Showing posts with label OFW Benefits. Show all posts
Showing posts with label OFW Benefits. Show all posts

Monday, April 03, 2017

What are the OFW's Benefits from PhilHealth and How to Claim It?

As an Overseas Filipino Worker (OFW) it is important that you are prepared with health insurance that you can lean on in times of emergency, not just for yourself, but also for your dependents here in the Philippines.  Here in the Philippines, the most common health care insurance program is the Philhealth from the government. As OFW, you are encouraged to be an active member to fully enjoy its benefit.

(PhilHealth para sa OFW: Alamin ang inyong Benepisyo)

As an Overseas Filipino Worker (OFW) it is important that you are prepared with health insurance that you can lean on in times of emergency, not just for yourself, but also for your dependents here in the Philippines.

Here in the Philippines, the most common health care insurance program is the Philhealth from the government. As OFW, you are encouraged to be an active member to fully enjoy its benefit.

Who are the OFWs to be covered by the Philhealth?

1. Sea-based Filipino workers or seafarers – any person who is employed or engaged in any capacity on board a seagoing ship navigating foreign seas other than a government ship used for military or non-commercial purposes. Example - fishermen, cruise ship personnel and those serving foreign maritime mobile offshore and drilling units.

2. Land-based OFWs - an OFW who is other than a sea-based OFW.

3. Filipinos with Dual Citizenship – Filipinos who are also citizens of other countries.

(Watch:Benepisyong PhilHealth para sa mga OFW)

As an OFW, what are the advantages of being a Philhealth member?

1. As an OFW, you may avail of PhilHealth benefits for hospital confinements and out-patient surgeries in the Philippines. Confinements of OFWs and their dependents in any accredited healthcare institution in the Philippines are being paid for by PhilHealth through the All Case Rate payment scheme. Confinements of OFs overseas may be reimbursed

2. OFW confined abroad are entitled to PhilHealth benefits through claim reimbursements.Members are given 180 days upon discharge to submit their claim documents to any of the PhilHealth offices in the Philippines. 

3. Qualified dependents of members are entitled to the same set of benefits as the principal members. This means reduced stress for OFs from worrying about family members’ health care needs while abroad. Should any of the OF’s qualified dependents gets hospitalized in the Philippines, the same set of benefits shall be available for the dependents to avail themselves of. PhilHealth supports inpatient care through the All Case Rate payment scheme for most illnesses and surgical procedures.

4. OFWs may be entitled to Lifetime membership. Overseas Filipinos who have reached the age of retirement and have paid at least 120 months’ contribution are automatic Lifetime members of PhilHealth

5. Availment for both the OF and qualified dependents is easy and readily accessible. Should hospitalization become necessary for both the OF and dependents, they need not worry about numerous documents to submit because most accredited healthcare institutions are now connected to the Health Care Institution Portal where eligibility to avail of benefits can readily be checked?

6. PhilHealth covers over 4,600 medical and surgical procedures including cancer cases and other dreaded diseases. Most illnesses and other causes of hospitalization are being paid for by PhilHealth. 

(Watch:Former OFW can't avail Philhealth benefits)

The following are OFWs and their benefits under Philhealth

1. Inpatient Benefits 

  • These benefits are paid to the accredited Health Care Institution (HCI) through All Case Rates.
  • The case rate amount shall be deducted by the HCI from the member’s total bill, which shall include professional fees of attending physicians, prior to discharge
  • The case rate amount is inclusive of hospital charges and professional fees of attending physician
Availment Condition:
  • Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
Documents needed

  • A copy of Member Data Record or PhilHealth Benefit Eligibility Form (PBEF) 
  • duly accomplished PhilHealth Claim Form 1

2. Outpatient Benefits

A. Day Surgeries (Ambulatory Or Outpatient Surgeries) Are Services That Include Elective (Non-Emergency) Surgical Procedures Ranging From Minor To Major Operations, Where Patients Are Safely Sent Home Within The Same Day For Post-Operative Care

B. Radiotherapy

C. Hemodialysis

D. Outpatient Blood Transfusion 

E. Primary Care Benefits

Availment Condition
  • Member must have at least three (3) months’ premium contributions within the immediate six (6) months prior to the month of availment
Documents Needed

