HMO Insurance
Give your offshore team access to quality private healthcare with managed HMO coverage, from basic medical care to enhanced plans with dental and mental health support.
About this service
What we deliver
We provide access to private Health Maintenance Organisation (HMO) insurance for your offshore team members, covering both basic and enhanced levels of care. This service improves retention, protects employee wellbeing, and ensures your team has access to quality medical support. We manage the entire process from enrolment to renewal and tailor options to suit your budget and coverage needs.
What's included
Coverage you can rely on
Clear inclusions so you know exactly what to expect from day one. Adjust the stack to match the scale of your team or project.
Access to reputable Philippine HMO providers offering national coverage
Basic Coverage: Includes primary care, emergency care, and standard inpatient/outpatient services
Enhanced Coverage: Optionally adds dependent coverage, dental, mental health, maternity, or specialist consultations
Consolidated billing and enrolment managed by Ryoss
Seamless integration with EoR onboarding and payroll (if applicable)
Guidance on provider selection, plan comparison, and upgrades
Employee FAQs and enrolment support included
Scalable across individuals or entire teams
Investment
Pricing
From AUD $50-$150 / USD $35-$100 per employee per month
Final cost depends on provider, coverage level, and total number of enrolled employees. Enhanced plans with dependents or additional riders priced separately. Available with EoR or as a standalone benefit for client-owned entities.
Applications
Use Cases
Common scenarios where this service delivers measurable value.
Providing minimum expected private health coverage for all EoR employees
Private healthcare is a baseline expectation for professional roles in the Philippines. Offering HMO coverage ensures you meet market standards and remain competitive when hiring quality talent through your EoR arrangement.
Offering enhanced coverage to key staff, managers, or longer-tenured employees
Tiered benefits reward loyalty and recognise contribution. Enhanced HMO plans with dental, mental health, or dependent coverage can be offered to senior staff or employees reaching tenure milestones.
Improving staff retention and morale through healthcare access
Healthcare anxiety affects productivity and engagement. When employees know they and their families have reliable medical coverage, they can focus on work without worrying about unexpected health expenses.
Meeting enterprise client expectations or RFP requirements for employee benefits
Many enterprise clients require offshore vendors to provide adequate health benefits. Managed HMO coverage helps you tick compliance boxes and demonstrate responsible employment practices in proposals.
Reducing absenteeism through preventive care and faster treatment access
HMO coverage encourages employees to seek preventive care and address health issues early. This reduces extended sick leave, improves overall team health, and maintains productivity across your offshore operations.
Process
How It Works
A clear, structured approach to get you up and running.
Plan Selection
We help you choose between basic or enhanced HMO options based on team structure and budget.
Enrolment & Administration
Ryoss manages employee onboarding into the selected plan, including ID cards and benefit documents.
Premium Management
We handle billing, renewals, and adjustments based on employment changes.
Support
Employees receive assistance with claims, provider access, and plan questions.
Upgrades & Add-ons
You may opt to upgrade plans or add dependents at any time, with adjusted billing.
Let's talk
Ready to get started?
Tell us about your team, timeline, and outcomes. We'll respond within one business day.
Whether you're exploring options or ready to move forward, we're here to help. Our team has helped businesses of all shapes and sizes establish and scale their operations in Southeast Asia. We understand the challenges and know how to navigate them efficiently, so you can focus on what matters most: growing your business.
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