Philhealth Member Recognition Program (Pmrp)

Senate Offer of the sectary TWENTIETH CONGRESS OF THE ) REPUBLIC OF THE PHILIPPINES First Regular Session 25 AUG -4 P1:29 SENATE RECEIVED BY S. No._ Introduced by Senator Loren Legarda AN ACT FURTHER AMENDING REPUBLIC ACT NO. 7875, OTHERWISE KNOWN AS THE "NATIONAL HEALTH INSURANCE ACT OF 1995", AS AMENDED, TO INSTITUTIONALIZE THE PHILHEALTH MEMBER RECOGNITION PROGRAM (PMRP) EXPLANATORY NOTE The government's promise of Zero Balance Billing (ZBB) represents a meaningful step toward improving access to affordable healthcare. It aims to ensure that eligible patients, particularly those admitted to public hospitals, will no longer incur out-of-pocket expenses for essential services. This policy direction aligns with the objectives of the Universal Health Care (UHC) Act and reflects a broader commitment to health equity. However, for many PhilHealth members, ZBB remains largely aspirational. While pilot implementations have begun in select government facilities, the policy has yet to deliver consistent results across the healthcare system. Many contributors, especially those seeking treatment in private hospitals or for conditions not fully covered by existing benefit packages, continue to face substantial personal expenses. In these cases, the gap between expectation and reality persists. This reality is familiar to millions of Filipinos who make mandatory contributions to PhilHealth as part of their employment or livelihood obligations. Formal workers, small business owners, and self-employed individuals contribute with the belief that the system will support them when medical needs arise. Yet many find themselves

absorbing most of the cost of care, leading to frustration and the recurring question: What have my years of contributions amounted to? At its foundation, the National Health Insurance Program (NHIP) is a shared commitment to distribute the burden of healthcare costs fairly. But for such a system to endure, it must recognize and retain the trust of its contributors. PhilHealth must evolve beyond minimum guarantees by introducing reforms that affirm the value of long-term participation and encourage continued engagement. This bill proposes the creation of the PhilHealth Member Recognition Program (PMRP). Consistent with Article I, Section 2(g) of Republic Act No. 7875, which identifies innovation as a guiding principle of the NHIP, the PMRP introduces a points- based rewards system for long-term and consistent contributors. Earned points may be used to access enhanced health services, reduce out-of-pocket expenses, and support preventive care. Members will also have the option to transfer points to their family, allowing benefits to be shared where they are most needed. The PMRP complements ongoing reforms such as ZBB. It addresses a different but equally important concern: the need to reward long-term payors and strengthen the perceived value of participation in PhilHealth. For many who fall outside the reach of full subsidy or ZBB coverage, the PMRP provides a mechanism to improve satisfaction, extend health protection, and reinforce their role in sustaining the system. This measure promotes fairness, strengthens member trust, and encourages the long- term viability of the NHIP. In view of the foregoing, the urgent passage of this bill is earnestly sought. LOREN LEGARDA

Sellale Office of the Surtary TWENTIETH CONGRESS OF THE ) REPUBLIC OF THE PHILIPPINES ) AUG -4 P1:29 First Regular Session RECEIVED AY SENATE S. No._ Introduced by Senator Loren Legarda AN ACT FURTHER AMENDING REPUBLIC ACT NO. 7875, OTHERWISE KNOWN AS THE "NATIONAL HEALTH INSURANCE ACT OF 1995", AS AMENDED, TO INSTITUTIONALIZE THE PHILHEALTH MEMBER RECOGNITION PROGRAM (PMRP) Be it enacted by the Senate and the House of Representatives of the Philippines in Congress assembled:

Section 1. Section 2 of Republic Act No. 7875, as amended, is hereby further

2 amended to read as follows:

SEC. 2 Declaration of Principles and Policies. - It is hereby

declared the policy of the State to adopt an integrated and comprehensive approach to health development which shall endeavor to make essential goods, health, and other social services available to all the people at affordable cost and to provide free medical care to paupers. Towards this end, the State shall provide comprehensive health care services to all Filipinos through a socialized health insurance program that will prioritize the health care needs of the underprivileged, sick, elderly, persons with disabilities (PWDs), women, and children, and provide free health care services to indigents. THE STATE ALSO RECOGNIZES THE SUSTAINED CONTRIBUTIONS OF ITS MEMBERS AS ESSENTIAL TO THE STABILITY OF THE HEALTH 16 INSURANCE PROGRAM AND SHALL ENSURE EQUITABLE RECOGNITION

1 AND ADDITIONAL BENEFITS TO LONG-TERM CONTRIBUTORS, FOSTERING 2 TRUST, LOYALTY, AND GREATER PARTICIPATION. Pursuant to this policy, the State shall adopt the following principles: XXX XXX XXX S) EQUITABLE RECOGNITION OF SUSTAINED CONTRIBUTIONS - THE PROGRAM SHALL RECOGNIZE AND REWARD THE SUSTAINED CONTRIBUTIONS OF LONG-TERM MEMBERS BY PROVIDING ADDITIONAL BENEFITS THAT ENHANCE EQUITY AND FOSTER TRUST, LOYALTY, AND ENGAGEMENT AMONG CONTRIBUTORS. THE PROGRAM SHALL GIVE DUE EMPHASIS TO THE VALUE OF CONSISTENT PARTICIPATION AND ENSURE THAT MEMBERS PERCEIVE TANGIBLE RETURNS FOR THEIR SUPPORT.

Sec. 2. Section 4 of Republic Act No. 7875, as amended, is hereby amended to

read as follows:

SECTION 4. Definitions of Terms. - For the purpose of this Act,

the following terms shall be defined as follows: (a) Abandoned Children - Children who have no known family willing and capable to take care of them and are under the care of the Department of Social Welfare and Development (DSWD), orphanages, churches, and other institutions. (b) Beneficiary - Any person entitled to health care benefits under this Act. (c) Benefit Package - Services that the Program offers to its members. (d) Capitation - A payment mechanism where a fixed rate, whether per person, family, household, or group, is negotiated with a health care provider who shall be responsible for delivering or arranging for the delivery of health services required by the covered person under the

