You can add your spouse, partner or children to your SafetyWing Remote Health plan when you join, at renewal on 1 October, or after a qualifying life event such as a marriage or a new baby. Parents cannot be added. To add or remove a dependent, contact your HR Manager.
Note: This article is about SafetyWing Remote Health, Community Plan 5.0, for the plan year from 1 October 2026. If your health insurance (HMO) is with PhilCare, different rules apply.
Who can be a SafetyWing dependent
On SafetyWing Remote Health, these people can be your dependents:
your spouse or domestic partner
your biological children, legally adopted children and stepchildren
children under 18 for whom a court has made you the legal guardian
Children are covered until the day before they turn 19 if they are single. They are covered 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.
Parents cannot be added as dependents on SafetyWing Remote Health. Your dependents must live in the same country as you. Each dependent is on the same plan as you and has their own limits.
When you can add a SafetyWing dependent
You can add a dependent to SafetyWing Remote Health at these times:
When you join: within 30 days of your start date.
At renewal: during open enrolment, before the plan renews on 1 October. Your HR Manager tells you the deadline.
After a qualifying life event: such as a marriage, a new baby or adoption, or your spouse or child losing other health insurance.
At other times, you cannot add a dependent.
Adding a newborn baby
To add a newborn to SafetyWing Remote Health, SafetyWing must receive a copy of the birth certificate within 90 days of the birth. Contact your HR Manager as soon as you can after the birth.
After 90 days, a full insurance application is needed, and SafetyWing can ask for more information or change the conditions of cover. A baby born from a pregnancy that the policy did not cover, or after fertility treatment, also needs a full application with a medical review.
Important: Send your baby's birth certificate within 90 days of the birth. After 90 days, a full insurance application is needed.
Who pays for a SafetyWing dependent
Your client may choose to pay for your dependent's health insurance. If your employment agreement includes health cover for a dependent, your client pays for it.
If your client does not pay, you can pay through a monthly payroll deduction. Your HR Manager confirms the amount before your dependent is added.
After your dependent is added, you can see the amount in the Outstaffer AI employee portal under Profile > Health Insurance > Monthly Deduction Amount.
How to add a SafetyWing dependent
Contact your HR Manager. Say who you want to add and why you can add them now: you are joining, it is renewal, or you had a qualifying life event.
Send the documents your HR Manager asks for, such as a birth certificate for a newborn.
Agree who pays: your client, or you through a monthly payroll deduction. If you pay, your HR Manager confirms the amount first.
Outstaffer AI asks SafetyWing to add your dependent. Your HR Manager tells you the date your dependent's cover starts.
Removing a SafetyWing dependent
You can remove a dependent from SafetyWing Remote Health only at renewal. Tell your HR Manager before the open enrolment deadline. Your dependent is removed when the plan renews on 1 October.
Some events end a dependent's cover at the end of the plan year. This happens when a child marries or stops full-time study, or after a divorce or annulment.
If you divorce or legally separate, SafetyWing must be told within 30 days, so tell your HR Manager straight away. Your former spouse or partner stays covered until the end of the plan year. SafetyWing then offers them their own policy on the same plan.
When your job ends, your dependents' cover ends with yours. Read SafetyWing Remote Health: What Happens to Your Cover When You Leave.
Who to contact
Adding or removing a dependent, or the payroll deduction amount: contact your HR Manager.
Questions about your dependent's cover: SafetyWing live chat, in your SafetyWing dashboard or app.
Questions about a claim for your dependent: email [email protected] with your policy ID and claim ID.
This article is general information, not your full policy. You can see your coverage details in your SafetyWing dashboard.