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SME LUXE 20-150 Employees and Dependents

This document provides medical insurance rates for employees and dependents of companies with 20-150 employees. For employees, there are two options - with or without access to six major hospitals. Room and board benefits are listed along with annual, semi-annual, or quarterly payment fees. For dependents, the same two access options and various room and board benefits are outlined along with corresponding payment fees. Additional notes provide details on coverage, exclusions, and optional dental and life insurance riders with their applicable rates.
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100% found this document useful (1 vote)
266 views3 pages

SME LUXE 20-150 Employees and Dependents

This document provides medical insurance rates for employees and dependents of companies with 20-150 employees. For employees, there are two options - with or without access to six major hospitals. Room and board benefits are listed along with annual, semi-annual, or quarterly payment fees. For dependents, the same two access options and various room and board benefits are outlined along with corresponding payment fees. Additional notes provide details on coverage, exclusions, and optional dental and life insurance riders with their applicable rates.
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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SME LUXE 20-150 EMPLOYEES AND DEPENDENTS RATES

EMPLOYEES: DIRECT ACCESS (HOSPITAL BASED)

OPTION 1: WITH ACCESS TO ALL AFFILIATED PROVIDERS EXCLUDING SIX (6) MAJOR HOSPITAL*

Room & Board MBL* o Annual Fee w/o o Semi-Annual o Quarterly Fee
Rider Fee w/o Rider w/o Rider
 Suite up to 4,000 400,000 P18,144.00 P9,707.04 P4,989.60

 Suite up to 3,000 400,000 P16,822.40 P8,999.98 P4,626.16

 Private Open 250,000 P14,179.20 P7,585.87 P3,899.28

 Regular Private 250,000 P12,572.00 P6,726.02 P3,457.30

 Semi-Private Open 200,000 P10,304.00 P5,512.64 P2,833.60

 Ward Open 100,000 P7,901.60 P4,227.36 P2,172.94

OPTION 2: WITH ACCESS TO ALL AFFILIATED PROVIDERS INCLUDING SIX (6) MAJOR HOSPITAL*

Room & Board MBL* o Annual Fee w/o o Semi-Annual Fee o Quarterly Fee
Rider w/o Rider w/o Rider
 Suite up to 4,000 400,000 P24,505.60 P13,110.50 P6,739.04

 Suite up to 3,000 400,000 P22,590.40 P12,085.86 P6,212.36

 Private Open 250,000 P19,180.00 P10,261.30 P5,274.50

 Regular Private 250,000 P16,648.80 P8,907.11 P4,578.42

 Semi-Private Open 200,000 P13,451.20 P7,196.39 P3,699.08

 Ward Open 100,000 P10,371.20 P5,548.59 P2,852.08

Notes:
 In compliance to BIR, rates provided above are inclusive of applicable 12% EVAT; If VAT Exempt,
pls. provide a copy of the VAT Exempt Certification
 Rates provided are based on the minimum of 20 to maximum of 150 employees only, per
company and based on the assumption that 100% of eligible employees are being enrolled in
the HMO program.
 With coverage for Pre-existing Conditions up to MBL
 Non-Medical Requirement;
 *MBL works on a per illness, per injury, per member, per year
 Optional access to Six (6) Major Hospitals: Asian Hospital and Medical Center, St. Luke's Medical
Center(QC), Makati Medical Center, The Medical City and Cardinal Santos Medical Center
including SLMC Global
 Rates excludes access to Philippine Orthopedic Institution, Notre Dame Hospital, Manila
Adventist, Marikina Valley and Healthway clinics

DEPENDENTS: DIRECT ACCESS (HOSPITAL BASED)

OPTION 1: WITH ACCESS TO ALL AFFILIATED PROVIDERS EXCLUDING SIX (6) MAJOR HOSPITAL*

Room & Board MBL* o Annual Fee w/o o Semi-Annual o Quarterly Fee
Rider Fee w/o Rider w/o Rider
 Suite up to 4,000 400,000 P23,755.20 P12,709.03 P6,532.68

 Suite up to 3,000 400,000 P22,120.00 P11,834.20 P6,083.00

 Private Open 250,000 P18,435.20 P9,862.83 P5,069.68

 Regular Private 250,000 P16,290.40 P8,715.36 P4,479.86

 Semi-Private Open 200,000 P13,053.60 P6,983.68 P3,589.74

 Ward Open 100,000 P10,108.00 P5,407.78 P2,779.70

OPTION 2: WITH ACCESS TO ALL AFFILIATED PROVIDERS INCLUDING SIX (6) MAJOR HOSPITAL*

Room & Board MBL* o Annual Fee w/o o Semi-Annual o Quarterly Fee
Rider Fee w/o Rider w/o Rider
 Suite up to 4,000 400,000 P32,614.40 P17,448.70 P8,968.96

 Suite up to 3,000 400,000 P30,251.20 P16,184.39 P8,319.08

 Private Open 250,000 P25,334.40 P13,553.90 P6,966.96

 Regular Private 250,000 P22,024.80 P11,783.27 P6,056.82

 Semi-Private Open 200,000 P17,427.20 P9,323.55 P4,792.48

 Ward Open 100,000 P13,568.80 P7,259.31 P3,731.42

Notes:

 In compliance to BIR, rates provided above are inclusive of applicable 12% EVAT; If VAT Exempt, pls.
provide a copy of the VAT Exempt Certification
 Rates provided are based on the minimum of 20 to maximum of 150 employees only
 Rates provided for dependents are based on the required 75% participation based on the total
employee’s headcount.
 With coverage for Pre-existing Conditions up to MBL
 Direct Access – For Out-patient, In-patient and emergency members can avail in accredited
providers of Philcare.
 Non-Medical Requirement;
 *MBL works on a per illness, per injury, per member, per year
 Optional access to Six (6) Major Hospitals: Asian Hospital and Medical Center, St. Luke's Medical
Center(QC), Makati Medical Center, The Medical City and Cardinal Santos Medical Center including
SLMC Global
 ***Rates excludes access to Philippine Orthopedic Institution, Notre Dame Hospital, Manila
Adventist, Marikina Valley and Healthway clinics
 Rates includes access to Fortmed Clinics and TMC Satellite except Healthway Clinics.
 Rates are provided based on the assumption that company is under the category of “Group A
accounts”; otherwise, rates are subject for actuarial’s review and re-cost
 Additional Php2,400.00 (VAT Exclusive) or Php2,688.00 (VAT Inclusive) for non Philhealth Members
(must be declared upon enrolment).

OPTIONAL RIDER BENEFIT

DENTAL BENEFIT (WITH 12% VAT)

Type of Package  ANNUAL


 SEMI ANNUAL  QUARTERLY
FEE
 Standard Dental
(1 Oral Prophylaxis, No
Permanent Fill) 296.80 158.79 81.62

 Standard + 1 Addtl Oral


Prophylaxis + 2 surfaces 448.00 239.68 123.20
Light cure
 Standard + 1 Addtl Oral
Prophylaxis + 2 teeth 515.20 275.63 141.68
Light cure
 LIFE INSURANCE RIDER: GROUP LIFE AND AD&D (WITH 12% VAT)

COVERAGE  ANNUAL
 SEMI ANNUAL  QUARTERLY
FEE
 10,000 100.80 53.93 27.72

 20,000 201.60 107.86 55.44

 50,000 504.00 269.64 138.60

 100,000 1,008.00 539.28 277.20

*Note:

Group Life and AD&D coverage is only applicable for employees below 65 years old. Dependents are not
entitled to the Life Insurance Rider. AD&D requires Group Life coverage

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