conditions of a healthcare provider contract. (e) Case-based Payment - Hospital payment method that reimburses hospitals a predetermined fixed rate for each treated case or disease; also called per-case payment. (f) CONTRIBUTION - The amount paid by or in behalf of a member to the Program for coverage, based on salaries or wages in the case of formal sector employees, and on household earnings and assets, in the case of the self- employed, or on other criteria as may be defined by the Corporation in accordance with the guiding principles set forth in Article I of this Act. CONTRIBUTIONS SHALL RECOGNIZE SUSTAINED AND LONG-TERM PAYMENTS, WHICH MAY QUALIFY MEMBERS FOR ADDITIONAL BENEFITS AND REWARDS UNDER PROGRAMS ESTABLISHED BY THE CORPORATION. (g) COVERAGE - The entitlement of an individual, as a member or as a dependent, to the benefits of the Program. COVERAGE SHALL INCLUDE ACCESS TO ADDITIONAL BENEFITS AND SERVICES PROVIDED UNDER SPECIAL RECOGNITION PROGRAMS FOR LONG-TERM AND SUSTAINED CONTRIBUTORS, AS DETERMINED BY THE CORPORATION. (h) Dependent - The legal dependents of a member are: 1. the legitimate spouse who is not a member; 2. the unmarried and unemployed legitimate, legitimated, illegitimate, acknowledged children as appearing in the birth certificate; legally adopted or stepchildren below twenty-one (21) years of age; 3. children who are twenty-one (21) years old or above but suffering from congenital disability, either physical or mental, or any disability

acquired that renders them totally dependent on the member for support; 4. the parents who are sixty (60) years old or above whose monthly income is below an amount to be determined by the Corporation in accordance with the guiding principles set forth in Article I of this Act; and 5. parents with permanent disability that render them totally dependent on the member for subsistence; (i) Diagnostic Procedure - Any procedure to identify a disease or condition through analysis and examination. G) DIGITAL INTEGRATION PLATFORM - A WEB- BASED AND MOBILE PLATFORM DEVELOPED FOR THE PMRP PARTICIPANTS TO TRACK POINTS, REDEEM BENEFITS, NOMINATE BENEFICIARIES, AND ACCESS PROGRAM UPDATES. (k) Emergency - An unforeseen combination of circumstances which calls for immediate action to preserve the life of a person or to preserve the sight of one or both eyes; the hearing of one or both ears; or one or two limbs at or above the ankle or wrist. (l) Employee - Any person who performs services for an employer in which either or both mental and physical efforts are used and who receives compensation for such services, where there is an employer-employee relationship. (m) Employer - A natural or juridical person who employs the services of an employee. (n) Enrollment - The process to be determined by the Corporation in order to enlist individuals as members or dependents covered by the Program.

(0) Fee-for-Service - A fee pre-determined by the Corporation for each service delivered by a health care provider based on the bill. The payment system shall be based on a pre-negotiated schedule promulgated by the Corporation. (p) Global Budget - An approach to the purchase of medical services by which health care provider negotiations concerning the costs of providing a specific package of medical benefits is based solely on a predetermined and fixed budget. (q) Health Care Provider - Refers to: 1. a heaith care institution, which is duly licensed and accredited devoted primarily to the maintenance and operation of facilities for health promotion, prevention, diagnosis, treatment, and care of individuals suffering from illness, disease, injury, disability or deformity, or in need of obstetrical or other medical and nursing care. It shall also be construed as any institution, building, or place where there are installed beds, cribs, or bassinets for twenty-four hour use or longer by patients in the treatment of diseases, injuries, deformities, or abnormal physical and mental states, maternity cases or sanitarial care; or infirmaries, nurseries, dispensaries, and such other similar names by which they may be designated; or 2. a health care professional, who is any doctor of medicine, nurse, midwife, dentist, or other health care professional or practitioner duly licensed to practice in the Philippines and accredited by the Corporation; or 3. a health maintenance organization, which is an

entity that provides, offers, or arranges for coverage of designated health services needed by plan members for a fixed prepaid premium; or 4. a community-based health care organization, which is an association of indigenous members of the community organized for the purpose of improving the health status of that community through preventive, promotive and curative heaith services. (r) Health Insurance Identification (ID) Card - The document issued by the Corporation to members and dependents upon their enrollment to serve as the instrument for proper identification, eligibility verification, and utilization recording. (s) Health Technology Assessment - A field of science that investigates the value of a health technology such as procedure, process, products, or devices, specifically on their quality, relative cost-effectiveness, and safety. It usually involves the science of epidemiology and economics. (t) Indigent - A person who has no visible means of income, or whose income is insufficient for the subsistence of their family, as identified by the Department of Social Welfare and Development (DSWD) based on specific criteria set for this purpose in accordance with the guiding principles set forth in Article I of this Act. (u) Informal Sector - Units engaged in the production of goods and services with the primary objective of generating employment and income for the persons concerned. It consists of households, unincorporated enterprises that are market and nonmarket producers of goods, as well as market producers of services. These enterprises are operated by own-account workers, which

may employ unpaid family workers as well as occasional, seasonally hired workers. To this sector belong, among others, street hawkers, market vendors, pedicab and tricycle drivers, small construction workers, and home- based industries and services. (v) Inpatient Education Package - A set of informational services made available to an individual who is confined in a hospital to afford them knowledge about their illness and its treatment, and of the means available, particularly lifestyle changes, to prevent the recurrence or aggravation of such illness and to promote their health in general. (w) Lifetime Member - A former member who has reached the age of retirement under the law and has paid at least one hundred twenty (120) monthly premium contributions. (X) LOYALTY TIERS - A CLASSIFICATION SYSTEM WITHIN THE PMRP THAT CATEGORIZES MEMBERS BASED ON THE DURATION AND CONSISTENCY OF THEIR CONTRIBUTIONS TO THE PROGRAM. (y) Member - Any person whose premiums have been regularly paid to the National Health Insurance Program who may be a paying member, a sponsored member, or a lifetime member. (z) Members in the Formal Economy - Workers with formal contracts and fixed terms of employment, including workers in the government and private sector, whose premium contribution payments are equally shared by the employee and the employer. (aa) Members in the Informal Economy - Workers who are not covered by formal contracts or agreements and whose premium contributions are self-paid or subsidized by

another individual through a defined criterion set by the Corporation. (bb) Migrant Workers - Documented or undocumented Filipinos who are engaged in a remunerated activity in another country of which they are not citizens. (Cc) NOMINEE - REFERS TO THE IMMEDIATE NEXT OF KIN OF A PMRP MEMBER, LIMITED TO THE MEMBER'S SPOUSE, BIOLOGICAL OR LEGALLY ADOPTED CHILDREN OR LIVING PARENT(S), WHO MAY BE DESIGNATED TO RECEIVE UNREDEEMED PMRP BENEFITS IN THE EVENT OF THE MEMBER'S DEATH, SUBJECT TO APPLICABLE GUIDELINES. (dd) Other Self-earning Individuals - Individuals who render services or sell goods as a means of livelihood outside of an employer-employee relationship, or as a career, but do not belong to the informal sector. These include businessmen, entrepreneurs, actors, actresses, and other performers, news correspondents, professional athletes, coaches, trainers, and other individuals as recognized by the Department of Labor and Employment (DOLE) and/or the Bureau of Internal Revenue (BIR). (ee) Out-patient Services - Health services such as diagnostic consultation, examination, treatment, surgery, and rehabilitation on an outpatient basis. (ff) PHILHEALTH MEMBER RECOGNITION PROGRAM (PMRP) - A COMPLEMENTARY PROGRAM ESTABLISHED TO RECOGNIZE AND REWARD LONG-TERM MEMBERS FOR THEIR CONSISTENT CONTRIBUTIONS TO THE NATIONAL HEALTH INSURANCE PROGRAM. (gg) POINTS ACCUMULATION SYSTEM - A MECHANISM UNDER THE PMRP WHERE MEMBERS EARN

