After becoming a member of IMG, I learned about the importance of having a Solid Financial Foundation and the best investment that could help me achieve it was Kaiser Long-term Health Care
What I love about Kaiser is the fact that it has healthcare, life-insurance and investment in long-term. It solves three areas of my financial foundation.
Kaiser International Health Group Inc. is registered as a health care provider.
Kaiser 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.
ALARMING HEALTH REALITIES...
- In 20 years, the elderly will outnumber the youth by a ratio 4:1
- Aging workforce is the biggest economic challenge over the next decades
- Heart disease is the number one cause of mortality in the Philippines
- Medical inflation hits nosebleed levels, 3-4 times economic inflation
- Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
- Health conditions in the Philippines remain among the poorest in East Asia
- More and more people die not because of no doctor or no medicine but because of no money
SHORT-TERM VS. LONG-TERM HEALTHCARE
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:
|
| 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 |
| Reinstatement is limited only within 30 days of lapsed policy | Reinstatement 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... |
MORE ABOUT KAISER LONG-TERM HEALTHCARE
It is a 3-in-1 financial product that answers our 3 MAJOR FINANCIAL NEEDS and could help us build a SOLID FINANCIAL FOUNDATION.
- Healthcare Protection (Both Short-term and Long-term)
- Life Insurance Protection
- Savings and Long-term Investment
HEALTHCARE
Kaiser Ultimate Heath Builder Plan, provides you the benefit of a short-term healthcare in case of emergency and long-term healthcare after maturity for your retirement years.
LIFE INSURANCE
- Term-life insurance for 20 years
- Accidental death and dismemberment for 20 years
- Waiver of installment due to death during the accumulation period
- Waiver of installment due to permanent and total disability during the accumulation period
LONG-TERM INVESTMENT
All unused healthcare funds will be carried over every year and will earn interest. If you did not use the healthcare plan during the accumulation period, you will receive an incentive amounting to 85% of the contract price.
Upon maturity, you have the option to withdraw the total unused healthcare funds or retain the funds with Kaiser for it to earn interest higher than what banks can give.
Watch our financial coaching video and learn the following:
- What are the Major Financial Needs of every Filipino Family.
- How Kaiser Long-term care works
- Why Kaiser is the complete solution for your family
Kaiser Ultimate Healthcare Builder Plan is a 20 year-term plan wherein the paying period is for 7 years and 13 years of waiting period until it matures.
Visit our Head Office
ONLINE APPLICATION
You can fill up the application forms online and also make payments online.