Senior Citizen Benefits and Discount in the Philippines

There are so many reasons to look forward to your 60th birthday. More time to spend with family and friends, your long-awaited retirement from work with lump sums of money, a guaranteed monthly pension, and also a long string of benefits once you reach your sixties.

Worldwide, people are considered to be of senior age if they are 65 years old or more. Here in the Philippines, you must be 60 years old or above in order to be a “senior citizen age”, and you must be a resident of the country. This is also applicable to senior citizens who have dual citizenship status as long as they can show proof of their Filipino citizenship and have at least 6 months of residency in the country.

There are lots of programs for senior citizen benefits Philippines. To avail of benefits afforded to senior citizens in the Philippines, we will tell you about this below.

About the Expanded Senior Citizen Act of 2010

For those who are still years away from reaching their sixties, it still pays to learn about the numerous benefits that are afforded to senior citizens in the Philippines. You can use it as a basis for your long-term goals or when you are looking after your parents or grandparents. 

The Republic Act 9994 or the Expanded Senior Citizens Act of 2010 (1) defines the privileges all senior citizens in the Philippines are entitled to. The law posits that Filipino senior citizens must be afforded benefits and privileges in order to support their well-being and improve their welfare in the latter years of their lives. 

Senior citizens in the Philippines can avail of a 20% discount in every purchase and are exempted from value-added tax (VAT) on particular goods and services that they will exclusively use. 

Senior citizens will also be provided with a national health insurance program-covered comprehensive health care and rehabilitation system that will help particularly those with health problems and disabilities. All pensioners must also be covered by the national health insurance program, as per RA 10645 (2).

Some of the medical benefits being granted to senior citizens include:

• medicines
• medical supplies
• free vaccinations 
• dental services in public and private health facilities

Senior citizens will also receive discounts on:

• transportation fares
• accommodation fees
• restaurants
• recreational activities
• leisure activities
• and funeral services.

They can even get discounts on utilities such as electricity and water bills

Other mandatory benefits for Filipino senior citizens include:

• exemptions on income tax and training fees
• financial aid for education
• retirement benefits
• and priority lanes in public offices and private establishments.

Financial assistance for senior citizens in Philippines

Some local government units even give pensioners a monthly allowance, depending on their budget. On January 17, 2023, the monthly social pension for indigent senior citizens was increased from Php 500 to Php 1000 beginning this year – Republic Act (RA) 11916 (3) 

In January 2022, the House of Representatives approved a measure granting Php 25,000 to senior citizens who will reach 80 years of age, Php 100,000 to those who will reach 100 years old, and Php 1 million to those who will reach 101 years old.

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What are Senior Citizen Benefits Philippines 2023

What benefits are legally available to the elderly and indigent senior citizens in the Philippines? Here’s a table of some senior citizen benefits form government:

How to Compute the Senior Citizen Discount

To compute the senior citizen discount, you must determine the amount of the value-added tax (VAT) from the selling price of the item or service. Then, subtract the 20% from the VAT-exempt amount. Afterwards, you can now compute the billable amount.

Calculating Senior Citizen Discount in the Philippines

Philippine seniors don’t pay VAT. The VAT-free amount is the selling price divided by the VAT rate (12%). For example: Item cost: ₱520

1. Formula: Selling Price ÷ VAT Rate = VAT Exempt Sales
   Total: ₱520 ÷ 1.12 = ₱464.29
   Seniors enjoy a 20% discount on purchases. This is calculated by multiplying VAT-free sales by 20%.
2. Formula: VAT Exempt Sales x 20% = Senior Citizen Discount
   Total: ₱464.29 x 0.20 = ₱92.86
   The final bill is the VAT-free sales less the senior citizen discount.
3. Formula: VAT Exempt Sales – Senior Citizen Discount = Billable Amount
   Total: ₱464.29 – ₱92.86 = ₱371.43 Billable Amount

 

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Senior Citizens Benefits on Medicines

Senior citizens, especially those who are indigents, can avail of free medical and dental services as long as the medical procedures will be done in government facilities. For example, senior citizens can receive free flu or pneumonia vaccinations from pharmacies such as Mercury Drug. In addition, the Department of Health (DOH) (7) prioritizes giving free COVID-19 vaccines to senior citizens since they are more at risk of getting complications from the virus. 

As long as you have a doctor’s prescription, you are eligible to use your senior citizen card to buy:

• generic or branded medicines
• vitaminsmand and mineral supplements.

Even the purchase of medical supplies and equipment such as:

• hearing aids
• eyeglasses
• wheelchairs
• crutches
• and dentures

All this is discounted and exempt from VAT

If you have to have a medical or dental check-up, you are eligible to ask for a discount from your doctors and other licensed health workers.  In case you have to undergo laboratory tests like blood tests, X-rays, and others, you can be relieved by the fact that you will be getting a discount for these procedures. 

The No Balance Billing Policy also applies in public hospitals, meaning senior patients no longer need to pay for their hospital bills.

You can also avail of discounted food products for pensioners such as Ensure Gold and other milk products which are beneficial to seniors. If a senior citizen cannot go out to purchase these products, just present an authorization letter to purchase on behalf of the senior citizen.

As stipulated by Republic Act 10645, every Filipino senior citizen is entitled to receive Health Insurance coverage in healthcare facilities that are accredited by the government. 