POINTS BASED ON THEIR PREMIUM CONTRIBUTIONS, LONGEVITY OF MEMBERSHIP, AND LOYALTY TIERS. (hh) Portability - The enablement of a member to avail of Program benefits in an area outside the jurisdiction of their Local Health Insurance Office. 1) Professional Practitioners - Include doctors, lawyers, certified public accountants, and other practitioners required to pass government licensure examinations in order to practice their professions. (ij) Quality Assurance - A formal set of activities to review and ensure the quality of services provided. Quality assurance includes quality assessment and corrective actions to remedy any deficiencies identified in the quality of direct patient, administrative, and support services. (kk) Retiree - A member of the Program who has reached the age of retirement as provided for by law or who was retired on account of permanent disability as certified by the employer and the Corporation. (lI) Sponsored Member - A member whose contribution is being paid by another individual, government agency, or private entity according to the rules as may be prescribed by the Corporation. (mm) Traditional and Alternative Health Care - The application of traditional knowledge, skills, and practice of alternative health care or healing methods which include reflexology, acupuncture, massage, acupressure, chiropractics, nutritional therapy, and other similar methods in accordance with the accreditation guidelines set forth by the Corporation and the Food and Drug Administration (FDA). (nn) TRANSFERABLE POINTS - POINTS ACCUMULATED

UNDER THE PMRP THAT MAY BE TRANSFERRED TO NOMINATED FAMILY MEMBERS OF THE MEMBER. (00) Treatment Procedure - Any method used to remove the symptoms and cause of a disease. (pp) Utilization Review - A formal review of patient utilization or of the appropriateness of health care services, on a prospective, concurrent, or retrospective basis.

Sec. 3. Section 5 of Republic Act No. 7875, as amended, is hereby amended to

read as follows:

Section 5. Establishment and Purposes. - There is hereby

created the National Health Insurance Program which shall provide health insurance coverage and ensure affordable, acceptable, available and accessible health care services for all citizens of the Philippines, in accordance with the policies and specific provisions of this Act. This social insurance program shall serve as the means for the healthy to help pay for the care of the sick and for those who can afford medical care to subsidize those who cannot. It shall initially consist of programs I and II or Medicare and be expanded progressively to constitute one universal health insurance program for the entire population. The Program shall include a sustainable system of funds constitution, collection, management and disbursement for financing the availment of a basic minimum package and other additional packages of health insurance benefits by a progressively expanding proportion of the population. FURTHER, THE PROGRAM SHALL ALSO INCLUDE A RECOGNITION AND INCENTIVIZATION FRAMEWORK TO REWARD LONG-TERM AND SUSTAINED CONTRIBUTORS THROUGH ADDITIONAL BENEFITS, LOYALTY PROGRAMS, AND TRANSFERABLE BENEFITS. The Program shall be limited to paying for the utilization of health services by covered beneficiaries or to purchasing health services in behalf

of such beneficiaries. It shall be prohibited from providing health care directly, from buying and dispensing drugs and pharmaceuticals, from employing physicians and other professionals for the purpose of directly rendering care, and from owning or investing in health care facilities.

Sec. 4. Section 7 of Republic Act No. 7875, as amended, is hereby amended to

read as follows:

Sec. 7. Enrollment. - The Corporation shall enroll beneficiaries

to avail of benefits under this Act with the assistance of the financial arrangements provided by the Corporation under the following categories: (a) Members in the formal economy; (b) Members in the informal economy; (c) Indigents; (d) Sponsored members; and (e) Lifetime members. The process of enrollment shall include the identification of beneficiaries, issuance of appropriate documentation specifying eligibility to benefits INCLUDING THOSE UNDER SPECIAL PROGRAMS SUCH AS THE PMRP and indicating how membership was obtained or is being maintained.

Sec. 5. Section 11 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec 11. Excluded Personal Health Services. — The Corporation

shall not cover expenses for health services which the Corporation and the DOH consider cost-ineffective through health technology assessment. The Corporation may institute additional exclusions and limitations as it deems reasonable to maintain protection objectives and financial sustainability. SPECIFIC GUIDELINES FOR REDEEMABLE EXCLUDED SERVICES UNDER PMRP SHALL BE ISSUED BY THE CORPORATION IN

CONSULTATION WITH THE DOH

Sec. 6. Section 16 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 16. Powers and Functions. - The Corporation shall have

the following powers and functions XXX XXX XXX (bb) TO ESTABLISH, MANAGE, AND OVERSEE THE PMRP, INCLUDING FORMULATING POLICIES, RULES, AND GUIDELINES FOR ITS OPERATION, ELIGIBILITY CRITERIA, BENEFIT STRUCTURES, AND ADDITIONAL BENEFITS, ENSURING ALIGNMENT WITH PRINCIPLES OF CONTRIBUTION RECOGNITION, HEALTHCARE FINANCIAL QUALITY IMPROVEMENT, AND SUSTAINABILITY. (Cc) TO INTEGRATE THE PMRP INTO THE CORPORATION'S INFORMATION SYSTEMS FOR EFFICIENT TRACKING OF MEMBER CONTRIBUTIONS, POINTS, AND BENEFITS REDEMPTION; CONDUCT REGULAR MONITORING AND EVALUATION TO ENSURE ITS SUSTAINABILITY AND ALIGNMENT WITH THE CORPORATION'S OBJECTIVES AND MEMBER NEEDS. (dd) TO CONDUCT TARGETED INFORMATION CAMPAIGNS ABOUT THE PMRP, INCLUDING ITS BENEFITS AND MECHANISMS, AND COLLABORATE WITH GOVERNMENT AGENCIES, LOCAL UNITS, AND STAKEHOLDERS FOR ITS EFFECTIVE IMPLEMENTATION.

