Your HMO (Health Maintenance Organization) is your health coverage in the Philippines. It pays for things like doctor visits, hospital stays, and emergency care up to a set limit each year. You're the main member (the "principal"), and depending on your situation you may be able to add family members as your dependents.
Every dependent enrolment is subject to the health insurance provider's evaluation and approval, based on their current and future policies and regulations, including their hierarchy of enrolment. Some dependents are also charged at a different payroll deduction rate.
Eligibility
Who | Eligibility requirements |
You (principal employee) | All employees upon hire who are at least 18 years old to less than 65 years old as of the effective date. When your age exceeds the maximum permissible age, your coverage continues until the expiry date. |
If you're married | Start with your legal spouse, who must be less than 65 years old. Then your children (eldest down to youngest), 15 days to less than 21 years old, unmarried and not gainfully employed. Extended dependent: your parents may be enrolled at a different payroll deduction rate — parents up to 65 must not be gainfully employed, and overaged parents (66 to 70) are enrolled at a different rate. |
If you're single or unmarried | Your parents, who must be less than 65 years old (overaged parents 66 to 70 at a different rate). Your siblings (eldest down to youngest), 15 days to less than 21 years old, unmarried and not gainfully employed. Only full-blooded siblings can be enrolled — step-siblings are not eligible. |
If you're a single parent | Your children (eldest down to youngest), 15 days to less than 21 years old, unmarried and not gainfully employed. Your parents, who must be less than 65 years old and not gainfully employed (overaged parents 66 to 70 at a different rate). |
If you have a domestic partner | An unmarried domestic partner, common-law partner, or same-gender domestic partner, at least 18 to less than 65 years old. They may be enrolled subject to the submission of a CENOMAR (Certificate of No Marriage Record) and Affidavit of Cohabitation, as endorsed by authorized HR personnel. Both partners must be single, not legally married, and not the domestic partner of anyone else. Deletion or replacement of a partner is not allowed in the middle of the contract year. |
Good to know
Your coverage starts on your effective date, so your age has to qualify on that date.
The information above is subject to change with the yearly renewal of the HMO policy.
Every dependent enrolment is subject to the provider's review and approval, including their hierarchy of enrolment, so adding a dependent is a request, not an automatic guarantee.
Some dependents cost more. Parents added by a married employee, and overaged parents (66 to 70), are charged at a different payroll deduction rate.
For siblings, only full-blooded siblings under 21 at enrolment can be added — step-siblings are not eligible.
If you or a dependent are close to or over an age limit, or your family situation changes, contact the Outstaffer team so your enrolment stays correct.