The Government Service Insurance System (GSIS) has allocated ₱2.75 billion in emergency lending to assist over 109,000 active members and old-age and disability pensioners living in areas hit by crop pest infestations, rising dengue infections, and the El Niño dry spell.
This fund underscores GSIS’s ongoing support for communities declared under a state of calamity or public health emergency, delivering timely financial aid so families can repair homes, recover from sickness, and get their livelihoods back on track.
Application deadlines vary by location: November 13 for Capiz; November 20 for Camarines Norte, Camarines Sur, and Naga City; November 28 for Agusan del Sur and Las Nieves, Agusan del Norte; November 12 for Cavite; and November 16 for Rodriguez, Rizal. Applications remain open for other affected areas as well.
Active members working or living in declared zones may apply if they are not on leave without pay, have no pending legal or administrative cases, have paid three months of contributions within the required six-month window, are not behind on loan payments by more than six months, and keep a net take-home pay of at least ₱5,000 after deductions. Pensioners qualify if their monthly pension stays at 25% or more of their basic amount after loan repayments.
Those with an existing emergency loan balance may borrow up to ₱40,000, with any old balance deducted and up to ₱20,000 released in hand. First-time applicants may access up to ₱20,000. Loans carry a 6% annual interest rate and are repayable over three years — monthly payments at ₱655.56 for ₱20,000 and ₱1,311.11 for ₱40,000. A redemption insurance feature covers any remaining balance should the borrower pass away while payments are current.
Applications are filed through the GSIS Touch mobile app, with proceeds sent straight to the borrower’s ATM account.
