Beyond PhilHealth: How SMEs Can Maximize Health Investments for Better ROI

Investing beyond PhilHealth ensures your employees get the care they truly need—without financial stress.

PhilHealth provides a foundation for healthcare in the Philippines, but for SMEs looking to fully protect their employees and maximize their investment, supplementary health benefits are essential. By enhancing PhilHealth coverage with an HMO plan, SMEs can ensure employees receive comprehensive care while improving productivity, retention, and long-term cost savings.

Why PhilHealth Alone Isn’t Enough

While PhilHealth offers essential coverage, it has limitations:

• Partial Coverage for Hospital Bills – Employees may still face high out-of-pocket expenses.

• Limited Outpatient Benefits – Routine check-ups, diagnostic tests, and preventive care are often not fully covered.

• Gaps in Specialized Treatments – Access to specialists, dental care, and mental health support is limited or unavailable.

How SMEs Can Maximize Their Health Investment

1. Supplement PhilHealth with an HMO Plan
   A well-structured HMO plan, like those offered by Purple Cow, covers hospitalizations, outpatient services, and preventive care, filling the gaps in PhilHealth’s basic coverage.

2. Include Preventive Care and APEs
   Annual Physical Exams (APEs) and wellness screenings help detect potential health issues early, reducing long-term treatment costs.

3. Provide Mental Health and Wellness Benefits
   Stress and mental health issues affect workplace performance. Adding mental health support, including access to counseling, can improve employee morale and productivity.

4. Offer Flexible and Inclusive Coverage
   Ensure that employees with pre-existing and congenital conditions are covered, along with access to out-of-network reimbursements for flexibility in healthcare choices.

5. Enhance Employee Productivity and Retention
   When employees feel secure in their health coverage, they are less likely to take extended sick leaves or look for jobs with better benefits.

The Business Case for Expanding Health Coverage

SMEs that invest in enhanced health benefits report:

✅ Lower Absenteeism – Employees take fewer sick days when they have better healthcare access.
✅ Higher Employee Satisfaction – A strong health plan fosters loyalty and engagement.
✅ Better Cost Management – Preventive care reduces the risk of high hospitalization costs in the long run.

Enhance PhilHealth with Comprehensive SME Coverage

Contact Purple Cow today to explore supplementary health benefits that protect your workforce while maximizing your SME’s health investment.