PHILINSURE SME
Let us do the work of protecting your most
valuale assets and people for you.
Who We Are
In the benefits space, Philinsure remains an expert partner in developing employee benefits strategies that effectively maximize employee engagement and satisfaction.
You give jobs to Filipinos comprising close to 70% of all business establishments in the country while supporting roughly a third of the nation’s GDP. We make sure you can continue to go the extra mile and secure a better economy by going the extra mile ourselves for you.
Philinsure SME assists MSMEs defined as follows:
- Micro enterprises: 1-9 employees
- Small enterprises: 10-99 employees
- Medium: 100-199 employees
With Philinsure SME, you have access to finance, technology, and talent to help you stay competitive in your market or help you level up to the next market tier.
Through our health packages, your human capital is protected because they have cashless access to the following
- In-patient care
- Out-patient care
- Dental care
- Emergency care
- Preventive care
- Financial assistance
What You Can Have
Talent
Ensuring your talent continues to grow with you is our number 1 priority. The benefits we define help attract and retain your most valuable employees to help you keep your distinct advantage. Your talent also has access to our advisers for wellness, their benefits packages, and other related queries they may have via sme@phlinsure.com or SMS to +639175504545.
Technology
Ease of transactions are foremost for an MSME business owner. Our enrolment, claims, invoicing, and payment processes make it easy for you to manage your transactions day-to-day. Cashless transactions for access to medical support ensures ease of extending healthcare to your people when they most need it.
Finance
Move towards limitless possibilities by optimizing your financial resources through benefits that work for your bottomline. Our packages range from as low as Php7,556.65 for annual health coverage for your talent pool.
7 Tips for Choosing the Right HMO for Your SME
For any small or medium-sized enterprise (SME) in the Philippines, employee health is paramount. A healthy workforce translates to increased productivity, lower absenteeism, and a more positive company culture.
But with rising healthcare costs, providing quality health benefits can be a significant financial burden. This is where Health Maintenance Organizations (HMOs) specifically designed for SMEs come in.
What is an HMO?
An HMO is a healthcare system that provides comprehensive medical coverage for a fixed monthly premium. Members have access to a network of accredited hospitals, clinics, and doctors within the HMO’s network. Preventive care, consultations, and certain treatments are typically covered, depending on the chosen plan.
Why Choose an SME-specific HMO?
HMOs designed for SMEs cater to the specific needs of smaller businesses. These plans often offer:
- Competitive rates: Tailored to the budget constraints of SMEs.
- Flexible coverage options: Different plan tiers to fit diverse employee needs.
- Focus on preventive care: Encourages early detection of health issues.
- Streamlined claims process: Fast and hassle-free claim procedures.
Now, let’s explore how to choose the right SME-specific HMO for your business:
1. Understand Your Employee Needs:
The first step is to get a clear picture of your employees’ healthcare needs. Consider factors like age demographics, prevalent health concerns, and desired coverage levels. You can gather information through surveys or informal discussions.
2. Compare Plan Options:
Most HMOs offer a variety of plan tiers with varying coverage levels and premiums. Analyze the benefits offered by each tier, such as:
- Inpatient and outpatient care coverage
- Specialist consultations
- Laboratory tests and diagnostic procedures
- Maternity care
- Dental and vision coverage
3. Network of Providers:
Ensure the HMO’s network includes hospitals and clinics conveniently located for your employees. Accessibility is crucial for encouraging healthcare utilization. Research the reputation and expertise of the doctors and specialists within the network.
4. Claims Process Efficiency:
Look for HMOs with a streamlined claims process. Online claim filing, quick turnaround times, and clear communication regarding claim status are valuable features. This will minimize administrative burden for your HR team.
5. Customer Service:
Excellent customer service is essential for any health insurance provider. Choose an HMO with a dedicated team to address your questions and concerns promptly and efficiently.
6. Wellness Programs:
Some HMOs offer additional benefits like wellness programs or health education initiatives. These can promote employee well-being and potentially lead to lower healthcare costs in the long run.
7. Reputation and Credibility:
Research the HMO’s reputation in the market. Look for positive reviews from other businesses and consider the company’s track record in claims settlement and member satisfaction.
Choosing the right HMO for your SME is an investment in your employees’ well-being and your company’s future.
