PhilHealth + HMO: Maximizing Your SME’s Health Investment

Don’t stop at PhilHealth—build real coverage that protects your business and your team.

As a Philippine SME, you're already contributing to PhilHealth for every employee. But are you maximizing the value of that investment?

While PhilHealth offers essential coverage for hospitalization and emergencies, it isn’t designed to cover every healthcare need. That's where pairing it with a private HMO plan—like those from Purple Cow—can transform your team’s access to care.

Why Combine PhilHealth with Private HMO Plans?

✔ PhilHealth only covers a portion of most hospital bills
✔ No outpatient services, APEs, or mental health coverage included
✔ Delays in claims or reimbursements are common
✔ Employees often avoid treatment due to out-of-pocket costs

A private HMO plan fills in the gaps, ensuring your people get complete care—and your business benefits from higher productivity and lower attrition.

What SMEs Gain from a Complementary HMO

1. Full Coverage, Fewer Surprises
With PhilHealth covering the base, Purple Cow ensures the rest is handled—room and board, diagnostics, and outpatient consults.

2. All-Risk Benefits
No need to dissect fine print. If it’s not excluded, it’s covered. Especially useful for chronic conditions or high-risk employees.

3. Seamless Coordination of Benefits
Purple Cow coordinates with PhilHealth to process claims faster and reduce financial strain on your team.

4. Preventive and Digital Access
SmilePH and Doctor Anywhere provide non-hospital services that PhilHealth simply doesn’t cover.

5. Peace of Mind = Stronger Retention
Employees feel secure knowing they won’t go into debt for getting sick—especially those with families.

Contact Purple Cow to Enhance PhilHealth’s Coverage

Let’s talk about how to make your SME’s mandatory contributions go further with a plan that’s built for modern workplace needs.