The Better HMO Plans for SMEs
Purple Cow simplifies health insurance for SMEs in the Philippines by offering comprehensive plans with exclusive benefits tailored to your unique needs—providing exceptional support for you and your employees.
Standard Features & Benefits
Experience all the essential benefits you'd expect from a top-tier health plan
Cashless Access to Our Network
Access medical services without any out-of-pocket expenses at our accredited hospitals and clinics.
24/7 Nationwide Coverage
24/7 healthcare services anywhere in the Philippines, w/ global emergency coverage.
Comprehensive Medical Benefits
Experience comprehensive inpatient, outpatient, and emergency medical care tailored to your needs.
Room & Board Accommodation
Benefit from comfortable room and board options, with maximum benefit limits per illness per year.
Our HMO's Competitive Advantages
With Etiqa as our insurance partner, you gain access to benefits that go beyond the usual health plan offerings
Access to Premier Hospitals
Enjoy cashless services at the Big 9 Hospitals and Healthway Clinics for top-quality care.
Out-of-Network Reimbursements
Receive reimbursements for non-emergency treatments even when visiting non-accredited medical providers.
Benefits Beyond PhilHealth
Get supplemental coverage that complements and extends your PhilHealth benefits.
Digital Healthcare Access
Utilize online and mobile platforms for convenient access to healthcare services and information.
Purple Cow's Unique Advantages for SMEs
We offer unparalleled benefits designed specifically for SMEs
100% COVERAGE
Pre-Existing Conditions
Get full coverage for pre-existing conditions up to your Maximum Benefit Limit (MBL).
100% COVERAGE
Congenital Conditions
Receive complete coverage for congenital conditions, ensuring peace of mind.
100% COVERAGE
Special Procedures
Access full benefits for special medical procedures without additional costs.
100% COVERAGE
No-Fault Coverage
Benefit from coverage regardless of circumstances, up to your Maximum Benefit Limit (MBL).
Enhance Your Plan with Optional Benefits
Tailor your healthcare package with these options
Optional Add-Ons
Dental HMO Services
Access ten dental benefits through our nationwide network of Dental HMO clinics.
Annual Physical Exams
Provide your team with basic five or seven-procedure physical exams at APE-accredited clinics across the country.
Life & Accident Insurance
Secure additional life and accident coverage as a multiple of your MBL, valid worldwide.
Flexible Optional Terms
Reimbursement for Additional Exclusions
Receive reimbursements for seven existing exclusions, up to 10% of your MBL.
Annual Benefit Limit
Set an aggregate limit for all disabilities—whether due to sickness or accident—per year.
PhilHealth Independence
If not enrolled in PhilHealth, Etiqa covers PhilHealth's share of the bill, ensuring uninterrupted coverage.
Trusted by Leading SMEs
Join the growing list of businesses benefiting from Purple Cow's healthcare solutions
TESTIMONIALS
Why Businesses Choose Purple Cow
Hear directly from SMEs who have partnered with us for better healthcare
"After talking to all 15 (HMOs), we realized PurpleCow was actually the best that fits all our requirements, without any BS!"
Solon Chen
Kooapps Philippines
"We're a startup so we always watch the bottom line... Through PurpleCow, we're able to get the best rates possible."
Eric Tomacruz
Ideawell & Findshare
"It's not the least expensive in the industry, but it optimizes all the benefits you're looking for in a proper healthcare plan."
Janet N. Ng
Bridges-PH
READY TO GIVE US A TRY?
Take the Next Step Towards Better Healthcare
Empower your business and care for your team with Purple Cow's exceptional healthcare solutions
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