PhilHealth and SSS Maternity Benefits Every Parent Needs to Know

Published: June 19, 2018 | Updated: June 8, 2020 | Posted by: Venus Zoleta | Government Services

Maternity Benefits in the Philippines | Moneymax

Is a baby on the way? As a soon-to-be parent, you couldn’t be more excited. But you also couldn’t help being worried about the costs of pregnancy and childbirth. Do you have enough money to cover all of them?

Whether you’re financially ready for a baby or not, you should know all the government-mandated benefits you’re entitled to and factor them into your budget.

Maternity benefits in the Philippines may not be worth that much, but they can certainly help ease the financial burden that comes with preparing for a newborn.

Who Can Receive Maternity Benefits in the Philippines?

Maternity Benefits in the Philippines

Before we discuss the maternity benefits for Filipino moms, it’s important to check first if you’re qualified for them.
Employed and stay-at-home or work-from-home mothers—married or not—can avail of maternity benefits of PhilHealth and SSS. To qualify, pregnant moms must meet the requirements of these government agencies.

Requirements for SSS Maternity Benefits

  • At least three posted monthly SSS contributions within 12 months before the semester of delivery, miscarriage, or abortion (For example, if your due date is September 2018, you should have paid at least three monthly contributions from April 2017 to March 2018.)
  • Notification and proof of pregnancy (ultrasound report, medical certificate, or pregnancy test stick) sent to the employer or SSS (for self-employed or unemployed members)

Requirements for PhilHealth Maternity Benefits

  • Employed members: At least three posted monthly PhilHealth contributions within six months before availing the maternity benefits
  • Self-employed or unemployed voluntary members: At least nine posted monthly contributions before availing the maternity benefits
  • OFW and sponsored members: PhilHealth membership is within the validity period.

SSS Maternity Benefits

SSS Maternity Benefits

Instagram photo by @bellara24

Maternity Leave

Pregnant mothers in the Philippines are entitled to a paid 105 days of maternity leave in case of normal delivery, and 60 days of leave credits for miscarriage or abortion as required by Republic Act 7322. 7 of those leave credits are transferable to fathers. Those who give birth via caesarian section can take a leave for 78 calendar days.

Your employer may provide longer maternity leaves beyond what the law mandates. Check your employment contract and collective bargaining agreement (CBA) or ask your HR department about it.

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Daily Maternity Benefit

While you’re on maternity leave either due to childbirth or miscarriage, you’ll receive a daily cash allowance equal to your average daily salary credit based on the SSS maternity benefit computation.

This SSS maternity benefit is paid for 60 days for normal delivery or 78 days for caesarian delivery.

Your employer is required by law to issue your full maternity benefit within 30 days since you filed your maternity leave. The SSS will then reimburse the full amount that your employer paid to you. For self-employed or voluntary members, the SSS will pay the benefit directly to them.

PhilHealth Maternity Benefits

PhilHealth Maternity Benefits

PhilHealth covers the health care needs of its active, pregnant members and their newborns through different maternity benefit packages.

1. Antenatal Care Package

  • Pre-natal consultation
  • Essential health care services

How much the benefit is worth:

PHP 1,500 in PhilHealth-accredited non-hospital facilities

2. Maternity Care Package

  • Essential health care services during entire pregnancy until the mother gives birth
  • Follow-up visits from three to seven days after childbirth

How much the benefit is worth:

  • PhilHealth-accredited hospitals: PHP 6,500
  • Maternity clinics, infirmaries, birthing homes, and other accredited non-hospital facilities: PHP 8,000

3. Normal Spontaneous Delivery Package

  • Essential health care services for normal, low-risk childbirth and post-delivery period
  • Follow-up visits from three to seven days after childbirth

How much the benefit is worth:

  • Accredited hospitals: PHP 5,000
  • Accredited non-hospital facilities: PHP 6,500

4. Maternity Benefits for Other Types of Childbirth

PhilHealth also covers health care services for caesarian delivery and other types of delivery in any accredited hospital.

How much the benefit is worth:

  • Caesarian delivery: PHP 19,000
  • Vaginal delivery after C-section: PHP 12,120
  • Breech extraction: PHP 12,120
  • Complicated vaginal delivery: PHP 9,700

5. Newborn Care Package

Newborns within their first hours of life, whether normal or caesarian delivery, can receive the following PhilHealth benefits:

    • Newborn screening test
    • Newborn hearing screening test
    • Essential newborn care (eye prophylaxis, weighing, first dosage of hepatitis B and BCG vaccines, etc.)

How much the benefit is worth: PHP 1,750

6. Z Benefits for Premature and Small Newborns

These are benefit packages for expectant moms (24 to 36 and 6/7 weeks pregnant) who are at risk of premature delivery, as well as premature newborns (fetal age of 24 weeks to less than 37 weeks) and small babies (500g to 2,499g fetal weight).

How much the benefit is worth:

  • Prevention of premature delivery: PHP 600 to PHP 4,000
  • Premature newborns with fetal age of 24 weeks to less than 32 weeks: PHP 35,000 to PHP 135,000
  • Premature newborns with fetal age of 32 weeks to less than 37 weeks: PHP 24,000 to PHP 71,000

Final Thoughts

To make sure that you’ll get the maternity benefits of SSS and PhilHealth, check or update your membership status with these agencies. Ask for a Member Data Record (MDR) from Philhealth and a Static Information Sheet from SSS. You also need to check your SSS and PhilHealth contributions to confirm if your employer is remitting them.

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