Rusella Insurance Services (RIS)

Welcome to Rusella Insurance Services

At Rusella Insurance Services (RIS), we know that urgency matters—especially when it comes to health, safety, and protection. That’s why we deliver timely, reliable, and personalized insurance solutions in the Philippines, from HMO and health insurance to life and non-life coverage.

With RIS, you’ll experience service that goes beyond insurance. From enrollment to claims, our expert team guides you every step of the way, ensuring your HMO plans, group life insurance, or personal accident insurance are handled with care, precision, and excellence.

Our promise is simple: personalized care, dependable protection, and exceptional value. Whether it’s affordable health insurance for employees, loan protection, car insurance, property coverage, or fire protection, we make sure your future is secure—without the high cost.

ABOUT US

I just want to thank you for always being available whenever we need assistance regarding our insurance claims and benefits.

I hope to remind you that the work you do is invaluable. Please continue to be kind and understanding to your clients. You are indeed an asset to your company.

-Xhantily

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I would like to sincerely recommend you maam Vicky for the prompt and efficient handling of my insurance processing. The quick turnaround time and clear communication made the entire experience smooth and reassuring. It's evident that you prioritize customer service and take immediate action to address concerns, which I truly appreciate.

-Anne

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Thank you so much Rusella Insurance Services! You're still the best at what you do. Keep it up.

-Robert

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Who is Rusella Insurance Services (RIS)?

Rusella Insurance Services (RIS) is a trusted insurance agency in the Philippines that provides free insurance consultancy through our network of provider partners. We specialize in HMO plans, health insurance, life and non-life insurance, group life insurance, personal accident coverage, property insurance, car insurance, loan protection, and fire protection.

Dedicated to delivering outstanding and affordable insurance benefits tailored to the specific needs of our clients, RIS goes beyond just policies. Our Customer Service Specialists are always ready to assist with enrollment, availment, inquiries, concerns, and claims—ensuring a smooth and reliable insurance experience from start to finish.

What is your HMO/Heath Insurance coverage?

A Health Maintenance Organization (HMO) in the Philippines is a type of health insurance plan that provides healthcare services and coverage at affordable premium rates. This is commonly offered by companies as part of employee benefits to help retain and protect their workforce.

At Rusella Insurance Services, our HMO and health insurance plans are flexible and tailored to your company’s needs and budget. From preventive care to hospitalization and coverage for pre-existing conditions, we make sure your employees receive the best healthcare support.

To learn more about our affordable HMO plans in the Philippines, please visit our Services page or set an appointment with our team today!

How much are your standard premium rates?

At Rusella Insurance Services (RIS), we don’t offer one-size-fits-all or fixed premium rates. Instead, we provide budget-tailored insurance plans in the Philippines, with customization and enhancements based on your specific needs and budget. Whether you’re looking for HMO plans, group life insurance, personal accident coverage, or non-life insurance, we design solutions that give you the best protection at the best value.

Do you cover pre-existing illness?

Yes, we cover pre-existing illnesses for group insurance and corporate HMO plans in the Philippines, including critical conditions such as cancer, tumors, and other dreaded diseases. At Rusella Insurance Services, we make sure your employees receive the right health insurance coverage when they need it most.

Do you also have non-life insurance products/coverage?

Yes, we do. Rusella Insurance Services offers a full range of non-life insurance in the Philippines, including car insurance, property insurance, fire protection, and business insurance coverage. You can explore our Service Page to learn more about the different non-life insurance products we provide to protect your assets.