I think it changed a couple of years ago. Recently a hospital wouldn't recognize me as a dependent. My better half went to the main Phil Health office and got a document that stated I am covered. I've been a dependent for almost 10 yesrs. It is worthwhile to make sure you are listed as a dependent if eligible. My cousin was recently treated for covid19. Total bill 150,000 pesos. Phil Health paid 120,000 pesos.