
ABOUT RMSi
RIMANSI Mutual Solutions Insurance Agency, Inc. (RMSI) is a social enterprise that aims to make available a variety of high quality and affordable risk-free micro insurance products and services to uninsured and underinsured low-income Filipinos.
Our Company was established on October 2013 by Pioneer- members of Microinsurance Mutual Benefit Association of the Philippines (MIMAP) formerly known as RIMANSI Organization for Asia and the Pacific which has been in existence for the last fifteen (15) years. These organizations share a common desire for helping Filipinos rise out of poverty. The most recognizable names behind the establishment of RMSI are ASKI-MFI and CARD MRI, the two (2) biggest microfinance institutions in the Philippines.
To deliver our products and services throughout the Philippines, we work through network organization which include cooperatives, rural banks, microinsurance institutions, corporations and even schools.
Our products
We work closely with out partners' insurance providers to ensure that our products are appropriate and responsive to our client's needs.
Dakila

AgapaySaBrgy

Pamilyang Panalo Program o 3P's

Group Personal

ProtekTahanan

NegoSure

Calamity Aid

HMO for Members(MBA's, MFI's, Cooperatives & Bank Partners)
Yakap HMO

Corporate, Employees and SME'S
HMO(Employees)

Individual and Family HMO Prepaid Products
Agapay700

DengueRX(Kids)

ER Shield

Unli-Consult(Adult)

Unli-Consult(65+)

Vision and Mission
Vision
To be a reliable in the Risk Protection and ManagementMission
To provide partner MFI's, MBA's and Insurance AGENCIES access to affordable and high quality risk protection management products and services for the income sectorOur Team
Board of Directors
Dr. Efipanio A. Maniebo
Chairman/President & CEO (RMSI)Ms. Mercedes G. Faustino
Secretary (KCCDMFI)Mr. Vener S. Abellera
Treasurer (CaMIA)Mr. Arnold M. Parcutilo
Member (PAGLAUM)Ms. Judylyn F. Joven
Member (KDCI)Ms. Marycel V. Pamintuan
Board Member (KGMI)Ms. Rowena M. Lubiano
Member (SJMPC)Ms. Jocelyn D. Dequito
Member (MIMAP)Mr. James Lyndon B. Lacap
Member (ASKMSDI)Ms. Vida T. Chiong
Independent DirectorMr. Jun Jay E. Perez
Member (MiMAP)Mr. Wilfredo M. Llanto
Advisory Board MemberClients Testimonials
Add Description
Ano ang naitulong sa inyo ng Dakila Plan?

Amor Cadarit
CARD Bank Member &, Guinyangan Quezon
Ano po ang naging tulong at benepisyo ng YAKAP HMO?

Susie Layante
KDCI Client &, Tanza Cavite
Ano ang kahalagahan ng insurance sa inyong company?

Mr Mario Raymundo
General Manager &, Primoris Manpower Services and Investigation Agency
RMSi INCORPORATORS

Contact Us
Address
1706 MEDICAL PLAZA ORTIGAS BLDG. SAN MIGUEL AVE. ORTIGAS CENTER PASIG CITYPhone Number

DAKILA PLAN Kwarta at Kahon Program
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*Para sa Death Benefit, may option na i-convert ang bahagi ng benepisyo sa memorial service. P10,000 ang matatanggap na cash ng banepisyaryo at P30,000 ang ilalaan para sa serbisyo ng accredited funeral homes.
+ Walang Pre-medical Requirement: Hindi kailangan ng dokumento o ebidensya ng kalusugan. Kailangan lamang na nakagagawa ng mga pang araw-araw na gawain sa oras ng pagkuha ng plano.
+ Isang (1) Taong Proteksyon: Isang (1) taong proteksyon na kailangang bayaran muli pagkatapos ng Maturity Date. Kapag hindi nabayaran ang premium sa takdang panahon na 14 na araw mula sa maturity date, ang plano ay muling ituturing na bago (new) at ang nakaseguro ay dadaan muli sa isang taong contestability period.
+ Benepisyaryo: Ang taong itinalaga ng nakaseguro para makatanggap ng cash assistance kung sakaling mamatay ang naka-seguro.
+ MANDATORY enrollment ng miyembro = NO Contestability Period
+ VOLUNTARY enrollment ng miyembro = One (1) year Contestability Period
Hindi maaaring ilipat ng nakaseguro ang kanyang Dakila Plan kanino man. Ito ay non-transferable plan.