  • Copy of Member Data Record and duly accomplished PhilHealth Claim Form 1

3. Z Benefits

  • Acute Lymphocytic / Lymphoblastic Leukemia (standard risk) P210,000
  • Breast Cancer (stage 0 to IIIA) P100,000
  • Prostate Cancer (low to intermediate risk) P100,000
  • End-state renal disease eligible for requiring kidney transplantation (low risk) P600,000
  • Coronary Artery Bypass Graft Surgery (standard risk) P550,000
  • Surgery for Tetralogy of Fallot in Children (P320,000)
  • Surgery for Ventricular Septal Defect in Children (P250,000)
Cervical Cancer:
  • Chemoradiation with Cobalt and Brachytherapy (low dose) or Primary surgery for Stage IA1, IA2 – IIA1 P120,000
  • Chemoradiation with Cobalt and Brachytherapy (low dose) or Primary surgery for Stage IA1, IA2 – IIA1 P120,000
  • Chemoradiation with Linear Accelerator and Brachytherapy (high dose) P175,000
(Mobility,  Orthosis, Rehabilitation, Prosthesis Help)
  • first right and/or left below the knee P15,000
  • both limbs P30,000
Selected Orthopedic Implants

1. Implants for Hip Arthroplasty

  • Implants Hip Prosthesis, cemented*P103,400
  • Total Hip Prosthesis, cementless**P169,400
  • Partial Hip Prosthesis, bipolar P73,180
  • *cemented: 66 years old and above 
  • ** cementless: 65 years and 364 days old and below

2. Implants for Hip Fixation

  • Multiple screw fixation (MSF)*** 6.5mm cannulated cancellous screws with washer - P61,500 
  • ***59 years and 364 days old and below (both displaced and undisplaced fracture); 60 years old and above (undisplaced fracture)

3. Implants for Pertrochanteric Fracture

  • Compression Hip Screw Set (CHS) - P69,000
  • Proximal Femoral Locked Plate (PFLP) - P71,000

4. Implants for Femoral Shaft Fracture

  • Intramedullary Nail with Interlocking Screws - P48,740
  • Locked Compression Plate (LCP) – Broad / Metaphyseal / Distal Femoral LC - P50,740

“PD First” - for End-Stage Renal Disease Requiring Peritoneal Dialysis P270,000 per year

Colon and Rectum Cancer Colon Cancer

  • Stage I-II (low risk) – P150,000
  • Stage II (high risk) – III – P300,00
Rectum Cancer
  • Stage I (clinical and pathologic) – P150,000
  • Pre-operative clinical stage I but with post-operative pathologic stage II-III
  • using linear accelerator as mode of radiotherapy) - P400,000
  • using cobalt as mode of radiotherapy - P320,000
  • Clinical Stage II-III
  • using linear accelerator as mode of radiotherapy) - P400,000
  • using cobalt as mode of radiotherapy -P320,000

(Philhealth - Z Benefits)

4. MDG-Related Benefits

Benefits Package and Amount of Benefit

  • Outpatient Malaria Package - P600.00
  • Outpatient HIV-AIDS Package - P30,000.00 per year (P7,500/quarter)
  • Outpatient Anti-Tuberculosis Treatment through Directly-Observed Treatment Short-course (DOTS) Package P4,000
  • P2,500 – Intensive phase
  • P1,500 – Maintenance Phase
  • Voluntary Surgical Contraception Procedures - P4,000.00
  • Animal Bite Treatment Package - P3,000.00
(Watch:How to claim Philhealth benefits of an OFW)

Filing a claim for overseas confinements

If an Overseas Filipino member is confined abroad, the following documents must be sent either via overseas courier or electronic mail to the PhilHealth Regional Office or Local Health Insurance Office nearest the OF’s Philippine address within 180 calendar days from the date of discharge:

1. Medical abstract or medical record written in English or copy of Medical Certificate indicating the final diagnosis, confinement period and medical services rendered;

2. Copy of the operative record written in English, if an operation was performed

3. Statement of account

4. Official Receipt issued by the hospital and doctor

5. Properly filled out PhilHealth Claim Form 1

If an Overseas Filipino member or his qualified dependent is confined in the Philippines, a properly filled out PhilHealth Claim Form 1 must be submitted to the Billing Section of the accredited hospital before being discharged.



