What are OFW’s Benefits?

Most of us OFW’s (including me) have no clue about the benefits that the government is giving. I only knew recently that we are entitled to several benefits as per government’s directives in appreciation for supposedly “modern heroes” like us. I think there is also a re-integration program for OFW returnees but I couldn’t find the details. I will post that topic later. Here’s the list of benefits:

DTI Order Regalo
The Philippine International Trading Corporation (PITC) is the conduit of the Order Regalo Program where Filipinos abroad and those who have traveled abroad can buy products they can send home to their family or friends in the Philippines from PITC-accredited Order Centers. Visit site

OWWA Programs and Benefits

Visit site

Pag-IBIG Overseas Program
The Pag-IBIG Overseas Program (POP) is a voluntary savings program which aims to provide Filipino overseas contract workers ,immigrants and naturalized citizens the opportunity to save for their future and the chance to avail of a housing loan of as much as P 2,000,000.00. Visit site

The SSS Flexi-Fund Program : A Voluntary Provident Fund for OFWs
The program is a voluntary provident fund that provides a mechanism for the OFW to save more for the future, complementing the benefits under the regular SSS programs. This means the program is open only to OFWs abroad and is added on top of existing SSS-OFW membership benefits. Visit site

GSIS Expanded Bahay Ko Program (EBKP)
Pinapayagan na ngayon ng Government Service Insurance System ang mga overseas Filipino workers (OFWs) upang magsilbing co-maker para sa programang pabahay sa mga GSIS members. Ibig sabihin nito, maaari pang palakihin ng isang GSIS member ang halaga ng pwede nyang utangin para sa pagpapatayo ng bahay kung mayroon itong kamag-anak na OFW na papayag magsilbing co-maker sa kanyang utang. Visit site

Philhealth’s Overseas Workers Program
overseas workers who eventually return for good can continue their membership as an Individually Paying Member. In addition, unless otherwise covered by special laws, PhilHealth members who reach the age of sixty and have paid at least 120 monthly contributions to PhilHealth are afforded lifetime coverage without paying additional premiums. Visit site

Medical Care Program for OFWs

PNB’s OFW Center

PNB’s Own a Philippine Home Loan Program for OFWs
This loan facility is open to all Filipinos and non-Filipinos residing and working overseas who are interested in purchasing residential real estate (lot, house & lot, condominium, townhouse or rowhouse) in the Philippines. The loan may also be availed of for purposes of constructing a house on a lot owned by the borrower, improvement on an existing house owned by the borrower and refinancing of a Philippine Peso home mortgage loan. Borrowers may avail of only one loan. Visit site

Balikbayan Plus Program

OWWA and Microsoft’s Tulay Project
Microsoft Philippines and the Overseas Workers Welfare Administration (OWWA) recently inaugurated the facilities for “Tulay,” an initiative of and that provides IT training and access to technology that will enable OFW families to communicate via the Internet. More than three thousand OFWs and their families are targeted to benefit from the project. Visit site

source: gov.ph

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36 Comments + Add Comment

  • dear sir or madaM:
    me and hubby would like to ask assistance for loan program. if you could kindly send us thru this email the rewquirements where we could start filing our loan request..
    thanks you and more power

  • Dear sir/ mam
    gusto ko malaman kc member po ako ng pagibig, totoo po ba kung mag loan sa pagibig hindi kino cover ng pagibig lahat ng amout na kailangan at mag cash out din kami? pls asap rply thank u.

  • i want to inquire on how can i avail of the loans.but i don’t know how and where to start.


  • Is there any program for a retired seafarer like education program?
    Is there a program for home contruction loan for the seafarers?

  • hello po eh gusto ko po mag tanong i kong hinde ka naman member ng mga bagay nayan pero ofw ka ano naman po ang pwede naming e loan lalo na po pag mga katolong lng po kami eh gusto po namin mag raoon ng bahay kahit maliit lng aantayin ko po ang reply ninyo s alamat po

  • dear madam,

    ask lang po kasi im also a ofw, pagbalik mangga2wa po diba ngba2yad s poea. ask ko lng po kung may philhealth dun s binbayaran… panu ko po ba mala2man yung number ng philhealth ko if ever meron aq.. thanks pa email na lng po.

  • i am the legal wife of an OFW worker in dubai,i wanted to know what are our benefits coz he has a mistress.and what / where can i ask assistance for legal matters for the security of my children in terms of financial help since we dont know how much he is earning and my kids are just receiving what he wanted to give for a month’s expenses.pls help.thank you.

  • what are the benefits of ofw????

