Alarming Health Realities...

Short Term Healthcare
TRADITIONAL HMO
Long Term Healthcare
HEALTH SAVINGS ACCOUNT
Renewal not guaranteed if with high claims Renewal is guaranteed
Yearly increase of premium Fixed premiums for 7 years
Generally, no insurance coverage some provide insurance, but very low coverage With Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:
  • Term Life
  • Accidental Death and Dismemberment
  • Waiver of Installment due to death
  • Waiver of Installment due to Permanent and Total Disability
No accumulation of unused health fund All unused health fund accumulates with interest
No return of premiums (ROP) for non-utilization With returns of premiums up to the contract price for non-utilization during the paying period
Covers only up to age 60 Covers beyond age 60 with long term care yields *
Pre-existing illness is not covered during the 1st year and lifetime / permanent exclusions may be issued on the 2nd year onwards Pre-existing is not covered during accumulation period. No exclusions after the 7th year of coverage *
Inflexible, non-transferable benefit design Flexible, transferable, and may be redated benefit design
Reinstallment is limited only within 30 days of lapsed policy Reinstallment within 2 years of lapsed policy
Access to non-accredited physicians and medical network is not covered Access to non-accredited physicians and medical network is covered after the 7th year
Out-patient medicines and cosmetic treatments not covered Out-patient medicines and all illness including cosmetic and maternity are covered after the 7th year *
Continuous yearly payment terms Seven (7) years or spot-cash payment options
Anxious, worrisome and insecure healthcare status after employment or during retirement years No worries...

Kaiser International Health Group Inc.


We are duly accredited with the Department of Health (DOH). Our Company is likewise, registered with the Securities and Exchange Commission (SEC) on June 08, 2004 as a Health Care Provider with an Authorized Capital Stock of Php 160M.

Kaiser International Health Group Inc. is far more than an HMO. While most HMOs cater to both group and individual accounts, Kaiser's product is geared to address the long-term health care needs of individuals especially after their employment and retirement years.

SINO ANG MGA ELIGIBLE KUMUHA NG

KAISER 3-IN-1?



  • 10 years old to 60 years old only.
  • Lahat ng Pilipino, even OFWs.
  • Even the minimum wage earner, dahil affordable ito.
  • Puwede rin sa mga high risk jobs like Police, Firefighters, etc.
  • At Kahit pa may mga existing illness na, siguraduhin lang na i-declare ito sa kaiser application form. This is subject for approval. (case to case basis)



LONG-TERM HEALTHCARE

Ang mga traditional HMO (Health Maintenance Organization) ay short-term lang. Magbabayad ka ng annual premium for a certain healthcare coverage. Magamit mo ito or hindi ay babayaran mo pa rin every year kung gusto mong ipagpatuloy ang healthcare coverage.

Sa Kaiser, puwedeng maging short-term at long-term. Kung nag-avail ka nito at biglang nagkasakit magagamit mo ang healthcare benefits. Paano naman kung hindi magamit? Okay lang! Dahil si Kaiser ay long-term healthcare din kung saan ang hinuhulog mo ay hindi masasayang at magagamit mo pa rin in future needs.

LIFE INSURANCE

Sa traditional HMO (Health Maintenance Organization) kapag sinabing healthcare ay Pure Healthcare lang.

Sa Kaiser, hindi lang siya basta healthcare. May Life Insurance coverage din na kung saan ay protected ang pamilya.

Halimbawang may mangyari sa policy holder ay makakatanggap ang beneficiaries nito ng instant money mula sa Insurance Company.

Bukod pa doon ay may Waiver of Installment due to Death, Waiver of Installment due to Total and Permanent Disability at Transfer of Kaiser Policy to the Principal Beneficiary.

SAVINGS & INVESTMENTS

Bukod sa healthcare at life protection, ang kaiser ay may investment din.

Kung healthy ka at hindi mo nagagamit ang healthcare coverage bibigyan ka pa ng BONUS ni kaiser sa Maturity ng iyong 3-in-1 Saving Plan.

Makukuha mo ang lump sum sa 20th year ng iyong plan. May option ka rin na i-retain lang ito upang lumago pa ang pera mo.

Imagine? Nag-save ka lang sa loob ng 7 years may makukuha kang malaking halaga sa Maturity Period ng Saving Plan mo. Para ka ring may pension na pwede mong kuhanin buwan-buwan dahil good as cash itong investment mo.