Sec. 7. Section 20 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 20. Health Finance Policy Research. - Among the staff

departments that will be established by the Corporation shall be the Health Finance Policy Research Department, which shall have the following duties and functions:

XXX XXX XXX c) Review, evaluation, and assessment of the Program's impact on the access to as well as the quality and cost of health care in the country, INCLUDING THE ADDITIONAL BENEFITS AND MECHANISMS INTRODUCED UNDER THE PMRP TO FINANCIAL ENSURE EQUITY, SUSTAINABILITY, AND ALIGNMENT WITH PROGRAM OBJECTIVES.

Sec. 8. Section 24 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 20. Creation of the National Health Insurance Fund. —

There is hereby created a National Health Insurance Fund, hereinafter referred to as the Fund, that shall consist of: (a) Contribution from Program members; (b) Other appropriations earmarked by the national and local governments purposely for the implementation of the Program; (c) Subsequent appropriations provided for under Sections 46 and 47 of this Act; (d) Donations and grants-in-aid; (e) All accruals thereof; and (f) Funds earmarked for the PMRP DESIGNATED FOR THE ENHANCEMENT OF PMRP BENEFITS as may be determined by the Corporation.

Sec. 9. Section 25 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 25. Components of the National Health Insurance Fund. -

The National Health Insurance Fund shall have the following components: XXX XXX XXX (c) PMRP BENEFIT SUB-FUND - A DEDICATED SUB- FUND WITHIN THE NATIONAL HEALTH INSURANCE

FUND SHALL BE CREATED TO SUPPORT THE ADDITIONAL AND SUPPLEMENTARY BENEFITS OF ELIGIBLE LONG-TERM CONTRIBUTORS UNDER THE PHILHEALTH MEMBER RECOGNITION PROGRAM (PMRP). THIS SUB-FUND SHALL BE FINANCED THROUGH A PORTION OF REGULAR CONTRIBUTIONS FROM ELIGIBLE PMRP MEMBERS, GRANTS, DONATIONS, GOVERNMENT ALLOCATIONS, RESERVE SURPLUSES, AND OTHER DESIGNATED SOURCES, AS MAY BE DETERMINED BY THE CORPORATION. THE PMRP BENEFIT SUB-FUND SHALL BE USED EXCLUSIVELY FOR ADDITIONAL BENEFITS AND REWARDS ACCRUED THROUGH THE PMRP, INCLUDING SUPPLEMENTARY NON-MEDICAL HEALTH-RELATED BENEFITS, SUBJECT TO BOARD APPROVAL AND THE PRINCIPLES OF FISCAL SUSTAINABILITY AND EQUITY.

Sec. 10. Section 27 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 27. Reserve Fund. - The Corporation shall set aside a

portion of its accumulated revenues not needed to meet the cost of the current year's expenditures as reserve funds: Provided, That the total amount of reserves shall not exceed a ceiling equivalent to the amount actuarially estimated for two (2) years' projected Program expenditures: Provided, further, That whenever actual reserves exceed the required ceiling at the end of the Corporation's fiscal year, the excess of the Corporation's reserve fund shall be used to increase the Program's benefits, decrease the member's contributions, and augment the health facilities enhancement program of the DOH, OR SUPPORT THE PMRP BENEFIT SUB-FUND, IN ACCORDANCE WITH SECTIONS 25 AND 43 OF THIS ACT, SUBJECT TO

ACTUARIAL EVALUATION AND BOARD APPROVAL, IN ACCORDANCE WITH SECTIONS 25 AND 43 OF THIS ACT. The remaining portion of the reserve fund that is not needed to meet the current expenditure obligations or used for the abovementioned programs shall be placed in investments to earn an average annual income at prevailing rates of interest and shall be known as the 'Investment Reserve Fund' which shall be invested in any or all of the following: (a) In interest-bearing bonds, securities or other evidences of indebtedness of the Government of the Philippines, or in bonds, securities, promissory notes, and other evidences of indebtedness to which full faith and credit and unconditional guarantee of the Republic of the Philippines is pledged; (b) In debt securities and corporate bond issuances: Provided, That such securities and bonds are rated triple 'A' by authorized accredited domestic rating agencies: Provided, further, That the issuing or assuming entity or its predecessor shall not have defaulted in the payment of interest on any of its securities and that during each of any three (3), including the last two (2), of the five (5) fiscal years next preceding the date of acquisition by the Corporation of such bonds, securities, or other evidences of indebtedness, the net earnings of the issuing or assuming institution available for its recurring expenses, such as amortization of debt discount and rentals for leased properties, including interest on funded and unfunded debt, shall have been not less than one and one quarter (1 1/4) times the total of the recurring expenses for such year: Provided, further, That such investment shall not exceed fifteen percent (15%) of the investment reserve fund;

(c) In interest-bearing deposits and loans to or securities in any domestic bank doing business in the Philippines: Provided, That in the case of such deposits, this shall not exceed at any time the unimpaired capital and surplus or total private deposits of the depository bank, whichever is smaller: Provided, further, That said bank shall first have been designated as a depository for this purpose by the Monetary Board of the Bangko Sentral ng Pilipinas; (d) In preferred stocks of any solvent corporation or institution created or existing under the laws of the Philippines: Provided, That the issuing, assuming, or guaranteeing entity or its predecessor has paid regular dividends upon its preferred or guaranteed stocks for a period of at least three (3) years immediately preceding the date of investment in such preferred or guaranteed stocks: Provided, further, That if the stocks are guaranteed, the amount of stocks so guaranteed is not in excess of fifty percent (50%) of the amount of the preferred common stocks, as the case may be, of the issuing corporation: Provided, furthermore, That if the corporation or institution has not paid dividends upon its preferred stocks, the corporation or institution has sufficient retained earnings to declare dividends for at least two (2) years on such preferred stocks and in common stocks of any solvent corporation or institution created or existing under the laws of the Philippines in the stock exchange with a proven track record of profitability and payment of dividends over the last three (3) years; and; (e) In bonds, securities, promissory notes, or other evidences of indebtedness of accredited and financially sound medical institutions exclusively to finance the

construction, improvement, and maintenance of hospitals and other medical facilities: Provided, That such securities and instruments are backed up by the guarantee of the Republic of the Philippines or the issuing medical institution and the issued securities and bonds are both rated triple 'A' by authorized accredited domestic rating agencies: Provided, further, That said investments shall not exceed ten percent (10%) of the total investment reserve fund. As part of its investments operations, the Corporation may hire institutions with valid trust licenses as its external local fund managers to manage the investment reserve fund, as it may deem appropriate, through public bidding. The fund managers shall submit annual reports on investment performance to the Corporation. The Corporation shall set up the following funds: (1) A fund to secure benefit payouts to members prior to their becoming lifetime members; (2) A fund to secure payouts to lifetime members; and (3) A fund for any optional supplemental benefits that are subject to additional contributions. AND (4) A FUND TO SUPPORT THE PMRP, INCLUDING LOYALTY-BASED BENEFITS AND ADDITIONAL COVERAGE FOR LONG- TERM CONTRIBUTORS, SUBJECT TO ACTUARIAL ANALYSIS AND APPROVED CRITERIA TO ENSURE FINANCIAL SUSTAINABILITY. A portion of each of the above funds shall be identified as current and kept in liquid instruments. In no case shall said portion be considered part of invested assets. Another portion of the said funds shall be allocated for lifetime members within six (6) months after the effectivity of this Act. Said amount shall be determined by an actuary or pre-calculated based on the most recent valuation of liabilities.

