🏥 SME HMO Programme – Powered by Generali
Our Philinsure SME HMO Programme, supported by Generali, provides comprehensive healthcare protection for small and medium enterprises starting from a minimum of 10 employees.
This program includes a full suite of essential benefits designed to safeguard your team’s health and well‑being.
Core Benefits
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Emergency Benefit — Immediate medical care for urgent and life‑threatening conditions.
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Out‑Patient Benefit — Coverage for consultations, treatments, and minor procedures outside hospital confinement.
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In‑Patient Benefit — Hospitalization coverage including room and board, medicines, and professional fees.
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Diagnostic Procedures — Laboratory tests and imaging, both in‑patient and out‑patient.
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Dental Benefit — Basic dental care such as cleaning, fillings, and oral examinations.
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Annual Physical Exam — Yearly health assessment for employees.
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Life Insurance Coverage — Added financial protection for employees and their families.
Premium Inclusions
Each enrolled employee receives coverage inclusive of:
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GYRT ₱50,000
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Annual Physical Exam
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Dental Coverage
Accredited hospital and clinic lists, along with full Generali benefit details, are available in the attached file.
Contact Us
For more information about the SME HMO Programme, please contact PALANAS INSURANCE SERVICES at 09566724560 or email palinserv@yahoo.com.
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PALANAS INSURANCE SERVICES is a privately owned insurance agency offering general lines and traditional insurance products and is duly registered in Oroquieta City, Misamis Occidental, Philippines under registration no. 2797 and an accredited underwriting agent of Standard Insurance Company.
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