Short-term Healthcare

Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).

Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.

Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.

Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?

Senior Care

Ito naman ang yearly healthcare for Seniors age 60 pataas.

Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare. 

Long-term Healthcare

Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old).

Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.



Watch our financial coaching video and learn the following:

  1. What are the Major Financial Needs of every Filipino Family.
  2. How Kaiser Long-term care works
  3. Why Kaiser is the complete solution for your family

BAKIT NGA BA MAGANDANG KUMUHA NG KAISER 3-IN-1?





Bakit nga ba maganda magkaroon ng Kaiser 3-in-1 Investment Product ang bawat miyembro ng Pamilya lalo na yung mga bread winner?

1.


✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

2.


✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.

3.


✔Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 3% - 10% rate of returns depende sa performance ng stock market.

✔Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.

4.


✔Covered ka kahit beyond 60 years old ka na, as long as you live at may fund ang iyong acçount!

✔Maari kang magkaroon nito sa halagang P88.23 a day mas mahal pa ang 1pc chic N' joy na may drinks & fries bes?

The Three (3) Important Phases of a Kaiser Plan



FIRST PHASE: ACCUMULATION PERIOD OR THE PAYING PERIOD (FIRST 7 YEARS)

For the first 7 years you will be paying for the plan.
During this time, it works like a typical HMO wherein you have an annual benefit usable for hospitalization expenses. These are also a couple of benefits, like:

1. Benefit of free Annual Physical Examination after one year of payment.

  • Physical Examination, Chest X-Ray, Routine Fecalysis, Routine Urinalysis, Complete Blood Count
  • ECG for Members above 35 and Pap Smear for Female Members above 35 years old or as required.

2. Benefit of free Dental Check-up and the following;

  • Unlimited Dental Check Ups
  • Unlimited Simple tooth extraction
  • Once A year Free Dental Prophylaxis
  • Recementation of jacket, crowns, inlays, on lays and
  • Minor adjustment of Dentures

3. Term life Insurance (up to age 75) with accidental death and dismemberment riders.
4. In-Patient benefits in accredited hospitals except for pre-existing conditions and dreaded diseases, up to plan annual benefit limit.
5. Waiver of installment/ Premium due to death/ total and permanent disability. 



SECOND PHASE: EXTENDED PERIOD OR THE GROWTH PERIOD (NEXT 13 YEARS)

During this phase, you have completed all the payments and all you have to do is wait and let the plan reach its 20th year (maturity) at this point your will have a starting cash value that you can also use for your medical expenses. The money is invested in government and corporate bonds, which are expected to yield 3% - 10% compound per year.

Comparison to other providers: during this period, the Kaiser plan is still there for your short-term healthcare needs. The money is still growing at this stage and it is at this period when the Kaiser plan starts to step-up and be more competitive with the other healthcare providers.

• Term life Insurance (up to age 75) with accidental death and dismemberment riders.

• Accumulation of unused Health Benefits at 3%-10%

• In-Patient and Out-Patient Hospitalization Benefits subject to remaining member accumulated fund.

• Accumulation of unused Health Bonus at 3-10%



THIRD PHASE: THE MATURITY YEAR/ LONG-TERM CARE PERIOD (20TH YEAR ONWARDS)

At the plan’s maturity at 20th year, several bonuses will be awarded like the Long-term care benefit and bonus, plus about 85% of the premiums will be returned to you if you didn’t use the plan during the earlier stages, here, the cash value of your investment would also be good as cash- meaning you can use it for anything not just hospitalization and medical expenses.

Comparison to other providers: at this Period, Kaiser stands out because most healthcare providers are already too expensive by the time you reach your 40s or even 60s. On the other hand, your money with Kaiser has already accumulated and depending on the plan you chose, your Total Health Benefits would be upwards of P500,000 all the way to several millions.

MAY KAISER LONG-TERM HEALTHCARE KA NA BA?

Do you love yourself and your Family? Kaiser Does!

Protect your future if you live too long and protect your family in case you die too soon. Kaiser can answer our 3 major financial needs.

Please provide your details below if you are ready to discuss.

Your details will be kept privately.

HOW TO START YOUR KAISER SAVINGS PLAN?

OPTION # 1

Pwede ka mag-enroll ng Kaiser Saving Plan mo through Online Kaiser Application.

Click the link below for instructions.