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Adulting Finance Government

Your Ultimate Guide to PhilHealth Contribution Rates from 2019 to 2026

Updated: January 2026

PhilHealth Contribution Rates from 2021 to 2026: Your Complete Guide

If you’ve ever felt confused about PhilHealth contributions, you’re not alone. Every few years, the monthly rates change, and many Filipinos struggle to keep track.

This guide breaks down the PhilHealth contribution rates from 2021 to 2026, making it easier for employees, employers, OFWs, and self-employed individuals to understand their payments and plan their budgets. Whether you’re reviewing your payroll deductions or checking how much you need to remit this year, this article simplifies everything in a clear, friendly, Filipino-lifestyle way.

Why PhilHealth Contribution Rates Increased Over the Years

PhilHealth’s contribution adjustments started in 2019 as part of the Universal Health Care Act. The goal was to give every Filipino better access to healthcare services. The increase funds hospital coverage, expanded case rates, Konsulta Packages, and financial risk protection. While contribution hikes sometimes feel heavy on the budget, they support long-term health services we all rely on.

PhilHealth Contribution Table from 2021 to 2026

Source: Philhealth

How to Compute Your PhilHealth Contribution

PhilHealth contributions follow a simple formula:

Formula

Monthly Salary × Premium Rate

If your salary goes beyond the income ceiling, the maximum amount applies.

Example Computation

  • Salary: P25,000
  • Rate (2026): 5%
  • 25,000 × 0.05 = P1,250 total contribution
  • Employee pays P625
  • Employer pays P625

PhilHealth Contribution for OFWs and Self-Employed Members

  • Self-employed: Contributions are based on declared income, using the same table above.
  • Overseas Filipino Workers: The premium follows the annual rate but may be paid annually or semi-annually.
  • Senior Citizens: Automatically covered; no need to pay.
  • Lifetime Members: No more contributions once qualified.

Why These Rates Matter for Filipinos

Knowing your PhilHealth deduction helps you:

  • Track correct employer contributions
  • Plan your monthly and annual budget
  • Understand your healthcare coverage
  • Avoid underpayment issues

With healthcare costs rising, maximizing your PhilHealth benefits is important for long-term financial security.

PhilHealth contributions can be confusing, but keeping track yearly ensures you’re protected and well-informed. As the Universal Health Care law continues to roll out, expect more improvements in public health services. For more updated financial guides and lifestyle tips, don’t forget to visit lifeguide.ph.

Categories
Government

List of Pag-IBIG Fund Office Email Address in NCR

Updated: January 2026

We’ve compiled a complete list of email addresses in NCR that will help you get in touch with the Pag-IBIG Fund and make your transactions faster and more efficient.

Whether you’re a first-time borrower or a long-time member, this guide will provide you with all the email addresses you need to connect with Pag-IBIG’s various offices in the country.

Pag-IBIG Fund Office Email Address in NCR

Pag-IBIG EmailAreas Covered
ncrnorth@pagibigfund.gov.phGMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong – Shaw Zentrum and Antipolo branches
ncrsouth@pagibigfund.gov.phMakati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig – Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario,

How to Email a Pag-IBIG Branch Properly

To get a faster reply, make sure your email includes:

Subject Line

Pag-IBIG Concern – Full Name – MID Number (if available)

Email Body Must Include:

  • Your full name
  • Pag-IBIG MID Number
  • Contact number
  • Type of concern (loan, MP2, contributions, membership update, etc.)
  • Attached valid ID
  • Screenshots or documents connected to your concern

This helps the branch verify your identity and process your request faster.

Additional Tips for Faster Assistance

  • Email only one branch to avoid delays.
  • Expect a response within three to seven business days.
  • For urgent matters, call the Pag-IBIG hotline 8-724-4244.
  • For MP2, online services, or virtual appointments, visit Virtual Pag-IBIG.

Pag-IBIG services don’t have to be time-consuming. With this updated list of Pag-IBIG Luzon branch email addresses, you can send your concerns directly and avoid waiting in long lines.