  • hi sir,madam I’m nick from makati ask ko lang po I work in us naval base in qatar then they send me in bahgdad last 2003 during american occupation in iraq war I went to abudabi after that But it the same situation that I encounter because i feel I’m in the middle of nowhwere I lost and the campany that I work didn’t give me food allowonce I have bad expeirience when I was there they tortured me they didn’t give me food until I breakdown and loose also my mind my family help me to survive they send me in specialist to give back my conciousness who will be sir the responsible of what happen to me the american who bhrougt me in war or the campany also that didn’d give me right previlege,is there goverment can help me of my disability.

  • hi sir,madam I’m nick from makati ask ko lang po I work in us naval base in qatar then they send me in bahgdad last 2003 during american occupation in iraq war I went to abudabi after that But it the same situation that I encounter because i feel I’m in the middle of nowhwere I lost and the campany that I work didn’t give me food allowonce I have bad expeirience when I was there they tortured me they didn’t give me food until I breakdown and loose also my mind my family help me to survive they send me in specialist

  • My husband is OFW and I just give birth with a premature baby last Mar. 16,2011 and our hospital bill is worth 32,000.00 with Philhealth.Until now my baby is still in the hospital and the hospital give us partial bill last April 04,2011 with the amount of 85,000.00 less 15,000.00 Philhealth….May ask what else can we avail?to lessen our bill in the hospital.

  • what are the benefits of ofw????

  • isa po akong ofw na babalik na sa pinas maari po ba akong makapag housing loan thru pagibig wife ko po ang member ano po ba ang mga requirements? salamat po

  • isa po akong ofw sa ngayon po kapos na kapos na po ako
    gusto ko sanang magloan ano ang dapat kong gawin

  • hi cecile,

    hope am not to late to answer your question about philhealth. you can go to Philhelath office DAP ortigas center (landmark can be richmonde hotel in san miguel ave. then walk straight goint to shaw blvd) pa print ka nag member data record. all your payments will be reflecting in that form. hope this helps you. goodluck

  • anong benipisyo ang makukuha ng aking lola sa pagtatrabaho nya ng 30 taon sa saudi arabia at saan ito pwedeng makuha.

  • OFW Business Loan

    I am a former OFW. I now run my gas station with complimentary businesses.

    I have started my independent gas station for a year and for now its going strong.

    Anyone who might be availing the OWWA loan, can look at putting up their own gas station, ( no franchise fee) for the following reasons

    – highly demand commodity

    – short time turn over

    – increasing demand due to increase vehicle purchase

    With your budget of 2M would be enough to put up one like the “Bulilit gas station”. Compared to other franchise players, margin is minimal so you have to play by the volume to reach their quota.

    Here, you are your own boss at very flexible margin.

    Required lot at least 500 sqm on your name, along hiway or near city

    We can assist you build up your business plan, to contruction, to operational

    But Before respond, we require the ff:
    – must have a lot w TCT not lesser than 500 sqm along hiway or near city (location)
    – have at least 500k operating budget other than the 2m Loan (they require 20% equity)
    – willing to undergo training
    – willing to be the managing-owner and has no more intention to return as ofw…

    email me at ofwalliance@gmail.com and send me your available time to meet at manila. Due to volume of inquiries, it may take some time for us to get back to you. Make sure that you qualify on the above qualification for us not to waste time.

    Read more: http://www.sulit.com.ph/index.php/view+classifieds/id/4119325/Attn+OFWs%3A+Gas+Station+Set+up+thru+OWWA+Loan%2C+Ready+Business+Plan?referralKeywords=owwa+loan

  • i wnt to know how and where i can process or go to become a member of pag ibig

  • hoping owwa can do best to give a gud benefit to all ofw

  • bakit if search ko medical benefits ng mga ofw sa site laging nag eerror. pls advise kc may fren ako na umuwi recently fr hongkong maysakit siya sa bato. ung owwa membership niya is still active. she have gone 2 operations already. ala na siyang pera pambili ng gamot niya. ano makukuha niya sa medical benefits. gusto niya napupunta sa main office niyo dito manila kaso wala siyang pamasahe fr the province of ifugao

  • dear sir/madam:

    Im an OFW before, i end my contract last Nov.16, 2011. I just want to know if i have a benefits, but im not a memeber of GSIS. I want to inquire on how can i avail of the loans. But i don’t know how and where to start.
    Hope you can help me.


  • sir/madam:

    ang mga overseas contract worker po ba f ever kumuha ng community tax ay mgbabayad ng tax sa kanilang knikta? d po ba regular community tax ang kanilang dapat mabayaran lang?

  • My mga benefits po bang makukuha ang mga OFW na ngkaron ng sakit sa ibang bansa (minimal PTB)?

