How Can Senior Citizens Become PhilHealth Members?
Senior citizens can claim their PhilHealth benefits in two ways:
- They become lifetime members. These are employed people aged 60 and above or retired individuals who paid no less than 120 months of contributions. Moreover, lifetime members get a free lifetime coverage premium, meaning there’s no longer a minimum payment requirement for them to claim their benefits.
- They become “automatic” members. Under the Expanded Senior Citizen Act or RA 10645, all senior citizens aged 60 and above automatically become PhilHealth members even if they didn’t pay for monthly contributions. Like lifetime members, non-paying senior citizens get a free lifetime coverage premium.

The Process of Registration
To register, lifetime members need to:
- Fill up two copies of PMRF or the PhilHealth Member Registration Form, 2 valid IDs, 2 pcs of 1×1 ID pictures, along with other documents that pertain to the nature of your work (government, private, uniformed) or membership (Survivorship, Disability, etc.).
- Submit the requirements to the PhilHealth Local Health Insurance Office (LHIO)
- Finally, wait for the MDR or Member Data Record and PhilHealth ID card.
Automatic senior citizen members need to proceed to either LHIO or the Office for the Seniors Citizens Affairs (OSCA) in the vicinity where they reside.
- In OSCA they only need to submit two copies of PMRF.
- In LHIO, they need to prepare 2 copies of accomplished PMRF together with the senior citizen ID or any valid ID, as well as 1×1 pictures.
- Lastly, wait for the MDR and PhilHealth ID card
Claiming PhilHealth Benefits for Seniors
To claim the PhilHealth benefits, some hospitals have a Health Care Institution (HCI) portal. There, the seniors can submit their senior citizen ID, MDR, or any ID to prove their identity and age. The hospital will then print the PhilHealth Benefit Eligibility Form (PBEF). If the PBEF says “YES,” the hospital will automatically process the deductions in the total bill.
If there is no portal, or if the PBEF says “NO,” they need to attach the following documents to their claims documents:
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