What Hive Health does

Hive Health is a digital-first health insurance company operating in the Philippines under Singapore-incorporated parent Hive Health Pte Ltd, with its Philippine operating entity Hive Health Philippines, Inc. headquartered in Pasig City. Founded in 2021 by Harvard/Stanford alumni Camille Ang (CEO) and Jiawen Tang (President), the company provides HMO (Health Maintenance Organization) plans to small and medium-sized enterprises (SMEs) and growing enterprises in the Philippines, exclusively serving corporate clients with a minimum of 10 employees (3 employees per some website statements). Pricing is annual subscription, ranging from P7,000 to P40,000 per employee per year, with coverage limits spanning P50,000 Annual Benefit Limit (ABL) to P500,000 Maximum Benefit Limit (MBL).

The core product is an integrated technology platform composed of the Hive Member Portal (for self-service provider search, LOA requests, claims filing, electronic medical records, and teleconsult scheduling) and an HR Dashboard (for member enrollment/termination, APE result visibility, and invoice management with a 1-business-day SLA). Service delivery is underpinned by the company's wholly-owned subsidiary Health Plan Philippines, Inc. (HPPI), one of the oldest licensed HMOs in the Philippines (incorporated 1986, Insurance Commission license HMO-2026-04-R, AHMOPI founding member), which provides a nationwide accredited provider network of 1,700+ hospitals, clinics, and dental clinics and 20,000+ doctors (up to 60,000+ providers per alternate sources).

Hive Health generates revenue exclusively through annual recurring HMO premiums from corporate clients, distributed through a direct sales motion (Get a Quote / Book a Call CTAs, 1-day proposal SLA, 4-day onboarding) and supported by provider-network referrals and content marketing. The company is backed by Y Combinator, Gentree Fund, BEENEXT, Amasia, Flybridge, and Oak Drive Ventures, having raised a total of $6.5 million in a July 2024 Pre-Series A round led by Gentree Fund and BEENEXT. Since launch in 2021 the company reports 8x growth and serves hundreds of SMEs across industries including fintech (PDAX, InvestEd, Netbank), consumer (Chatime), education (Khan Academy), and impact/social enterprise (Villgro Philippines, Kaya Founders).

Name

Hive Health

Legal name

Hive Health Philippines, Inc.

Website

https://ourhivehealth.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Hive Health is a Philippines-based digital health insurer that provides tech-enabled HMO plans exclusively to SMEs and growing enterprises. Operating via its licensed subsidiary HPPI, it delivers a digital member portal, HR dashboard, teleconsults, and access to a nationwide network of 1,700+ hospitals and 20,000+ doctors on annual subscription premiums.

Ownership category

akta.pro rank

Product category

Health Insurance (HMO Services)

NAICS

HMO Medical Centers (621491), Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324), Services-Health Services (8000)

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industries

Integrated Virtual-First Health Plans / ICHRA-Enabled Virtual Primary Care (HLALADAL), Employer Wellness & Population Health Programs (HLAEAAAH), Behavioral Health Benefit Administration (MBHO Core) (HLAEAHAA)

Keywords

• HMO health plans
• Digital health insurance
• Corporate healthcare benefits
• Teleconsultation services
• Employee health coverage

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. HMO Plan Premiums: Hive Health generates revenue through annual subscription premiums for HMO health plans offered to corporate clients. Plans range from P7,000 to P40,000 per employee per year depending on headcount, company industry, network access, and coverage limits (P50,000 ABL to P500,000 MBL). Revenue is recurring annually with contract renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Hive Health provides digital-first HMO health plans for small and medium enterprises (SMEs) and growing enterprises in the Philippines, enabling employees to access inpatient, outpatient, emergency, dental, mental health, maternity, teleconsult, and preventive care services through a nationwide provider network powered by subsidiary HPPI. The company delivers these plans via a member portal, an HR dashboard, and an in-house teleconsult platform, with annual subscription premiums priced per employee based on coverage limits (ABL or MBL structures).

Product overview

Hive Health is a digital health insurance company offering integrated HMO (Health Maintenance Organization) plans for SMEs and growing enterprises in the Philippines. The company operates through its HMO subsidiary HPPI (Health Plan Philippines, Inc.), an established HMO licensed by the Insurance Commission since 1986. The product portfolio centers on the Hive Portal (member-facing platform) and HR Dashboard for managing health benefits. Core offerings include ABL and MBL-structured HMO plans with coverage for inpatient, outpatient, emergency care, dental, mental health, maternity, teleconsults, and preventive care (Annual Physical Exams). The platform enables digital-first care availment through Letter of Authorization (LOA) requests, reimbursement claims processing, and provider search across a nationwide network of 1,700+ hospitals, clinics, dental clinics, and 20,000+ doctors.

