Healthcare Financial OS in the Philippines • PhilHealth e-Claims 3.0, HMO LOA & PFRS General Ledger

Medical Billing, PhilHealth e-Claims & PFRS Accounting.

Automate PhilHealth e-Claims 3.0, physician professional fee splits, HMO Letters of Authorization (LOA), dynamic room tariffs, and general ledger journal vouchers. Engineered for international PFRS standards and Philippine healthcare realities.

98% Auto-completed e-Claims , Paperless HMO LOA tracking , and Bedside Item GL auto-posting
Live Multi-Payer Hospital Claims Queue • Batch #PH-9921
Real-Time PhilHealth Gateway Active
PH

PhilHealth Claim (Ref: 299-A)

Santos, Maria
RVS 59514 (Cesarean Delivery) • ICD-10 O82.0 • 1st Case Rate
₱19,000.00
Auto-Validated
MAX

Maxicare HMO (LOA Ref: 882-B)

Reyes, Jonathan
Inpatient Room & Board (3 Days) + CBC Panel LOINC 57021-8
₱8,450.00
LOA Approved
CASH

Outpatient Settlement (Inv #00223)

Dela Cruz, Juan
Consultation + Rapid Diagnostic Panel • Paid via GCash
₱1,850.00
OR #7802 Issued
Total Hospital Revenue Processed Today ₱41,500.00
Hospital Billing Action Items
PhilHealth e-Claim
2m ago

Validate PhilHealth CF-4 & Case Rate for Santos, M.

Cesarean Delivery RVS 59514 • ₱19,000 benefit calculated • 0.0% RTH Risk

STAT Settlement Folio #fin-1
HMO LOA Engine
9m ago

Authorize Maxicare HMO LOA for Bed 12 (Elena Vance)

Benefit ceiling ₱60,000 confirmed • Zero co-pay required • LOA attached

Auto-Checked Folio #fin-2
Item GL Linker
15m ago

Auto-Post Anesthesia Breathing Circuit (SUP-007) to GL 5020

Scanned in OR Suite 2 • Charge auto-accrued to patient folio

Auto-Checked Folio #fin-3
Discharge Ledger
34m ago

Execute 1-Click Financial Lock for Discharge (Folio #2456)

Final eSOA cleared • Zero remaining balance • Retroactive edits frozen

Auto-Checked Folio #fin-4
PhilHealth eClaim #9921 transmitted
100% Clean Pass
Finance & Accounting Portal

Operations Center

Manage corporate financials, taxation, and PFRS reporting.

Fiscal Period
Gross Rev (Sep 2026)
₱2,480,500.00
↑ 14.2% vs last period
Expenses (Sep 2026) ₱
₱1,796,300.00
Within budget guidelines
EBITDA (Sep 2026)
₱684,200.00
27.5% Operating margin
Cash & Equivalents
₱14,820,000.00
Liquidity ratio 2.4x

Income Statement Summary

OPERATING REVENUES ₱2,480,500.00
EXPENSES & COGS ₱1,796,300.00
NET OPERATING INCOME ₱684,200.00

Aging of Receivables

Guarantor Balance & Status
PhilHealth (0 - 30 Days) ₱420,000.00 (Current)
Maxicare Healthcare (31 - 60 Days) ₱185,500.00 (In Process)
Intellicare Asalus (61 - 90 Days) ₱42,300.00 (Under Review)
PFRS Enterprise Financials

Real-time financial dashboard & executive PFRS intelligence

Automated Gross Revenue, EBITDA, and Aging of Receivables tracking

Eliminate delayed month-end manual consolidations. Agimat continuously aggregates inpatient ward charges, operating room consumables, LIS diagnostics, and pharmacy sales into automated PFRS financial statements. Executive leadership tracks real-time operating margins, cash liquidity, and receivables aging across self-pay, HMO, and government payers.

