An employee's health insurance ends when their employment with Outstaffer AI ends. Cover for their dependents ends at the same time, whether you or your employee pays for them. This applies to PhilCare in the Philippines and to SafetyWing Remote Health.
Important: When an employee leaves part way through a month, health insurance is paid in full for that month. There is no pro-rata refund or credit for that month.
Billing in the leaving month
When an employee leaves part way through a month, whether they resign or their employment is terminated, health insurance, like the EOR plan and equipment, has no pro-rata refund or credit: it is paid in full for that month. Subscriptions terminate at the end of that month, with no subscription billing in the next month. See My Employee Was Terminated Mid-Month: Am I Getting a Refund?
For example, if the employee's last working day is the 2nd, you pay health insurance for the whole of that month.
What you need to do
When you request the employee's offboarding, the employee's HR Manager ends their health insurance, and their dependents' cover, as part of offboarding. Request offboarding as early as you can.
PhilCare cover when an employee leaves (Philippines)
When PhilCare cover ends: under the PhilCare plan for 1 July 2026 to 30 June 2027, an employee's PhilCare cover ends on the date they leave voluntarily, are dismissed or retire, or otherwise stop active work.
PhilCare dependents: cover for the employee's PhilCare dependents ends when the employee's cover ends.
After PhilCare cover ends: PhilCare does not cover care received after the cover end date.
SafetyWing cover when an employee leaves
When SafetyWing cover ends: when an employee leaves, Outstaffer AI cancels their SafetyWing cover from their termination date. Once the employee is officially off the payroll, their cover expires at midnight on their termination date, at the end of their last working day, and their dependents' cover ends with it.
No SafetyWing charge after the leaving month: under SafetyWing Community Plan 5.0, with a plan year from 1 October 2026, leaving a job is a qualifying life event, so SafetyWing allows the cancellation during the plan year. Once SafetyWing cover is cancelled, you are not charged for it for the rest of the plan year.
What SafetyWing tells your employee: SafetyWing emails your employee their last day of cover and an invitation to apply for a SafetyWing Individual Remote Health policy of their own.
SafetyWing dependents while the employee stays: if the employee is not leaving, a SafetyWing dependent can be removed only at renewal on 1 October.
After SafetyWing cover ends: SafetyWing does not cover treatment after the cover end date, even for an illness or injury that started before it. This includes the unused part of a prescription.
SafetyWing claims after leaving: claims for treatment received before the cover end date must reach SafetyWing within 180 days after the date of treatment.
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.
Ending an employee's cover, or a dependent's cover: contact the employee's HR Manager.
The health insurance charge on your final invoice: contact your Customer Success Manager.