How We Provide Health Insurance To Our OFS – Practical Advice

In the Philippines, health insurance is not required by law. Workers in the Philippines do not automatically get health insurance if they find a job.

It is a perk that not most businesses offer, but, like here in the US, it makes people stay and keep working for a company.

What they have is Philhealth. PhilHealth subsidizes their hospital bills based on the amount they have incurred. The agency typically pays parts of the doctor’s professional fees, laboratory tests, and other medical costs. It pays part of the bill, but not all of it. 

We believe that healthcare is important – it shows you care about your employees, another way to gain their trust. does not have an office in the Philippines – we do not have an entity in the Philippines, so we cannot provide business HMO.

What we do is we have our OFSs look for the best HMO for their needs, apply for the coverage themselves, pay the initial cost, and then reimburse them.

Keep in mind that you don’t have to do this. You don’t need to provide HMO, especially if you’re hiring someone for a short period of time. 

But if you’re in this for the long haul and you see the value of having an OFS, consider providing health insurance if possible since it is a substantial added value for employees (and their families) over the long run.

We have plenty of practical advice like this one! Head on to our outsourcing education page

Also, check out reviews from entrepreneurs who already made the jump and have VAs of their own; here’s a list of reviews on

You can also check out how to get started on hiring Rockstar Virtual Assistants.

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About John Jonas

John Jonas is a long-time outsourcing expert and the creator of

Since 2005, John has taught hundreds of thousands of entrepreneurs how to profitably delegate to VAs in the Philippines (and get their lives back in the process).

With help from his own VAs based in the Philippines, John has created an outsourcing empire that allows him to work 17 hours/week and to spend most of his time with his wife and 5 kids.

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  1. Leah Guys says

    Will the VA be able to font the annual
    Or semi annual cost? We are offering a plan where they show proof of payment and we reimburse them every month. I’m learning that they will have to come out of pocket and pay for the plan upfront for the year or three months at a time. And some VAs are saying they will not be able to make that initial payment on their own.

    • says

      Hi Leah,

      Thank you for your comment. I remember that self-employed workers are the only ones who can do the annual/semi-annual payment to Philhealth (I’m not sure if there are changes with that kind of schedule though), and when it comes to employer workers, they have to do the monthly/quarterly payments

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