The new task of collecting the premium contributions of members in the government sector entailed the accreditation of banks to serve as Accredited Collecting Banks (ACBs).

An interim Contributions Department was likewise established to oversee and coordinate contribution activities. A region-based remittance, reporting, monitoring, and compliance campaign was also initiated in 1998.

The premium contribution schedule for members of the Employed Sector shall be revised as follows:

Contributions from the public and private sector employers should be remitted on or before the 10th calendar day of the month following the applicable month at any PhilHealth Offices or through Accredited Collecting Agents and their branches nationwide. The remittance of premium contribution by the employer shall be supported by a Quarterly Remittance List to be submitted to PhilHealth not later than 15 calendar days after the end of each calendar quarter.

Failure of the employer to remit the required contribution and to submit the required remittance list shall make the employer liable for reimbursement of payment of a properly filed claim in case the concerned employee or his/her qualified dependent/s avail/s of PhilHealth benefits, without prejudice to the imposition of other penalties as provided for in the revised Implementing Rules and Regulations of the National Health Insurance Act of 1995 (Republic Act 7875 as amended).

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REMITTANCE OF NHIP Premium Contributions Guidelines

How much to remit?

Employed Sector
Monthly contributions of members from the employed sector shall be dependent on his/her salary and shall be according to the prescribed NHIP Premium Contribution Schedule.

Voluntary Members
Premiums of Individually Paying Members (IPMs) are fixed at Php 100 per month.

Employed Sector
Contributions of members, from the employed sector, are automatically deducted from their salaries. Total contributions for all employees shall be computed and this, together with the employer counterpart, shall be remitted, using the Contribution Payment Return Form (ME-5), by their respective employers on or before the 10th day of the month following the applicable month, at any PhilHealth Accredited Collecting Banks (ACBs).

• 10th day of the month following the applicable month

  Ex. If applicable month is for January 2002
  Deadline: February 10, 2002

Voluntary Members
Voluntary or Individually Paying Members (IPMs) have the option to remit premiums, using the Contribution Payment Return Form (MI-5) in a quarterly, semi-annual or annual basis, the deadline of which shall fall on the Last working day of the applicable quarter. Contributions of IPMs are, however, non-retroactive.

• Last working day of the applicable quarter
  
  Ex. Suppose payment is for the 3rd quarter 2002 (July - September)
  Deadline : September 30, 2002

  Suppose payment is for the 3rd & 4th quarter 2002 (July - December)
  Deadline : September 30, 2002

  Suppose payment is for the 3rd qtr 2002 until 2nd qtr 2003 (1 year)
  Deadline : September 30, 2002

Employed Sector
Reporting of contributions can be done through the submission of the Employer's Quarterly Remittance Report Form (RF-1) or submission of text file report using the PhilHealth Premium Remittance System (PPRS). Remittance reports should be submitted on or before the fifteenth (15th) day of the month following the applicable quarter to the Contribution Accounts Management Department (CAMD) for NCR-based employers, PhilHealth Regional Offices (PROs) for regional based employers, or through Drop Boxes located at designated ACBs.

Voluntary Members
IPMs shall submit the PHIC copy of the duly validated Contribution Payment Return Form (MI-5) five (5) days after payment was made, to the CAMD, PROs or through Drop Boxes located at designated ACBs.

To avoid deficiencies, always:

1. Supply complete and correct information in the remittance reports and the ME-5.
2. Remit contributions according to the prescribed premium schedule.
3. Compute total contributions due for each month and ensure that computations are correct.
4. Ensure that ME-5s are validated, or Official Receipts (O.R.) are attached.
5. Prepare the Quarterly Remittance Reports (RF-1). Accomplish all required information.
6. Always indicate compensation of employees, otherwise, contribution shall be computed based on the maximum salary bracket.
7. Attach the ME-5s to the corresponding RF-1s.3
8. Submit reports on or before the deadline to facilitate posting.

Employers shall be notified by the CAMD (NCR-based employers) or by the PROs (region-based employers) for the following reasons:

1. Under-remittance
An under-remittance is made if employee contributions remitted are; less than the prescribed premium schedule; contributions of some employees listed in the quarterly collection list, were not remitted; and/or actual amount remitted is less than total amount of contributions to be paid. (i.e., computation errors).

2. Non-remittance
Companies shall be classified as Non-remitting if they have not remitted NHIP contributions, since the transfer of the Medicare program to the NHIP or since the start of their operations

3. Delinquency
Employers are classified as "delinquent" if they have not remitted at least three (3) monthly contributions, in behalf of all its employees, within the last six (6) months from the current month and/or remittance (for periods beyond the immediately preceding 6 months) are incomplete.

4. Deficiencies in the Remittance Report
If information required in the remittance reports (RF-1 or PhilHealth Premium Remittance System - PPRS) and the Contribution Payment Return Form (ME-5) were not completely supplied, the CAMD or the PROs shall notify the company of such deficiency/ies. To avoid inconvenience and delay in the posting of reports, kindly submit the required information or documents, together with the notice, immediately.