100% pre-existing conditions
Get 100% pre-existing conditions coverage, up to MBL.
Corporate & SME Healthcare
Fighting for Better
SME Healthcare
In your continuous efforts to take care of your associates and their dependents’ welfare, consider Mediwealth Corporate Healthcare powered by Etiqa — fighting for better healthcare for SMEs since 2008, trusted by 800+ business clients nationwide.
Perfect for SME
4 unfair advantages for growing teams
100% congenital conditions
Get 100% congenital conditions coverage, up to MBL.
100% special procedures
Get 100% special procedures coverage, up to MBL.
100% no-fault coverage
Get 100% no-fault coverage, up to MBL.
Plans for Your Team
Corporate Healthcare That Protects Your People and Your Budget
Browse active Mediwealth group products — dependable coverage with pooling advantages that help stabilize renewals for SMEs and corporate teams.
Group Standard 10+
From 10 principals
starts at Php 9,062 / principal / year
Coverage tiers
| Room | MBL | Annual | Semi |
|---|---|---|---|
| Regular Private | 150K | ₱20,888 | ₱11,071 |
| Small Private | 100K | ₱15,460 | ₱8,194 |
| Semi-Private | 50K | ₱9,898 | ₱5,246 |
| Ward | 50K | ₱9,062 | ₱4,803 |
Group Standard 20+
From 20 principals
starts at Php 7,604 / principal / year
Coverage tiers
| Room | MBL | Annual | Semi |
|---|---|---|---|
| Large Private | 300K | ₱35,344 | ₱18,733 |
| Large Private | 250K | ₱31,862 | ₱16,887 |
| Large Private | 200K | ₱27,644 | ₱14,651 |
| Regular Private | 150K | ₱20,888 | ₱11,071 |
| Small Private | 100K | ₱15,460 | ₱8,194 |
| Small Private | 80K | ₱14,538 | ₱7,705 |
| Semi-Private | 70K | ₱10,882 | ₱5,767 |
| Semi-Private | 60K | ₱10,612 | ₱5,624 |
| Ward | 50K | ₱9,062 | ₱4,803 |
| Ward | 30K | ₱7,604 | ₱4,030 |
Why Mediwealth Corporate is Different
The Pooling Advantage
Instead of standing alone and carrying all claim risk, your company joins a bigger pool.
Meaning:
- More renewal stability
- Shared claims risk
- SMEs treated with big-company buying power
- Better chance for long-term savings
One major claim should not punish an entire company.
Standard Medical Benefits
Medical (MED)
24/7 coverage nationwide from our accredited medical network of doctors, hospitals, and clinics for no-cash-out access — extending to all present and future principals and dependents upon enrollment.
Benefits include inpatient, outpatient, and emergency treatment up to your Room & Board / Maximum Benefit Limits per disability per year.
- No inner limits — includes medicines (not vaccines) administered during outpatient visits, and emergency ambulance service to and from anywhere, anytime
- Access to non-accredited facilities worldwide for reimbursement as-charged, up to MBL
- Access to the Big 9 Hospitals
- Benefits on top of PhilHealth
- 100% Pre-Existing Conditions — covered
- 100% Congenital Conditions — covered
- 100% Special Procedures/Modalities coverage, up to MBL (including Lasik for the legally blind)
No-fault coverage up to MBL for:
- • Mental-nervous disorders / alcohol-drugs (including Mental Health)
- • Participation in brawls/riots/crime, war/combat-related activities, hazardous activities/dangerous sports
- • Own misconduct/gross negligence/immoral habits, self-inflicted injuries (no police report required)
- • STD-AIDS
- • Prosthetics and organ donation
- • Anti-venom/rabies/tetanus vaccines, up to MBL
- • Telemedicine from Doctor Anywhere
Mediwealth Corporate medical coverage is all-risk: whatever is not excluded is included. MED is charged to premium based on members’ R&B/MBL and the client’s current pool number. LOG is required for no-cash-out; no LOG is required for reimbursement.
3 Optional Benefits
Enhance your corporate package with add-on benefits tailored to your workforce and budget.
Dental HMO
10 dental benefits from Dental HMO clinics, nationwide.
Nationwide dental benefits from Health Partners Dental, including:
- • 1 permanent filling
- • 2 oral prophylaxes
- • Unlimited consultations
- • Simple tooth extractions
- • Temporary fillings
- • Gum treatment
- • Simple adjustment of dentures
- • Re-cementation of bridges/crowns/jackets
- • Treatment of pain/lesions/burns/wounds
- • Dental emergencies
No LOG required. DEN is charged to premium at ₱300/head; dental claims are not added to your MED utilization. (No reimbursement allowed.)
Annual Physical Exam
Basic 5|7 procedures from APE-accredited clinics, nationwide.
Nationwide benefits include:
- • Physical exam
- • Chest X-ray
- • CBC
- • Urinalysis
- • Fecalysis
- • ECG
- • Pap smear (35 years old and above)
APE is charged to premium at ₱1,500/head.
Life & Accident Insurance
Life & accident benefits as a multiple of your MBL, worldwide.
Worldwide life & accident coverage equal to 1–5× MBL (₱1M max / NEL). Group Yearly Renewable Term (GYRT) includes:
- • Death by any cause (except suicide in the 1st year)
- • Total & Permanent Disability (TPD) pays in lieu of Life, after 6 months of TPD from sickness or accident
- • Personal Accident (PA) includes Accidental Death & Dismemberment (AD&D), with indemnities for permanent disablement
- • Murder & Assault (M&A) pays in lieu of accidental death & disablement — provoked or unprovoked
Separate GYRT/TPD/PA policies, riders, and exclusions apply. No over-age is allowed for L&A, even if allowed for MED.
3 Optional Terms
Additional plan terms available to tailor coverage for your organization.
Benefits for Reimb. Only
Reimbursement for 7 existing exclusions, up to 10% MBL.
Annual Benefit Limit
Aggregate limit for all disabilities (sickness or accident), per year.
Independent of PhilHealth
Etiqa pays for PhilHealth’s share of the bill, in the absence of PhilHealth.
Ready to build your corporate healthcare package?
We can help you choose the right group plan, walk you through enrollment, and align coverage with your team size and budget goals.