We are a fund-based HMO, it is a pay-per-use program. The client deposits a certain
amount of fund, the member avails the medical benefit under the program, and at
the end of the contract year there is a form of rebate if ever the deposited fund
is not fully utilized. By enrolling in our program, you have access to our nationwide
affiliated network of medical provders with dedicated Patient Relations Officers
(PRO), and our 24/7 Call Center.