You can add health insurance for an employee when you hire them through Outstaffer AI, or later through the employee's HR Manager. The enrolment window and the date cover starts depend on the insurer: PhilCare for employees in the Philippines, or SafetyWing Remote Health.
Important: SafetyWing cover must be set up within 30 days of the employee's hire date. After that, SafetyWing requires proof of insurability and can change the terms of cover.
Add health insurance when you hire
When you add an EOR (Employer of Record) employee in the Outstaffer AI platform, you choose the employee's health insurance in the offer you send. The employee's HR Manager then arranges enrolment with the insurer during onboarding.
Add cover after the employee starts
To add health insurance for an employee who has already started, contact the employee's HR Manager. The insurer's rules on late enrolment apply, as set out below.
Enrolment and start dates for PhilCare (Philippines)
PhilCare covers employees in the Philippines aged 18 to 65. Under the PhilCare plan for 1 July 2026 to 30 June 2027, an employee is eligible for PhilCare cover from hire.
PhilCare dependents can be added at any time. See Adding or Removing an Employee's Dependents on Health Insurance.
SafetyWing enrolment and start dates
These SafetyWing rules apply under Community Plan 5.0, with a plan year from 1 October 2026.
SafetyWing enrolment window: SafetyWing enrolment is open to a new member in the first 30 days from their hire date. After 30 days, a new member can be added only with satisfactory proof of insurability, and SafetyWing can ask for more information, apply a medical evaluation or a waiting period, or change the conditions of cover.
When SafetyWing cover starts: a new member's SafetyWing cover starts on the 1st or the 15th of a month.
SafetyWing activation: SafetyWing sends your employee an email invitation. Your employee needs to accept it and activate their plan.
SafetyWing price and age: SafetyWing is priced by each covered person's age band. If a date of birth confirmed when the employee onboards puts someone in a different age band from the one quoted, the price is corrected from the start of cover. See Why a SafetyWing Health Insurance Price Can Change After Onboarding.
SafetyWing dependents: add them when the employee joins, if you can. Later additions are limited. See Adding or Removing an Employee's Dependents on Health Insurance.
Changing an employee's plan
SafetyWing plan changes: under Community Plan 5.0, a change of SafetyWing plan, such as Standard to Premium, can only be made at the renewal on 1 October. SafetyWing does not allow mid-year plan changes, even if no claims have been made. As a general rule, a change that improves benefits brings a waiting period for the new benefits.
Ending SafetyWing cover mid-year: SafetyWing does not allow cover to be cancelled mid-year unless a qualifying life event applies, such as a change of employment.
PhilCare plan: PhilCare has one plan for employees in the Philippines, so there is no PhilCare plan to change.
To move a Philippines employee between PhilCare and SafetyWing Essential, contact their HR Manager, who confirms when the change can take effect.
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 or changing an employee's cover: contact the employee's HR Manager.
The price of a plan, or a change to your invoice: contact your Customer Success Manager.