Navigating Congenital and Special Condition Coverage in Your SME Health Plan

Healthcare should work for everyone—no matter their condition or history.

When it comes to employee health benefits, not all coverage is created equal. For many SMEs, traditional plans may limit or exclude coverage for congenital or pre-existing conditions—leaving some employees underprotected and unsupported.

With Purple Cow’s all-risk coverage, your company can provide equal healthcare access for all employees, regardless of their health history. This is a game-changer for inclusivity, morale, and retention.

Why Congenital & Special Condition Coverage Matters

Conditions like asthma, congenital heart defects, epilepsy, diabetes, and autoimmune diseases often require ongoing treatment. Without proper coverage, employees may:

• Avoid seeking medical care due to out-of-pocket costs

• Struggle with absenteeism or underperformance

• Feel unsupported, increasing turnover risk

Inclusion in healthcare benefits is essential—not just ethically, but operationally.

What Is All-Risk Coverage?

All-risk coverage means everything is covered unless specifically excluded, including:

✔ Congenital conditions (present from birth)
✔ Pre-existing illnesses (diagnosed before HMO enrollment)
✔ Special procedures or chronic condition management
✔ No-fault coverage, offering protection regardless of cause

Purple Cow offers 100% coverage for these conditions up to the Maximum Benefit Limit (MBL)—ensuring peace of mind for every team member.

How SMEs Benefit from Inclusive Coverage

1. Greater Workforce Equity
No one feels left behind. Employees with lifelong or chronic conditions know they’re supported just like everyone else.

2. Improved Retention & Loyalty
When employees see that their employer invests in their long-term health, they’re more likely to stay and grow with the company.

3. Better Health Outcomes = Better Productivity
Regular, affordable access to care means fewer serious health issues and fewer sick days.

4. Positive Employer Branding
Inclusive policies build a reputation as a compassionate, people-first employer—especially important in industries like BPO, retail, and education.

Make Healthcare Inclusive for Your Whole Team

Contact Purple Cow today to provide all-risk coverage that ensures no employee is left behind due to a pre-existing or congenital condition.