If you add a dependent to your PhilCare health insurance (HMO), your client may pay for that dependent. If your client does not pay, you can pay through a monthly payroll deduction. The deduction is a flat monthly price in Philippine pesos (PHP) for the PhilCare plan year 1 July 2026 to 30 June 2027.
Note: If your client pays for your dependent, nothing is deducted from your pay for that dependent.
Who pays for your dependent
Your client may choose to pay for a dependent's PhilCare cover. If your client pays, nothing is deducted from your pay for that dependent.
If your client does not pay, you can pay for the dependent's PhilCare cover yourself through a monthly payroll deduction. If your employment agreement includes health cover for a dependent, your client pays for it.
Monthly PhilCare prices in pesos
These are the flat monthly prices for a PhilCare dependent you pay for through payroll, in Philippine pesos, for the plan year 1 July 2026 to 30 June 2027:
PhilCare dependent | Price (PHP per month) |
Dependent: spouse, partner or child | 3,000 |
Extended dependent: parent | 4,500 |
The price is a flat amount in pesos and is the same for every client.
How the deduction works
Ask your HR Manager to add your dependent. See "Philippines: How to Add or Remove a Dependent on PhilCare".
Before the dependent is added, your HR Manager tells you if your client pays. If your client does not pay, your HR Manager confirms the monthly deduction amount with you.
After the dependent is added, the amount shows in the Outstaffer AI platform under Profile > Health Insurance > Monthly Deduction Amount.
The amount is deducted from your pay each month while the dependent is covered.
If you or your dependent is not a PhilHealth member, tell your HR Manager when the dependent joins.
When prices can change
These prices are for the PhilCare plan year 1 July 2026 to 30 June 2027. They are reviewed when PhilCare renews the plan.
For which family members can be dependents, see Philippines: Who Can Join Your PhilCare Cover (2026-27).
Who to contact
This article is general information, not the full PhilCare contract. For the full terms of your PhilCare cover, ask your HR Manager.
For questions about your deduction or about adding a dependent, contact your HR Manager through a support request in the Outstaffer AI platform.