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(Life Only) |
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**EXIT AGE: 76 years old
Death Benefit
In the event of death of the Insured Individual due to any cause, the Insurer shall pay the amount of Death Benefit as specified for such Insured Individual.

*Maximum amount na maaaring matanggap
**Ang life benefit ay may 1 year contestability period.
Sino ang pwedeng maging Principal na Nakaseguro?
-18-64 taong gulang na nakagagawa ng mga pang araw-araw
na gawaing mag-isa, tulad ng pagkain, pagligo, pagbihis, pagbanyo,
at paglakad
Sino ang mga dependents na maaaring maseguro?
• Legal na asawa, 18 hanggang 64 taong gulang
• Hanggang apat (4) na anak, isang (1) araw hanggang 20 taong
gulang, hindi kasal, umaasa sa pinansyal na pangangailangan
at nakatira sa Principal na Nakaseguro

P50,000 - Loss of Employment Benefit
Benepisyong makukuha kung ang Insured OFW ay:
- mawalan ng trabaho dahil sa pag-terminate
ng employer ng kanyang employment
- ma-repatriate pabalik ng Pilipinas sa kondisyon
na ang Notice of Termination ay naibigay sa kanya
ng employer 30 araw makalipas ang Effectivity Date
P50,000 - Accidental Death and Disablement Benefit
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Pagkaputol ng dalawang kamay o dalawang paa o pagkabulag ng dalawang mata |
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Pagkaputol ng isang kamay at sang paa o alin mang kamay o paa at pagkabulag ng isang mata |
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Pagkaputol ng isang kamay o isang paa o pagkabulag ng isang mata |
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Sino ang maaaring bumili ng RMSI Panatag OFW?
-Ang mga kasapi ng RMSI MBA at kaanak nila, mga
kasapi ng kaanib na institusyon at lahat ng may
edad 18 hanggang 65 taong gulang. Ang applicant
na bumili ng insurance para sa OFW ang siya ring
magiging benepisyaryo na tatanggap ng cash
assistance.

COVERAGE(Benefit Description) |
(in Philippine Peso) |
Accidental Death and Dismemberment Benefit (ADDB) |
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*Unprovoked Murder and Assault (UMA) |
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Accident Medical Expense (AME) |
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Daily Accident Hospital Benefit (DAHB) |
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Burial Benefit (BB) |
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Calamity Aid (Fire/Lightning) |
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+ Accident –Unintentional, Unforseen event causing injury or death
+ Cover losses within 180 days from the date of Accident
+ Provides benefits for bodily injuries based on a Schedule of Losses
+ Benefits for injuries caused by food poisoning, animal bites (except mosquito bites), and Acts of Nature
+ Unprovoked Murder and Assault

INDIVIDUAL PLAN
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FAMILY PLAN
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Sino and maaring maseguro
-Mga indibidwal na nasa edad 1-70 taong gulang, nasa mabuting kalusugan at nakagaganap ng pang-araw-araw na gawain
Aksidente na nagdulot ng: |
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+pagkamatay |
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+pagkaputol ng dalawang kamay o dalawang paa o permanenteng pagkabulag ng dalawang mata |
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+pagkaputol ng isang kamay at pagkabulag ng isang mata |
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+pagkaputol ng isang kamay at isang paa |
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+pagkaputol ng isang kamay o isang paa o pagkabulag ng isang mata |
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-Pagkasira ng bahay ng nakaseguro kung saan siya naninirahan sanhi ng sunog
-Hindi sakop ang sadyang pagsunog at sunog na sanhi ng giyera o labanang militar.

