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 toward larger organisations, leaving smaller businesses working twice as hard to stand out. A strong Health Maintenance Program (HMO) changes that. It shows real commitment to the wellbeing of your people and becomes a powerful tool for both attraction and retention.

More than a corporate responsibility, a competitive HMO is a strategic advantage. A healthy workforce brings stability, lifts 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 Prime was created specifically for small and medium sized businesses. The goal is simple. Give SMEs access to comprehensive medical benefits at reasonable price points while keeping the quality of care strong.

Howden Prime gives you:

  • Value for money HMO
    We help you manage your costs without cutting corners. 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)

  • No minimum premium required
  • Ideal coverage for every employee
  • Tailored to your company size and needs
  • Exclusive partner provider: Oona Insurance Philippines

  • 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 takes the pain out of claims

Big benefits built for small and growing teams. Our Employee Benefits solutions, once available only to large corporate groups, are now shaped specifically for SMEs. Whether you have one employee or five hundred, our dedicated Account Management Teams deliver enterprise grade coverage, personalised service and smart support tools to meet your needs today.

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