ₱4,000 to ₱30,000. Total contribution = 14% of MSC (employer 9.5%, employee 4.5%). Self‑employed / OFW pay the full 14%.

Monthly salary bracketMSCEE share (4.5%)ER share (9.5%)Total
₱4,000 – ₱4,249.99₱4,000₱180₱380₱560
₱10,000 – ₱10,249.99₱10,000₱450₱950₱1,400
₱20,000 – ₱20,249.99₱20,000₱900₱1,900₱2,800
₱29,750 – ₱30,000₱30,000₱1,350₱2,850₱4,200

OFWs pay the total 14% based on their declared monthly income (minimum MSC ₱4,000).

PhilHealth premium 2026

Premium rate remains at 5% of monthly basic salary. Salary floor = ₱10,000; ceiling = ₱100,000. For employed: 50% employer / 50% employee. Self‑earning / OFW pay full 5%.

Monthly basic salaryPremium (5%)Employee share (50%)Employer share (50%)
₱10,000 (floor)₱500₱250₱250
₱25,000₱1,250₱625₱625
₱50,000₱2,500₱1,250₱1,250
₱100,000 (ceiling)₱5,000₱2,500₱2,500
OFW & voluntary: Pay 5% of declared monthly income (minimum ₱10,000 → ₱500/month). Payment via GCash, PayMaya, or PhilHealth branch.

Mga pangunahing benepisyo

SSS maternity

₱70,000 – ₱98,000 para sa normal delivery (2026 rates). 105 days paid leave, additional 30 days for solo parents.

SSS sickness

Daily cash allowance (90% ng average daily salary) kung ma‑ospital o magkasakit, hanggang 120 days sa isang taon.

PhilHealth inpatient

Allocation depende sa room type: ₱2,500 – ₱5,500/araw (at kaso). Z benefits para sa cancer, kidney transplant.

Konsultasyon package

PhilHealth outpatient package: 21 free check‑ups per year sa accredited Konsulta providers.

Paano mag‑rehistro at magbayad (2026)

SSS

  • Online: My.SSS portal (employer/self-employed)
  • Over‑the‑counter: Bayad Center, SM, Robinsons
  • OFW: i‐remit through OFW‑e o partner banks

PhilHealth

  • Register via PhilHealth Portal (PRN)
  • Payment: GCash (PhilHealth biller), Bayad, partnered banks
  • OFW: quarterly / annual payment sa PhilHealth branch o online
Reminder: Late payments incur penalties? For SSS, penalty of 2% per month. PhilHealth no penalty but coverage interrupted. Always pay before due.

Madalas itanong (FAQ)

Q: Kailangan bang mag‑contribute kahit walang trabaho?
A: Opo, kung gusto mo ng continuous coverage. Pwede kang mag‑voluntary / self‑employed.
Q: Magkano ang hulog ng OFW sa SSS?
A: 14% ng declared MSC. Pili ka ng MSC mula ₱4,000 hanggang ₱30,000. Halimbawa: ₱10,000 MSC = ₱1,400/month.
Q: Paano makuha ang PhilHealth eligibility para sa confinement?
A: Dapat may nabayaran kang hindi bababa sa 3 buwan sa loob ng 6 na buwan bago ang admission.
Q: Saan makikita ang updated contribution table?
A: Sa SSS at PhilHealth website, o sa TotalCalcHub guides na updated kada taon.

Bakit kami pinagkakatiwalaan

Masusing pananaliksik

Lahat ng gabay ay nirepaso ng eksperto.

Datong 2026

Pinakabagong rates at regulasyon.

Basahin kahit saan

Mobile‑friendly, accessible sa lahat.