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Accidental Death Disablement Benefit (ADDB) |
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Fire/Lightning |
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Typhoon/Flood |
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Earthquake |
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*One Year Coverage
Lahat ng mga regular na miyembro ng Association Group, na hindi bababa sa labing walo (18) ngunit hindi hihigit sa animnapu't apat (64) taong gulang, dapat maging karapat-dapat para sa seguro sa kondisyon na aktibo siyang gumaganap ng kanyang pang-araw-araw na normal na gawain sa buhay at nasa mabuting kalusugan.
Ang Seguro ay hindi mananagot sa anumang isang pagkawala para sa anumang isang sakop na pag-aari para sa higit sa halaga ng tulong na cash na nakasaad sa Policy. Sa kaganapan na maraming mga nakaseguro ay naninirahan sa parehong sakop na pag-aari, ang tulong na cash ay limitado sa kabuuang pinagsamang halaga ng tulong na salapi tulad ng ipinahiwatig sa Policy.

PREVENTIVE CARE
A service that defends against illnesses and possible health emergencies.
OUTPATIENT CARE
A medical care provided on outpatient basis such as medical consultations and the like.
EMERGENCY CARE
Medical care provided for the immediate treatment or relief of life-threatening conditions.
INPATIENT CARE OR CONFINEMENT
A medical service that requires hospital admission.
DENTAL CARE
Care provided to maintain good oral health.
FINANCIAL ASSISTANCE
+ Natural Death – Php10,000
+ Accidental Death – Php10,000
+Other losses incurred due to accidental disablement is subject to schedule of indemnities
+ Membership is open to MI-MBA, MFI and RMSI Cooperative members ages 18 up to less than 65 years old based on actual age at the time of enrollment.

Healthy employees are productive employees, and productive employees make healthy business. Invest in the healthcare of your employees now!
Companies with as few as 5 employees can get HMO coverage from PhilCare for as low as P6000/person.

Age Eligibility and Validity
PhilCare Agapay 700 is for age 16 to 65 years old and is valid for 1 year upon activation date. Benefits starts 7 days after activation date. The voucher is non-transferable once activated
Outpatient Emergency Care and Hospitalization Care Benefits:
PhilCare Agapay 700 * gives you a one-time coverage up to Php 40,000 for viral, bacterial illnesses and treatment of injuries resulting from accidents (except stroke) ** In more than 500 accredited hospitals nationwide excluding six (6) major hospitals in Metro Manila (Makati Medical Center, St. Luke’s Medical Center (QC and Global), Asian Hospital and Medical Center, The Medical City, and Cardinal Santos Medical Center).
The Coverage is inclusive of the following benefits:
+Room and board (Ward Room)
+Doctors’ fees
+Laboratory and diagnostics procedures
+ Special modalities of treatment as medically necessary during ER and confinement, subject to P5,000 inner limits
+Medicines (except vaccines) as medically necessary during ER and confinement except for cases
declared as non-coverable **, subject to standard inner limits
+Diagnostic and therapeutic procedures as medically necessary during ER and confinement
Emergency cases are the sudden, unexpected onset of illness or injury, which at the time of contract reasonably appeared as having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort. Emergency cases include but are not limited to the following: (a) Massive Bleeding; (b) Acute Appendicitis; (c) Fractures/multiple injuries secondary to PhilCare Agapay 700 accidents; (d) Convulsions; (f) illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and (h) Syncope. Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered. **
Other Additional Benefits:
Ambulance Service (Outright coverage within Metro Manila, reimbursable up to Php 5,000 when outside Metro Manila)
Emergency and Hospitalization Availment:
+ ER personnel will facilitate the approval of your availment thru reaching our contact center to verify your membership eligibility and health coverage. The final medical diagnosis is the basis for PhilCare’s approval of coverage.
+ Once approval has been provided, request for cancellation of approval to reactivate membership is not allowed.
+ Co-pay amount of Php 10,000 kicks in first prior to PhilCare coverage on outpatient emergency care and hospitalization

