Health Coverage for SMEs in the Food & Beverage Industry

Your people’s health is your brand’s best ingredient.

Behind every perfect brew, plated meal, or well-timed order is a hardworking team that keeps the food and beverage industry running smoothly. But unlike office-based jobs, F&B work is fast-paced, physically demanding, and hygiene-critical—which makes health protection a top business priority.

For Philippine SMEs in cafés, restaurants, and catering, the key to a resilient operation lies in keeping employees healthy, supported, and confident to serve.

Why Health Coverage Matters in the F&B Sector

✔ Employees often work on rotating or extended shifts
✔ Exposure to heat, sharp tools, and repetitive motion increases risk of minor injuries
✔ Hygiene compliance is essential—illnesses can affect business reputation
✔ Seasonal staff and high turnover make continuity of coverage challenging

Investing in a strong health plan isn’t just about compliance—it’s about protecting people, customers, and brand reputation.

Common Health Risks for F&B Employees

1. Physical Strain
Cooks, servers, and baristas stand for long hours and perform repetitive movements, leading to back pain and fatigue. Outpatient coverage helps manage these early.

2. Burns and Cuts
Accidental burns, knife injuries, and slips are common in kitchens. Quick access to accredited clinics prevents complications and downtime.

3. Heat and Dehydration
Kitchen workers and delivery staff are prone to dehydration, especially during the dry season. Hydration campaigns and APEs help monitor vital signs and prevent heat stress.

4. Hygiene-Related Illnesses
Gastrointestinal infections or foodborne illnesses can spread quickly in the workplace. Regular check-ups and access to clinics support preventive care.

5. Mental and Emotional Stress
The pressure of peak hours and customer service demands can take a toll. Digital access to Doctor Anywhere’s mental health experts offers an outlet for support.

How Purple Cow Helps F&B SMEs

Purple Cow’s partnership with Etiqa ensures comprehensive, all-risk coverage that fits the unique needs of F&B businesses.

✅ Cashless access to accredited clinics and hospitals
✅ Flexible coverage for contractual or seasonal staff
✅ Preventive services like Annual Physical Exams (APE)
✅ Optional add-ons: dental benefits and mental health sessions
✅ 24/7 nationwide coverage—even for delivery teams on the road

Create Industry-Specific Solutions with Purple Cow

Talk to Purple Cow today about health coverage designed for F&B SMEs—protecting every chef, server, and barista who brings your brand to life.