Income Statements Cash Flow Projections Guarantor Aging Matrix
PFRS Executive Summary • Q3 2026
Audit Ready
Gross Revenue
₱2,480,500.00
↑ 14.2% vs last quarter
EBITDA Margin
₱684,200.00
27.5% Operating margin
Guarantor Aging of Receivables (AR)
PhilHealth (0 - 30 Days) ₱420,000.00 (Current)
Maxicare Healthcare (31 - 60 Days) ₱185,500.00 (In Process)
Intellicare Asalus (61 - 90 Days) ₱42,300.00 (Under Review)
BIR CAS & Tax Center

Automated BIR Form 2307 & 1601-EQ tax compliance

Zero-delay withholding certificates and 1-click quarterly DAT file exports

Eliminate the quarterly bottleneck of manual tax filing. Agimat automatically computes Expanded Withholding Tax (EWT) on doctor Professional Fees (10% or 15% based on gross receipts) and vendor Accounts Payable (AP) vouchers. Generate official BIR Form 2307 certificates with embedded Tax Identification Numbers (TIN) and Alphanumeric Tax Codes (ATC), and export encrypted 1601-EQ DAT files formatted for BIR eFPS.

Form 2307 Withholding Ledger
Dr. Julian Sterling, MD ATC: WI010
TIN: 218-492-019-000 • Professional Fee 10% EWT
Gross: ₱45,000.00 Withheld: -₱4,500.00 Net: ₱40,500.00
Vizcarra Pharmaceutical Inc. ATC: WC100
TIN: 004-981-224-000 • Medical Supplies 1% EWT
Gross: ₱61,000.00 Withheld: -₱610.00 Net: ₱60,390.00
Automated Certificate Sign-Off
Digital signature and BIR Form 2307 PDF generated automatically upon payment voucher release.
Zero Billing Leakage

Master data item GL linker: bedside scans automatically post to accounting

Bind clinical supplies, implants, and pharmacy SKUs directly to GL accounts

Eliminate inventory shrinkage and missed charges permanently. When a clinical consumable—such as an eggcrate mattress (SUP-003) or anesthesia breathing circuit (SUP-007)—is scanned at bedside or during surgery, Agimat automatically posts the charge to the patient's folio and books the corresponding debit/credit in the General Ledger.

Automated SKU-to-GL inventory decrement & revenue recognition
Point-of-Care Scan to GL Ledger Pipeline
Active Conduit
BARCODE SCAN EVENT
OR Suite 2 • Bed 12
Item Scanned: ANESTHESIA BREATHING CIRCUIT ADULT SKU: SUP-007 • Bound to GL 5020
Automated General Ledger Posting: POSTED
Dr: 1100 (Patient Receivable Folio #2456) +₱1,850.00
Cr: 4030 (Central Supply Revenue) -₱1,850.00
Inventory Count: Automatically decremented Zero Billing Leakage

Focus on patient care, we have healthcare billing and corporate accounting covered.

98% auto-completed PhilHealth e-Claims (eSOA, CSF, CF-1 to CF-5)
Automated HMO Letter of Authorization (LOA) verification
Point-of-care item scanning with automated GL posting
Dynamic room tariff scheduling & procedure pricing
Real-time Expanded Withholding Tax (EWT) & Form 2307
1-Click financial discharge locking to prevent revenue leakage
Senior Citizen (20%) & PWD statutory exemption calculations
PFRS-compliant general ledger & automated journal vouchers
Multi-channel cashiering: Cash, Cards, GCash & Maya QR
Itemized, general & PhilHealth-reconciled electronic SOAs
Automated doctor professional fee (PF) split calculations
Guarantor aging of accounts receivable (AR) matrices
Zero-discrepancy trial balance & Chart of Accounts mapping
BIR Computerized Accounting System (CAS) audit-ready logs
PhilHealth e-Claims 3.0 & YAKAP

Simplified PhilHealth e-Claims 3.0 & YAKAP (Konsulta) integration

Licensed CSP with 98% auto-completed claims and real-time pre-flight validation

As an accredited PhilHealth Certified Service Provider (CSP), Agimat auto-populates up to 98% of claim data directly from clinical SOAP progress notes, laboratory LOINC biomarkers, and CPOE pharmacy dispensings. Pre-flight validation screens CF-1, CF-2, CF-4, and CSF attachments prior to batch transmittal, reducing Return-to-Hospital (RTH) rejection rates below 0.2%.

