• 3,000 firms
  • Independent
  • Trusted
Save up to 70% on staff

Home » Podcast » Accessing Affordable Benefits & Healthcare for Freelancers, Contractors & VAs

Accessing Affordable Benefits & Healthcare for Freelancers, Contractors & VAs



About Allcare

Cindy Burdette is the CEO and founder of Allcare.io. The company provides services mainly to individuals outside formal employment, particularly freelancers, virtual assistants, and gig workers. 

They aim to bridge the gap of having employment benefits outside a corporate setting. Their clients usually pay a membership fee to access all benefits when they need it most. Also, they hold programs, information drives, and advisories in helping a business establish itself.


Allcare-Cindy-Burdette-Outsource-Accelerator-podcast quote


The struggles of getting healthcare and employment benefits in the Philippines

Cindy recognizes the hurdles of getting healthcare and other benefits when they work on their own. Most insurance companies offer HMOs and other products on an employer-employee basis. However, informal workers, including outsourced individuals, are considered contract workers, which makes them ineligible for most of these packages.

Get 3 free quotes 2,300+ BPO SUPPLIERS

Small agencies, startups, and outsourcing clients with one employee, meanwhile, share the same dilemma. They are required to have a specific number of employees before applying for group insurances. 

Aside from that, another aspect Cindy cited was the lack of information dissemination in the compliances for informal employment. Most of their clients and even the government move around the following dilemmas:


The knowledge about getting registered as a professional and its advantages are mostly concentrated inside Metro Manila. 

Most small business owners, meanwhile, also experienced having employment benefits when they were employed. However, with a lack of entrepreneurial knowledge, they are not familiar with the legalities of acquiring and moving around them.

Government bureaucracy

According to Cindy, the government has no choice but to be bureaucratic with handling a “massive organization”. Though, freelancers in the Philippines are not connected in the same way without a governing body and representative that addresses their problems in senate hearings. 

Despite this, Cindy mentioned that the freelance movement is growing fast and is enhanced by the pandemic, proving that “you don’t have to be physically anywhere to be able to deliver great work.”

With this, the government, the private sector, and individuals need to work together to fill the gaps in the movement.

Get the complete toolkit, free
The struggles of getting healthcare and employment benefits in the Philippines
The struggles of getting healthcare and employment benefits in the Philippines

How Allcare came to fruition

Allcare started as a part of Storm, a larger startup that works with bigger companies in repurposing underutilized benefits into marketplace credits that their employees can use. While planning for growth, the company started to look into the gig economy since it is the future of work.

Upon conducting customer research they found out that “90% of the people we surveyed had no benefits, (while) the 2% had some form… which typically prepaid HMO.” They realized that Storm’s current business model won’t work with their target market, so they decided to create a new company that focuses on aggregating benefits. This is when Allcare was born.

Their first year (2018) was tough since their clients are unaware that they have to pay for their healthcare benefits, as they’re used to getting it for free. They had to spend time educating and informing their clients in getting these benefits at hand. Then in 2019, they decided to expand their services to startups and non-profit organizations. 

They’ve experienced growth since then and have increased their client base to 200 companies and around 8,000 to 10,000 members. The company also won SME of the Year from HCEO awards.

Delivering healthcare benefits during the pandemic

The pandemic made AllCare’s clients realize a few things:

  • As freelancers, they also need to be protected and insured.
  • Small and large businesses, meanwhile, should know how to take care of their contracted workers despite their employment status.

To further improve their service, they have sought partnerships from financial institutions to help their clients pay their benefits. Cindy recognized that freelancers won’t be able to afford a Php 15,000 yearly plan at once since they also have their bills and expenses to pay. 

They have also come up with options of getting benefits depending on their needs by separating non-essentials from core benefits. Lastly, they have partnered with a Singaporean firm to help them with setting up installment plans. This has been proven helpful, getting a lot of people to sign up for their services.

Healthcare benefits for outsourced teams

Cindy mentioned that outsourced individuals and teams have different options in getting healthcare benefits.

  • HMOs. the most usual form in the Philippines, large companies usually pay for their employees’ coverage. This usually includes regular checkups, dental services, mental health services, and emergency care.
  • Medical reimbursements. A more difficult and unpopular form, this requires liquidity from employees at the time of their need. They get to shoulder their medical expenses first then get their insurance company to reimburse them later.
  • Term life insurances. Lastly, in this form, employees are covered in case accidents and deaths happen while they’re employed in a company. 

Allcare’s members enjoy shared HMO benefits throughout their membership, free cakes every birthday, and discounts on special engagements. Allcare membership starts at around $140 per year for core benefits and around $300 per year for full access to their offerings.

Those who want to contact Cindy may check out their website: allcare.ph or send an email to [email protected].




Email: [email protected]

Outsource Accelerator


Listen to more podcast episodes here:

  1. Deciphering Philippine Payroll & Staff Payments with Judah Hirsch of Salarium
  2. From Call Center Agent to Building a Business of 400 Employees – Virtual Workforce Pro
  3. A CREATE tax law deep dive with Atty Kristine and what it means for BPOs and business

Get Inside Outsourcing

An insider's view on why remote and offshore staffing is radically changing the future of work.

Order now

Start your
journey today

  • Independent
  • Secure
  • Transparent

About OA

Outsource Accelerator is the trusted source of independent information, advisory and expert implementation of Business Process Outsourcing (BPO).

The #1 outsourcing authority

Outsource Accelerator offers the world’s leading aggregator marketplace for outsourcing. It specifically provides the conduit between world-leading outsourcing suppliers and the businesses – clients – across the globe.

The Outsource Accelerator website has over 5,000 articles, 450+ podcast episodes, and a comprehensive directory with 3,900+ BPO companies… all designed to make it easier for clients to learn about – and engage with – outsourcing.

About Derek Gallimore

Derek Gallimore has been in business for 20 years, outsourcing for over eight years, and has been living in Manila (the heart of global outsourcing) since 2014. Derek is the founder and CEO of Outsource Accelerator, and is regarded as a leading expert on all things outsourcing.

“Excellent service for outsourcing advice and expertise for my business.”

Learn more
Banner Image
Get 3 Free Quotes Verified Outsourcing Suppliers
3,000 firms.Just 2 minutes to complete.
Learn more

Connect with over 3,000 outsourcing services providers.

Banner Image

Transform your business with skilled offshore talent.

  • 3,000 firms
  • Simple
  • Transparent
Banner Image