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Health Benefits

Providing health insurance in this country may not be mandatory, but offering robust health benefits can significantly elevate your employees’ healthcare experience—ensuring prompt access to top-tier providers and reducing wait times. Through our Global Health Insurance scheme, offered in partnership with one of the world’s leading insurance providers, Remote now presents four comprehensive plan options: Standard, Premium, Gold, and Platinum. While the local plans only cover services locally, they enjoy the benefits of a more extensive local network and specialized care.
• Standard delivers essential health coverage, ensuring a solid foundation for inpatient and outpatient needs.
• Premium builds on this by adding dental and vision benefits for enhanced overall care.
• Gold and Platinum tiers introduce significantly higher coverage limits and additional services, ideal for those seeking even more comprehensive protection.
We also offer flexible options to cover the employee alone or extend benefits to their spouse/partner and children through our Family Coverage option—tailored to meet the diverse needs of your team. If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!
  • International Standard

    In-Patient Benefits

    Coverage Limit: $1,000,000

    • Hospital Accommodation: Private room
    • Intensive Care: Full coverage
    • Prescription Drugs and Materials: Full coverage
    • Surgical Fees (including anaesthesia and charges): Full coverage
    • Physician and Therapist Fees: Full coverage
    • Surgical Appliances and Materials: Full coverage
    • Diagnostic Tests: Full coverage
    • Organ Transplant: Full coverage
    • Psychiatry and Psychotherapy: Full coverage
    • Parent Accommodation (for children under 18): Full coverage
    • Emergency In-Patient Dental Treatment: Full coverage
    • Day-Care Treatment: Full coverage
    • Kidney Dialysis: Full coverage
    • Out-Patient Surgery: Full coverage
    • Nursing at Home or Convalescent Home: Up to $3,375
    • Rehabilitation Treatment: Up to $3,375
    • Local Ambulance: Full coverage
    • Emergency Treatment Outside Area of Cover: Up to $50,000
    • Medical Evacuation: Full coverage
    • Expenses for Accompanying Evacuation: Up to $2,700
    • Travel Costs for Family Members (Evacuation): Up to $2,700
    • Repatriation of Mortal Remains: Up to $13,500
    • Travel Costs for Family (Repatriation): Up to $4,050
    • CT and MRI Scans: Full coverage
    • PET and CT-PET Scans: Full coverage
    • Oncology: Full coverage
    • Purchase of Wig/Prosthetic Bra: Up to $270
    • Routine Maternity: Up to $6,000
    • Complications of Pregnancy/Childbirth: Up to $13,500
    • In-Patient Cash Benefit: $205 per night (max 25 nights)
    • Emergency Out-Patient Treatment: Full coverage
    • Palliative Care: Full coverage
    • Long Term Care: Full coverage (max 90 days)
    • HIV/AIDS Treatment: Full coverage

    Out-Patient Benefits

    Coverage Limit: $3,500

    • Maximum Plan Benefit: $3,500
    • Deductible: $135
    • Medical Practitioner Fees & Prescription Drugs: Up to $1,350
    • Diagnostic Tests: Full coverage
    • Video Consultation Services: Full coverage
    • Specialist Fees: Full coverage
    • Chiropractic, Osteopathy, Homoeopathy, Acupuncture, Podiatry: Full coverage
    • Prescribed Physiotherapy: Up to $600
    • Non-Prescribed Physiotherapy: Up to 10 visits
    • Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
    • Vaccinations: Up to $300
    • Infertility Treatment: Up to $16,000
    • Psychiatry and Psychotherapy: Max 10 visits
    • Prescribed Medical Aids: Up to $675
    • Prescribed Glasses and Contact Lenses: Not covered
    • Hormone Replacement Therapy: Full coverage
    • Cancer Screening (see details below): Up to $300
    • Annual pap smear
    • Mammogram (every two years for women aged 45+, or younger where a family history exists)
    • Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
    • Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
    • Annual faecal occult blood test
    • BRCA1 and BRCA2 genetic test (where a direct family history exists)
    • Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
    • Physical examination
    • Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
    • Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
    • Neurological examination (physical examination)
    • Bone densitometry (every five years for women aged 50+)
    • Well child test (for children up to the age of six years)

    The Standard tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

    Dental Benefits

    Not covered

    Vision Benefits

    Not covered

    Co-pay and Deductible

    • Co-pay: None
    • Outpatient Deductible: $135

    Family Coverage

    You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/parter and children.