CF-1 to CF-5 Automation YAKAP Capitation Register < 0.2% RTH Rate
PhilHealth Claim Package • Batch #PH-9921
98% Auto-Filled
Clinical Abstract & History Auto-extracted from EMR encounter #2456
Received
Discharge Summary e-Signed Dr. J. Sterling (PRC #0098241) verified
Received
Claim Form 4 (CF-4) Document RVS 59514 & ICD-10 O82.0 cross-mapped
Generated
Claim Signature Form (CSF) Member PIN 12-3456789-0 portal verified
Attached
Pre-Flight Gateway Rule Check: 100% Passed
Zero missing parameters detected. Ready for instantaneous automated transmittal.
AI-Powered Document Intake

Physical document scanning & automatic e-Claims data extraction

Digitize paper Claim Form 1 (CF-1), CF-2, and CSF sheets with zero manual typing

Philippine healthcares and clinics regularly receive handwritten Member Data Records (MDR), paper-based Claim Form 1 sheets, signed Claim Signature Forms (CSF), and physical laboratory attachments. Agimat’s intelligent optical character recognition (OCR) and document understanding engine automatically extracts and cross-checks member PINs, confinement dates, and procedure tariffs directly into PhilHealth e-Claims 3.0 packages with sub-second accuracy.

CF-1, CF-2 & CSF Supported 99.4% Extraction Accuracy Auto-Fill Claim Payload
Document Parsing Stream
PhilHealth Claim Form 2 (CF-2) scan_092844_cf2.pdf
PARSED (99.4%)
Automated Pre-Flight Fulfillment
Physical form data automatically parsed and populated into PhilHealth e-Claims Batch #PH-9921 with 0% RTH risk.
Direct HMO Gateway

Automated HMO LOA submission & instant guarantor binding

Eliminate long phone queues, manual faxes, and lost paperwork. Submit Letters of Authorization (LOA) directly to top Philippine HMOs including Maxicare, Intellicare, Medicard, PhilCare, and Etiqa with live approval tracking.

Live HMO Authorization Pipeline API Bridge Online
Maxicare Healthcare Corp Approved
Policy #MAX-09281 • Max Limit: ₱80,000 • Inpatient Cleared
₱45,000.00 0% Co-Pay
Intellicare (Asalus Corp) Active Review
Policy #INT-44912 • Diagnostic Ultrasound & Lab Orders
₱6,200.00 Pending LOA
HMO Claims Reconciled Automatically Zero Phone Calls Required
Multi-Payer Tariff Engine

PhilHealth case rates, RVS codes & dynamic pricing

Automatically compute PhilHealth 1st and 2nd Case Rates alongside custom healthcare room tariffs, doctor professional fee (PF) caps, and negotiated HMO discounts without manual math.

Automated Procedure Case Rate Calculation RVS Code: 59514
Cesarean Delivery (Standard Inpatient) ₱45,000.00
PhilHealth 1st Case Rate Deduction - ₱19,000.00
Maxicare HMO Approved LOA Coverage - ₱22,000.00
Net Patient Amount Due ₱4,000.00
Physician Professional Fee (PF) Split Auto-Allocated (₱12,000.00)
Revenue Leakage Guard

1-Click financial discharge locks & anti-leakage guards

Stop revenue leakage permanently. Once a patient folio is cleared for discharge, automated financial locking freezes the account. No unapproved retroactive line-item changes, no missing medication charges, and zero ghost adjustments.

Patient Folio Discharge Gate: Folio #2456 LOCKED (IMMUTABLE)
Retroactive Line-Item Modifications
Permanently Blocked • Authorized Sign-off Required
BLOCKED
Hospital Pharmacy Charges Reconciled 100% Cleared
LIS Diagnostic Billing Captured 100% Cleared
Patient Exit Clearance Pass Ready for Ward Release
Philippine Tax Compliance

Senior Citizen (20%), PWD exemptions & BIR CAS readiness

Strict adherence to Philippine statutory discounts. Automated computation of 20% Senior Citizen discount and VAT exemptions, withholding tax computation (BIR Form 2307), and Computerized Accounting System (CAS) audit export.