The Corporation shall allocate a portion of all contributions to the fund for lifetime members based on an allocation to be determined by the PHIC actuary based on a pre-determined percentage using the current average age of members and the current life expectancy and morbidity curve of Filipinos. The Corporation shall manage the supplemental benefits and the lifetime members' fund in an actuarially sound manner. The Corporation shall manage the supplemental benefits fund to the minimum required to ensure that the supplemental benefit payments are secure.

Sec. 11. Section 34 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 34 Provider Payment Mechanisms. - The following

mechanisms for public and private providers shall be allowed in the Program: (a) Fee-for-service payments - payments made by the Corporation for professional fees or hospital charges, or both, based on arrangements with health care providers. This fee shall be based on a schedule to be established by the Board which shall be reviewed periodically but not less than every three (3) years; (b) Capitation of health care professionals and facilities, or networks of the same including HMOs, medical cooperatives, and other legally formed health service groups; (c) Case-based payment; (d) Global budget; and (e) Such other provider payment mechanisms that may be determined and adopted by the Corporation. PAYMENT MECHANISMS SHALL ALSO ACCOUNT FOR THE DELIVERY OF ADDITIONAL BENEFITS UNDER THE PMRP, INCLUDING REIMBURSEMENTS OR INCENTIVES

FOR SERVICES RENDERED TO PMRP PARTICIPANTS, SUBJECT TO GUIDELINES SET BY THE BOARD. Subject to the approval of the Board, the Corporation may adopt other payment mechanism that are most beneficial to the members and the Corporation. Each PhilHealth local office shall recommend the appropriate payment mechanism within its jurisdiction for approval by the Corporation. Special consideration shall be given to payment for services rendered by public and private health care providers serving remote or medically underserved areas. SPECIAL CONSIDERATION SHALL ALSO BE GIVEN TO PAYMENT FOR ADDITIONAL SERVICES OFFERED UNDER THE PMRP IN REMOTE OR MEDICALLY UNDERSERVED AREAS.

Sec. 12. Section 35 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 35. Reimbursement and Period to File Claims. — All claims

for reimbursement or payment for services rendered shall be filed within a period of sixty (60) calendar days from the date of discharge of the patient from the health care provider. The period to file the claim may be extended for such reasonable causes determined by the Corporation. TO ADDRESS DELAYS IN PAYMENT AND ENSURE THE SUSTAINABILITY OF MEDICAL SERVICES, THE CORPORATION SHALL PROCESS AND RELEASE VALID CLAIMS, INCLUDING THOSE FILED UNDER THE PMRP, WITHIN A MAXIMUM PERIOD OF SIXTY (60) WORKING DAYS FROM THE RECEIPT OF COMPLETE CLAIM DOCUMENTS. FAILURE TO MEET THIS TIMELINE WITHOUT JUSTIFIABLE REASONS SHALL INCUR INTEREST PAYMENTS TO THE AFFECTED HEALTH CARE PROVIDERS, AS DETERMINED BY THE BOARD. THE

CORPORATION SHALL IMPLEMENT A DIGITALIZED SYSTEM TO MONITOR, TRACK, AND EXPEDITE THE RESOLUTION OF PAYMENT DELAYS EFFICIENTLY.

Sec. 13. A new ARTICLE IX shall be established covering Sections 39 to Section

48 are as follows: ARTICLE IX: PHILHEALTH MEMBER RECOGNITION PROGRAM

Sec. 39. ESTABLISHMENT OF THE PMRP. - THE PMRP IS

HEREBY ESTABLISHED TO ACKNOWLEDGE AND REWARD LONG-TERM AND CONSISTENT CONTRIBUTORS TO THE NHIP. THE PROGRAM SHALL OPERATE AS AN ADDITIONAL AND COMPLEMENTARY COMPONENT TO THE NHIP, PROVIDING PAYMENT FOR CO-CONTRIBUTIONS, INCENTIVES AND ADDITIONAL BENEFITS TO FOSTER EQUITY, LOYALTY, AND MEMBER ENGAGEMENT. (a) Sec. 40. OBJECTIVES. - THE PMRP SHALL HAVE THE FOLLOWING OBJECTIVES: TO RECOGNIZE AND REWARD CONSISTENT AND SUSTAINED CONTRIBUTIONS BY LONG-TERM MEMBERS; (b) TO PROVIDE EQUITABLE AND ADDITIONAL BENEFITS THAT ENHANCE THE VALUE OF PHILHEALTH MEMBERSHIP; (c) TO INCENTIVIZE PREVENTIVE HEALTHCARE AND PROACTIVE MEMBER PARTICIPATION; (d) TO STRENGTHEN PUBLIC TRUST IN THE NHIP AND ENCOURAGE MEMBER RETENTION; AND (e) TO ENSURE FINANCIAL SUSTAINABILITY AND ALIGNMENT WITH THE PRINCIPLES OF EQUITY AND UNIVERSALITY.

Sec. 41. CORE FEATURES. - THE PMRP SHALL OPERATE

UNDER THE FOLLOWING CORE FEATURES: (a) MEMBERS EARN POINTS BASED ON SUSTAINED PREMIUM CONTRIBUTIONS, WITH ADDITIONAL LOYALTY BONUSES AWARDED FOR REACHING CONTINUOUS MEMBERSHIP MILESTONES SUCH AS EVERY FIVE YEARS OR OTHER PERIODS AS MAY BE IDENTIFIED BY THE CORPORATION. (b) POINTS MAY BE REDEEMED FOR: (1) COVERAGE OF OUT-OF-POCKET EXPENSES NOT INCLUDED IN CASE RATE COVERAGE; (2) ENHANCED MEDICAL ACCOMMODATIONS IN PUBLIC AND PRIVATE FACILITIES BEYOND STANDARD HEALTHCARE PACKAGES; (3) NON-MEDICAL HEALTHCARE-RELATED EXPENSES, INCLUDING CONSUMABLES OR DURABLE EQUIPMENT; (4) PREVENTIVE HEALTHCARE INCENTIVES BEYOND THE STANDARD HEALTHCARE PACKAGE CURRENTLY PROVIDED BY THE CORPORATION.