Saturday, April 01, 2017

P50,000 From OWWA To All OFW Members Undergoing Treatment for Dreaded Illnesses

As an OFW, do you know that OWWA and PHILHEALTH has introduced a program called OFW MEDPLUS? The P150 million budget for SMAP or the Supplemental Medical Assistance Program for OFWs is a financial support up to P50,000 that are OWWA members undergoing treatment for fatal or dreaded illnesses such as cancer, kidney ailments, emerging infections like Zika, Mers, Ebola and other illnesses that requires long medication and extensive medical procedure.

According to OWWA: "It will be given on a first come, first served basis on the amount allocated...there will be no limit in the frequency of availment as long as it does not exceed the amount of PhP50,000 and covers the same medical conditions aligned with the PhilHealth system."

Even if you are confined abroad you can also avail of this benefit. This is an addition to the benefits that an OFW can get aside from the Philhealth benefit that you can visit and read here


Supplemental Medical Assistance Program for OFWs or MEDplus is a one-time financial assistance at a maximum of FIFTY THOUSAND PESOS (P50, 000.00) extended by Overseas Workers Welfare Administration (OWWA) in equivalent to Philippine Health Insurance Corporation (Philhealth) benefits through identified case rates. This serves as a medical relief for active OWWA and Philhealth member-OFWs who are afflicted with dreaded diseases and were hospitalized, either at the jobsites or while in the Philippines.

Program beneficiaries may utilize the maximum benefit in the amount of FIFTY THOUSAND PESOS (P50, 000.00) per member of only one dreaded disease originally diagnosed even if the beneficiary has multiple illnesses. Multiple availment is only allowed provided OFW has not maximized the program in the first availment and that it has the same dreaded disease.

Availment is within the validity of OWWA membership with 60-day extension.

Eligible availees of MEDplus are all OWWA and Philhealth OFW members, active at the time of hospitalization and diagnosed with dreaded diseases as listed and identified by Philhealth.

Availees must comply the following documentary requirement in applying to the nearest OWWA Regional Office:

Duly accomplished MEDplus application form.

Original copy of Philhealth Benefit Payment Notice (BPN) – a report of actual payments made by Philhealth to one’s confinement/availment.

One (1) copy of passport-size picture.

Proof of OWWA membership contribution.

Waiver from the claimant that the information accessed by OWWA from Philhealth is to be used only for MEDplus grant

Duly notarized Special Power of Attorney (SPA) executed by OFW, if OFW is abroad and the filer-claimant is the next-of-kin (NOK).

Philippine Statistics Authority (PSA) - Authenticated death certificate of deceased OFW and marriage contract or birth certificate of NOK-claimant, if the OFW is deceased.

OWWA has always been true to its twin mandate primarily in protecting and promoting the well-being and delivering useful welfare services and benefits to all OFW members hence the approval of MEDplus in partnership with Philhealth.

OFWs are encouraged to update and activate their membership with OWWA & Philhealth as MEDplus serves as an additional to OFWs’ health benefit.

For further inquiries, OWWA RWO 10’s hotline is 0917-548-0033 or (08822) 722863.


Sunday, July 10, 2016

OWWA And PhilHealth Launches New MEDPLUS Program For OFWs

Another hooray for OFWs for their personal health insurance or public health insurance for their families!
The Vice President for Corporate Affairs Group of

PhilHealth, Dr. Israel Francis Pargas announced the recently launched program for Overseas Filipino Workers - the OWWA ad PHILHEALTH OFW MEDPLUS.

 Bandila also reported it here in this video news below.


OFW MedPlus is a program worked together by OWWA (Overseas

Workers Welfare Administration) and PhilHealth which provides health assistance and medical health benefit for  OFW (Overseas Filipino Worker)  in case they are confined in hospitals abroad.

Aside from the OFW, this assistance can also be availed by the OFW's qualified dependent/s in the Philippines. 
Dr. Pargas further explained, “…it’s a benefit for our active members and PhilHealth members na kung sila ay mao-ospital or maco-confine due to a dreaded disease,[mayroong] on top of [that] na ibibigay ang OWWA as a benefit doon sa ating mga members…This is a 50,000-peso benefit para sa mao-ospital na mga active OWWA and PhilHealth members. So on top of that na binibigay ng PhilHealth, sila ay bibigyan pa rin ng 50,000 [pesos]… although this is for one time financial incentive...”