  • International Premium

    In-Patient Benefits

    Coverage Limit: $1,000,000

    • Hospital Accommodation: Private room
    • Intensive Care: Full coverage
    • Prescription Drugs and Materials: Full coverage
    • Surgical Fees (including anaesthesia and charges): Full coverage
    • Physician and Therapist Fees: Full coverage
    • Surgical Appliances and Materials: Full coverage
    • Diagnostic Tests: Full coverage
    • Organ Transplant: Full coverage
    • Psychiatry and Psychotherapy: Full coverage
    • Parent Accommodation (for children under 18): Full coverage
    • Emergency In-Patient Dental Treatment: Full coverage
    • Day-Care Treatment: Full coverage
    • Kidney Dialysis: Full coverage
    • Out-Patient Surgery: Full coverage
    • Nursing at Home or Convalescent Home: Up to $3,375
    • Rehabilitation Treatment: Up to $3,375
    • Local Ambulance: Full coverage
    • Emergency Treatment Outside Area of Cover: Up to $50,000
    • Medical Evacuation: Full coverage
    • Expenses for Accompanying Evacuation: Up to $2,700
    • Travel Costs for Family Members (Evacuation): Up to $2,700
    • Repatriation of Mortal Remains: Up to $13,500
    • Travel Costs for Family (Repatriation): Up to $4,050
    • CT and MRI Scans: Full coverage
    • PET and CT-PET Scans: Full coverage
    • Oncology: Full coverage
    • Purchase of Wig/Prosthetic Bra: Up to $270
    • Routine Maternity: Up to $6,000
    • Complications of Pregnancy/Childbirth: Up to $13,500
    • In-Patient Cash Benefit: $205 per night (max 25 nights)
    • Emergency Out-Patient Treatment: Full coverage
    • Palliative Care: Full coverage
    • Long Term Care: Full coverage (max 90 days)
    • HIV/AIDS Treatment: Full coverage
    • Treatment for Alcohol and Drug Addiction: Up to $5,000
    • Gender Dysphoria Services: Up to $25,000 per lifetime

    Out-Patient Benefits

    Coverage Limit: $5,060

    • Maximum Plan Benefit: $5,060
    • Deductible: None
    • Medical Practitioner Fees: Up to $1,350
    • Prescription Drugs: Full coverage
    • Diagnostic Tests: Full coverage
    • Video Consultation Services: Full coverage
    • Specialist Fees: Full coverage
    • Chiropractic, Osteopathy, Homoeopathy, Acupuncture, Podiatry: Full coverage
    • Prescribed Physiotherapy: Up to $600
    • Non-Prescribed Physiotherapy: Up to 10 visits
    • Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
    • Vaccinations: Up to $500
    • Health and Wellbeing Checks: See details below
    • Infertility Treatment: Up to $16,000
    • Psychiatry and Psychotherapy: Max 10 visits
    • Prescribed Medical Aids: Up to $675
    • Prescribed Glasses and Contact Lenses: Up to $250
    • Hormone Replacement Therapy: Full coverage
    • Cancer Screening (see details below): Up to $500
    • Annual pap smear
    • Mammogram (every two years for women aged 45+, or younger where a family history exists)
    • Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
    • Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
    • Annual faecal occult blood test
    • BRCA1 and BRCA2 genetic test (where a direct family history exists)
    • Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
    • Physical examination
    • Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
    • Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
    • Neurological examination (physical examination)
    • Bone densitometry (every five years for women aged 50+)
    • Well child test (for children up to the age of six years)

    The Premium tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

    Dental Benefits

    Coverage Limit: $1,000

    • Preventative Dental Treatment: 100% refund
    • Routine Dental Treatment: Full coverage
    • Major Restorative Dental Treatment: Full coverage
    • Periodontics: Full coverage

