How to Do Philhealth Online Registration

Philhealth is essential in ensuring that me and my family are covered during medical emergencies. In fact, I availed Philhealth medical coverage 4 times: twice when My Beloved Wife gave birth to our two children, and twice when my son was hospitalized.

Our Philhealth coverage is actually deducted from our salaries. Now, many people wanted to know about the status of their Philhealth contribution. It can be done by going to Philhealth office or asking the Human Resource office of your company. Another way, which I believe is the most convenient, is by doing the Philhealth online registration.

If you are interested in Philhealth online registration, here is your handy guide:

1. Go to the Philhealth Electronic Registration System website.

Take note that Philhealth members who are employed, self-employed, OFWs, and retirees (either government or private sector) can use this online facility.

2. Fill-up your personal information at the online form. Make sure that you know your Philhealth Number.

3. You can also upload any of the following documents to ensure that your Philhealth online registration will be approved:

Affidavit of Baptismal Certificate

Alien Certification or Immigrant Certification of Registration

AFP ID

BSP ID

Barangay Certification

Birth Certificate

Certification fro the National Council for the Welfare of the Disabled Person

Company ID

DSWD or Local Social Welfare Development  Officer (LSWDO) Certification

Driver's License

GOCC ID

GSIS e-Card

HDMF ID

Insurance Commission ID

IBP ID

NBI Clearance

OFW ID

OWWA ID

Passport

Police Clearance

Postal ID

PRC ID

Seaman's Book

SEC ID

Senior Citizen's Card

SSS Card

Voter's ID

Take note that Philhealth online registration system will only accept JPG, PNG, GIF, and PDF file types. The scanned document should be clear and readable, and the file size per document should not exceed 2 MB.

4. The last step is to just answer the captcha and tick the check box for the attestation and then click “Submit Registration”.

And those are the easy steps for Philhealth online registration. Just wait for the approval of your application in your e-mail.

.

Why I will NOT Pay my Pag-IBIG Housing Loan at MERALCO's Bayad Center

In a previous post, I complained about SM Payment Center because of their collection of 5-peso transaction fee when I paid my Pag-IBIG housing loan. Well, I just discovered that MERALCO’s Bayad Center is much worse! The teller asked me to pay a whopping 7 pesos transaction fee when I paid my Pag-IBIG housing loan last night.

I asked the teller to return the bill for my Pag-IBIG housing loan. The lady answered, “bakit po?” Nagkahiyaan na. So I just continued paying the housing loan at that Bayad Center with a heavy heart.

I felt that I was robbed again and this is much worse.

You may be laughing My Dear Reader because I cried a bucket of tears just because of 7 pesos. “What a terrible miser”, you might be saying now. Sorry but 7 pesos is a big amount of money to me because I worked hard to earn that money.

Well, at least I know now that I should avoid Bayad Center like the plague.

Here is the list of amount service charge for Pag-IBIG housing loan payment:

SM Payment Center: 5 pesos

Bayad Center: 7 pesos

Metrobank: 0 peso

LBC: 0 peso

As you can see, Metrobank and LBC are the best payment centers for Pag-IBIG housing loans. Bayad Center must be avoided and boycotted to show to MERALCO that we do not tolerate their expensive transaction fee.

Why I will NOT Pay My Pag-IBIG Housing Loan at SM

I am not a fan of Banco de Oro (BDO) because it is the bank that still charge interbranch deposit fee. I have been victimized by this modus of BDO plenty of times and I always go out of their branches angry and felt cheated. Fifty pesos (50 Php) is not a small amount after all.

I thought that only BDO has this modus but I recently discovered that another Henry Sy owned corporation has found ways to get more money from its customers. That corporation is SM malls, particularly the SM Payment Center.

We went to SM Supermarket to buy some groceries. Since the SM Payment Center is just nearby, we decided to pay our Pag-IBIG monthly housing loan there.

My Beloved Wife is the one who queued and paid the Pag-IBIG housing loan. I was surprised when she told me that SM Payment Center charged us additional 5 pesos. I was furious and I felt cheated. MERALCO’s Bayad Center does not have additional fee for Pag-IBIG loans.

You may laugh at me because 5 pesos is just a small amount. But I still think that it was an injustice. How much money did SM collected for the many payors of Pag-IBIG loan?! I bet that it will reach millions for one year.

The experience taught me once again that I should never trust SM and its sister companies when it comes to money. I vow that I will never pay my Pag-IBIG housing loan or any other bill at any SM Payment Centers. SM and BDO always find ways to get people’s money.

.