Guide on PhilHealth Maternity Benefit Limitation of Coverage
PHILHEALTH MATERNITY BENEFIT – The following conditions are not covered under the Philippine Health Insurance Corp. benefit offer.
For women, one of the best ways to prepare for pregnancy or childbirth is to maintain an active account to entities where you can seek for a Maternity Benefit. Aside from social insurance institutions such as the Government Service Insurance System (GSIS) and the Social Security System (SSS), another state-run entity that has the said offer is the Philippine Health Insurance Corporation or PhilHealth.
Across the nation, millions of Filipinos are in a constant pursuit to maintain their PhilHealth membership. Undeniably, its health insurance offer is the most affordable health insurance most especially for low-income individuals.
To maintain an active and updated membership to PhilHealth, a member must submit a premium which can be done on a monthly, quarterly, or semi-annual basis. The state-run health insurance institution has several offers for its members.
Members of PhilHealth with updated accounts may turn to the state-run health insurance agency during instances of in-patient and out-patient cases. It also has coverage for surgeries as well as childbirth or deliveries.
However, it is important to be well-aware that the PhilHealth Maternity Benefit has limitations. There are conditions that excluded from its coverage such as the following cases:
- Pregnancy at the age of 19 years old
- First pregnancy at the age of 35 and beyond
- Multiple births such as twins and triplets
- Abnormalities of the ovaries, uterus, or placenta
- History of three miscarriages
- History of serious medical conditions such as heart disease, diabetes, moderate to severe asthma, hypertension, etc.
- History of one stillbirth
Truth be told that the amount that a member may get under the Maternity Benefit offer which may range from Php 1,000 to Php 19,000 based on the delivery package can be a big help to the mother and the new-born baby, most especially with the hospital expenses and the purchasing of the needs of the baby.