National Health Insurance Program (NHIP)
The Philippine Health Insurance Corporation (PhilHealth) is mandated to implement the National Health Insurance Program (NHIP) through Republic Act (RA) 10606 or the National Health Insurance Act (NHIA) of 2013 which amended RA 7875 (NHIA of 1995). The program aims to provide health insurance coverage and ensures access to cost-effective and quality health care services for all Filipinos. Under this program, the premium contribution of the poor families identified by the National Household Targeting System for Poverty Reduction are subsidized by the government. They are also covered in the No Balance Billing Policy, where no other fees and expenses shall be charged and be paid for by the indigent patients above and beyond the package rates. NHIP also provides coverage to senior citizens who are not currently covered under the program.
The following are the list of benefit packages offered by PhilHealth to its members: a) inpatient hospital care ; b) outpatient care ; c) emergency and transfer services; and d) other health services that PhilHealth and the Department of Health (DOH) shall determine to be appropriate and cost-effective. Some of the packages provided by the program include malaria package, outpatient HIV/AIDS treatment package, TB-DOTS package, maternity care package, medical detoxification package, Z-benefit packages for catastrophic diseases such as cancer, cardiovascular disease, among others.