If you need more guides on government IDs, contributions, and financial tips, feel free to check our other articles here on lifeguide.ph.

Categories
Business Finance

Complete List of Bank Codes and SWIFT Codes Philippines in 2026

Complete List of Bank Codes and SWIFT Codes Philippines in 2026

If you’re sending money online in the Philippines, you’ll often need two things: bank codes and SWIFT codes. Whether you’re transferring through GCash, Maya, online banking, or receiving international remittances, these codes make sure your money reaches the right account.

This 2026 guide lists the complete and updated codes of major Philippine banks, helping Filipinos avoid delays, failed transfers, or long verification steps.

Complete List of Bank Codes and SWIFT Codes Philippines in 2026

What Are Bank Codes and SWIFT Codes?

Bank Codes

Bank codes in the Philippines are usually 9-digit numeric codes used for ACH transactions like GCash Cash-In, Maya transfers, PayPal withdrawals, or online bill payments.

SWIFT Codes

SWIFT codes, also known as BIC codes, are used for international remittances or sending/receiving money from abroad. These codes help identify the exact bank branch receiving the funds.

Complete List of Bank Codes in the Philippines

BANK BANK CODE
Asia United Bank Corporation (AUB)011020011
Australia and New Zealand Banking Group Limited010700015
Bank of America, N.A.010120019
Bank of China011140014
Bank of Commerce010440016
Bank of the Philippine Islands (BPI)010040018
BDO Unibank, Inc. (BDO)010530667
China Banking Corporation (China Bank)010100013
China Bank Savings, Inc.011129996
Citibank, N.A.010070017
CIMB Bank018010011
Deutsche Bank AG010650013
Development Bank of the Philippines (DBP)010590018
EastWest Bank010620014
Equicom Savings Bank, Inc.010960017
Globe Xchange, Inc. (GCash)018040010
First Consolidated Bank020780012
HSBC Philippines010060014
ING Bank N.V.010660029
JPMorgan Chase Bank, N.A.010720011
Land Bank of the Philippines010350025
Maybank Philippines, Inc.010220016
Metropolitan Bank and Trust Co. (Metrobank)010269996
Philippine Bank of Communications (PBCOM)010110016
Philippine National Bank (PNB)010080010
Philippine Savings Bank (PSBank)010470992
Philippine Veterans Bank010330016
Philippine Trust Company010090039
Rizal Commercial Banking Corporation (RCBC)010280014
Robinsons Bank Corporation011070016
Security Bank Corporation010140015
Standard Chartered Bank010050011
Sterling Bank of Asia Inc.011190019
Tonik Digital Bank011570011
Union Bank of the Philippines010419995
United Overseas Bank Philippines010270341

Complete List of SWIFT Codes in the Philippines

BANK NAMESWIFT CODE
Asia United Bank Corporation (AUB)AUBKPHMM
Australia and New Zealand Banking Group LimitedANZBPHMX
Bank of America, N.A. ManilaBOFAPH2X
Bank of CommercePABIPHMM
Bank of the Philippine Islands (BPI)BOPIPHMM
BDO Unibank, Inc. (BDO)BNORPHMM
BPI DirectBPDIPHM1
BPI Family Savings BankBPFSPHM1
BPI Globe Banko Inc.BPGOPHM1
China Banking Corporation (China Bank)CHBKPHMM
China Bank Savings, Inc.CHSVPHM1
CIMB Bank Philippines, Inc.CIPHPHMM
Citibank, N.A. – Makati BranchCITIPHMX
Citibank, N.A. – Manila BranchCITIPHMXTSU
Citibank, N.A. – Cebu BranchCITIPHMXCBU
Deutsche Bank AGDEUTPHMM
Development Bank of the Philippines (DBP)DBPHPHMM
EastWest BankEWBCPHMM
Globe Telecom, Inc. (GCash)GLTEPHMT
HSBC Savings Bank (Philippines) Inc.HBPHPHMM
ING Bank N.V.INGBPHMM
JPMorgan Chase Bank, N.A., Manila BranchCHASPHMM
Land Bank of the PhilippinesTLBPPHMM
Maybank Philippines, Inc.MBBEPHMM
Metropolitan Bank and Trust Co. (Metrobank)MBTCPHMM
Philippine Bank of Communications (PBCOM)CPHIPHMM
Philippine Business BankPPBUPHMM
Philippine National Bank (PNB)PNBMPHMM
Philippine Savings Bank (PSBank)PHSBPHMM
Philippine Veterans BankPHVBPHMM
Philtrust Bank (Philippine Trust Company)PHTBPHMM
Rizal Commercial Banking Corporation (RCBC)RCBCPHMM
Robinsons Bank CorporationROBPPHMQ
Security Bank CorporationSETCPHMM
Sterling Bank of Asia Inc.STLAPH22
Tonik Digital Bank, Inc.TODGPHM2
Union Bank of the PhilippinesUBPHPHMM

