Howden Prime for SMEs

Employees’ health at the heart of business success.

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SMEs in the Philippines face a tough battle for talent. Many applicants naturally gravitate towards larger organisations, leaving smaller businesses working twice as hard to stand out. A strong employee benefits programme changes that. It signals real commitment to your people’s wellbeing and becomes a powerful tool for both attraction and retention.

More than a corporate responsibility, a competitive employee benefits programme is a strategic advantage. A healthy workforce brings stability, boosts productivity and fuels long-term growth. At Howden, we understand how much it matters to feel supported. When employees know their health needs are taken care of, engagement rises and the whole organisation feels the difference.

Howden Prime

Your employees deserve the best

Howden Philippines created Howden Prime with one clear goal: to give small and medium-sized businesses access to a benefits programme built specifically for them. It’s a thoughtfully designed solution that brings together comprehensive medical cover, strong quality of care, and pricing that makes sense for growing businesses.

Howden Prime gives you:

  • Value for money
    We help you maximize your investment. You get a plan that fits your budget while still giving your people the healthcare support they need.
  • Market leading coverage
    We benchmark across the industry to design competitive, relevant and high value coverage for your team.
  • Personalised service at every stage
    Whether you are hiring your first employee or managing a team of five hundred, you get a dedicated Account Management Team. Our hybrid service model blends expert guidance with smart technology so you always feel supported.

Our Product Lines

  • Available for start ups and SMEs with 1 to 300 employees
  • Eighteen comprehensive HMO plans to choose from
  • Wider eligibility scope than standard SME offerings
  • Access to dedicated medical institutions
  • Exclusive HMO partner: Insular Healthcare (iCare)

 

  • Available for companies with 1 to 500 employees
  • No minimum premium required
  • Ideal coverage for every employee
  • Tailored to your company size and needs

 

  • Available for companies with 1 to 500 employees
  • No minimum premium required
  • Higher than usual no evidence limit for employees over age 65
  • No reduction formula
  • Ideal comprehensive coverage
  • Exclusive partner provider: First Life Financial

 

Man reviewing documents while speaking on the phone and working on a laptop, representing support and easy communication for SMEs.

Why work with Howden

  1. Save time with smooth policy transition, clear communication and automated tools that simplify administration.
  2. Optimise resources with strong market access, expert cost analysis and sustainable benefit design.
  3. Feel confident with client focused strategies, performance tracking and advisory support from trusted broking specialists.

Our in-house team is with you every step of the way

Competitive benefits, built for small and growing teams. Our employee benefits solutions, once reserved for large corporate groups, are now designed specifically for SMEs. Whether you have one employee or five hundred, your dedicated Account Management Team delivers enterprise-grade coverage, personalised service, and smart digital tools that make it easy for your people to access the support they need, when they need it.

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