Life & Health HMP

What Life & Health HMP does

Life & Health HMP, Inc. is a Cebu-headquartered Health Maintenance Organization (HMO) registered with the Philippine Securities and Exchange Commission on October 1, 2009. The company provides managed healthcare plans and third-party administration services to corporations and small and medium enterprises (SMEs) across the Philippines, operating through five branch offices in Cebu City (headquarters), Manila, Davao, General Santos, and Butuan, supported by an accredited provider network spanning Luzon, Visayas, and Mindanao. Its service portfolio comprises two core programs — a Full-risk HMO Program (with demographics-based subscription pricing) and an Administrative Services Only (ASO) self-funded arrangement — alongside modular coverage modules for inpatient, outpatient, emergency, and preventive care, with optional add-ons including dental, annual physical exams, maternity cash assistance, and accidental death and dismemberment coverage.

The underlying platform is built around operational systems for member access and claims administration: an automated Letter of Authorization (LOA) system for outpatient diagnostics and doctor consultations (valid for 7 days from issuance), a reimbursement processing system with a 30-working-day turnaround for treatments at non-accredited facilities, a nationwide accredited provider directory, and digital self-service channels including online quote requests, LOA forms, consultation bookings, and reimbursement claims submissions. The CEO and founder is Leo Cerna.

The business model is a hybrid of recurring subscription revenue (per-member fees on Full-risk programs, priced per company demographics) and managed services revenue (administration fees on ASO arrangements where clients maintain revolving claims funds). Go-to-market is sales-led, targeting enterprise and mid-market buyers through direct branch sales, complemented by digital lead capture via the corporate website and a Facebook presence. Pricing is quote-based and not publicly disclosed. The company is privately held with no disclosed parent company, no funding rounds, and no M&A activity.

Name

Life & Health HMP

Legal name

LIFE & HEALTH HMP, INC

Website

https://lifeandhealthhmp.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Short description

Life & Health HMP is a Cebu-headquartered Philippine HMO providing full-risk and ASO managed healthcare plans to corporations and SMEs across Luzon, Visayas, and Mindanao via a multi-branch office network and nationwide accredited provider directory.

Ownership category

akta.pro rank

Product category

Health Maintenance Organization (HMO) Services

NAICS

HMO Medical Centers (621491)

SIC

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

akta.pro primary industry

Network-Model HMOs (HLAEAMAC)

akta.pro secondary industry

Group HMO Plans (FSAIAFAK)

Keywords

• HMO healthcare plans
• Corporate health insurance
• Healthcare administration services
• Employee health benefits
• Medical provider network

Headquarters

HQ city

Cebu City

HQ country

Philippines

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. HMO Membership Programs: Full-risk HMO program with comprehensive healthcare package and defined benefits, with membership fees computed based on company demographics.
2. Administrative Services Only (ASO): Third-party administration program for self-funded companies where clients set up revolving funds from which claims and availment costs are drawn.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Life & Health HMP provides Health Maintenance Organization (HMO) plans and healthcare administration services to corporations and SMEs in the Philippines. Its core offerings include a Full-risk HMO Program with comprehensive defined benefits priced on company demographics, and an Administrative Services Only (ASO) third-party administration program for self-funded clients. Members access care through a nationwide accredited provider network supported by automated Letter of Authorization (LOA) processing and a reimbursement service for non-accredited facilities.

Product overview

Life & Health HMP operates as a unified Health Maintenance Organization (HMO) platform offering corporate healthcare solutions across the Philippines. The core offerings consist of two main program types: the Full-risk Program (a comprehensive HMO package with demographics-based pricing) and Administrative Services Only (ASO, a self-funded third-party administration model). Both programs are supported by integrated service modules including Outpatient Care, Inpatient Care, Emergency Care, and Preventive Care, with Optional Benefits available as add-ons. The platform also provides supplementary services for member availment including Out-Patient Diagnostic LOA processing, Doctor Consultation scheduling, Reimbursement Processing for non-accredited facilities, and a Physician Affiliation Program for network credentialing. The company maintains a nationwide network of accredited medical facilities and professionals across Luzon, Visayas, and Mindanao regions.

Differentiator

Problem solved

Functional benefit

Products and services

• Full-risk Program A comprehensive HMO program with defined healthcare benefits where membership fees are computed based on company demographics, offering unlimited consultations, inpatient care, emergency services, and preventive care for corporate employees.
• Administrative Services Only (ASO) A third-party administration program designed as a self-funded arrangement where clients set up a revolving fund from which claims and availment costs are drawn, aimed at self-funded companies seeking administrative support.
• Out-Patient Diagnostic (OPD) Services Outpatient diagnostic services with Letter of Authorization (LOA) processing for laboratory tests and procedures at accredited medical facilities, with generated LOAs valid for 7 days from issuance.
• Doctor Consultation Services Doctor consultation services with LOA processing for appointments with accredited physicians, with generated LOAs valid for 7 days from issuance.
• Reimbursement Processing Reimbursement service for treatments at non-accredited facilities, processed within 30 working days upon receipt of complete required documents.
• Physician Affiliation Program Program for physicians to join the company's accredited network, requiring PRC license, PHILHealth accreditation, and tax documentation for credentialing.

Quantifiable outcome

• 30 working days reimbursement processing turnaround

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Medicare Plus (MediCard / HMI Philippines): Philippine HMO operator providing corporate health plans and network-based services; comparable direct competitor for SME and corporate accounts.
• Maxicare Healthcare Corporation: The largest HMO in the Philippines, providing corporate and individual health maintenance plans through a nationwide provider network — directly competing with Life & Health HMP in the same product category and customer base.
• Kaiser International Healthgroup Inc. Philippine HMO with nationwide provider network and corporate focus; another directly comparable mid-size HMO competing for the same employer-sponsored accounts.
• Medicard Philippines: Established Philippine HMO providing health card programs and corporate plans with nationwide accredited hospitals and physicians; competes head-to-head for corporate and SME accounts.
• Intellicare (Asalus Corporation): Major Philippine HMO serving corporate and SME clients through a network of accredited providers and hospitals; a like-for-like competitor offering full-risk programs analogous to Life & Health HMP's core product.
• Asian Life & Assistance Corporation: Philippine HMO/healthcare provider serving corporate clients and SMEs across the country; direct competitor for employer-sponsored HMO programs with similar nationwide delivery model.
• PhilhealthCare Inc. (PHCI): Philippine HMO offering corporate and individual health maintenance organization products; comparable in scale and product mix to Life & Health HMP with similar customer segmentation.

Broad incumbents

• Sun Life of Canada (Philippines) — Grepa Healthcard: Major Philippine life insurer offering group health and HMO-type products as part of a broader employee-benefits portfolio; competes for corporate health benefits spend but from a financial-services parent.
• Cocolife (Coconut Mutual Benefit Association): Multi-line Filipino insurance and HMO provider operating at significantly larger scale; offers corporate HMO programs alongside life and non-life products, making it a broader incumbent competitor.
• InLife (Insular Life): Large Filipino life insurer with group health products; broader incumbent offering some HMO-like benefits within a wider insurance portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/lifeandhealthhmp
• LinkedInlinkedin.com/company/life-and-health-hmp-incorporated

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Life & Health HMP