To add or remove a dependent on an employee's health insurance, contact the employee's HR Manager. Each dependent you pay for is charged the insurance plus a $15 administration fee each month, charged in your billing currency. When a dependent can be added or removed depends on the insurer: PhilCare for employees in the Philippines, or SafetyWing Remote Health.
Note: If your employee pays for a dependent through a monthly payroll deduction, that dependent is not on your invoice.
How to add or remove a dependent
Contact the employee's HR Manager. Your employee can also ask their HR Manager directly.
Confirm who pays. Tell the HR Manager whether you will pay for the dependent. If you do not, your employee can choose to pay for the dependent through a monthly payroll deduction.
The HR Manager handles the request. The HR Manager collects the dependent's details and documents from your employee, sends the request to the insurer, and confirms when the dependent's cover starts or ends.
Who pays for a dependent
A dependent you pay for: charged two amounts each month, the insurance and a $15 administration fee, charged in your billing currency. Each covered person is priced and charged separately.
A dependent your employee pays for: paid by your employee through a monthly payroll deduction. The dependent is not on your invoice.
A dependent included in an employment agreement: if an employee's employment agreement includes health cover for a dependent, you pay for that dependent.
For prices, see Health Insurance Pricing (Australia and New Zealand) if you are billed in Australian dollars, or Health Insurance Pricing (US Dollars) if you are billed in US dollars.
Dependents on PhilCare (Philippines)
These PhilCare rules apply to the plan year 1 July 2026 to 30 June 2027.
Who can be a PhilCare dependent: for a married employee, their spouse and children; for a single employee, their parents and siblings; for a single parent, their children, then their parents. Parents can be covered only if neither parent works for money. A common-law or domestic partner can be covered, subject to PhilCare's conditions. Children and siblings must be aged 15 days to 21 years, unmarried, not working or earning an income, and fully dependent on the employee. Spouses, partners and parents must be 65 or under.
When a PhilCare dependent can be added: at any time.
Newborns on PhilCare: a baby can be covered from 15 days old. Add the baby as soon as possible after the birth.
When PhilCare cover starts for a dependent: when PhilCare approves the enrolment. Dependents must be in good health when their cover starts.
Pre-existing conditions for a new PhilCare dependent: covered up to PHP 20,000 in the first year, then up to the full PHP 200,000 limit from the second year.
Removing a PhilCare dependent: a removal cannot be backdated, and a dependent who is removed cannot be added back in the same plan year.
Dependents on SafetyWing Remote Health
These SafetyWing rules apply under Community Plan 5.0, with a plan year from 1 October 2026.
Who can be a SafetyWing dependent: the employee's spouse or domestic partner, and their biological, adopted or stepchildren, or children under 18 in their legal guardianship by court order. Children are covered until the day before they turn 19 if they are single, or until the day before they turn 24 if they are single and studying full time at an accredited college or university when the plan starts or renews. Dependents must live in the same country as the employee and are on the same plan. Parents cannot be added.
When a SafetyWing dependent can be added: when the employee joins, within 30 days of their start date; during open enrolment before the renewal on 1 October; or after a qualifying life event, such as a marriage or a new baby. The HR Manager confirms the open enrolment deadline each year.
Newborns on SafetyWing: SafetyWing must receive a copy of the birth certificate within 90 days of the birth. After 90 days, a full application is needed.
Removing a SafetyWing dependent: a SafetyWing dependent can be removed only at renewal. Tell the HR Manager before the open enrolment deadline, and the dependent is removed when the plan renews on 1 October.
Divorce, separation and older children on SafetyWing: after a divorce or separation, tell the HR Manager straight away, because SafetyWing must be told within 30 days. SafetyWing keeps the spouse or partner covered until the end of the plan year. A child who marries or stops full-time study stays covered until the end of the plan year.
Who to contact
This article is general information, not the full terms. For the full terms of PhilCare cover, ask the employee's HR Manager. SafetyWing terms are in the SafetyWing Remote Health policy documents: Essential, Standard and Premium.
Adding or removing a dependent, or a dependent's cover: contact the employee's HR Manager.
The charge for a dependent on your invoice: contact your Customer Success Manager.
Guides for your employee: Philippines: How to Add or Remove a Dependent on PhilCare and SafetyWing Remote Health: Adding or Removing a Dependent.