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How much protection does PhilHealth provide Filipinos?


  • Stella Luz A. Quimbo

    (UP School of Economics, Diliman, Quezon City)

  • Aleli D. Kraft

    (UP School of Economics, Diliman, Quezon City)

  • Joseph J. Capuno

    (UP School of Economics, Diliman, Quezon City)

  • Carlos Tan

    (UP School of Economics, Diliman, Quezon City)


The Filipino household would usually cite illness and injury as adverse events they experience and medical expenditures arising from these health shocks are large. How does the average Filipino household cope with health shocks? How much financial protection then do Filipino families really get from PhilHealth? This policy note presents estimates of the amount of financial protection provided by PhilHealth to Filipino households, using a metric called the benefit delivery rate (BDR). The studyÂ’s BDR estimates show that, on the average, Filipinos receive scant financial risk protection from PhilHealth. The elderly and the formal worker enjoy the most financial risk protection from PhilHealth. The ones with the least protection are the OFWs, women, and the poor. Policy simulations suggest that a better delivery rate of PhilHealth benefits can be achieved even under the current program design, if it is coupled with effective program administration, a strong commitment to efficient claims processing, and the full implementation of premium contributions increases.

Suggested Citation

  • Stella Luz A. Quimbo & Aleli D. Kraft & Joseph J. Capuno & Carlos Tan, . "How much protection does PhilHealth provide Filipinos?," PCED Policy Notes, Philippine Center for Economic Development.
  • Handle: RePEc:phs:pcedpn:201302

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    Cited by:

    1. Joseph J. Capuno & Aleli D. Kraft & Stella A. Quimbo & Carlos Antonio, 2013. "Shocks to Philippine Households: incidence, idiosyncrasy, and impact," Philippine Review of Economics, University of the Philippines School of Economics and Philippine Economic Society, vol. 50(2), pages 1-27, December.
    2. Kai Kaiser & Caryn Bredenkamp & Roberto Iglesias, 2016. "Sin Tax Reform in the Philippines," World Bank Publications, The World Bank, number 24617.

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