As the COVID-19 pandemic continues to take its toll on the economy, the effect can be felt the hardest by the segment which comprises of 99.5% of the total businesses in the country – the micro, small and medium enterprises (MSMEs). During these times, securing the overall well-being of their workforce has become increasingly important for these smaller companies.  

This is the reason why Sun Life Grepa Financial, Inc. (Sun Life Grepa), a major life insurance company in the Philippines, developed Smart Care Plus a packaged group life and health insurance plan especially designed for MSMEs with five to 200 employees to help them ensure that their people are prepared for contingencies such as sickness, accidents or disability.

“With Smart Care Plus, we hope to make it easier for employers to provide affordable insurance and protection for their employees and support them and their families especially now that the outlook of the COVID-19 pandemic is still unknown,” says Peter Miranda, Vice President for Sun Life Grepa Healthcare.  

He added, “The financial security of an employee does not solely rely on monetary compensation in his payroll slip. It is enhanced when supported by meaningful employee programs that include preparation and protection against life’s uncertainties.” 

Sun Life Grepa’s Smart Care Plus offers a robust protection plan complete with benefits such as Group Yearly Renewable Term Life which pays a lumpsum amount in case of an employee’s death due to any cause including those arising from COVID-19, as well as Total and Permanent Disability Income Benefit and Terminal Illness Benefit. Likewise, it provides Accidental Death, Dismemberment and Disablement Benefit with Medical Reimbursement Benefit.  

Other package options include health benefits such as Critical Illness Benefit, which provides guaranteed cash benefit in case an employee is diagnosed with covered critical illnesses like heart attack, stroke or cancer, and the Group Hospital Cash Benefit, which helps replace the income of their employees in case of hospital confinement due to illness and accident. 

Smart Care Plus has readily available premium rates that are designed to fit the budget of MSMEs and doesn’t require medical examination for its covered employees. 

Make the smart move today with Smart Care Plus. Be Hyped to Ignite Productivity (Be HIP) and get Sun Life Grepa as your Health Insurance Partner (Get HIP) today. For inquiries about Smart Care Plus, contact your Sun Life Grepa advisor, visit any Sun Life Grepa branch or email You may also visit the official Sun Life Grepa Healthcare Facebook page at