Tips for Smooth Bank Transfers in 2026

  • Double-check the bank code or SWIFT code to avoid delays.
  • For PayPal withdrawals, always match your name exactly as written on your bank account.
  • If transferring from abroad, ask if the sending bank requires an IBAN (Philippine banks do NOT use IBAN).
  • Monitor your bank’s maintenance schedules to prevent failed transactions.

Banking doesn’t have to be complicated. With this complete list of bank codes and SWIFT codes in the Philippines for 2026, you’ll have everything you need for local and international transfers. Save this guide, share it with family abroad, and check out more finance tips on lifeguide.ph.

Categories
Government

List of Pag-IBIG Fund Office Email Address in Luzon

Updated: January 2026

Handling your Pag-IBIG concerns can feel overwhelming, especially if you’re dealing with housing loans, membership issues, or contribution updates. The good news is you don’t always need to visit a branch. Pag-IBIG Fund now accommodates many requests through email, making it easier for Filipinos, especially those in Luzon, to get the help they need without long lines.

This directory lists all Pag-IBIG Fund office email addresses in Luzon, so you can contact the correct branch right away. Whether you’re following up on your MP2 savings, checking your housing loan status, or requesting account updates, this guide will help you save time and avoid unnecessary travel.

Pag-IBIG Fund Office Email Address in Luzon

Pag-IBIG EmailAreas Covered
ncrnorth@pagibigfund.gov.phGMA Kamuning, Quezon Avenue, Commonwealth Avenue, Cubao, Marikina, Caloocan – EDSA, Valenzuela, Pasig, Mandaluyong – Shaw Zentrum and Antipolo branches
ncrsouth@pagibigfund.gov.phMakati-Buendia I, Binan, Makati-Ayala Avenue, Makati-Buendia II, Makati-JP Rizal, Taguig – Gate 3 Plaza, Guadalupe-EDSA, Muntinlupa, SM Aura, Intramuros, Sta. Mesa, Binondo, Pasay, Las Pinas-Robinsons Place, Paranaque, Imus, Rosario,
Ilocos@pagibigfund.gov.phLa Union, Laoag, Vigan, Dagupan, Urdaneta, and Baguio branches
cagayanvalley@pagibigfund.gov.phTuguegarao, Solano, and Cauayan branches
centralluzon@pagibigfund.gov.phSan Fernando, Tarlac, Angeles, SBMA, Balanga, Malolos, Baliwag, Cabanatuan, and Meycauayan branches
southerntagalog@pagibigfund.gov.phLucena, Batangas, Lipa, Calamba, San Pablo, Sta. Rosa, Calapan, and Palawan branches
bicol@pagibigfund.gov.phLegazpi and Naga branches

How to Email a Pag-IBIG Branch Properly

To get a faster reply, make sure your email includes:

Subject Line

Pag-IBIG Concern – Full Name – MID Number (if available)

Email Body Must Include:

  • Your full name
  • Pag-IBIG MID Number
  • Contact number
  • Type of concern (loan, MP2, contributions, membership update, etc.)
  • Attached valid ID
  • Screenshots or documents connected to your concern

This helps the branch verify your identity and process your request faster.