    Vision Benefits

    • Prescribed Glasses and Contact Lenses: Up to $250, including eye examination

    Co-pay and Deductible

    • Co-pay: None
    • Deductible: None

    Family Coverage

    You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

  • International Gold

    In-Patient Benefits

    Coverage Limit: $2,500,000

    • Hospital Accommodation: Private room
    • Intensive Care: Full coverage
    • Prescription Drugs and Materials: Full coverage
    • Surgical Fees (including anaesthesia and charges): Full coverage
    • Physician and Therapist Fees: Full coverage
    • Surgical Appliances and Materials: Full coverage
    • Diagnostic Tests: Full coverage
    • Organ Transplant: Full coverage
    • Psychiatry and Psychotherapy: Full coverage
    • Parent Accommodation (for children under 18): Full coverage
    • Emergency In-Patient Dental Treatment: Full coverage
    • Day-Care Treatment: Full coverage
    • Kidney Dialysis: Full coverage
    • Out-Patient Surgery: Full coverage
    • Nursing at Home or Convalescent Home: Up to $3,375
    • Rehabilitation Treatment: Up to $3,375
    • Local Ambulance: Full coverage
    • Emergency Treatment Outside Area of Cover: Up to $50,000
    • Medical Evacuation: Full coverage
    • Expenses for Accompanying Evacuation: Up to $2,700
    • Travel Costs for Family Members (Evacuation): Up to $2,700
    • Repatriation of Mortal Remains: Up to $13,500
    • Travel Costs for Family (Repatriation): Up to $4,050
    • CT and MRI Scans: Full coverage
    • PET and CT-PET Scans: Full coverage
    • Oncology: Full coverage
    • Purchase of Wig/Prosthetic Bra: Up to $270
    • Routine Maternity: Up to $6,000
    • Complications of Pregnancy/Childbirth: Up to $13,500
    • In-Patient Cash Benefit: $205 per night (max 25 nights)
    • Emergency Out-Patient Treatment: Full coverage
    • Palliative Care: Full coverage
    • Long Term Care: Full coverage (max 90 days)
    • HIV/AIDS Treatment: Full coverage
    • Treatment for Alcohol and Drug Addiction: Up to $15,000
    • Gender Dysphoria Services: Up to $50,000 per lifetime

    Out-Patient Benefits

    Coverage Limit: $6,000

    • Maximum Plan Benefit: $6,000
    • Deductible: None
    • Medical Practitioner Fees: Up to $1,350
    • Prescription Drugs: Full coverage
    • Diagnostic Tests: Full coverage
    • Video Consultation Services: Full coverage
    • Specialist Fees: Full coverage
    • Chiropractic, Osteopathy, Homoeopathy, Acupuncture, Podiatry: Full coverage
    • Prescribed Physiotherapy: Up to $1,275
    • Non-Prescribed Physiotherapy: Up to 10 visits
    • Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
    • Vaccinations: Up to $300
    • Health and Wellbeing Checks: See details below
    • Infertility Treatment: Up to $16,000
    • Psychiatry and Psychotherapy: Max 20 visits
    • Prescribed Medical Aids: Up to $675
    • Prescribed Glasses and Contact Lenses: Up to $250
    • Hormone Replacement Therapy: Full coverage
    • Cancer Screening (see details below): Up to $300
    • Annual pap smear
    • Mammogram (every two years for women aged 45+, or younger where a family history exists)
    • Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
    • Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
    • Annual faecal occult blood test
    • BRCA1 and BRCA2 genetic test (where a direct family history exists)
    • Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $300
    • Physical examination
    • Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
    • Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
    • Neurological examination (physical examination)
    • Bone densitometry (every five years for women aged 50+)
    • Well child test (for children up to the age of six years)

    The Gold tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

    Dental Benefits

    Coverage Limit: $1,000

    • Preventative Dental Treatment: 100% refund
    • Routine Dental Treatment: Full coverage
    • Major Restorative Dental Treatment: Full coverage
    • Periodontics: Full coverage