  • Napaka unfair nman po n bgao ako umalis ng bansa last 2008 ay malinis at maayos ang aking medical recods at ng matpos me ang contrata me ay, nakitaan n ako ng Minimal (PTB) at ngayon tapos n ang gamutan ay mahirap makabalik sa trabaho. Paano ko nman po bubuhayin ang pamilya ko?

  • dear sir/mam : mayron lng po akong katanonga kc po tenerminate ako ng company ko na wlng dahilan, 2yrs ang kontrata ko d2 at hindi kopa natatapos mababayaran ba nila ang araw buwan at taon na naiwan sa dalawang taon kong kontrata na pinermahan? pls..reply po tnx.

  • Dear Sir/madam,
    i been working here in malaysia since 1994, and when I went back to Phillippines by 2008, I was already a member of this POEA,OWWA and PHILHEALTH.My question is
    1.), POEA,OWWA & PHILHEALTH covers only for 1 yearly and it must be renewed, if ever it was not renewed in the next 2 years are we still an active member of it?
    2.)Do the Philppine government will help us to secure for at least something we say work, some small investment of an OFW workers who wants to go back to Phils. ?
    please send your answer to my emails address …. thank for it

  • Please be kind enough to give information regarding on which school are accredited for our kids in Philippines to avail scholarship program as me working here abroad.

  • i want to apply for a housing loan.

  • member po ako ng philhealth b4 po ako umalis ng pinas ng fill-up po kmi lahat ng doc.like philhealth sss.pag ibig s agency ko…. isa po ang anak ko s beneficiary ko,MARCH 08-10,2012 naadmit po ang anak ko s hospital at ndi rin po ngamit yong philhealth ko dhil ndi dw ksma s bracket ung cause ng pag kakaadmit nya s hspital at nlaman ko din n hindi dw ksama ang anak q sbneficiary ko,pnu ko po maayos yon kng nnd2 po ako ngaun s taiwan at my marerefund pba ako or wala.

  • inquire about how to avail home loan, we are planning to build our dream house but as now short of budget…i am an OFW

  • Sir/Madam
    Inquire lng ako about my benefit as OFW at decide ako mag for good and I’m paying my regular fee everytime na umaalis ako. Ano ang mai susuggest ninyo sa akin to start a new life again d2 sa Pilipinas na kailangan kung subaybayan ang aking anak . Ayaw kug mauwi sa wala ang lahat dhl sila lamang ang dahilan ng aking sakripisyo sa labas.
    Lubos po akong umaasa sa inyong kasagutan.


  • hi sir,ma’am,gusto po nmin mkkpag avail ng aming benefits as ofw po pra sa education ng aming mga anak…by nxt yr mg college npo sila.anong school po at ano po mga requirements kc mgbbkasyon po kmi by nxt yr bgo kmi po babalik dto sa labas ma e -process po nmin.@ then saan po kmi pwd mkkpgloan for housing naipatayo npo nmin ung bhay kya lng dpo natapos…bt babalik po kmi dto sa labas at ippdla nlang dn po nmin ung buwanang byad po nmin….mkkpgloan po ba kmi.8yrs nrin po aq dto sa labas po maraming salamat po.sana po masasagot nyo po ang katanungan kong ito bago po darating ang april 2013 po.

  • Sa nais mag housing loan sa pag ibig..ang daming requirements ang aasikasuhin nyo bago makapag loan. Kailangan mag construct muna kayo ng bahay bago irelaese ang loan..Kaya nga magloloan para mag construct ng bahay tapos ang release ng pera after mafinish ang bahay…pahirapan db?

    Sa owwa nman pag nag loan…ganun din..pahirapan tlga..pati co maker kailangan dalawa. Ang dami requirements. Pero ang pag singil satin ng sa balik mangagawa ang dali dali lng pero ang pag bigay ng pautang pahirapan.

    Sa philhealth naman..medyo ok nman para sakin kasi nagamit ko nman ng nanganak ang asawa ko saka ng magkasakit ang anak ko. Ang kailanngan lang nman yon Membership data registration. Humingi kayo ng MDR pagkatapos nyo magbayad ng philhelth tapos yon ang iwan nyio sa beneficiary nyo bago kayo umalis ng pinas para magamit nila pag cla ay nagkasakit..

    Sana makatulong..

  • Isa po akong ofw na almost 6 years nang nagwork dito sa saudi,ask ko lang po ang tungkol sa educational benefit.pwd ko bang maging benefeciary ang kapatid ko na nagaaral na sa college?at sino pa ang pwd kng maging beneficiary sa educational benefit maliban sa mga anak ko?maraming salamat po…

  • may karapatan po b ang ofw magdeclare kung magkano lang ang allotment na ipadadala niya sa wife

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