Outstaffer AI offers health insurance through two insurers: PhilCare, a Philippine HMO (health maintenance organisation) for employees who live in the Philippines, and SafetyWing Remote Health, international medical insurance for employees in every country Outstaffer AI covers. Health insurance is an optional benefit. You choose whether to add it for each employee, and it is not included in any EOR (Employer of Record) plan.
Note: In the Philippines, you choose PhilCare or SafetyWing Essential for each employee. In every other covered country, health insurance is through SafetyWing.
Which employees can have health insurance
Health insurance is available for employees Outstaffer AI employs for you on an EOR plan, in the eight countries Outstaffer AI covers: Australia, New Zealand, Singapore, the Philippines, Malaysia, Vietnam, Thailand and India.
Australian businesses on EOR Convert can also add health insurance for their employee. EOR Convert has no HR Manager, so enrolment and any changes go through a support request in the Outstaffer AI platform.
Staff you employ directly through Outstaffer HR (formerly Borderless HRIS) can have SafetyWing Remote Health. For these staff, you are the employer, not Outstaffer AI.
Health insurance through PhilCare (Philippines)
PhilCare is a Philippine HMO for employees who live in the Philippines. PhilCare is not available in any other country. PhilCare members use PhilCare's network of accredited hospitals and clinics across the Philippines.
The current PhilCare plan year runs from 1 July 2026 to 30 June 2027. PhilCare sets the benefits for each plan year and can change them at renewal. In this plan year, PhilCare covers each person up to PHP 200,000 per illness or injury, per plan year.
Who PhilCare covers: employees aged 18 to 65.
PhilCare dependents: a spouse or partner and children, or for a single employee, parents and siblings, under PhilCare's eligibility rules. A dependent can be added at any time.
Pre-existing conditions on PhilCare: covered for employees from the start. For a newly added dependent, PhilCare covers pre-existing conditions up to PHP 20,000 in the first year, then up to the full PHP 200,000 limit from the second year.
PhilCare price: the same at every age.
Health insurance through SafetyWing Remote Health
SafetyWing Remote Health is international medical insurance. SafetyWing members can see any licensed doctor or hospital, with no network to stay inside. The SafetyWing plan depends on where the employee lives.
The SafetyWing plan for each country is:
Where the employee lives | SafetyWing plan |
The Philippines (if you choose SafetyWing instead of PhilCare) | Essential |
Malaysia, Vietnam, Thailand, India | Essential |
Australia, New Zealand | Standard or Premium |
Singapore | Standard or Premium, worldwide option |
Outstaffer AI does not offer the SafetyWing Premium Plus plan.
Outstaffer AI's SafetyWing cover is on Community Plan 5.0, with a plan year from 1 October 2026. SafetyWing cover renews each year on 1 October, and a change of SafetyWing plan can only be made at renewal.
Who SafetyWing covers: new members must be under 74, and must be enrolled within 30 days of their hire date. After that, SafetyWing requires proof of insurability.
SafetyWing dependents: a spouse or partner and children who live in the same country as the employee. Parents cannot be added.
Pre-existing conditions on SafetyWing: covered unless the policy specifically excludes them.
SafetyWing price: set by the age of each covered person.
How health insurance is charged
Every covered person you pay for, the employee and each dependent, is charged two amounts each month: the insurance, and a $15 administration fee, charged in your billing currency. If your employee pays for a dependent through a monthly payroll deduction, that dependent is not on your invoice.
If the insurer changes its rates, only the insurance amount changes, and only after Outstaffer AI gives you notice under the Terms of Service. The $15 administration fee stays the same. See What Is the $15 Health Insurance Administration Fee?
Separately, a SafetyWing price is corrected if a date of birth confirmed after onboarding puts a covered person in a different age band from the one quoted. See Why a SafetyWing Health Insurance Price Can Change After Onboarding.
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.
Comparing the plans
Choosing an insurer for an employee in the Philippines: see Philippines: Choosing PhilCare or SafetyWing Essential for an Employee.
Comparing SafetyWing plans: see SafetyWing Remote Health Plans Compared (Essential, Standard and Premium).
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 health insurance, adding or removing dependents, or changing an employee's cover: contact the employee's HR Manager.
Prices, plans and the health insurance charges on your invoice: contact your Customer Success Manager.