Sec. 42. ELIGIBILITY. - ELIGIBILITY FOR THE PMRP

SHALL BE DETERMINED BY THE CORPORATION BASED ON THE FOLLOWING CRITERIA: (a) SUSTAINED AND CONSISTENT PAYMENT OF DIRECT CONTRIBUTIONS OVER A DEFINED PERIOD; (b) COMPLIANCE WITH NHIP RULES AND REGULATIONS; AND (c) NO OUTSTANDING PENALTIES OR VIOLATIONS OF NHIP PROVISIONS.

Sec 43. PMRP BENEFIT FUND. - A DEDICATED PMRP

BENEFIT FUND SHALL BE ESTABLISHED TO FINANCE

SUPPLEMENTARY BENEFITS UNDER THE PROGRAM. THIS FUND SHALL BE SOURCED FROM: (A) A PORTION OF REGULAR CONTRIBUTIONS FROM ELIGIBLE LONG-TERM MEMBERS, AS DETERMINED BY THE CORPORATION AND SUPPORTED BY ACTUARIAL ANALYSIS; (B) ALLOCATIONS FROM RESERVE SURPLUSES BEYOND THE STATUTORY CEILING UNDER SECTION 27; (C) GOVERNMENT APPROPRIATIONS, GRANTS, DONATIONS, AND COUNTERPART CONTRIBUTIONS FROM LGUS OR OTHER STAKEHOLDERS; AND (D) EARNINGS FROM INVESTMENTS OF THE PMRP- DESIGNATED ASSETS, WHICH SHALL ACCRUE EXCLUSIVELY TO THE PMRP BENEFIT SUB-FUND. TO ENSURE FINANCIAL SUSTAINABILITY, THE CORPORATION SHALL IMPLEMENT CONTROLS SUCH AS REDEMPTION CAPS, EXPIRY PERIODS, AND TIERED BENEFITS AS MAY DEEMED PROPER BY THE CORPORATION. PERIODIC ACTUARIAL EVALUATIONS SHALL BE CONDUCTED TO ADJUST PROGRAM FEATURES, POINTS ALLOCATION, AND REDEMPTION MECHANISMS BASED ON PERFORMANCE AND ENGAGEMENT. TO PRESERVE FINANCIAL INTEGRITY, THE CORPORATION SHALL ENSURE THAT THE PMRP BENEFIT SUB-FUND IS MANAGED SEPARATELY FROM THE CORE NHIP BENEFIT FUNDS AND SHALL NOT BE USED TO OFFSET REGULAR PHILHEALTH OBLIGATIONS. THE CORPORATION MAY IMPOSE REDEMPTION CAPS, DEFER BENEFIT REDEMPTION, OR ADJUST SUPPLEMENTARY BENEFIT VALUES BASED ON ACTUARIAL RECOMMENDATIONS, SUBJECT TO BOARD

APPROVAL, TO MAINTAIN LONG-TERM FISCAL SUSTAINABILITY. THE CORPORATION SHALL ESTABLISH A MECHANISM FOR THE CONDITIONAL TRANSFER OF UNREDEEMED PMRP POINTS OR BENEFITS TO THE NOMINEE, IN ACCORDANCE WITH THE RULES SET FORTH UNDER THIS ACT. SUCH TRANSFER SHALL BE LIMITED TO THE MEMBER'S DECLARED IMMEDIATE NEXT OF KIN, SPECIFICALLY SPOUSE, CHILDREN OR PARENTS, SUBJECT TO VERIFICATION REQUIREMENTS, APPLICABLE CAPS, AND OTHER SAFEGUARDS TO BE DEFINED IN THE IMPLEMENTING RULES.

Sec 44. PREVENTIVE HEALTHCARE INCENTIVES. - THE

PMRP SHALL PROMOTE PREVENTIVE HEALTHCARE BY AWARDING ADDITIONAL POINTS FOR MEMBERS AVAILING PREVENTIVE SERVICES SUCH AS ANNUAL CHECK-UPS, VACCINATIONS, AND SCREENINGS, WHILE ENCOURAGING HEALTHIER LIFESTYLES TO REDUCE LONG-TERM HEALTHCARE COSTS.

Sec 45. DIGITAL INTEGRATION AND ACCESSIBILITY. -

A DEDICATED DIGITAL PLATFORM, ACCESSIBLE VIA A MOBILE APP AND WEB PORTAL, SHALL BE DEVELOPED TO FACILITATE PMRP OPERATIONS. THE PLATFORM SHALL ENABLE MEMBERS TO: (a) TRACK THEIR CONTRIBUTIONS, POINTS, AND REDEMPTION HISTORY; (b) REDEEM POINTS FOR ELIGIBLE SERVICES; (C) NOMINATE BENEFICIARIES FOR TRANSFERABLE POINTS.

Sec 46. MONITORING AND EVALUATION. - THE

CORPORATION SHALL CONDUCT REGULAR

MONITORING AND EVALUATION OF THE PMRP TO ENSURE: (a) ALIGNMENT WITH THE OBJECTIVES OF THE NHIP; (b) FINANCIAL SUSTAINABILITY AND EQUITY IN BENEFIT DISTRIBUTION; (e) RESPONSIVENESS TO THE NEEDS OF LONG-TERM CONTRIBUTORS; AND (d) TRANSPARENCY AND ACCOUNTABILITY IN PROGRAM OPERATIONS. REPORTS ON THE PERFORMANCE AND IMPACT OF THE PMRP SHALL BE SUBMITTED ANNUALLY TO THE BOARD AND MADE AVAILABLE TO THE PUBLIC. THE CORPORATION SHALL ESTABLISH MECHANISMS TO GATHER AND INCORPORATE FEEDBACK FROM MEMBERS AND STAKEHOLDERS, ENSURING CONTINUOUS IMPROVEMENT AND ALIGNMENT OF THE PROGRAM WITH MEMBER NEEDS AND EXPECTATIONS. THE CORPORATION SHALL INCLUDE THE FINANCIAL STATUS AND UTILIZATION REPORT OF THE PMRP BENEFIT SUB-FUND IN ITS ANNUAL REPORTS TO THE BOARD, THE DEPARTMENT OF FINANCE, AND CONGRESS. THIS REPORT SHALL INCLUDE ITEMIZED FUND INFLOWS, BENEFIT REDEMPTIONS, INVESTMENT EARNINGS, ADMINISTRATIVE COSTS, AND RESULTS OF PERIODIC ACTUARIAL EVALUATIONS. THE CORPORATION SHALL ALSO PUBLISH A SUMMARY OF THESE FINANCIAL REPORTS ON ITS OFFICIAL WEBSITE FOR PUBLIC TRANSPARENCY.

