Ay alam ko yan, stressful talaga pag first time magbayad ng PhilHealth hehe! Based sa understanding ko, kailangan mo ng at least 3 months of contributions para ma-cover ang pregnancy and delivery benefits, kaya since October lang ang simula mo, dapat sigurado ka ng contributions by December para ready ka na sa January delivery mo. Pero honestly, one of my mum friends nag-worry din dito so best talaga na i-check mo mismo sa PhilHealth office or website nila para sa exact requirements since bawat case pwedeng slightly different, and mas peace of mind ka rin if direkta mo silang i-confirm!