This is an insured program that requires a fixed premium (per enrollee) for a corresponding set of benefits. This healthcare delivery system provides convenient access to cashless medical treatment through a network of first-rate hospitals and clinics nationwide.

1. Comprehensive HMO Program: This extensive program package covers In-Patient Care, Outpatient Care, Emergency Services, Preventive Care, Annual check-up, Dental Coverage, and Financial Assistance in case of accidental or natural death.
2. Unbundled Programs: This presents clients with to choose only select components of the Comprehensive HMO Program that they deem to be suitable for their members.
   • In-Patient Only – This provides coverage for hospital admission due to illness or accident.
   • Outpatient Only – This provides coverage for outpatient consultations, laboratory tests, and treatment for cases that do not require hospital admission.
   • ER Coverage Only – This provides coverage for sudden and unexpected life threatening situations where urgent medical attention is necessary.