Sec 47. PARTNERSHIPS AND INTEGRATION. - THE

CORPORATION MAY PARTNER WITH ACCREDITED HOSPITALS, CLINICS, PHARMACIES, AND OTHER

HEALTHCARE PROVIDERS TO FACILITATE SEAMLESS REDEMPTION OF PMRP BENEFITS. ADDITIONAL PARTNERSHIPS WITH PRIVATE AND PUBLIC ENTITIES MAY BE PURSUED TO ENHANCE THE PROGRAM'S SCOPE AND SUSTAINABILITY PARTICULARLY IN UNDERSERVED AREAS.

Sec 48. PROGRAM REVIEW AND POTENTIAL EXPANSION

TO INDIRECT CONTRIBUTORS. - FIVE (5) YEARS AFTER THE IMPLEMENTATION OF THE PMRP, THE PHILHEALTH, IN COORDINATION WITH THE DEPARTMENT OF HEALTH (DOH) AND THE DEPARTMENT OF FINANCE (DOF), SHALL CONDUCT A COMPREHENSIVE REVIEW OF THE PROGRAM. THIS REVIEW SHALL INCLUDE AN ACTUARIAL ANALYSIS OF THE PROGRAM'S FINANCIAL SUSTAINABILITY, IMPACT ON THE NHIF, AND BENEFITS DELIVERED TO DIRECT CONTRIBUTORS. BASED ON THE FINDINGS OF THIS REVIEW, PHILHEALTH, IN CONSULTATION WITH THE DOH AND DOF, MAY CONSIDER THE FEASIBILITY OF EXTENDING SIMILAR SUPPLEMENTARY BENEFITS UNDER THE PMRP TO INDIRECT CONTRIBUTORS, SUBJECT TO THE FINANCIAL HEALTH OF THE CORPORATION AND OTHER RELEVANT CONSIDERATIONS. THE FINDINGS AND RECOMMENDATIONS OF THIS REVIEW SHALL BE SUBMITTED TO CONGRESS FOR LEGISLATIVE ACTION, ENSURING THAT ANY EXPANSION ALIGNS WITH THE PRINCIPLES OF EQUITY, INCLUSIVITY, AND SUSTAINABILITY UNDER THE NHIP.

Sec. 49. IMPLEMENTATION GUIDELINES. - THE

CORPORATION SHALL ISSUE THE NECESSARY GUIDELINES FOR THE IMPLEMENTATION OF THE PMRP WITHIN SIX (6) MONTHS FROM THE EFFECTIVITY OF

THIS ACT, WHICH WILL COVER: (a) DETAILED RULES ON POINTS ACCUMULATION, REDEMPTION, AND TRANSFER; (b) SPECIFIC SUPPLEMENTARY BENEFITS AND SERVICES COVERED; INTEGRATING PMRP (c) MECHANISMS FOR OPERATIONS INTO EXISTING NHIP SYSTEMS; (d) COMMUNICATION AND INFORMATION CAMPAIGNS TO EDUCATE MEMBERS ABOUT THE PROGRAM; (e) RULES ON RETROACTIVITY RECOGNITION OF POINTS; AND (t) EQUITABLE MECHANISMS TO ENSURE UNIFORMITY IN THE POINTS SYSTEM ACROSS ALL GEOGRAPHICAL AREAS, WITH STANDARDS THAT PROMOTE FAIRNESS, INCLUSIVITY, AND ACCESSIBILITY FOR ALL MEMBERS. THE FULL IMPLEMENTATION OF THE PROGRAM SHALL BE COMPLETED WITHIN TWELVE MONTHS FROM THE DATE THE GUIDELINES ARE ISSUED. THE CORPORATION, IN CONSULTATION WITH THE DEPARTMENT OF FINANCE AND RELEVANT STAKEHOLDERS, SHALL ISSUE IMPLEMENTING RULES AND REGULATIONS ON THE FINANCIAL MANAGEMENT OF THE PMRP BENEFIT SUB-FUND. THESE SHALL INCLUDE GUIDELINES ON THE EARMARKING OF CONTRIBUTIONS, FUND INVESTMENT STRATEGIES, REDEMPTION ELIGIBILITY, CAPS OR LIMITS BASED ON FUND PERFORMANCE, AND ANNUAL REVIEW MECHANISMS TO ENSURE FISCAL DISCIPLINE AND PROGRAM CONTINUITY. SEC. 50. RETROACTIVE RECOGNITION OF

CONTRIBUTIONS FOR THE PMP. - TO ACKNOWLEDGE THE SUSTAINED CONTRIBUTIONS OF EXISTING PHILHEALTH MEMBERS PRIOR TO THE IMPLEMENTATION OF THE PMRP, THE CORPORATION SHALL APPLY THE FOLLOWING GUIDELINES FOR RETROACTIVE RECOGNITION: 1. ELIGIBILITY FOR RETROACTIVE RECOGNITION: A. ALL DIRECT CONTRIBUTORS WHO ARE ACTIVE MEMBERS AT THE TIME OF THE PROGRAM'S IMPLEMENTATION SHALL BE ELIGIBLE FOR RETROACTIVE RECOGNITION. B. RETROACTIVE RECOGNITION SHALL CONSIDER THE MEMBER'S PAID CONTRIBUTIONS WITHIN THE TEN (10) YEARS PRECEDING THE EFFECTIVITY OF THIS ACT OR THE COMMENCEMENT OF THEIR MEMBERSHIP, WHICHEVER IS SHORTER. 2. POINTS ALLOCATION FOR RETROACTIVE CONTRIBUTIONS: A. MEMBERS SHALL EARN POINTS FOR EACH MONTH OF CONTRIBUTIONS PAID DURING THE RETROACTIVE PERIOD. B. LOYALTY BONUSES FOR CONTINUOUS CONTRIBUTIONS SHALL ALSO RETROACTIVELY, SUBJECT TO THE SAME THRESHOLDS AND MULTIPLIERS ESTABLISHED UNDER THE PMRP RULES. 3. VERIFICATION OF CONTRIBUTIONS: A. PHILHEALTH SHALL CONDUCT A VALIDATION OF CONTRIBUTIONS BASED

