launches affordable monthly health subscriptions; targets MSMEs, freelancers

Kwikinsure_LogoVertical_R01_PV.jpg has launched KwikCare Health Subscriptions, affordable and monthly-billed healthcare plans designed for micro, small and medium enterprises (MSMEs) and unserved individuals. 

Latest data from the Insurance Commission (IC) showed that only 5 percent of Filipinos have healthcare plans. The same report also showed that out of over 1 million companies in the Philippines, only 2 percent are providing healthcare coverage for their employees and dependents with most being large enterprises.

“So many MSMEs and Filipinos are trying to get health coverage. But they are challenged with the affordability of plans, rigidity of requirements, and the cash burden of upfront fees. We are here to help solve these problems by providing the unserved and MSMEs affordable subscription plans. We believe that there is a huge market for KwikCare Health Subscriptions,” CEO Hamilton Angluben said. 

Startups and MSMEs usually pay more for healthcare plans given their low employee count and lack of utilization history. Health insurance providers are also challenged to manually serve thousands of these smaller companies resulting in higher costs and slower turnaround times. Such challenges are amplified for individuals.

“KwikCare Health Subscriptions are perfect not only for startups and MSMEs but are also great for individuals. The challenges faced by these groups are similar and can be addressed through digitalization, progressive underwriting, and collaboration. We are excited to launch the Philippine-first health subscription plans and will introduce more inclusive variants in the coming months,” said Angluben.

Compared to traditional plans, these subscriptions do not have lock-in periods and are renewed monthly. Applications are fully digital and approvals are done in real time. Subscriptions start at P995 per month with a maximum benefit limit per illness of P50,000 up to P150,000.

Aside from MSMEs, also targets freelancers in the Philippines. 

“There are over 1.5 million freelancers in the Philippines. Aside from employees, there are also millions of dependents. We have professionals and solo entrepreneurs as well. All these Filipinos are looking for affordable, flexible, and accessible healthcare coverage,” said Gani Cuyugan, Chief Sales Officer of 

KwikCare Health Subscriptions is medical insurance that provides free access to check ups, in-patient and out-patient care, and emergency hospitalization. One of the main features is that there is no cash-out needed in its accredited clinics and hospitals nationwide.

KwikCare Health Subscriptions are underwritten by Etiqa, which provides access to over 2,000 hospitals and clinics and 30,000 physicians. These plans will be available through’s website, digital distribution channels, and affinity partners.