Requirements For The OFW MedPlus

According to Dr. Pargas, for OFWs to be able to avail the said

benefit, they should qualify to the following:

1. The Overseas Filipino Worker should be an active OWWA and PhilHealth member.

2. The identified illness must be under the category of “dreaded” disease.

3.  The annual benefit limit from PhilHealth hasn’t consumed.

4.   The health care facility where confined is accredited.

Process for Filing Claim Forms

If confined abroad, the Overseas Filipino member should provide

their claim forms (which is also known as PhilHealth Claim Form 1) together with the medical record (or operation record if operation is performed) and Statement of Account. Within 180 days from the date of discharge, it should be sent either via overseas courier or e-mail to the PhilHealth Office or any Local Health Insurance Office nearest to the member.

On  the other hand, if the OFW or his qualified dependent is confined in the Philippines, claim form (PhilHealth Claim Form 1) must be neatly filled out and submitted to the Billing Section of the accredited hospital before the date of  discharged.



Dr. Pargas plainly discussed that the two departments

provided an amount of nearly 150 Million Pesos for this year only. This is favourable to all our OFWs and their families in case of emergency for medical health insurance benefits. Hopefully, this program could help and assist thousands of OFWs across the globe who may have health issues. 




Also, you may inquire at their respective offices for further clarifications or you may watch the video segment of "Ikonsulta Mo" in which OFW MedPlus is discussed. Here's the video:

Go to time
1:22:37 - Ikonsulta Mo: Philhealth OFW MEDplus


Sunday, May 15, 2016



Senator Sonny Angara has hailed the signing into law of a bill that institutionalizes and strengthens the government's support to overseas Filipino workers (OFWs) and their families by introducing reforms to the Overseas Workers Welfare Administration (OWWA).


Senator Sonny Angara has hailed the signing into law of a bill that institutionalizes and strengthens the government's support to overseas Filipino workers (OFWs) and their families by introducing reforms to the Overseas Workers Welfare Administration (OWWA).

"Nagpapasalamat po ako sa ating Pangulong Aquino at sa ating mga kasamahan sa Senado at Kongreso sa pagpasa ng batas na ito na naglalayong palakasin ang mandato ng OWWA upang mas matugunan ang mga pangangailangan ng ating mga dakilang OFW at ang kanilang mga pamilya," said Angara, acting chairman of the Senate labor committee and sponsor and one of the authors of the new OWWA law.

Under Republic Act 10801, OWWA is declared as a national government agency and an attached agency of the Department of Labor and Employment, and would now receive government funding instead of relying solely from the contributions of its OFW members.
The recently enacted law also mandates greater representation of OFWs in the OWWA Board of Trustees by increasing the number of representatives from the OFW sector from the present three to five (two from land-based OFWs, two from sea-based OFWs and one from the women sector) while representatives from the government will be reduced from seven to six.
"As the principal agency of the government that serves and promotes the rights, interest and welfare of OFWs and their families, the composition of the OWWA Board of Trustees must be reformed to really represent the OFW sector. Sa ilalim ng batas na ito, higit nang mabibigyan ng boses ang ating 2.4 milyong OFWs sa kung saan mapupunta ang pondo ng OWWA at sa kung anong programa at serbisyo ang dapat bigyang prayoridad at lalo pang paigtingin," Angara said.
RA 10801 further boosts the government's capacity to assist migrant workers who lost their jobs by making the reintegration of OFWs one of the core programs of OWWA, which will be funded with not less than 10 percent of the total collection every year.

The reintegration program includes granting of loans and other financial support, trainings on financial literacy, entrepreneurial development, techno-skills, business counseling as well as job referrals for both local and overseas employment.

WHAT ARE YOUR OWWA Benefits And How To Avail Them?

The new law also seeks to ensure transparency in the utilization and management of the OWWA funds, and mandates the OWWA to maintain an interactive website to collect OFW feedback, comments, suggestions and complaints on existing programs and services.
"Gaano man kalayo ang mga OFW sa ating bansa, nais nating iparamdam sa kanila, sa pamamagitan ng batas na ito, na mayroon tayong gobyerno na nakikinig at agad tumutugon sa kanilang mga hinaing at problema. We should better equip and strengthen the OWWA so it can truly fulfill its special duty of developing and implementing welfare programs and services that respond to the needs of its member-OFWs and their families," Angara said.


