Health coverage your team will actually understand.
We compare group HMO plans from our partner insurers, explain the fine print in plain language, and stay with you from enrollment to claims. Isang contact lang, kami na ang bahala.
Not all HMO plans are created equal.
Two plans can look the same on the brochure and still pay out very differently. These are the details we check before you sign, para walang surprise sa ospital.
Benefit limits
How much the plan pays per illness or per year, and what happens when one big case uses it up.
Room and board
The room type covered. Upgrading on admission can make other charges go up too.
Pre-existing conditions
Waiting periods and exclusions that affect employees who already have a diagnosis.
Hospital network
Whether the hospitals and doctors near your team are accredited, and which ones are not.
Three steps. Kami na ang bahala sa paperwork.
Tell us about your team
Fill out the short form below. It takes about two minutes, and we only ask for what we need to compare plans.
We compare and explain
We request proposals from partner insurers and walk you through them side by side, coverage first, then price.
Enroll, then relax
We help with enrollment and stay as your single point of contact for renewals, member concerns and claims.
We work for you before, during and after the sale.
As a general agency, we work with several insurers. So our advice starts with what your team needs, not with one company's product.
Be wise and don't compromise.
Coverage first
We show you what each plan covers before we talk about price, so you compare value, not just premiums.
One point of contact
Your HR team talks to one person for enrollment, member questions, renewals and claims follow-ups.
Plain-language advice
No jargon. We explain limits and exclusions in words your employees will actually understand.
Here at renewal time
Every year, we review your plan against your claims experience and the market, then recommend what to keep or change.
Protection for your business and your family.
Same process: tell us what you need, we compare options from partner insurers and explain them clearly.
Group HMO for employees
Health plans for SMEs and growing teams, including dependents and renewals.
Individual and family health
HMO and international health plans for families, freelancers and expats.
Life and critical illness protection
Coverage that helps your family keep going if a serious illness or loss happens. We connect you with suitable plans.
Travel insurance
For trips abroad, study tours and visa requirements.
Fire and property
Protection for homes, condos, offices and business premises.
UITF investments
Pooled investment funds for long-term goals, offered separately from insurance.
UITFs are not deposits and are not insured by the PDIC. Returns are not guaranteed. See the full disclosure below.
Frequently asked questions
Do you charge a fee for the comparison?
No. There is no fee to you for the comparison or for our service. As a licensed agency, we are compensated by the insurer when a policy is placed.
How small can my team be?
Each insurer sets its own minimum group size. Tell us your headcount and we will tell you which options are realistically available to you.
We already have an HMO. Can you still help?
Yes. Many clients come to us before renewal. We review your current plan, compare it with alternatives, and you decide whether to stay or switch.
Which insurers do you work with?
We work with several life, non-life and HMO partners. We will tell you exactly which companies are in your comparison so you can check them yourself.
How long does it take?
It depends on how quickly each insurer returns its proposal. We will give you a realistic timeline once we have your details.
What happens to the information I send?
We use it only to prepare your comparison and to contact you about it. Please do not include medical details in this form. Read our Privacy Notice for details.
Get your free group HMO comparison.
Two minutes lang. We will get back to you on the next working day to confirm your details.
Prefer to chat? Message us directly:
- Viber: 0917 522 1271
- WhatsApp: 0917 522 1271
- Email: chippy_cacho@cachoinsuranceagency.com
Renewal coming up?
Start the comparison 60 to 90 days before, so you have time to decide.