Additional Tips for Faster Assistance

  • Email only one branch to avoid delays.
  • Expect a response within three to seven business days.
  • For urgent matters, call the Pag-IBIG hotline 8-724-4244.
  • For MP2, online services, or virtual appointments, visit Virtual Pag-IBIG.

Pag-IBIG services don’t have to be time-consuming. With this updated list of Pag-IBIG Luzon branch email addresses, you can send your concerns directly and avoid waiting in long lines.

If you need more guides on government IDs, contributions, and financial tips, feel free to check our other articles here on lifeguide.ph.

Categories
Finance Government

PhilHealth Contribution Table in 2026: Latest Rates and What You Need to Know

If you’re wondering how much you need to pay for the PhilHealth contribution table in 2026, here’s the good news: PhilHealth has not released any new mandate for an increase, so the contribution rate remains at 5%.

For Filipino employees, employers, OFWs, and voluntary members, this guide breaks down the current rates, sample computations, and everything you need to know to stay compliant this year.

PhilHealth Contribution Table for 2026

https://www.philhealth.gov.ph/news/2019/images/new_contri1.jpg?utm_source=chatgpt.com

Source: Philhealth

📌 Premium Rate

  • 5% of monthly basic salary
  • Monthly Salary Floor: ₱10,000
  • Monthly Salary Ceiling: ₱100,000
  • Sharing: 50% employer – 50% employee (for employed workers)

PhilHealth Contribution Table for Employed Members

Monthly SalaryMonthly Premium (5%)Employee ShareEmployer Share
₱10,000 (floor)₱500₱250₱250
₱20,000₱1,000₱500₱500
₱30,000₱1,500₱750₱750
₱50,000₱2,500₱1,250₱1,250
₱100,000 (ceiling)₱5,000₱2,500₱2,500

Formula:
Monthly Salary × 0.05 ÷ 2 = Employee/Employer Share

PhilHealth Contribution Table for Self-Employed, Voluntary, and OFWs

Monthly IncomeTotal Monthly Contribution (5%)
₱10,000 (minimum)₱500
₱20,000₱1,000
₱30,000₱1,500
₱50,000₱2,500
₱100,000 (ceiling)₱5,000

Note: Voluntary and self-employed members shoulder the full amount.

Sample Computations

1. Salary: ₱18,000 (Employed)

18,000 × 0.05 = ₱900 monthly premium

  • Employee: ₱450
  • Employer: ₱450

2. Self-Employed Earnings: ₱15,000

15,000 × 0.05 = ₱750 monthly contribution

3. Salary Hits the Cap (₱100,000)

100,000 × 0.05 = ₱5,000 premium

  • Employee: ₱2,500
  • Employer: ₱2,500

Why the 5 Percent Rate Still Applies in 2026

PhilHealth has not issued any official circular or mandate about increasing the premium rate for 2026. Under the UHC Law, increases were originally scheduled yearly, but PhilHealth has paused some adjustments in the past. Until a new memo is released, the 5% rate remains the latest implemented rate.

Frequently Asked Questions (FAQ)

Is there a confirmed increase for 2026?

None as of today. PhilHealth has not released any new circular.

Will the 5 percent rate change within the year?

Only if PhilHealth issues an updated circular. Always check official announcements.

Does the ceiling remain at ₱100,000?

Yes, the maximum salary base remains ₱100,000 unless PhilHealth updates it.

The PhilHealth contribution table for 2026 remains at a 5% premium rate, giving members clarity on how much to expect this year. Stay tuned to PhilHealth updates to make sure you’re paying the correct amount. For more government contribution guides, budgeting tips, and life hacks, explore more articles on lifeguide.ph.