Even without the Member Data Record (MDR), seniors can avail themselves of medical treatments by just presenting their senior citizen ID. This coverage benefits for senior citizens is in addition to the standard 20% discount and VAT exemption when admitted to private hospitals. 

National Health Insurance also offers benefits to senior citizen members, including mandatory coverage in accredited medical facilities in the country. For members who have been confined in private hospitals, the 20% senior discount and VAT exemption will be subtracted from the total amount first before the  benefit is applied.  Senior citizen hospitalization benefits Philippines are also largely due to National Health Insurance Programs.

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Travel Discount for Senior Citizens

Even your travel expenses are lessened now that you are a senior citizen! What are benefits of senior citizen in the Philippines for travel?

Whether you are just traveling short distances through jeepneys, buses, taxis, shuttle services, or trains, you can enjoy the privileges of being a pensioner through discounts on travel fares. Public transport vehicles will even allot a comfortable seat for you.

Domestic flights, physical bookings, and online bookings in AirAsia, Philippine Airlines, and Cebu Pacific are eligible for a 20% discount and VAT exemption. Take note, however, that this discount does not cover baggage allowance, other fees, and international flights. 

For senior citizens who find it troublesome to commute, there is an exemption for the number coding scheme for seniors whether they may be the driver or passenger. In cities like Manila, Cebu, Muntinlupa, and Quezon, seniors can even enjoy free car parking benefits.

For those traveling by air, some airlines will even assist and prioritize senior citizens when boarding and getting off the plane. They will also assist you if you need mobility assistance like wheelchairs or walking canes. As a senior citizen, you can also apply for an affordable travel loan in the Philippines.

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Senior Citizen Recreation Discount in the Philippines

If you also enjoy sporting activities like working out in the gym, playing badminton or tennis, ballroom dancing, or even bowling, you can definitely use your senior card to avail of a discount.

Recreational services like the cinema will happily grant you your 20% senior citizen discount and other benefits of senior citizens in the Philippines such as free food and other services! You can also avail of free movie admissions once a month.

This also includes other artistic leisure activities such as going to theaters, cinemas, museums, concert halls and parks.

Some cities even provide free movie tickets to senior citizens and send cakes on birthdays, such as in Makati City where they provide free cakes to senior citizens on their birthday!

Senior Citizen Utility Bills Benefits

Senior citizens are entitled to a 5% discount from water and power bills if the accounts are in their name and their household does not consume over 30 cubic meters of water and 100 kWh or less for electricity.

If you want to know how to save electricity at home Philippines just take advantage of the 5% senior citizen discount on Meralco, but make sure that your electricity consumption for the month is less than 100 kilowatts per hour. You can visit any Meralco business center and present your senior citizen ID along with your Meralco bill under the senior citizen’s name and barangay certificates of two people who have known the senior citizen for at least one year.

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Discount in Grocery Stores for Seniors

Even if you cannot avail 20% on each item, you can enjoy a special 5% discount without VAT exemption on certain groceries as mandated by the Department of Agriculture (5) and Department of Trade and Industry

If you purchase groceries valued at about 1,300 pesos a week, you can avail yourself of a 5% discount on retail prices of prime commodities and necessities.

This includes rice, bread, corn, fresh, canned, or processed chicken, beef, and pork, fresh eggs, coffee, creamer, and sugar, fresh fruit and vegetables, garlic and onions, cooking oil and salt, noodles, canned sardines, and canned tuna, fresh milk and other dairy products, detergents, electrical supplies, light bulbs, batteries, and geriatric diapers. 

This discount applies in supermarkets, convenience stores, and drug stores as long as you bring your senior card with you as well as your OSCA purchase booklet that you received along with your senior card. Just present your OSCA-issued Senior Citizen ID in order to avail of the benefits to get OSCA senior citizen benefits.

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Discount on Restaurants and Hotels

You can enjoy meals, desserts, and beverages in a dine-in, take-out, drive-thru, and delivery orders without worrying too much about how much you have to pay!

This covers 20% discounts from big fast-food chains such as:

• McDonald’s
• Jollibee (Jollibee coupons are also available, but it cannot be used along with your senior citizen discount)
• KFC
• Chowking
• Mang Inasal
• and Greenwich.

Apps such as Grab and Foodpanda will require you to upload a copy of your senior citizen ID as proof in order to avail the discount.

Speaking of affordable vacation, accommodation, and amenities in hotels, beach resorts, or even  is also part of the 20% discount and VAT exemption benefit. Just present your senior citizen ID during the booking or check-in process and get your senior citizens benefits in the Philippines.

Quick Loans for Pensioners in the Philippines

If you are a senior citizen who is in dire need of cash, Digido can help you! Digido is one of the few companies that approve loans for pensioners in the Philippines. It does not include too many requirements for you to be able to apply for a loan.

All operations are performed online - you don't have to leave your house

In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.

We don't require guarantors representation, documentation, or guarantee deposits.

We only require 1 government valid ID

As long as you have not reached the age of 70 years and you still have other sources of income aside from your pension, you can still apply for a loan at Digido. 

All you need to do is to present one valid government ID and a valid mobile number. You no longer need to fall in long queues because you can receive the loan you need in just a few minutes from the comforts of your home. 

There will be no worries on how to return the amount borrowed either because payment terms are flexible. So always remember that with Digido, you can always easily get reliable emergency loans in the Philippines in a few minutes.

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