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RNG Bank Salary Loan Table for DepEd Teachers

Salary Loan Table - RNG Coastal Bank RNG Bank offers salary loan for permanent DepEd teaching and non-teaching staff thru Automatic Payroll Deduction System (APDS). Features: 📍LOW INTEREST RATE 📍LOAN AMOUNT UP TO 500,000 📍5 YEARS MAXIMUM LOAN TERM 📍NO HIDDEN CHARGES 📍NO NEED TO GO TO THE OFFICE A Bank that is built with trust and integrity and committed to provide quality and safe banking services to its existing and future clients, RNG Coastal Bank, Inc . is a banking institution established in the year 1974. The Bank has 15 operating branches in the Visayas, 11 in Cebu and 4 in Bohol. Providing various financial products and services to its clients for almost 50 years, RNG Coastal Bank remains strong and continuously grows its number of branches to reach more Filipinos. Here are the branches of RNG Coastal Bank: RNG Coastal Bank Head Office Cor. Cabancalan Road, Talamban, Cebu City 6000 Labangon Branch Punta Princesa, (Labangon) Cebu City Asturias Branch Poblacion, Asturias, Ce...

📥 DOWNLOAD: Guidelines on the Grant of Medical Allowance to DepEd Personnel (DepEd Order No. 16, s. 2025) + FREE PowerPoint

In its commitment to uphold the health and welfare of education frontliners, the Department of Education (DepEd) has officially issued DepEd Order No. 16, s. 2025, titled “Guidelines on the Grant of Medical Allowance to DepEd Personnel.” This order reaffirms the Department’s responsibility to support the well-being of its workforce by systematizing the availment of medical assistance, whether through group HMO coverage or individual cash grants.

📌 According to the official Field Orientation on this policy, this directive strengthens administrative procedures, clarifies personnel eligibility, and ensures equitable distribution of funds. You can now download the PowerPoint guide for official orientation use here:
👉 [Insert your download link here]


👨‍🏫📋 Who’s Eligible for the Medical Allowance under DepEd Order No. 16, s. 2025?

The updated eligibility guidelines include a broad range of personnel who meet at least six (6) months of aggregated service within the fiscal year, including periods under alternative work arrangements and leaves with pay.

Eligible personnel include:

  • Regular DepEd employees (teaching and non-teaching) with 6 months of service

  • New hires upon reaching 6 months of service within the year

  • Personnel who transferred from another agency but were not previously granted medical allowance

  • Detailed personnel (allowance granted by the mother agency)

  • Seconded personnel (allowance granted by recipient agency)

  • Compulsory retirees with extended services

  • Personnel charged with administrative/criminal cases but not yet convicted

  • Personnel found guilty with a penalty of reprimand only

  • Those on study leave with pay, with at least 6 months of service (before or after leave)


🚫📑 Ineligible Personnel Under the New Guidelines

Not all DepEd-affiliated personnel qualify. According to the Field Orientation on DepEd Order No. 16, s. 2025, the following are not qualified:

  • Consultants, experts, CoS, JOs, apprentices, and student laborers

  • Personnel already granted a similar benefit by their previous agency

  • Personnel funded by LGUs but assigned to DepEd

  • Employees on study leave the entire year

  • Those receiving HMO-based healthcare under special laws

  • Personnel found guilty of administrative/criminal cases with penalties higher than a reprimand


💼📊 Where Funds Come From: PS Allotments & MPBF

The funding source for this program is primarily the Personnel Services (PS) allotment of the schools or offices. In cases of shortfall, the Miscellaneous Personnel Benefits Fund (MPBF) may be tapped—ensuring that no qualified personnel is left behind due to budget constraints.


💳🏥 How to Avail: Group vs. Individual Options

Group Availment via HMO Procurement

The Administrative Division, acting as End-User (EU), consolidates all Annex A registration forms, prepares procurement documents, and ensures HMO delivery of services. HMO packages must include:

  • In-patient benefit

  • Out-patient consultations and diagnostics

  • Emergency care

  • Annual Physical Exams (APE)

  • Dental services

📝 New hires will only get their HMO card after completing 6 months of service.

🧾 Individual Availment: Two Options

Option 1: For Own HMO Enrollment
  • Payroll-based release upon validated Annex A form

  • Proof of HMO enrollment, official receipt, or valid ID must be submitted

  • Family plan dependents can avail upon submission of proof

  • No refund required if the amount is less than the ₱7,000 allowance

Option 2: For Medical Expense Reimbursement

Granted only to personnel who are:

  • Assigned/residing in GIDA areas

  • In communities without an HMO branch

  • Have been denied HMO enrollment

📌 Submit Annex B with proof of location, denial letter, and medical expense receipts.

⚠️ Failure to comply with documentation will result in disqualification for the next year’s grant.


📊📋 HMO Plans Reviewed in the Orientation

Based on the industry study presented during the field orientation:

  • HMO A – ₱160,000/year, best for comprehensive inpatient/outpatient and dental services

  • HMO B – ₱75,000/illness, covers preexisting conditions

  • HMO C – ₱50,000/year, focused on preventive and outpatient care

Schools and offices must choose plans wisely, aligned with both staff needs and geographic access.


🛠️📃 Streamlined Procedures for Availment

Step 1: Admin-Personnel generates a memo listing eligible personnel
Step 2: Eligible staff submit completed Annex A forms
Step 3: The Admin Division processes the grant, either through group HMO or payroll disbursement


📥📊 Ready to Review the Official Visual Guide?

For schools conducting orientations or HR personnel who need an easy reference, we've prepared the official downloadable PowerPoint presentation based on DepEd Order No. 16, s. 2025.

🎯 Click here to download the FREE PowerPoint now!

Dictionary with Examples

📘 Dictionary with Sentence Examples

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