SEC. 34. Guiding Principles. – Pursuant to its mandate, the OWWA shall provide gender-responsive reintegration programs, repatriation assistance, loan and credit assistance, on-site workers assistance, death and disability benefits, health care benefits, education and skills training, social services, family welfare assistance, programs and services for women migrant workers and other appropriate programs that provide timely social and economic services.
Nothing in this Act shall be construed as a limitation or denial of the right of an OFW to avail of any benefit plan which may be adopted in the employment contract, or offered voluntarily by employers, or by the laws of the receiving country, over and above those provided under this Act.
SEC. 35. Benefits and Services to OFWs. –
(a) Reintegration of OFWs.  The reintegration of OFWs, taking into consideration the needs of women migrant workers, shall be one of the core programs of the OWWA. In this regard, and for purposes of policy and program coordination, the National Reintegration Center for OFWs created under Republic Act No. 10022 shall be an attached office of the OWWA. It shall be headed by an Executive Director who shall be under the supervision of the OWWA Administrator.
To be able to sustain the viability of this program, not less than ten percent (10%) of OWWA’s collection of contribution for the immediately preceding year shall be allocated annually for the reintegration program,
(b) Repatriation Assistance. – Consistent with the provisions of Republic Act No. 8042, as amended, the OWWA shall assist the Department of Foreign Affairs in providing OFWs with services necessary to facilitate repatriation, as may be required.
(c) Loan and Other Credit Assistance. – The OWWA shall provide low-interest loans to member-OFWs. It shall have the authority to hire experts in finance or banking to assist in implementing the said loan programs.
(d) Workers Assistance and On-site Services. – The OWWA shall sustain and maintain assistance to member-OFWs in all its overseas and regional offices. Services shall be gender-responsive and shall include information regarding the names, occupation/job categories and addresses of the member-OFWs; legal assistance providing guidance and information on protection of migrant rights, including the prevention of gender-based violence; developing materials for the predeparture orientation seminars; conducting psycho-social counseling services; conciliation services; appropriate services and intervention for victims of gender-based violence, and outreach missions, among others. The OWWA shall likewise make competent representations with employers, agents, and host government authorities to assist member-OFWs in obtaining relief from grievances and work-related issues, including claims for unpaid wages, and illegal recruitment cases among others.
(e) Social Benefits. – A member-OFW shall be covered with the following social benefits:
(1) Death and Disability Benefits:
(i) Death Benefits. – A member shall be covered with life insurance for the duration of his or her employment contract. The coverage shall include one hundred thousand pesos (P100,000.00) for natural death and two hundred thousand pesos (P200,000.00) for accidental death;
(ii) Disability and Dismemberment Benefits. – Disability and dismemberment benefits shall be included in a member’s life insurance policy, as provided for in the impediment schedule contained in the OWWA Manual of Systems and Procedures. The coverage is within the range of two thousand pesos (P2,000.00) to fifty thousand pesos (P50,000.00);
(iii) Total Disability Benefit. – In case of total permanent disability, a member shall be entitled to one hundred thousand pesos (P100,000.00); and
(iv) Burial Benefit. – A burial benefit of twenty thousand pesos (P20,000.00) shall be provided in case of the member’s death.
Based on actuarial studies, the Board may increase the amount of the abovementioned benefits.
(2) Health Care Benefits. – Within two (2) years from the effectivity of this Act, the OWWA shall develop and implement health care programs for the benefit of member-OFWs and their families, taking into consideration the health care needs of women as provided for in Republic Act No. 9710, or the Magna Carta of Women, and other relevant laws.
(3) Education and Training Benefits. – A member, or the member’s designated beneficiary, may avail any of the following scholarship programs, subject to a selection process and accreditation of participating institutions:
(i) Skills-for-Employment Scholarship Program. – For technical or vocational training scholarship;
(ii) Education for Development Scholarship Program. – For baccalaureate programs; and
(iii) Seafarers’ Upgrading Program. – To ensure the competitive advantage of Filipino seafarers in meeting competency standards, as required by the International Maritime Organization (IMO), International Labor Organization (ILO) conventions, treaties and agreements, sea-based members shall be entitled to one upgrading program for every three (3) membership contributions.
The annual scholarship lists of all these programs shall be submitted to the Board.
SEC. 36. New Programs, Interactive Website and Extension of Services. – The OWWA shall continue to develop and implement new programs to meet new OFW needs and requirements as they arise, and to assess the effectiveness of existing services and benefits in serving the welfare of OFWs.
The OWWA shall also maintain an interactive website to collect OFW feedbacks, comments, suggestions, and complaints on existing programs and services.
The OWWA may also extend appropriate programs or services to non-members, as may be determined by the Board.