Adding dependents in Philhealth can be a confusing process, especially if you have never done it before. In this blog post, we will walk you through the process step-by-step and explain everything you need to know about adding dependents to your Philhealth coverage.
Also Read: How to Apply SSS Maternity Benefit Online: A Step-by-Step Guide
We will also provide some tips on how to save money on your Philhealth premiums. So, whether you are adding a new dependent or renewing your coverage, read on for all the information you need!
What You Need to Know About Adding Dependents to Your Philhealth Coverage
Adding dependents to your Philhealth coverage is a great way to provide financial protection for your loved ones in the event of your death or disability. Here are some things you need to know about adding dependents to your coverage:
Who can be a Philhealth dependent?
A dependent can be a spouse, child, or parent of the insured person. The dependent must be unmarried and not gainfully employed.
What are the benefits of adding a dependent to my coverage?
Adding a dependent to your coverage will provide them with death and disability benefits if you die or become disabled. This can help your loved ones financially if they rely on you for support.
Are there any restrictions on adding dependents?
Yes, there are some restrictions on who you can add as a dependent. For example, you cannot add dependents if they are over 21 years old or if they are gainfully employed.
Steps on How to Update Dependents to Your Philhealth Coverage
If you have dependents that you would like to add to your Philhealth coverage, there are a few steps that you will need to follow to do so:
- Download the PhilHealth Member Registration Form (PMRF).
- Tick the “UPDATING” box in the upper right-hand corner of the PMRF.
- Fill out the PMRF appropriately.
- Submit a properly filled-out PMRF to the nearest PhilHealth office.
- Await the printout of the updated Member Data Record.
Tips for Saving Money on Your Philhealth Coverage
As one of the largest health insurance providers in the Philippines, Philhealth offers a wide range of coverage options for its members. However, with so many different plans and benefits available, it can be difficult to know which one is right for you. Here are some tips to help you save money on your Philhealth coverage:
1. Know what you need
The first step to saving money on your Philhealth coverage is to assess your health needs and decide what kind of coverage you require. There is no point in paying for benefits that you will never use, so take the time to review your options and choose a plan that meets your specific needs.
2. Consider a deductible
One way to lower your monthly premiums is to opt for a plan with a higher deductible. This means that you will have to pay more out-of-pocket before your insurance coverage kicks in, but it can lead to significant savings over time. Just be sure to review your policy carefully to make sure you understand all of the details before making a decision.
3. Take advantage of discounts
Many insurance companies offer discounts for things like being a non-smoker or completing a health screening. These discounts can add up over time, so be sure to ask about them when you are shopping for a new policy.
4. Stay healthy
The best way to save money on your health insurance premiums is to stay healthy and avoid using your benefits unless necessary. Eating right, exercising regularly, and avoiding risky behaviors will not only improve your overall health, but it can also lead to significant savings on your insurance costs over time.
Frequently Asked Questions
1. What are the requirements for adding a dependent?
A: The primary insured must provide proof of relationships such as marriage certificates and/or birth certificates, valid identification, and other applicable documents. Dependents must also be 21 years old or younger.
2. How long does it take to add a dependent?
A: The processing period may depend on the type of documentation you submit, but typically it can take up to 4 weeks for your request to be approved.
3. How much does it cost to add a dependent?
A: There is no additional fee for adding a dependent to your Philhealth coverage. However, dependents will be required to pay the same monthly premiums as the primary insured.
5. What happens if I don’t add my dependents to my Philhealth coverage?
A: If you fail to add your dependents to your coverage, they will not be eligible for any benefits from Philhealth. Furthermore, if either the primary insured or his/her dependents become ill, the primary insured may be responsible for any medical expenses incurred. Therefore, it is important to add your dependents as soon as possible to ensure that all members of your family are covered.
6. Are there any other benefits of adding my dependents?
A: Yes, by adding your dependent, you will be able to avail of discounts and other benefits that Philhealth offers. This includes discounts on inpatient services, outpatient services, and hospitalization fees. Additionally, you may be eligible to receive additional benefits depending on your annual income and the type of coverage you have. Therefore, it is important to add your dependents as soon as possible to take advantage of all the benefits that Philhealth has to offer.
By understanding the requirements and benefits of adding dependents in PhilHealth, you can ensure that all members of your family are properly covered under your health insurance policy. Keep in mind that it is important to add your dependent as soon as possible so that they can be eligible for all the benefits that PhilHealth has to offer. Please make sure to keep up-to-date with any changes in policy so that you can take full advantage of your coverage. This way, you can rest assured knowing that all members of your family are well taken care of.
Summary
Ensuring the dependents in your life are properly insured and healthy is of paramount importance. Adding dependents to Philhealth coverage can help you ensure peace of mind when it comes to medical expenses or doctor visits. Not only does adding dependents give them access to better healthcare, but they also become active members of Philhealth; meaning they become automatically eligible for any benefits provided, such as cash benefits in case of emergency hospitalization, free annual physical checkups, discounts on medication, and more. It’s not just responsible but also beneficial for all involved which decides to add dependents to Philhealth a logical one.
Contact Information
Website: philhealth.gov.ph
Facebook Page: https://www.facebook.com/PhilHealthOfficial/
Callback Channel: 0917-898-7442 (PHIC)
Email: actioncenter@philhealth.gov.ph
