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Hospital bill estimator.
Type the hospital charges, the doctors' fees, the PhilHealth benefit and the HMO approval. Get the patient's share and how each deduction was applied.
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Hospital bill estimator with PhilHealth
Patient's share
₱85,000.00
On a ₱100,000.00 hospital bill (₱80,000 hospital charges and ₱20,000 professional fees), a ₱15,000.00 PhilHealth benefit leaves the patient to pay ₱85,000.00.
| Hospital charges | ₱80,000.00 |
|---|---|
| Professional fees | ₱20,000.00 |
| Total bill | ₱100,000.00 |
| Less PhilHealth | ₱15,000.00 |
| Less HMO | ₱0.00 |
| Patient's share | ₱85,000.00 |
How it was worked out
- Total bill. ₱80,000.00 hospital charges + ₱20,000.00 professional fees = ₱100,000.00.
- PhilHealth. The PhilHealth benefit for the condition comes off first: ₱100,000.00 − ₱15,000.00 = ₱85,000.00. Every Filipino is a PhilHealth member under the Universal Health Care Act. (Republic Act No. 11223, Universal Health Care Act)
- Discount. No senior citizen or PWD discount was applied.
- HMO and the patient's share. ₱85,000.00 − ₱0.00 HMO = ₱85,000.00 for the patient.
- Check the PhilHealth benefit for the condition with the hospital's PhilHealth desk or PhilHealth's case rate list. It depends on the diagnosis or procedure, the hospital level and the admission date.
- Under the No Balance Billing policy, eligible members admitted to ward accommodation in government hospitals pay nothing beyond PhilHealth. Ask the hospital if it applies.
- Hospitals differ on the order of deductions and on whether the HMO pays before the senior or PWD discount. The statement of account is the final word.
- Take-home medicines, room upgrades and items the HMO excludes are left out.
Rates and rules as of November 8, 2026. A guide, not legal or tax advice.
Rate changes
Know the day the rates change.
Questions
Asked and answered.
How much does PhilHealth deduct from a hospital bill?
A fixed amount per condition or procedure, called the case rate or benefit package, not a percentage of the bill. The hospital deducts it directly from the statement of account.
Is the senior citizen discount applied before or after PhilHealth?
Most hospitals deduct the PhilHealth benefit first and take the 20% senior citizen or PWD discount on the remaining balance. Ask the billing office how yours computes it.
Do doctors' professional fees get the senior citizen discount?
Yes. RA 9994 extends the 20% discount to the professional fees of attending doctors in private hospitals and clinics.
What is No Balance Billing?
A PhilHealth policy under which eligible members, such as indigent and sponsored members admitted to ward accommodation in government hospitals, pay nothing beyond the PhilHealth benefit.
From Lifeline
This is one figure Lifeline works out for you.
Lifeline is Tekhx's ready-made hospital system for Philippine businesses. It does this, and everything around it, for every record, every day.