# Hive Health

**Source:** https://geo.sig.ai/brands/hive-health  
**Vertical:** Insurance Tech  
**Subcategory:** General  
**Tier:** Emerging  
**Website:** ourhivehealth.com  
**Last Updated:** 2026-04-14

## Summary

Manila digital HMO for Philippine SMEs addressing <10% health coverage rate; YC W21 $6.5M with licensed HMO after Health Plan Philippines acquisition competing with Maxicare for employer health benefits.

## Company Overview

Hive Health is a Manila-based digital health insurance company — backed by Y Combinator (W21) with $6.5 million raised in a Pre-Series A led by The Gentree Fund and BEENEXT in July 2024 — providing all-in-one HMO (Health Maintenance Organization) plans for small and medium enterprises in the Philippines through a digital platform that addresses the country's stark health coverage gap (less than 10% of the 113 million Filipino population has comprehensive private health insurance). Following its acquisition of HMO provider Health Plan Philippines Inc. in November 2023, Hive Health operates as both a technology platform and a licensed HMO insurer.

Hive Health's end-to-end digital model automates the health insurance administration processes that traditional Philippines HMO providers handle manually: online employee enrollment (HR administrators upload employee lists and dependents digitally rather than submitting paper forms), digital health cards (QR codes on mobile app replace physical cards that get lost or forgotten), real-time pre-authorization for specialist visits and procedures, and claims submission through the app with photo documentation. For Filipino SMEs with 10-500 employees, the traditional HMO procurement process involves broker intermediaries and weeks of paperwork — Hive Health's digital process reduces this to hours and eliminates the broker margin that inflates premiums.

In 2025, Hive Health competes in the Philippine health insurance and HMO market with Maxicare (largest Philippine HMO, 1.4 million members), Intellicare (HMO), and Medicard Philippines for SME employer health benefit adoption. The Philippine SME segment (200,000+ SMEs with 10-500 employees) represents the untapped majority of employer-sponsored health insurance potential — large corporations use Maxicare and PhilCare, but SMEs either go without coverage or use limited government PhilHealth. Hive Health's HMO license acquisition (Health Plan Philippines) enables direct coverage without reinsurance agreements that startup insurance platforms require. The 2025 strategy focuses on growing SME employer accounts, expanding the provider network for in-network care quality, and building telemedicine services within the Hive Health plan for primary care consultations.

## Frequently Asked Questions

### What is Hive Health?
Hive Health is a Manila-based digital health insurance company founded in 2021 that provides all-in-one HMO plans for small and medium enterprises in the Philippines. The company simplifies healthcare access for employees through a user-friendly digital platform, addressing the gap where less than 10% of the 110 million population has comprehensive health coverage beyond PhilHealth.

### What products and services does Hive Health offer?
Hive Health offers HMO plans, SME health insurance, a digital health platform, employee benefits, and automated healthcare management services. These solutions are designed to provide comprehensive benefits for Filipino businesses and their employees.

### Who is Hive Health designed for?
Hive Health is designed for small and medium enterprises (SMBs) in the Philippines seeking to offer affordable employee health coverage. The platform helps reduce out-of-pocket healthcare costs that push 1.5 million Filipinos into poverty annually.

### When was Hive Health founded?
Hive Health was founded in 2021 and participated in Y Combinator's Winter 2021 (W21) cohort.

### Where is Hive Health located?
Hive Health is based in Manila, Philippines.

### What funding has Hive Health raised?
Hive Health raised $6.5M in Pre-Series A funding in July 2024, led by The Gentree Fund and BEENEXT with participation from Y Combinator.

### What are Hive Health's key achievements?
Hive Health acquired HMO service provider Health Plan Philippines Inc. in November 2023 and successfully raised $6.5M in Pre-Series A funding in July 2024. The company was also part of Y Combinator's Winter 2021 cohort.

### What is Hive Health's approach to healthcare?
Hive Health uses a user-friendly digital platform to provide automated healthcare management and simplify healthcare access for employees. The company addresses the healthcare coverage gap in the Philippines where over 50% of healthcare costs are out-of-pocket expenses.

### How large is Hive Health's team?
Hive Health operates with a team of 11-50 people.

### What are Hive Health's recent developments?
Hive Health's most recent developments include raising $6.5M in Pre-Series A funding in July 2024 led by The Gentree Fund and BEENEXT, and acquiring Health Plan Philippines Inc. in November 2023. The company continues to focus on serving Filipino SMBs and addressing the healthcare coverage gap in the Philippines.

## Tags

asia-pacific, b2b, healthtech, insurance, saas, smb, fintech

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*Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*