Age Eligibility and Validity fk
Dengue RX Plus for Kids is for age 20 years old and below . It is valid for 1 year upon activation date. Benefit coverage starts 30 days after activation date. This health voucher / certificate of coverage is non-transferrable once activated.
Inpatient Care Benefits:
Dengue RX Plus for Kids you provides you a multiple-use benefit up to Php 30,000 for hospitalization due to Dengue. Accepted in more than 500 accredited hospitals nationwide including six (6) major hospitals (Makati Medical Center, St. Luke’s Medical Center in QC and Global, Asian Hospital, The Medical City, Cardinal Santos Medical Center) and classified hospitals (Manila Adventist and Notre Dame de Charles Hospital).
Dengue RX Plus for Kids is inclusive of the following benefits:
+Room and board (Member Preference)
+Doctors’ fees
+Laboratory and diagnostics procedures according to algorithm set by DOH for Dengue case
+ Medical supplies and medications
Other Additional Benefits:
P10,000 accidental death and disability coverage
Hospitalization Availment:
Member must present a copy of the COC together with valid identification at identified PhilCare- Hospital personnel will facilitate the approval of availment by reaching our contact center to verify membership eligibility and health coverage. The final medical diagnosis is the basis for PhilCare’s approval of coverage. Please note that the coverage of this health plan is based on the final medical diagnosis of a Dengue case. The initial presentation of symptoms may indicate Dengue for which a PhilCare In-Patient Letter of Authorization (LOA) may be issued. However, this may be invalidated and revoked if it is shown in the course of medical treatment that the case is not related to Dengue illness. If the final diagnosis is not Dengue, reactivation of benefits is allowed. PhilCare Customer Care Representative will process the reactivation of the plan.

Age Eligibility and Validity
ER Shield is for age 6 months to 64 years old and is valid for 1 year upon activation date. Benefits starts 7 days after activation date. The voucher is non-transferable once activated.
Outpatient Emergency Care:
ER Shield * gives you coverage up to Php 50,000 emergency room care expense, inclusive of doctors’ fees, laboratory and diagnostic procedures, and medicines (as medically necessary and excluding vaccines). In more than 500 accredited hospitals nationwide excluding six (6) major hospitals in Metro Manila (Makati Medical Center, St. Luke’s Medical Center (QC and Global), Asian Hospital and Medical Center, The Medical City, and Cardinal Santos Medical Center).
The Coverage is inclusive of the following benefits:
+Special modalities of treatment as medically necessary during ER and subject to P5,000 inner limit.
+Diagnostic and therapeutic procedures as medically necessary for emergency room care.
+Hospital emergency care for animal bites except vaccines.
Take Note: ER Shield cannot be activated along with the other vouchers such as ER Vantage, Health Vantage, Dengue Assist and ER Health Assist at the same time with the same person.
Emergency cases are the sudden, unexpected onset of illness or injury, which at the time of contract reasonably appeared as having the potential of causing immediate disability or death or requiring the immediate alleviation of severe pain and discomfort. Emergency cases include but are not limited to the following: (a) Massive Bleeding; (b) Acute Appendicitis; (c) Fractures/multiple injuries secondary to accidents; (d) Convulsions; (f) illnesses or conditions resulting in moderate or severe dehydration such as diarrhea or fever; and (h) Syncope. Pre-existing conditions and those conditions under the general exclusions of PhilCare are not covered.
Emergency and Hospitalization Availment:
+Simply present this voucher together with a valid identi
Other Additional Benefits:
P10,000 accidental death and disability coverage
Hospitalization Availment:
Member must present a copy of the COC together with valid identification at identified PhilCare- Hospital personnel will facilitate the approval of availment by reaching our contact center to verify membership eligibility and health coverage. The final medical diagnosis is the basis for PhilCare’s approval of coverage. Please note that the coverage of this health plan is based on the final medical diagnosis of a Dengue case. The initial presentation of symptoms may indicate Dengue for which a PhilCare In-Patient Letter of Authorization (LOA) may be issued. However, this may be invalidated and revoked if it is shown in the course of medical treatment that the case is not related to Dengue illness. If the final diagnosis is not Dengue, reactivation of benefits is allowed. PhilCare Customer Care Representative will process the reactivation of the plan.

