KAISER ULTIMATE HEALTH BUILDER

 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. Kaiser is duly accredited with the Department of Health (DOH). Kaiser 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's Board of Directors are seasoned experts in the Medical field services and in the health care industry with its President and Medical Director Dr.  LEAH UY- YOLO, a seasoned H.M.O. executive and prominent doctor. Outstanding Thomasian(Medicine) 2019 given by the University of Sto. Tomas. 

REASONS TO START WITH KAISER LONG TERM HEALTHCARE

3-IN-1 PRODUCT Healthcare coverage (short-term & long-term), investment and insurance.

• LONG-TERM COVERAGE Guarantees long-term care even after the age of sixty (60). 

• HEALTH SAVINGS ACCOUNT Annual lifetime healthcare benefits from years 8 to 20 accumulate with interest in a "Health Savings Account". This "Health Savings Account" earn interest beyond 20 years. 

• 4-WAY INSURANCE COVERAGE Term Life Accidental death and dismemberment Waiver of installment due to death Waiver of installment due to permanent and total disability 

• FIXED RATE & PAYMENT FLEXIBILITY Payable in 7 years with fixed rates for the entire paying period. Flexible mode of payments that can be upgraded within 30 days and reinstatement can be done within 2 years in case the policy lapsed. 

• RETURN OF PAYMENT An accumulative, self-earning investment that comes with Return of Payment (85%) for non utilization in the first seven (7) years of coverage. 

FEATURES & BENEFITS

Kaiser is a seven (7) year paying and (13) year waiting plan, designed to provide healthcare beyond that of an HMO. It allows individuals to save during employment while still being covered by their Company’s health plan. It is geared to address the long term health care needs of individuals especially after employment and retirement years that can help them in securing a more comfortable elderly life. Kaiser International Healthgroup, Inc. is an actuarially-sound, product-based business. It brings together the best features of an HMO, Health Savings Plan, and a financial investment. 

HOW KAISER WORKS?

ACCUMULATION PERIOD (Year 1 to Year 7) 

This is called the Accumulation Period because it's the only time you will be paying for the policy. You will only need to pay for a Kaiser plan for seven (7) years. You can also choose to pay monthly, quarterly, semi-annually, annually or even spot-cash. During this period, you will have the following benefits: 

• FREE Annual Physical Exam (APE)

•  FREE Dental benefits 

• Waiver of installment upon death or disability Basic Medical benefits (similar to having an HMO health insurance)

•  Member’s choice of room and board (depends on the plan)

•  Annual Benefit Limit (at least P50,000 per year, depends on the plan) 

• Term Life Insurance (amount benefit depends on the plan) 

•  Accidental Death and Dismemberment benefits 

•  Lifetime network access to over 500 hospitals and 1,000 doctors (as long as you have funds) 

EXTENDED PERIOD (Year 8 to Year 20)

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 7-10% 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 7-10%. 

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

• Accumulation of unused Health Bonus at 3-13%. 

MATURITY / LONG-TERM CARE PERIOD (Year 21 onwards)

Upon maturity, you will receive the following:

•  Total amount of accumulated unused health benefits. 

• Long-term care benefit depending on the plan you got. 

• Long-term care bonus, which can be up to 85% of the total payment made, if you did not have a confinement claim during the first 7 years. 

• Additional health benefits from the investment part of you policy. 

The above benefits are already good as cash where you have an option of full withdrawal, partial withdrawal or leave the whole maturity amount in your policy where it will continue to earn and grow through investment 

HOW MUCH DOES IT  COST?

Premium or payment will depend on the plan that you choose. Please refer to the Pre-Computed Table below for some of the available plans to choose from or click the button below to create your own proposal.