Frequently Asked Questions

At Qcare, we understand the challenges of working abroad. That’s why we’ve gathered the most frequently asked questions and answers—to help you find the support and information you need, quickly and easily.

ATTENTION KABAYAN: Lahat ng OFWs ay required mag-enroll sa PhilHealth.

Paalala, Kabayan:

• Kahit nagtatrabaho ka abroad, *covered ka pa rin ng PhilHealth*! Under the Universal Health Care Law (RA 11223), OFWs are required to enroll — at may benepisyo ka kahit nasa ibang bansa.

• PhilHealth is extra protection bukod pa sa insurance na binibigay ng employer mo.

Para sa’yo at sa pamilya mo:

• PhilHealth helps with *emergency needs*, *hospital bills*, at *medical support* para sa dependents mo sa Pilipinas.

• Pag-uwi mo, pwede mo ring gamitin ang coverage — kaya mas maigi nang handa kaysa magsisi sa huli.

Sino ang covered sa PhilHealth? Kung isa ka sa mga sumusunod, required ka mag-enroll:
  • Land-based OFWs – Kasama diyan ang mga kasambahay, caregiver, factory worker, construction worker, waiter, o nurse abroad
  • Sea-based workers – Seaman, cruise ship crew, o kahit sinong nagtatrabaho sa barko
  • Dual citizens – Pinoy na may dalawang citizenship pero nagtatrabaho sa abroad
  • Pinoy living abroad – Yung matagal nang naninirahan sa ibang bansa
  • OFWs in distress – Mga kababayan nating may pinagdadaanan, nawalan ng trabaho, o nasa emergency situation sa abroad
OFW Tip: Kabayan, wag balewalain! Maliit lang ang hulog, pero malaki ang ginhawa sa oras ng emergency. PhilHealth is a small contribution na nagbibigay ng big peace of mind para sa ’yo at sa pamilya mo.
Mas okay nang handa kaysa magsisi — ‘di ba?

It’s simple! Your monthly contribution depends on your declared income:

Minimum Contribution:

• Monthly Salary Credit: ₱8,000 → Monthly Payment: ₱1,200 (15%)

• Ideal for new OFWs or those with limited budget

Maximum Contribution:

• Monthly Salary Credit: ₱35,000 → Monthly Payment: ₱5,250 (15%)

• Higher contributions mean bigger future benefits

Why Higher Contributions Matter:
  • Larger retirement pension payments
  • Higher disability and death benefits
  • Better sickness and maternity benefits
  • Increased funeral grant coverage
OFW Tip: As a voluntary member, you pay the full amount yourself—no employer share. But remember, the more you contribute, the better your pension and benefits later on!

Sa 2025, required na ang 2% ng sahod mo para sa Pag-IBIG contribution — ayon sa HDMF Circular No. 391.

Pag-IBIG Contribution Guide para sa mga OFW
  • If your salary is below ₱1,500 , You can voluntarily pay ₱100/month to start saving with Pag-IBIG.
  • If your salary is above ₱1,500 , You are required to pay 2% of your monthly salary to Pag-IBIG.
  • Salary ceiling raised! Pag-IBIG's maximum salary base increased from ₱5,000 to ₱10,000, so the maximum required payment is now ₱200/month.

Kung medyo maliit ang sweldo mo (₱5,000/month)...

• Hulog mo sa Pag-IBIG: ₱100/month lang (₱5,000 × 2%)

• Gusto mong dagdagan? Pwede mong i-voluntary add ang employer share: +₱100

• Total hulog: ₱200/month kung may employer match

• Sa loob ng 1 taon: ₱1,200 (kung ikaw lang) o ₱2,400 (kung may match)

Kung malaki ang kita mo (₱30,000/month)...

• Pag-IBIG will only compute up to ₱10,000

• Hulog mo: ₱200/month (maximum na)

• Pwede mong i-add ang employer part: +₱200

• Total hulog: ₱400/month kung gusto mong i-maximize ang benefits

Bakit sulit ang Pag-IBIG para sa mga OFW?

May dagdag na kita kada taon！ Kahit nasa abroad ka, tuloy-tuloy ang kita ng savings mo — walang buwis, walang bawas.
Kung tuloy-tuloy ang hulog mo sa Pag-IBIG, mas malaki ang chance mong ma-approve sa housing loan — para sa bahay na pangarap mo para sa pamilya, mas abot-kamay na!
Secured ang kinabukasan niny, Hindi lang ito para sa ngayon — ito ay retirement fund at emergency savings mo rin.
Kahit nasa abroad ka, pwede ka pa ring maghulog, mag-check ng records, at mag-apply ng loan gamit ang Virtual Pag-IBIG — 24/7 accessible para sa mga OFW na nangangarap ng sariling bahay!
OFW Tip: Regular Pag-IBIG contributions not only boost your chances for loan approval and OEC processing, but also earn you annual dividends and tax perks in the Philippines — so keep paying and keep your records complete!
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