Differentiator

Problem solved

Functional benefit

Products and services

• HMO Health Plans for SMEs Comprehensive digital health insurance and HMO plans for SMEs and growing enterprises in the Philippines. Coverage includes inpatient, outpatient, emergency care, dental coverage, mental health, maternity benefits, teleconsults, annual physical exams, and medicine reimbursement. Plans range from P7,000 to P40,000 per employee per year with coverage limits from P50,000 to P500,000. Minimum headcount of 10 employees required.
• Hive Member Portal Digital member portal for employees to search for accredited providers, request Letters of Authorization (LOAs), file reimbursement claims, view electronic medical records including post-teleconsult doctor forms and APE results, schedule teleconsults and Annual Physical Exams, and access comprehensive medical history in one place.
• HR Dashboard Self-service platform for HR teams to add and terminate members with 1 business day SLA, view employee APE results and Pre-Employment Medical Exam (PME) requests, view invoice breakdowns, upload proof of payment, and receive soft copies of official receipts.
• Teleconsult Services Video consultation service providing members access to Hive Health's in-house network of primary care doctors, specialist doctors, and mental health physicians and psychiatrists. Members can self-schedule teleconsults directly from the Hive Portal.
• HPPI (Health Plan Philippines, Inc.) - HMO Subsidiary HMO service provider and Hive Health's wholly-owned subsidiary, licensed by the Insurance Commission (License #: HMO-2026-04-R). HPPI provides the licensed HMO infrastructure and powers access to a nationwide network of 1,700+ hospitals, clinics, dental clinics, and 20,000+ doctors.

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Health Plan Philippines, Inc. (HPPI)coreStrategic or Co-development Partner · 1 November 2023Acquired HPPI, one of the oldest HMOs in the Philippines and founding member of AHMOPI, incorporated in 1986. HPPI provides the extensive nationwide provider network of 1,700+ hospitals and 20,000+ doctors that powers Hive Health's services. HPPI is licensed by the Insurance Commission (# HMO-2026-04-R).
• Major Philippine Hospitals & ClinicscoreOthersExtensive network of accredited providers including St. Luke's Medical Center, Asian Hospital, Chonghua, The Medical City, Healthway, Hi-Precision, and hundreds of other hospitals, clinics, and dental clinics nationwide enabling cashless healthcare access for members.
• PhilHealthcoreOthersIntegration with PhilHealth (Philippine Health Insurance Corporation) required for all HMO claims processing. PhilHealth benefits are deducted first before HMO coverage applies per Philippine regulations.

Scale indicators7 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Oscar Health: US tech-enabled health insurance company with an integrated digital member experience and provider partnerships; a comparable technology-led, customer-centric health insurer, although operating at far larger scale and in a different regulatory regime.
• Alan (France): Digital-first health insurance company serving SMEs and employees across Europe with an integrated app-based experience; a comparable tech-led HMO/health-insurer model, though operating in a different geography.

Broad incumbents

• Etiqa Philippines: Philippine life and health insurer serving corporate group clients; offers comparable employer-sponsored health insurance products, with backing from the Malaysian Etiqa group.
• Cocolife: Philippine insurance/HMO provider offering group health plans to corporate clients; less digital-first than Hive but competes for similar SME and enterprise customers.
• AXA Philippines: Global insurer with significant Philippine group health offerings to corporate clients; broader portfolio than Hive but overlaps in employer-sponsored health benefits for enterprises.
• Sun Life of Canada (Philippines): Large incumbent insurer offering group health and life coverage to Philippine employers; competes in the same employer-sponsored health insurance category as Hive but as part of a broader life and health insurance portfolio.

Direct peers

• Maxicare Healthcare Corporation: One of the largest and oldest HMOs in the Philippines, providing employer-sponsored HMO plans with a nationwide provider network — directly comparable in product (group HMO) and customer (corporate Philippines), though at much larger scale than Hive.
• Medicard Philippines: Major Philippine HMO offering corporate group health plans with hospital networks; competes with Hive for the same SME and enterprise segment in the Philippines using a similar HMO/premium model.
• Intellicare (AsiaCare Health Systems): Established Philippine HMO with corporate accounts and a multi-thousand provider network; a direct competitor to Hive in employer-sponsored HMO plans, particularly for SMEs and growing enterprises.

Others

• PhilHealth: Philippine government national health insurance program; not a competitor (HMO plans coordinate with PhilHealth for claims) but shapes the regulatory and competitive environment for every Philippine private HMO including Hive.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/ourhivehealth
• LinkedInlinkedin.com/company/our-hive-health

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hive Health