ON EXISTING RECORDS. B. MEMBERS WITH INCOMPLETE RECORDS MAY SUBMIT SUPPORTING DOCUMENTS TO VALIDATE THEIR CONTRIBUTIONS, SUBJECT TO GUIDELINES SET BY THE CORPORATION. 4. TIMELINE FOR RETROACTIVE ALLOCATION: A. RETROACTIVE POINTS SHALL BE CREDITED TO ELIGIBLE MEMBERS' ACCOUNTS WITHIN ONE (1) YEAR FROM THE IMPLEMENTATION OF THE PMRP. B. PHILHEALTH SHALL NOTIFY MEMBERS OF THEIR RETROACTIVE POINTS AND BENEFITS THROUGH OFFICIAL COMMUNICATION CHANNELS, INCLUDING DIGITAL PLATFORMS. 5. LIMITATIONS ON RETROACTIVE BENEFITS: A. RETROACTIVE POINTS SHALL ONLY BE REDEEMABLE FOR SUPPLEMENTARY BENEFITS UNDER THE PMRP AND SHALL NOT ENTITLE MEMBERS TO MONETARY REIMBURSEMENT FOR PAST MEDICAL EXPENSES. B. POINTS ACCUMULATED RETROACTIVELY SHALL BE SUBJECT TO THE SAME REDEMPTION CAPS AND GUIDELINES AS THOSE EARNED PROSPECTIVELY.

Sec. 14. - The article on Grievance and Appeal shall now be renumbered as

ARTICLE X, Penalties as ARTICLE XI, Appropriations as ARTICLE XII, and Transitory Provisions as ARTICLE XIII, with the corresponding sections under each article adjusted accordingly.

Sec. 15. Section 40 of Republic Act No. 7875, as amended, is hereby amended

1 to read as follows:

Sec. 40 52. Grounds for Grievances. - The following acts shall

constitute valid grounds for grievance action: XXX XXX XXX (F) ERRORS, DELAYS, OR DISPUTES IN THE CALCULATION, ALLOCATION, OR REDEMPTION OF POINTS AND SUPPLEMENTARY BENEFITS UNDER THE PMRP.

Sec. 16. Section 41 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 41 53. Grievance and Appeal Procedures. - A member, a

dependent, or a health care provider may file a complaint for grievance based on any of the above grounds, in accordance with the following procedures: (a) A complaint for grievance, INCLUDING THOSE RELATED TO THE PMRP, MUST BE FILED WITH THE CORPORATION, which shall refer such complaint to the Grievance and Appeal Review Committee. The Grievance and Appeal Review Committee shall rule on the complaint through a notice of resolution within sixty (60) calendar days from receipt thereof. XXX XXX XXX

Sec. 17. Section 44 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

Sec. 44 56. Penal Provisions. - Any violation of the provisions

of this Act, after due notice and hearing, shall suffer the following penalties: XXX XXX XXX (e) VIOLATIONS RELATED TO THE PMRP. - ANY MEMBER, HEALTHCARE PROVIDER, OR THIRD-PARTY PARTNER WHO COMMITS FRAUD, MISREPRESENTATION, OR UNAUTHORIZED

REDEMPTION OF POINTS UNDER THE PMRP SHALL BE PUNISHED WITH A FINE OF NOT LESS THAN FIVE THOUSAND PESOS (P5,000.00) BUT NOT MORE THAN FIFTY THOUSAND PESOS (P50,000.00) OR SUSPENSION FROM PARTICIPATION IN THE PMRP FOR NOT LESS THAN SIX (6) MONTHS BUT NOT MORE THAN ONE (1) YEAR, OR BOTH, AT THE DISCRETION OF THE CORPORATION. REPEAT OFFENDERS MAY BE PERMANENTLY BARRED FROM PARTICIPATING IN THE PMRP." XXX xXX xXX

Sec. 18. Section 55 of Republic Act No. 7875, as amended, is hereby amended

to read as follows:

SECTION 55 67. Information Campaign. - There shail be

provided a substantial period of time to undertake an intensive public information campaign prior to the implementation of the rules and regulations of this Act. THE CORPORATION SHALL DEVELOP AND IMPLEMENT AN EXTENSIVE AND EFFECTIVE INFORMATION CAMPAIGN TO EDUCATE THE PUBLIC ON ALL PROGRAMS, SERVICES, AND BENEFITS PROVIDED BY PHILHEALTH, INCLUDING BUT NOT LIMITED TO THE NHIP AND THE PMRP. THIS CAMPAIGN SHALL UTILIZE A WIDE RANGE OF COMMUNICATION PLATFORMS, INCLUDING TRADITIONAL MEDIA SUCH AS TELEVISION, RADIO, AND PRINT; DIGITAL PLATFORMS INCLUDING SOCIAL MEDIA, MOBILE APPLICATIONS, AND THE OFFICIAL PHILHEALTH WEBSITE; AND ONSITE EFFORTS AT PARTNER HEALTH FACILITIES, LOCAL GOVERNMENT UNITS, AND COMMUNITY CENTERS. PARTNER HEALTH FACILITIES SHALL ACTIVELY PARTICIPATE BY DISSEMINATING PROMOTIONAL

MATERIALS, TRAINING PERSONNEL ON PHILHEALTH PROGRAMS, AND PROVIDING FEEDBACK MECHANISMS FOR MEMBER CONCERNS. THE CAMPAIGN SHALL PRIORITIZE INCLUSIVITY BY TRANSLATING MATERIALS INTO LOCAL DIALECTS, ENSURING ACCESSIBILITY FOR PERSONS WITH DISABILITIES, AND COLLABORATING WITH LOCAL GOVERNMENT UNITS AND NON-GOVERNMENTAL ORGANIZATIONS TO REACH UNDERSERVED COMMUNITIES. A DEDICATED EFFORT SHALL BE MADE FOR THE PMRP, FOCUSING ON EDUCATING MEMBERS ABOUT POINTS ACCUMULATION, REDEMPTION MECHANISMS, AND ELIGIBLE BENEFITS, AS WELL AS PROMOTING PREVENTIVE HEALTHCARE INCENTIVES.

Sec 19. Separability Clause. - If any part or provision of this Act is held

unconstitutional or invalid, other provisions which are not affected thereby shall continue to be in full force and effect.

Sec. 20. Repealing Clause. - All laws, issuances, or parts thereof inconsistent

with this Act are hereby repealed or modified accordingly.

Sec 21. Effectivity. - This Act shall take effect fifteen (15) days after its

publication in the Official Gazette or in at least two (2) newspapers of general circulation. Approved,