Statutory Exemption Engine • Folio #8821 OSCA / PWD Certified
Gross Medical Charges ₱22,500.00
Less: 12% Value Added Tax (VAT Exemption) - ₱2,410.71
Less: 20% Senior Citizen Statutory Discount - ₱4,017.86
Adjusted Net Hospital Due ₱16,071.43
BIR CAS Audit Trail Retention 10-Year Medico-Legal Archive

Comprehensive Electronic Statements of Account (eSOA)

Generate general, itemized, or PhilHealth-ready SOAs in seconds. Transparently split room board, operating room fees, pharmacy items, laboratory tests, and professional fees.

Hospital eSOA: Invoice #IN-957-H0392 Date: 2026-10-14
Description Qty Amount
Cesarean Delivery (RVS: 59514) 1 ₱11,400.00
Comprehensive CBC (LOINC: 57021-8) 1 ₱600.00
Inpatient Room & Board (3 Days) 3 ₱7,500.00
Total Amount Due ₱3,100.00

Multi-channel cashiering & electronic receipting

Accept payments anywhere in the healthcare—from the main cashier window to bedside tablet checkouts. Seamlessly process Cash, Cards, GCash, Maya, and direct bank transfers with BIR-compliant electronic official receipts.

GCash & Maya Instant Dynamic QR

Automated bedside QR generation with real-time settlement callback.

Instant

EMV Chip & Terminal Card Processing

Direct integration with payment POS terminals and zero-reconciliation errors.

POS Sync
National Financial Regulatory Standards

Licensed financial compliance for Philippine healthcare

Engineered to exceed Philippine Department of Health (DOH AO 2021-0037) licensing, PhilHealth Certified Service Provider (CSP) standards, BIR Computerized Accounting System (CAS) regulations, and the Data Privacy Act (RA 10173).

PhilHealth Licensed CSP e-Claims 3.0 & YAKAP
BIR CAS Audit Ready Form 2307 & e-Invoicing
PFRS Ready GAAP Compliant Trial Balance Sync
RA 10173 NPC Registered Financial Data Privacy
SOC 2 Type II Framework Ready Security Criteria
AES-256 GCM Hardware HSM Encrypted Ledger
Frequently Asked Questions

Medical Billing, PhilHealth e-Claims & PFRS Accounting in the Philippines

Common questions answered for Philippine Medical Directors, CFOs, and Hospital Billing Teams.

What makes Agimat the leading PhilHealth claims system in the Philippines? ▼

Agimat Financial is an accredited PhilHealth Certified Service Provider (CSP) engine supporting Claim Forms CF-1, CF-2, CF-3, CF-4, CF-5, eSOA, and the Claim Signature Form (CSF). It pulls 98% of required clinical data automatically from attending physicians' SOAP notes, diagnostic lab findings, and medication orders. With integrated pre-flight validation rules, it prevents clerical errors, reducing Return-to-Hospital (RTH) rates below 0.2%.

Does Agimat comply with BIR Computerized Accounting System (CAS) and Form 2307 rules? ▼

Yes. Agimat Financial is built to satisfy Bureau of Internal Revenue (BIR) CAS regulations. It computes Expanded Withholding Tax (EWT) automatically across doctor Professional Fees (ATC WI010 at 10% or 15%) and vendor supplies (ATC WC100 at 1%). It issues signed BIR Form 2307 withholding certificates in real-time and produces 1601-EQ DAT files ready for direct BIR eFPS quarterly submission.

How does Agimat streamline HMO Letter of Authorization (LOA) approvals? ▼

Agimat features a unified direct HMO Gateway that links with major Philippine HMO providers including Maxicare, Intellicare, Medicard, PhilCare, and more. Staff can verify patient benefit ceilings, attach diagnostic lab orders, transmit LOA requests electronically, and calculate patient co-pay shares without making manual telephone inquiries.

How does Agimat Health eliminate billing leakage and calculate statutory Senior / PWD discounts? ▼

Agimat incorporates 1-Click Financial Discharge Locks that freeze patient folios once the electronic Statement of Account (eSOA) is reconciled, blocking unauthorized retroactive adjustments and recovering 2–5% of gross revenue lost to leakage. Additionally, the system automatically applies the statutory 20% Senior Citizen and PWD discounts alongside full 12% VAT exemptions in strict compliance with Philippine law.

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