[Philippines] HMO Eligibility and Enrolment Guidelines

Principal Employees - All employees upon hire who are at least 18
years old to less than 65 years old as of the effective date.

• When the Member's age exceeds the maximum permissible age, coverage will continue until the expiry date.

Married Principal Employees

• Start with a legal spouse less than 65 years old.
• Followed by children (eldest child, down to the youngest), 15 days to less than 21 years old, unmarried, and not gainfully employed.
• Extended Dependent - Parents of married employees should be less than 65 years old and not gainfully employed.
•  

Single / Unmarried Principal Employees

• Parents who are less than 65 years old.
• Siblings (eldest down to the youngest), 15 days to less than 21 years old, unmarried and not gainfully employed.
•  

Single Parent Principal Employees

• Children (eldest down to the youngest), 15 days to less than 21 years old, unmarried, and not gainfully employed.
• Parents who are less than 65 years old and not gainfully employed.
•  

Unmarried Domestic Partner/Common-law partner and same-gender domestic partner less than 65 years old.

Guidelines:

• Common-law and Same-gender Domestic Partner may be enrolled as a dependent, subject to submission of proof of coverage and CENOMAR and/or Affidavit of Cohabitation, as endorsed by the Authorized HR personnel. Deletion/replacement of partner shall not be allowed in the middle of the contract year.
  ✓ Common-law and Same-gender Domestic Partner dependents
  must be at least 18 years to less than 65 years old.
  ✓ Both partners should be single, not legally married, or the
  domestic partner of anyone else.
  ✓ The enrolment of the dependent partner must be duly endorsed by HR.

• Principal Employees - up to Maximum Benefit Limit (MBL)
• Existing Dependents - 2nd year: up to Maximum Benefit Limit (continuously covered for at least 12 months)
• New Dependents - up to PHP 10,000.00