August 15, 2023

Government Service Insurance System (GSIS)

The Government Service Insurance System or GSIS (Filipino: Paseguruhan ng mga Naglilingkod sa Pamahalaan) is a government owned and controlled corporation (GOCC) of the Philippines. Created by Commonwealth Act No. 186 passed on November 14, 1936, the GSIS provides and administers the following social security benefits for government employees: compulsory life insurance, optional life insurance, retirement benefits, disability benefits for work-related risks and death benefits. In addition, the GSIS is entrusted with the administration of the General Insurance Fund by virtue of RA656 of the Property Insurance Law. It provides insurance coverage to assets and properties which have government insurable interests.


The GSIS covers all government workers regardless of their employment status, except employees who have separate retirement schemes under special laws, including, members of the Judiciary and Constitutional Commissions, contractual employees who have no employee-employer relationship with their agencies, uniformed members of the Armed Forces of the Philippines, and the Philippine National Police, including the Bureau of Jail Management and Penology, and the Bureau of Fire Protection.

Benefits and Services

MEMBERS and pensioners of the Government Service Insurance System can now apply for a housing loan through the Home Development Mutual Fund or Pag-Ibig. The principal benefit package of the GSIS consists of compulsory and optional life insurance, retirement, separation and employee’s compensation.

Active GSIS members are entitled to the following loan privileges: salary, policy, emergency and housing loans (through Pag-IBIG).

Conso -Loans

Regular loans aren’t the only services the GSIS provides to their members. They have a product called Conso-Loans which helps members restore their status as a member and lower their amortization, especially if they are experiencing difficulty in paying their loans and have incurred arrears, penalties, and surcharges. Although this benefit can only be applied within the first availment of the Conso-Loan

What is a GSIS Conso-Loans

If you have outstanding or delinquent loans in the past that affects your status as a member and your capacity to apply for a loan, the Conso-Loan is a consolidation of five different loan products into one—Salary Loan, Restructured Salary Loan, Enhanced Salary Loan, Emergency Loan Assistance, and Summer One-Month Salary Loan that automatically fully settle your obligations from these loans.

What is the difference between a regular loan and a Conso-Loan?

A Regular loan is acquired for paying any kind of transaction a borrower needs it fit, may it be for personal consumption or any other transaction outside the GSIS. A Conso-Loan will be specifically used for any previous borrowing such as those mentioned above to fix any negative effects on your borrowing capacity with a member government organization.

Who can avail of the GSIS Conso-Loan?

Active members with no pending administrative or criminal case are qualified to apply for the loan, provided their agency remitted at least 3 correct monthly premium payments (both personal and government share) within the last 6 months prior to the filing of the application.

  • Must not be on leave of absence without pay.
  • Members’ net take-home pay should be sufficient to cover the regular monthly amortization.
  • Members from suspended agencies are not qualified to avail of the Conso-Loan.

How can members apply for a Conso-Loan?

Members with a GSIS eCard Plus can apply for the Conso-Loan via the GSIS Wireless Automated Processing System or G-W@PS kiosk placed in all GSIS servicing offices and select government agencies. Those still using the old eCard can apply for the loan, over-the-counter, in their servicing GSIS offices.

To apply for a Conso-Loan loan using the kiosk, members need to first place their eCard Plus on the card reader of the kiosk, then, they need to place any of their pre-selected fingers on the fingerprint biometric scanner of the kiosk. Using the touch screen monitor of the G-W@PS, members must select “Consolidated Loan” from the list of loans available on the loan menu and follow the simple instructions that will be displayed on the screen to complete the transaction. Then you will be updated if your loan has been granted or not.

GSIS eCard Plus

GSIS has made availing of their services easy and accessible for their members by introducing the GSIS eCard Plus. It serve as an Identification card that GSIS members can use as a disbursement card, ATM Card, VISA debit card, hospitalization discount card, medicine discount card, and tuition discount card to name a few.

How to enroll for an eCard Plus

  1. Bring two valid IDs (examples: company ID, LTO license, PRC license, passport, voter’s registration ID) to the nearest GSIS office nearest you
  2. Accomplish an eCard enrollment form and submit it to the GSIS personnel assigned in the eCard  enrollment area
  3. In a few weeks, you can either get your eCard from the GSIS office where you applied or through snail mail

For PENSIONERS ABROAD, here are the steps on how to enroll for your eCard:

Through the use of Skype, web-based software that allows users to make telephone calls over the Internet free of charge, pensioners abroad can enroll in the eCard.
To enroll in the eCard using Skype as a pensioner, you must have the following:

  • a personal computer (either desktop or laptop),
  • a webcam, headset with microphone or PC speakers
  • a separate PC microphone, broadband internet connection
  • a well-lit and quiet area where the PC is placed
  • a passport and two more valid IDs

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