    Vision Benefits

    • Prescribed Glasses and Contact Lenses: Up to $250, including eye examination

    Co-pay and Deductible

    • Co-pay: None
    • Deductible: None

    Family Coverage

    You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

  • International Platinum

    In-Patient Benefits

    Coverage Limit: $5,000,000

    • Hospital Accommodation: Private room
    • Intensive Care: Full coverage
    • Prescription Drugs and Materials: Full coverage
    • Surgical Fees (including anaesthesia and charges): Full coverage
    • Physician and Therapist Fees: Full coverage
    • Surgical Appliances and Materials: Full coverage
    • Diagnostic Tests: Full coverage
    • Organ Transplant: Full coverage
    • Psychiatry and Psychotherapy: Full coverage
    • Parent Accommodation (for children under 18): Full coverage
    • Emergency In-Patient Dental Treatment: Full coverage
    • Day-Care Treatment: Full coverage
    • Kidney Dialysis: Full coverage
    • Out-Patient Surgery: Full coverage
    • Nursing at Home or Convalescent Home: Up to $3,375
    • Rehabilitation Treatment: Up to $3,375
    • Local Ambulance: Full coverage
    • Emergency Treatment Outside Area of Cover: Up to $50,000
    • Medical Evacuation: Full coverage
    • Expenses for Accompanying Evacuation: Up to $2,700
    • Travel Costs for Family Members (Evacuation): Up to $2,700
    • Repatriation of Mortal Remains: Up to $13,500
    • Travel Costs for Family (Repatriation): Up to $4,050
    • CT and MRI Scans: Full coverage
    • PET and CT-PET Scans: Full coverage
    • Oncology: Full coverage
    • Purchase of Wig/Prosthetic Bra: Up to $270
    • Routine Maternity: Up to $10,000
    • Complications of Pregnancy/Childbirth: Up to $50,000
    • In-Patient Cash Benefit: $205 per night (max 25 nights)
    • Emergency Out-Patient Treatment: Full coverage
    • Palliative Care: Full coverage
    • Long Term Care: Full coverage (max 90 days)
    • HIV/AIDS Treatment: Full coverage
    • Treatment for Alcohol and Drug Addiction: Up to $15,000
    • Gender Dysphoria Services: Up to $50,000 per lifetime

    Out-Patient Benefits

    Coverage Limit: $15,000

    • Maximum Plan Benefit: $15,000
    • Deductible: None
    • Medical Practitioner Fees: Full coverege
    • Prescription Drugs: Full coverage
    • Diagnostic Tests: Full coverage
    • Video Consultation Services: Full coverage
    • Specialist Fees: Full coverage
    • Chiropractic, Osteopathy, Homoeopathy, Acupuncture, Podiatry: Full coverage
    • Prescribed Physiotherapy: Up to $2,500
    • Non-Prescribed Physiotherapy: Up to 20 visits
    • Prescribed Speech Therapy and Occupational Therapy: Up to $1,520
    • Vaccinations: Up to $500
    • Health and Wellbeing Checks: See details below
    • Infertility Treatment: Up to $16,000
    • Psychiatry and Psychotherapy: Max 30 visits
    • Prescribed Medical Aids: Up to $675
    • Prescribed Glasses and Contact Lenses: Up to $500
    • Hormone Replacement Therapy: Full coverage
    • Cancer Screening (see details below): Up to $500
    • Annual pap smear
    • Mammogram (every two years for women aged 45+, or younger where a family history exists)
    • Annual prostate screening (yearly for men aged 50+, or younger where a family history exists)
    • Colonoscopy (every five years for members aged 50+, or 40+ where a family history exists)
    • Annual faecal occult blood test
    • BRCA1 and BRCA2 genetic test (where a direct family history exists)
    • Health and Wellbeing Checks: Includes screenings for early detection of illness or disease (see details below): Up to $500
    • Physical examination
    • Blood tests (full blood count, biochemistry, lipid profile, thyroid function test, liver function test, kidney function test)
    • Cardiovascular examination (physical examination, electrocardiogram, blood pressure)
    • Neurological examination (physical examination)
    • Bone densitometry (every five years for women aged 50+)
    • Well child test (for children up to the age of six years)

    The Platinum tier includes the following additional services: Employee Assistance Programme, Travel Security Services, MyHealth Digital Services, Olive (Health & Wellness Support), and Second Medical Opinion, all of which are available.

    Dental Benefits

    Coverage Limit: $2,500

    • Preventative Dental Treatment: 100% refund
    • Routine Dental Treatment: Full coverage
    • Major Restorative Dental Treatment: Full coverage
    • Periodontics: Full coverage

    Vision Benefits

    • Prescribed Glasses and Contact Lenses: Up to $500, including eye examination

    Co-pay and Deductible

    • Co-pay: None
    • Deductible: None

    Family Coverage

    You have the option to cover the cost of your team's dependents, ensuring comprehensive protection for their spouse/partner and children.