Age Eligibility and Validity
Unli-Consult for Adults is for age 18 to 64 years old and is valid for 1 year upon activation date. Benefits starts 3 days after activation date. The voucher is non-transferable once activated.
Unli-Consult for Adults * this health voucher allows you to avail unlimited consultation services for one (1) year from PhilCare-accredited network of medical specialists, cardiologists, endocrinologists, nephrologists, pulmonologists, gastroentrologists nationwide and dentists nationwide. **
The Coverage is inclusive of the following benefits:
Dental Service:
+Annual dental examination/annual oral examination
+Unlimited orthodontic or aesthetic consultation
+Gum treatment for lesions, wounds, and burns, except alveolectomy and gingivectomy
+Relief and/or prescription for acute dental pain
+Diagnosis of oral disease, restorative and prosthodonctic treatment planning
+Dental nutrition and dietary counseling
+Dental health education through Chairside Instruction
+First aid treatment/emergency treatment
+Unlimited temporary fillings
Unli-Consult for Adults is for age 18 to 64 years old
+Re-cementation of loose crowns, inlays, onlays, and fixed bridges
+Simple repair and adjustment of denture
+Simple tooth extraction/unlimited simple extraction of an unsavable tooth
+Desensitization of hypersensitivity teeth
+Annual prophylaxis (light cses only)
Pre-existing conditions are covered. The only exceptions are maternity-related cases and cases related to all forms of behavioural disorders, developmental or psychiatric disorder and psychosomatic illness whether acquired or congenital
Consultation Availment:
+ For medical consultations, create a self-issued Letter of Authorization (LOA) and personalized membership card at Consultations page. Present LOA, personalized membership, card and 1 valid ID with picture to chosen medical specialist.
+ For dental consultations, download and print the personalized membership card at Consultation page and present this with one (1) valid ID of the cardholder on the day of availment.

Age Eligibility and Validity
Unli-Consult for 65+ is for age 65 years old and above and is valid for 1 year upon activation date. Benefit starts 3 days after activation date. The voucher is non-transferable once activated.
The Coverage is inclusive of the following benefits:
Dental Service:
+Annual Dental Examination and Consultation
+Unlimited orthodontic or aesthetic consultation
+Gum treatment for lesions, wounds, and burns, except alveolectomy and gingivectomy
+Relief and/or prescription for acute dental pain
+Diagnosis of oral disease, restorative and prosthodonctic treatment planning
+Dental nutrition and dietary counseling
+Dental health education through Chairside Instruction
+First aid treatment/emergency treatment
+Unlimited temporary fillings
+Re-cementation of loose crowns, inlays, onlays, and fixed bridges
+Simple repair and adjustment of denture
+Simple tooth extraction/unlimited simple extraction of an unsavable tooth
+Desensitization of hypersensitivity teeth
+Annual prophylaxis (light cses only)
Pre-existing conditions are covered. The only exceptions are maternity-related cases and cases related to all forms of behavioural disorders, developmental or psychiatric disorder and psychosomatic illness whether acquired or congenital.
Consultation Availment:
+ For medical consultations, create a self-issued Letter of Authorization (LOA) and personalized membership card at Consultations page. Present LOA, personalized membership, card and 1 valid ID with picture to chosen medical specialist.
+ For dental consultations, download and print the personalized membership card at Consultation page and present this with one (1) valid ID of the cardholder on the day of availment.