Simplifying Healthcare for SMEs with Insider Tips
Explore how to get the most out of your Purple Cow health plan.
Unlock Exclusive Insights into Our Health Plans
Discover how we serve the unserved and underserved, offering inclusive eligibility, comprehensive benefits, transparent costs, and flexible access options.
Eligibility
Inclusive Coverage for All Employees
Our member eligibility is inclusive, ensuring that all your employees can benefit from our health plans.
No Discrimination: We welcome all employees, regardless of their medical history.
Comprehensive Access: Extend coverage to staff who may have been excluded elsewhere.
Empower Your Team: Provide peace of mind to your entire workforce.
Benefits
All-Risk Medical Benefits
Our health plans are designed with an all-risk approach—whatever is not excluded is included.
Comprehensive Coverage: Enjoy a wide range of medical benefits without hidden gaps.
Peace of Mind: Rest assured knowing that unexpected medical needs are covered.
Simple and Clear: Understand your coverage without complex terms.
Exclusions
Transparency with Minimal Exclusions
We keep exclusions to a minimum, ensuring you get the most out of your plan.
Optional BRO: Access luxury benefits without the need for medical necessity, up to 10% of MBL.
Clarity in Coverage: Know exactly what's not covered to avoid surprises.
Flexible Options: Customize your plan with optional benefits.
Costs
Simple and Fair Pricing
Purple Cow Premium offers a one-size-fits-all rate, costing the same for employees and dependents.
Equal Pricing: No variations in premiums between employees and their dependents.
Budget-Friendly: Simplify budgeting with predictable costs.
Value for Money: Receive extensive benefits at a fair price.
Dual Access
Two Convenient Ways to Avail Services
We offer flexibility in how you access healthcare services:
No Cash Out
With Letter of Guarantee
Accredited Providers: Visit accredited doctors, hospitals, and clinics without any cash outlay.
Seamless Experience: Receive services by presenting a LOG for hassle-free access.
Reimbursement
As Charged, Up to MBL
Non-Accredited Providers: Choose any doctor, hospital, or clinic and get reimbursed up to your Maximum Benefit Limit.
Flexibility: Access healthcare services even outside our network.
Benefits on Top of PhilHealth
Maximize Your Total Benefits
Etiqa benefits are provided on top of PhilHealth benefits—not integrated or inclusive of them.
On Top of PhilHealth
Computation:
Your Total Benefits = MBL + PhilHealth
Greater Coverage: Enjoy enhanced benefits by combining Etiqa and PhilHealth coverage.
Inclusive of PhilHealth
Computation:
Your Total Benefits = MBL – PhilHealth
Optimized Support: Receive more financial assistance for your medical needs.
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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