  • Local Plan

    Outpatient Care (OP)

    • Consultations & Procedures – Up to 300,000 PHP
    • Eye Laser Therapy (retinal tear, hole, detachment, glaucoma) – Up to 10,000 PHP per eye/year
    • Electrocauterization of Skin Lesions – Up to 1,000 PHP per year
    • Sclerotherapy for Varicose Veins – Up to 5,000 PHP per leg/year
    • Allergy Testing – Up to 2,500 PHP per year
    • Speech Therapy (Stroke Patients) – Up to 10,000 PHP per year
    • Tuberculin Test – Up to 600 PHP per year

    Inpatient Care (IP)

    • Room & Board Accommodation – Based on plan’s limit
    • Emergency Room Upgrade (if room unavailable) – Covered for first 48 hours
    • Hospitalisation & Related Costs – Up to 300,000 PHP
    • Pre-existing Conditions (Dreaded & Non-Dreaded) – Covered up to 300,000 PHP

    Diagnostic & Therapeutic Procedures

    • Standard Diagnostic Procedures – Up to 300,000 PHP
    • Arthrocentesis – Up to 6 sessions/year
    • CPAP Titration for Sleep Study – Up to 60,000 PHP per year (shared for OP & IP)
    • Dialysis (outpatient) – Up to 12 sessions/year
    • Non-Oral Chemotherapy – Up to 12 sessions/year
    • Oral Chemotherapy – Up to 60,000 PHP per year (shared for OP & IP)
    • Physical & Occupational Therapy – Up to 12 sessions/year
    • Brachytherapy – Up to 12 sessions/year
    • Cobalt Therapy – Up to 12 sessions/year
    • Linear Accelerator Therapy – Up to 12 sessions/year
    • Radioactive Cesium Therapy – Up to 12 sessions/year
    • Radioactive Iodine Therapy – Up to 12 sessions/year
    • Transurethral Microwave Therapy of Prostate – Up to 25,000 PHP per year (shared for OP & IP)
    • Stapled Hemorrhoidectomy – Up to 5,000 PHP per year (shared for OP & IP)
    • Mammotome – Up to 5,000 PHP per year (shared for OP & IP)
    • 4D Ultrasound (non-maternity) – Up to 5,000 PHP per year (shared for OP & IP)
    • Esophageal Manometry – Up to 5,000 PHP per year (shared for OP & IP)
    • Intensified Modulated Radiotherapy – Up to 5,000 PHP per year (shared for OP & IP)
    • Botox (non-cosmetic) – Up to 5,000 PHP per year (shared for OP & IP)
    • Positron Emission Tomography (PET) Scan – Up to 5,000 PHP per year (shared for OP & IP)
    • CT Pulmonary Angiography – Up to 5,000 PHP per year (shared for OP & IP)
    • Photodynamic Therapy – Up to 5,000 PHP per year (shared for OP & IP)

    Emergency Care

    • ER Services (doctor, X-rays, diagnostics) – Up to 300,000 PHP
    • Non-Affiliated Hospitals – Reimbursable up to 80% (max 30,000 PHP per availment)
    • Overseas Emergency Treatment – Reimbursable up to 30,000 PHP per availment
    • Ambulance (Affiliated to Affiliated) – Up to 300,000 PHP
    • Ambulance (Non-Affiliated to Affiliated) – Reimbursable up to 2,500 PHP per trip

    Maternity Benefits

    • Normal Delivery – Up to 25,000 PHP
    • C-Section Delivery – Up to 25,000 PHP
    • Maternity Complications – Up to 25,000 PHP

    Annual Check-Up

    • CBC, X-Ray, Urinalysis, Fecalysis – Covered
    • ECG (35+ years old) – Optional
    • PAP Smear (35+ years old) – Optional

    Dental Care

    • Oral Consultation & Emergency Treatment – Covered
    • Oral Prophylaxis – Up to 2 sessions/year
    • Permanent Filling – Up to 2 teeth/year

    Special Conditions

    • Congenital Conditions – Up to 60,000 PHP per year
    • Scoliosis Treatment – Up to 20,000 PHP per year
    • Vaccines for Animal Bites & Tetanus – Up to 40,000 PHP per year
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