PhilHealth: Driving Universal Health Coverage in the Philippines Since 1995

PhilHealth is a tax-exempt corporation established in the Philippines in 1995 to promote universal health coverage and provide accessible healthcare services to Filipinos. Over the years, PhilHealth has become a significant player in the Philippine healthcare system, providing financial risk protection to millions of Filipinos through a comprehensive health insurance program.

This article will delve into PhilHealth’s history, structure, and role in the Philippine healthcare system, highlighting its impact on improving access to healthcare services and promoting equitable healthcare.

History of PhilHealth

The concept of universal health coverage in the Philippines dates back to the 1987 Constitution, which recognized the right to health of every Filipino citizen. However, it was in the mid-1990s that the government took concrete steps to implement a national health insurance program.

In 1995, Republic Act 7875, also known as the National Health Insurance Act, was enacted, establishing PhilHealth as the implementing agency for national health insurance in the country. The law mandated the enrollment of all Filipinos in a social health insurance program, with the government and employed individuals sharing the premium payments.

Since then, PhilHealth has undergone various reforms and expansions to improve the scope and quality of its services. The Universal Health Care Act, also known as Republic Act 11223, was signed into law in 2019, which bolstered PhilHealth’s responsibility to deliver affordable and accessible healthcare services to every Filipino.

Structure of PhilHealth

PhilHealth is a tax-exempt corporation attached to the Department of Health, with a corporate charter that defines its functions, powers, and governance structure. A Board of Directors is responsible for governing PhilHealth. The board comprises a Chairman, a Vice Chairman, and nine members the President of the Philippines designates.

A President and Chief Executive Officer responsible for the corporation’s overall management and administration head. It has six regional offices, 17 local health insurance offices, and over 40,000 accredited healthcare providers, including hospitals, clinics, and primary care facilities.

PhilHealth Services and Programs

PhilHealth’s primary service is its health insurance program, which provides financial risk protection to its enrolled members by covering a portion of their healthcare expenses. Its membership comprises different categories, including indigents, formal sector employees, overseas Filipino workers, and senior citizens.

The corporation offers many benefits, covering hospitalization, outpatient care, preventive services, and catastrophic illnesses. It also provides specific programs for conditions like cancer, HIV/AIDS, and tuberculosis.

Aside from its insurance program, PhilHealth also implements various programs and initiatives to improve the quality of healthcare services in the country. It has a Health Facilities Enhancement Program, which provides funding for constructing and renovating healthcare facilities, and a Primary Care Benefits Package, which aims to strengthen primary healthcare services in rural and underserved areas.

Impact of PhilHealth

Since its establishment, PhilHealth has made significant strides in achieving its goal of universal health coverage in the Philippines. Its insurance program has expanded to cover more Filipinos, with enrollment reaching over 100 million in 2020.

PhilHealth’s services have also improved access to healthcare services, particularly for the poor and vulnerable sectors of society. Its benefit packages have enabled patients to receive quality healthcare without incurring high out-of-pocket expenses, reducing the financial burden of healthcare on households.

Furthermore, the programs and initiatives of PhilHealth have contributed to enhancing the standard of healthcare services in the Philippines. Its funding support for healthcare facilities has led to the construction and renovation of hospitals and clinics. In contrast, its primary care program has strengthened the delivery of essential healthcare services in remote and marginalized areas.


In conclusion, PhilHealth has driven universal health coverage in the Philippines since 1995. Its comprehensive health insurance program has provided financial risk protection to millions of Filipinos, enabling them to access quality healthcare services without incurring high out-of-pocket expenses.

We cannot overstate the impact of PhilHealth in improving access to healthcare services and promoting equitable healthcare for all. PhilHealth has significantly contributed to improving the quality of healthcare services throughout the country, with particular attention to underserved and remote areas, through its various programs and initiatives.

However, PhilHealth has also faced challenges over the years, including issues of corruption and mismanagement. The recent controversies surrounding its financial management have raised questions about its governance and accountability, prompting calls for reforms and transparency.

Despite these challenges, PhilHealth remains a critical institution in the Philippine healthcare system, with the potential to drive positive change and improve the health outcomes of millions of Filipinos. The COVID-19 pandemic and other health challenges have highlighted the crucial role of PhilHealth in providing accessible and affordable healthcare services in the Philippines.

PhilHealth must prioritize the needs and interests of its beneficiaries and stakeholders by ensuring the efficient and effective delivery of its services and programs. Through sustained efforts to promote universal health coverage and equitable healthcare for all, PhilHealth can become a catalyst for change, transforming the Philippine healthcare system into a more responsive, accessible, and compassionate approach that meets the needs of every Filipino.

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