Home GUIDE: GSIS (How to Loan, Membership, Requirements, and more!)

GUIDE: GSIS (How to Loan, Membership, Requirements, and more!)

guide gsis how to loan membership requirements and more

Estimated reading time: 7 minutes

In this comprehensive guide, we delve into the realm of GSIS, including the ways on how to loan in GSIS, how to apply in GSIS, its membership and requirements. We will also explore how to apply, how to get a GSIS ID, check your UMID card online, and more, to empower individuals with the knowledge needed to utilize their GSIS benefits effectively. 

What is GSIS?

Delving into the realm of government service comes with its perks and responsibilities. As such, one essential aspect is understanding the Government Service Insurance System (GSIS). Ultimately, the GSIS stands as a stalwart pillar of social insurance in the Philippines. At its core, GSIS offers a defined benefit scheme, safeguarding its members against various life contingencies in return for their steadfast monthly premium contributions.

How to Loan in GSIS

(GSIS) provides loans in addition to retirement benefits for public employees. However, each type of GSIS loan has its own specific qualifications and intended purposes:

Type of GSIS LoansPurposeLoanable Amounts
Enhanced Consolidated Salary Loan (ConsoLoan) PlusConsolidation of the following salary loans:Salary Loan;Restructured Salary Loan; Enhanced Salary Loan;Emergency Loan Assistance; andSummer One-Month Salary.Minimum of Php15,000.00
Policy LoanThis is a loan facility available through your GSIS life insurance policy, whether it is a Life Endowment Policy (LEP) or an Enhanced Life Policy (ELP).Life Endowment Policy (LEP) offers 70% of the accumulated termination value of your policy. Meanwhile,Enhanced Life Policy (ELP) offers 50% of your cash value
Enhanced Emergency Loan,To support members during natural disasters. Active members in government-declared calamity areas can access this loan facility, which is activated in regions under a state of calamity by the Office of the President.New Emergency Loan accounts can borrow Php20,000, while existing accounts affected by another calamity can borrow Php40,000.
Pension LoanTo old-age pensioners under RA 660, PD 1146, or RA 8291 who have no outstanding service loans.Age 60-64: Up to 6 times your Basic Monthly Pension (BMP), max Php100,000Age 65-69: Up to 4 times your BMP, max Php60,000Age 70+: Up to 2 times your BMP, max Php20,000
Pensioners Emergency LoanTo pensioners residing in areas that were declared under a state of calamity by the government.Age 60-64: Up to 6 times your Basic Monthly Pension (BMP), max Php100,000
Age 65-69: Up to 4 times your BMP, max Php60,000
Age 70+: Up to 2 times your BMP, max Php20,000

Moreover, understanding the intricacies of how to loan in GSIS begins with the application:

A Step-by-Step Guide

  1. You may apply for a loan using your GSIS Unified Multipurpose Identification

(UMID) card through the GSIS Wireless Automated Processing System (GWAPS) kiosks located in:

  • All 42 GSIS branch offices
  • 14 extension offices
  • 58 service desks
  • Provincial capitols City halls
  • Municipal offices
  • Large government agencies 27 Robinsons Malls Selected SM Supermalls

2.  If you don’t have a UMID card, you can also apply for your loan in person at any GSIS office.

3. Following your loan application, your authorized agency officer (AAO) must verify your active service status through the AAO Secured On-Line Loan Certification Module.

4. (AAO) is also responsible for confirming that you have no outstanding criminal or administrative cases before processing your application.

5. The funds from your loan are deposited directly into your eCard or UMID card account.

How can I check my GSIS UMID card online

Asking “how can I check my GSIS UMID card online” is crucial, especially that it’s used in loan transactions.

Ultimately, the UMID card serves as the official identification for individuals affiliated with the GSIS and the Social Security System (SSS) in the Philippines. It functions as a unified ID for conducting government-related transactions and accessing services.

Regarding the matter on how you can check your GSIS UMID card online, you may  Simply text 4747 and get instant information about your membership, loans, retirement, and many more. Open to all Globe, Smart, Touch Mobile, and Talk ‘N Text subscribers.

How to get GSIS ID

So, how do you claim your UMID card, or simply put, how to get a GSIS ID?

Visit your GSIS Handling Branch to register for your GSIS UMID Card. Await an SMS notification from GSIS indicating when to collect your card. Prepare two valid government-issued IDs for card retrieval.

For card pickup:

Active Members: Must appear in person and present IDs.

Pensioners: Can appear in person or delegate an Authorized Representative, who must provide:

  • A duly signed Authorization Letter OR a notarized Special Power of Attorney (SPA).
  • A photo or print-out of the pensioner holding the Authorization Letter or SPA.
  • Photocopies of the pensioner’s two valid government-issued IDs and their originals.
  • Photocopies of the authorized representative’s two valid government-issued IDs and their originals.

How to get GSIS Number?

On how to get a GSIS number, the following are the steps you can take (note that GSIS number and BP number are the same):

  1. Request from Agency Authorized Officer (AAO): Your office’s AAO can provide you with your BP number.
  2. Electronic Remittance File (ERF) Handler: You can also get your BP number from the person handling your office’s ERF.
  3. Members Assistance Unit at GSIS: Visit the nearest GSIS office and approach the Members Assistance Unit to request your BP number.

Where can I find my GSIS ID Number

Meanwhile, your GSIS ID number is the 11-digit number located below your name in your GSIS UMID Plus. Basically, to answer “where can I find my GSIS ID Number?”, just check on your GSIS UMID card.

How to Apply for GSIS

Perhaps the most essential query of them all is: how to apply in GSIS? Well, ask no more! The following will tackle not just how to apply for GSIS and how to apply for GSIS membership, but also, how to apply for GSIS membership online.

How to Apply for GSIS membership

All government employees receiving compensation must join GSIS until they reach the retirement age, except members of the Armed Forces, the Philippine National Police, and contractual workers without an employer-employee relationship.

Basically, one must obtain a filled-out Membership Information Sheet (two copies) and submit it to the nearest GSIS Office.

Moreover, below are the necessary documents to submit upon application.

  • Birth Certificate
  • Marriage Contract
  • Copy of Appointment/Plantilla/Contract of Services 
  • Payslip/Cert. of Premium payment

How to Apply for GSIS Membership Online

Applying a GSIS membership online means registering in eGSISMO. Here’s how:

  1. Go to egsismo.gsis.gov.ph
  2. Click “Sign Up.”
  3. Enter your BP Number and Date of Birth, then click “Confirm.”
  4. Select two security questions and provide answers.
  5. Ensure the displayed email address is correct and valid, as GSIS will send eGSISMO information, including a default password, to that address. (If the email is incorrect or invalid, follow the instructions for changing email addresses in Question No. 7.)
  6. Click “Confirm” if everything is correct. (Click “Reset” to change your security question answers.)
  7. A message will appear: “You have successfully registered in eGSISMO! Your password has been sent to your email address. Please check your email to activate your account.” Click “OK.”

Final Thoughts

By understanding the processes and requirements outlined in this guide, you can effectively navigate the Government Service Insurance System (GSIS) and fully utilize its benefits. Whether you are applying for a loan, checking your UMID card status, or registering for membership, these steps will help you manage your GSIS interactions with confidence. Stay informed and take advantage of the social insurance protections GSIS offers to enhance your financial security and well-being.

Sources: (1), (2), (3), (4)

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